The start of a new year is a natural moment to pause, reset, and think about what comes next. For many families in York County, that reflection includes questions about finances. How do we get back on track after the holidays? How can we be more prepared this year? What would greater financial stability actually look like for our household?
United Way of York County encourages residents to use this season as an opportunity to build practical financial skills, take advantage of free tax assistance, and set realistic goals that support long-term stability.
Turning New Year Intentions Into Real Progress
Financial goals often feel overwhelming, especially for working families facing rising costs and limited savings. Financial literacy helps turn good intentions into manageable steps by increasing knowledge of effective financial practices and providing guidance that meets people where they are.
Through United Way of York County’s Financial Stability Network, individuals and families gain tools to:
- Create and maintain a household budget
- Pay down debt and improve credit
- Build savings and establish banking relationships
- Set achievable short- and long-term financial goals
These programs primarily serve ALICE households–working families who earn above the federal poverty level but still struggle to afford the basic cost of living in York County. Despite being employed, many face ongoing financial strain especially as the cost of basics often outpaces what ALICE earns.
What Progress Can Look Like
Financial stability is about steady progress and support along the way.
This past summer, a single mother of three joined United Way of York County’s Financial Stability Network with a clear goal: to strengthen her money management skills and explore returning to school to increase her earning potential. With coaching, education, and her own commitment, she began taking small but meaningful steps.
Today, she is consistently paying her bills on time, building savings, and is enrolled in a post-secondary degree program. One milestone stood out in particular. For the first time, she was able to prepare for the Christmas season without taking on additional debt, bringing both relief and confidence. Along the way, she has reduced financial stress and begun prioritizing self-care as she continues her journey toward long-term financial stability.
Stories like this reflect what is possible when people have access to the right tools, encouragement, and support.
Start the Year Strong With Financial Literacy Support
United Way of York County offers financial literacy courses, budgeting support, and personal financial coaching designed for real-life situations. Participants work alongside trained financial social workers to identify priorities, build confidence, and develop habits that support financial stability throughout the year.
Success is measured not just by enrollment, but by action. Participants in United Way’s financial literacy programs have taken meaningful steps such as creating budgets, opening or maintaining checking and savings accounts, and demonstrating increased financial knowledge and positive financial behaviors.
These early steps can make a significant difference over time, helping families move from reacting to financial challenges to planning ahead.
Tax Season as a Financial Reset
Tax season is one of the most important financial moments of the year and a powerful opportunity to start fresh.
From January through April, United Way of York County partners with Volunteer Income Tax Assistance (VITA), which provides free state and federal tax preparation. Trained volunteers help eligible households file accurately and claim valuable credits, including the Earned Income Tax Credit and Child Tax Credits.
For those who prefer to file on their own, United Way of York County offers MyFreeTaxes, providing free, guided self-preparation for households earning $89,000 or less. The platform supports common tax situations such as W-2 income, self-employment income, student expenses, unemployment income, and more, removing cost and complexity as barriers to filing.
Filing taxes accurately and on time can help families reclaim money they have earned and use refunds intentionally, whether that means paying down debt, catching up on bills, or saving for emergencies.
Building Momentum That Lasts All Year
Financial literacy is not about perfection. It is about progress, confidence, and having access to the right support at the right time. When individuals understand how to manage their money and where to turn for help, they are better equipped to handle unexpected expenses and plan for the future.
As the year begins, United Way of York County invites residents to take advantage of free financial literacy resources and tax assistance available in our community. Small steps taken early in the year can create momentum that lasts well beyond tax season.
To learn more about financial literacy programs, free tax preparation, or how to get connected to resources, visit the United Way of York County website or call United Way 2-1-1 or 866-892-9211.
