Revisit Your W-4 Withholding
Most people have far too much tax withheld from their paychecks, as evidenced by the billions of dollars in tax refunds the IRS hands out every year. While over-withholding might give you a nice windfall at tax time, it also means less money in your pocket every payday.
Properly adjusting your W-4 withholding can put more money in your pocket now, without resulting in a huge tax bill on April 15. You won't get the large refund you may be accustomed to, but you won't be loaning the IRS your money and waiting until tax time to get it back either.
Your employer can provide you with a new Form W-4 at any time. Keep in mind it may take a few weeks for your new withholding to take effect.