Source: Melanie Hicken, CNNMoney.com ( Free Registration )

Smarting from smaller paychecks, consumers are tightening their budgets and looking for other ways to save money, according to a survey released Thursday.

Nearly three-quarters of respondents said they were cutting back to cope with tax changes this year -- including dining out less, limiting travel plans and skipping everyday indulgences, according to the National Retail Federation, which sponsored the survey.

"We cannot grow the nation's economy until consumers consume," said NRF chief executive officer Matthew Shay in a statement.

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