I'm switching from Florida Blue to Liberty HealthShare. I'll be paying $379/month ($299/month for the Liberty Complete plan and $80/month for HealthTrac, which is basically a "fat" premium until I lose some weight). This is an alternative to health insurance that costs less but provides better coverage.
As mentioned a few times this year, I'm switching from managing my money in Quicken to using spreadsheets. This has been a major undertaking, and I'm sure there will be some hiccups. To minimize problems, I'll be keeping a little extra money in my checking accounts as a buffer. It sounds like a small thing, but what I am looking forward to most is ditching the Quicken-only PC I have to be able to manage my money all from one device, and be able to review my finances remotely.
Since 2018 was a very expensive year, my plan for 2019 is to be in accumulation mode. I've had to dip into savings a few times to manage our rental property portfolio. It started back in January with two turnovers, one which required major repairs. Then we converted our old house to an AirBnB. Between outfitting that property and furnishing our new home, we've spent a lot. In 2019 I plan to make monthly deposits back into my savings
Becoming More Focused
I've seen first-hand the benefits of not getting lost in the weeds. Can you believe for four years we didn't pay for garbage pickup? Just to save $20/month, I had to deal with the inconvenience of disposing of our trash. For $20! I used to buy Groupons for restaurants that were 20-30 minutes away. To save $10. That's not saving!
As cash flow returns (in 2018 I spent a ton of money rehabbing rental properties and moving to a new home), I will be more nimble and better able to choose the best use of my time. This means turning down work that doesn't pay well - think small meeting jobs, mystery shops, and Uber driving (though I've practically stopped that already).
Frugality is a wonderful virtue - as long as it is exercised intelligently. In 2019, I will continue to find ways to make our lives better, and to find time. I can make more money, but I can't replace wasted time.
Taking Control of My Health
My new health plan costs an extra $80 because I am overweight. My feet hurt all the time. My clothes don't fit. All these warning signs - what am I waiting for? I say this every year, but I really want to make 2019 the year that I become healthier.