Smart money moves can keep more in your wallet

First, the site advises, take advantage of pre-tax dollars.That involves contributions to retirement and flexible spending accounts for health and dependant care.

Depending on how much you earn, it could save you 25 percent in taxes on the money you contribute.

You're giving the government a tax-free loan. Adjust the withholding – the money held for taxes each pay period – in your paycheck to keep more money in your pocket.

And don't forget about your savings account. You can put contributions on auto pilot.

Bankrate.com found only 24 percent of us have an adequate emergency fund, which would cover 6 months of expenses or more.

Work with your bank to have a certain percentage of your paycheck automatically moved into a high interest account.