BMR
Chapter 17
-Financial and Stress Management-

This chapter covers financial and stress management as well as the family advocacy program.

• There are three types of pay:
1. Basic pay
2. Incentive pay
3. Special pay

Incentive pay is for certain types of duty such as hazardous duty pay.
Special Pay is for special circumstances such as reenlistment (SRB) foreign duty, sea duty, diving duty.

• Allowances is money that is reimbursed to you for expenses necessary for you to perform your job (they are not taxable income) ie, clothing, quarters, food. You are entitled to a clothing allowance after 6 months initial service.

• Special Liberty is granted as 3 day or 4 day periods. 4 day liberty is granted by the CO.

• Convalescent Leave is an authorized absence given for care or treatment. It is not a charge to you.

• Voluntary Allotments Savings, U.S. savings bonds, loan payments, life insurance payments, mortgage payments, pledges to the Combined Federal Campaign Fund, payment to family members.

• SGLI has a maximum of $200,000 and continues for 120 days after separation from active duty.

• You are responsible for reporting any errors in your pay.

• Leave-You earn 30 days a year for leave; 2.5 days each month (active duty)

You and your Family

• The department of the Navy (DoN) has a Family Advocacy Program (FAP) that addresses child and spoce abuse. It involves the prevention, evaluation, identification, intervention, rehabilitation/behavioral education and counseling, follow up, and reporting of spouse and child abuse.

• Each command has a FAP. The CO at each command appoints a family advocacy officer (FAO)

Stess Management

• Stress is the body’s natural reaction to tension, pressure and change. Stress occurs when there is an imbalance between the demands of our lives and the resources we have to deal with those demands.

• The following are some ways you can use to cope with stress:
Acceptance- do not worry about things that we have no control over.
Attitude: Be positive
Perspective: Too often we worry or become stressed about things that never happen. Keep things in perspective.

• There are healthy ways to combat stress: Regular exercise, proper diet, meditation, laughter, and relaxation techniques.

• Review BMR Chapter 17 14325

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