What the payroll tax increase means to you

Now that the government has repealed the payroll tax cuts U.S. take home pay is cut by two percent. In addition, the IRS has restricted the federal income tax tables so middle-income folks may be subject to additional federal tax increases.


To reduce the strain on your income you may need to adjust your spending habits. Learn how to reduce your everyday spending with a minimal impact on your lifestyle.

Where is your money going

Managing your cash is a daunting task. Did you know the average American household spends 26 percent of earnings on housing costs and 13 percent on transportation? That means 61 percent is going somewhere, but most Americans do not know where.


The U.S. Bureau of Labor and Statistics has published information detailing how America spends its cash. Learn how to understand your spending habits and get control of your finances.

How America Spends