Did you make any financial resolutions for 2017? You will be more successful if you write them down. Here are a few that I suggest for members of the Foreign Service:

  1. Increase your TSP contributions to the maximum allowed, if possible.
  2. Consolidate your bank accounts. Many FS folks have multiple checking and savings accounts. Life is a lot simpler with fewer accounts to track. And there is less chance for identity theft.
  3. Create a budget to get an idea of your cash flow. It doesn’t need to be elaborate, just enough to answer that nagging question about where all your money is going.