Doing most of the work yourself, with a rental truck and free supplies, is usually cheapest. Many people save money by packing themselves and hiring movers only for heavy items.

Midweek, mid month, and outside the summer peak season typically cost less. Weekends at the end of the month in summer are usually the most expensive.

It's a military move where you move some or all of your own belongings and are reimbursed by the government. Depending on your costs, you may come out ahead. Your transportation office can explain the details.

Under current federal law, the moving expense deduction is generally limited to active duty members of the Armed Forces moving because of a permanent change of station. Check with a tax professional.

Common ones include the Dislocation Allowance, which helps with general relocation costs, and Temporary Lodging Expense, which can help cover lodging while you're moving within the U.S.

Work with your agent and lender to set a realistic closing date, then schedule movers for a day or two after you expect to get keys. Build in a small buffer in case closing shifts.