With a few days left before the New Year, it is pertinent that you take time to figure out what changes you will have to make if we do hit this expected fiscal cliff. The average American will be expected to spend $3,500 more each year in taxes. The question is-where is that money coming from? Maybe it will come out of your food and entertainment budget, if you are lucky enough to have one of those. For a lot of Americans, it will be coming out of your survival fund. If you think ends are difficult to meet now before the cliff hits, then you need to sit down with a pen and paper and take a look at how much worse things are going to get.