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Revamp Your Broken Financial New Year Resolution

By: Jordan Sowhangar, Certified Financial Planner, VP and Wealth Advisor at Girard, a Univest Wealth Management Division February 13, 2018

It’s no secret that many well-intended New Year’s resolutions fail after a few weeks of diligence. People often resolve to improve their finances at the start of the New Year and set lofty goals. However, it can be hard to stay inspired to stick with your changes when significant progress isn’t made. While not seeing an instant benefit as you tackle long-term goals is common, research shows that having an immediate reward can actually help to reach those goals.

If you’ve already broken your financial New Year’s resolution, you can get back on track. There’s still plenty of time…

Don’t Let a Holiday Debt Hangover Linger for Months

By: Nerd Wallet January 16, 2018

Guest Blogger: Cait Klein, NerdWalletSmall-arrow-for-disclosure

If you got carried away this year with the holiday spending, you likely are in the throes of a financial hangover. This nasty ailment can cause headaches and last for months, if not longer. But there is a cure. Here are five steps to get over it:

1.  Take a look in the mirror: The first step is facing the facts—you can’t simply look the other way when it comes to holiday debt

Build a $1,000 Emergency Fund

By: America Saves October 15, 2017

Guest Blogger: Katie Bryan, America SavesSmall-arrow-for-disclosure

Do you have $1,000 set aside for emergencies? If you already do, you could probably use another $1,000 in that account. Experts recommend keeping at least three months expenses in a reliable, liquid account – but even an extra $1,000 can be a life-saver. However, finding $1,000 to save isn’t always easy. That’s why we’ve put together this 4-step plan on how to save $1,000 in 10 months.

Find a Safe Place to Save Your Money – You will…

Helping Your Kids Budget

By: Nerd Wallet July 2, 2017

Guest Blogger: Roberta Pescow, NerdWallet Small-arrow-for-disclosure

Summertime provides a nice break for children as they enjoy time off from school just being kids. However, all that free time focused on fun can lead to impulse spending if the youngsters haven’t been taught good money sense.  Here are a few ways to give your future heirs some budgeting chops this summer:

Allowances

Young children can truly benefit from a weekly allowance and the power to make their own financial decisions. Sit down with your child and encourage them to identify ways to earn…

Start Saving NOW for Your Summer Vacation

By: Nerd Wallet March 10, 2017

Guest Blogger: Cait Klein, NerdWalletSmall-arrow-for-disclosure

It’s always summer somewhere in the world, so don’t wait to start putting aside cash to finance your next warm-weather trip. Here are five ways to ensure your finances are healthy enough to handle a vacation.

Budget. Planning the perfect vacation is fun, but thinking about the financial side of things can be a drag, especially if you haven’t saved enough. Whether you’re venturing overseas or just enjoying a simpler “staycation” adventure, a budget is necessary to stay on the path to a specific goal. Online…

‘Tis the Season for Tax Fraud

By: Randy Long, IT Security Officer, Univest Corporation March 2, 2017

Fraudulent tax returns were estimated to cost the IRS $5.2 billion in 2014, according to an audit by the Government Accountability Office.  So far this year, Intuit, the company that makes Turbo Tax, and some states have seen an increase in suspicious filings and attempts by criminals to use stolen tax information to file fraudulent state tax returns and claim tax refunds.  The risk is real.

Tax-related identity theft occurs when someone uses your stolen Social Security number (SSN) to file a tax return claiming a fraudulent refund.  Generally, an identity thief will use your SSN to file a false…

Prepped For Tax Time?

By: Chris Briscoe, Vice President and Wealth Advisor, CFP®, Girard, a Univest Wealth Division February 17, 2017

The annual, looming deadline to file your taxes is two months away. April 15 falls on a Saturday this year so the deadline to file has been pushed to April 18, but the prep should start now to prevent stress later. You’ve likely received your tax information in the mail, so it is key to organize all of these documents to properly file your returns.

The first part of the year is a great time to get fiscally organized, and, if you prepare now, filing your taxes can be less of a burden. Here is a quick list of things…

Tips for a Financially Fit 2017

By: Chris McCarthy, SVP and Area Manager, Univest Bank and Trust Co. December 9, 2016

December is upon us and the days are getting shorter, temperatures are getting colder and the busy holiday shopping season is in full swing. This time of year, many people shift their focus to looking for the best deals on gifts, however, it is also the time to begin reviewing your financial health so you can plan for a financially healthy 2017. Here are a few tips to consider:

Determine Savings Goals – Make sure that you are setting attainable savings goals and that you have a budget and plan in place to achieve those goals. Maybe you are saving…

Back To School Financial Tips

By: Chris McCarthy, SVP and Area Manager, Univest Bank and Trust Co. August 24, 2016

As fall approaches, the days begin to get shorter, the nights get cooler and parental priorities shift towards the upcoming school year. Whether you have a child heading off to college or just starting elementary school, financial literacy is a very important part of the education process. Below are some financial tips for students of all ages.

Tips for the college student

  • Effective Budgeting – Sit down and plan out what weekly/monthly bills your student will have. This will ensure that they know how much disposable income they have for “fun” purchases each week.
  • Plan Purchases – Build larger item…

Use Your Smartphone For a Financial Advantage

By: Chris Briscoe, Vice President and Wealth Advisor, CFP®, Girard, a Univest Wealth Division August 3, 2016

The Information Age has altered the landscape of our financial world bringing with it the boundless expansion of mobile device capabilities which are readily available at our fingertips. As smartphone technology becomes an even bigger part of our day-to-day lives, it is important to know how to take advantage of the financial abilities these tools grants us.

Whether it’s tracking your spending to operate within a realistic budget or scouring for sales promotions and coupons, classic saving tactics are made easier when properly utilizing your smartphone. With sound savings habits in place, you may have additional funds available to invest…

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