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Controlling Expenditures in Difficult Economic Times The current slowing economy has prompted many individuals to take a closer look at how and where they spend their money. If you find yourself in this situation, and many of us do, you may need to develop some restraint in consumption and grasp the value of saving to build wealth for the future.   Housing Credit Information The National Association of Home Builders provides a comprehensive overview of the first-time homebuyer tax credit at www.federalhousingtaxcredit.com.   Retaining Tax Information and Records Retaining and storing your income tax information and records is an important final step of your tax filing responsibility. This article contains information on the rules for keeping your tax records.