Many want or need to rebuild the strength of their finances by spending less and, as today's Markit Household Finance Index shows, with wages stubbornly refusing to keep pace with inflation and benefit payments being constrained, most consumers feel poorer.

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How about the rate of GDP growth, the number of new housing starts, median household income, the producer price index and countless other economic indicators if they were reported without distortions caused by unstable concurrent seasonal adjustments, subjective hedonic deflators, chain-weighted substitutions, skewed sampling, delayed reporting, historical estimates in place of data gone unreported by failed companies, and other common bias factors?

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Users of Flickr and Shutterfly index very high for having hefty annual household income.

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We also incorporated Economy.com's business cost index, which looks at labor, tax, energy and office space costs and its living cost index, which factors in housing, transportation, food and other household expenditures.

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The major stock index has gained 80% since March, 2009, adding many trillions to household wealth.

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