Omaha insurance agent and philanthropist suggests the following to ensure financial health for the coming year and beyond:

• Develop a budget and stick to it. Start by making two columns, one for expenses and one for income, and add them together. Whether you earn as much as you spend or not, see where you can cut corners, like on luxury items, pay down debt, and build savings.

• Add line items to your budget, like taxes, savings, college funds, and vacations

• Add financial goals to your daily calendar, like paying off student loans by a certain time. Consider paying off larger balances first and try to transfer outstanding balances to accounts with lower interest rates

• Constantly view bank and credit card records to make sure transactions are accurate and see where you can cut back on spending

• Pay credit card bills in full, cut up cards you don’t need, and try to use cash whenever possible

• Take advantage of programs through work, like discounts on phones, computers, and fitness memberships.

• When shopping, buy in bulk, clip coupons, look for sales, compare prices, buy generic or store brand products, and stick to the shopping list.

• At home, use a programmable thermostat, test the air system for holes that need repair, and get rid of the home phone and combine your cell phone plan into a family plan

• Take care of your car’s engine and tires to save on gasoline and repairs

• See if there are any extra expenses you can eliminate, like ditching the cable and switching to Netflix or Hulu for a small monthly fee. Some subscriptions like Amazon Prime already come with TV and video included.

Some of these tips may seem like big changes, however once you start making these changes and see the results, they will become daily/monthly habits. practicing the

Through hard work, dedication, and both passionate and professional attention to client needs, Manley and his small team at his Farmers Insurance agency in Omaha, Nebraska, have built the agency into the largest Farmers Insurance agency. of the state. Her agency is also the second largest in the entire Farmers Insurance region.

Manley’s service to the community includes support for the Siena/Francis House, Restoration Exchange, Homeward Bound Animal Rescue, the Ronald McDonald House and the Stephen Center.

Give him a call at (402) 391-1656 and he’ll be happy to answer any questions you may have.