Whenprojecting the amount ofmoneyyou can live on, don'tincludedollarsthat you can'tbe sure you'llreceive, such asyear-end bonuses, tax refunds, orinvestmentgains.
The Treasury Department said it was also starting a pilot program to encourage some workers who receive wages through payroll cards roughly 1.7 million people to receive their 2010 taxrefunds on those cards.