With the new year, a lot of people are seeing changes in their paychecks.  Maybe you're making a bit more because of changes in tax law or an annual raise.  Maybe you're bringing home a bit less due to changes in your insurance costs.  Maybe you didn't see a change at all, but are hoping for a raise this year. I know that when I see my paycheck go up, even just a few dollars, I immediately think "Oh good, a bit more money to spend every … [Read more...]