If you want to simplify your personal finances make sure your covered. What I mean is you want to make sure you have the appropriate amount of insurance coverage. You do not want to be left standing naked when a medical, natural disaster, or other financial situation occurs which can place a significant financial burden on you.
Many times we look to save money and do not properly insurance ourselves because we say hey its not going to happen to me. But you never know its always better to be prepared for the situation than unprepared. Think of it this way can you afford to rebuild your home if it was significantly damaged without having adequate insurance coverage? Probably not. So why put your financial future at risk to save a few extra bucks each month.
Warning: If you do not pay off your credit cards off at the end of the month. Do not attempt this it could be hazardous to your financial health. 
