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The newest of tax increases has hit America's paychecks and pocketbooks. Bringing less home may increase the need to take out a payday loan, trying to make up the difference for what isn't going in the . With a 2% increase, households who bring home $50,000 will be seeing about $38 less in their biweekly paycheck.

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Young adults are being bombarded with warnings. Avoid a cash advance, don't use credit cards, limit student loans but build your credit to help assist future finances. We all know that eventually car loans and/or a home mortgage will come around. In order to have good credit, we have to have credit and then manage it wisely.