I have a lot of work to do in the next month to plan for 2019. I thought I'd make myself a list here, so I don't forget anything. Maybe it will help you think of things you need to look at in your budget planning.

Figure out new paycheck amount (I use Paycheckcity.com)

Consider new Roth IRA contribution amounts in budget planning. My husband turns 50 this year, so he qualifies for the catch up limit.

Consider costs we can cut or reduce, specifically auto and renters insurance.

Calculate new sinking fund amounts based on goals. This includes car maintenance, out of pocket tuition expenses, insurance and costs for airline tickets in 2019.

Calculate paycheck withholding based on our expected 2019 tax situation.

Research better interest rates for our cash reserves. We have one CD maturing in March 2019.

Calculate the extra we can continue to send to our Big Goal fund.

Financial planning is a puzzle sometimes! This does stress me out a bit, but I do it every year and the stress and time spent is worth it!