Lower-income working families will really feel the pinch when increased payroll taxes kick in.

Community Link, a local agency, is working to make sure those families have the tools to make every dollar count.

It is assisting about 40 people who are transitioning from homelessness to being in a home of their own. Each person is paired with a volunteer financial coach like Hamilton Ansley, who said he helps clients with everything from creating budgets to savings plans.

Money management will be more critical now that Congress let the 2 percent tax break on Social Security payroll taxes expire.

A family making $30,000 will bring home $50 less each month. A household making $25,000 will see a $39 a month reduction in their paychecks. Anyone making $18,000 a year will lose $30 a month.

The clients in the Community Link program have jobs, but with relatively lower incomes.

"That's 10 meals, gas, your ability to get to work, to afford healthy food," Ansley said. "It cuts directly into that kind of stuff."

His job will be to help them make choices that will keep them on course to maintain financially stable lives.

"It's already a tight budget and they already scrape by, so it's definitely going to be impactful," Ansley said. "We have to be creative in terms of the places we find to cut and ways for them to make it."

Community Link said many of the families in their Homelessness to Housing program did benefit from the extension of the earned income tax credit and child tax credit.