Survey: Consumers have more disposable income

Fewer people are living paycheck to paycheck, according to a recent survey.

In the job search website CareerBuilder's latest poll, 42 percent of respondents say they live week to week to pay their bills. While this may seem high, the rate is down from last year and is at its lowest level since 2007, prior to the recession.

Rosemary Haefner, vice president of human resources for CareerBuilder, said the findings show that more jobs are becoming available and people are budgeting.

"A better employment picture in the U.S. has brought more steady incomes into households and workers are paying much closer attention to spending decisions and savings," said Haefner. "The majority of U.S. workers reported they are more fiscally responsible since the recession and have made a variety of changes to their living and spending habits."

Specifically, the survey found one in five reported missing a bill payment within the last year, down from 22 percent compared to 2010.

Bills that go unpaid can wind up costing consumers in the long run, as they diminish their credit rating. Some creditors, however, may fail to note consumers have paid something off, causing their credit scores to fall unfairly. This may be corrected after meeting with a credit repair company that may be able to devise a solution.