<prompt> Human: My wife and I filed our taxes the other day and were super bummed out when we realized we owed 1,300 federal. Were taking the appropriate steps to correct this for next year, but neither of us has ever owed before and were not sure what to expect. When I finished filing, I elected to mail the IRS a check for the amount, but we cant afford to just drop 1300 like that. How much is the IRS willing to work with people in repayment? We could probably afford a little over 100mo to have it all paid for by this time next year. Do I need to get a hold of them, or will they get a hold of me?Thanks!Edit: Guess I shouldnt have removed this from my original type up of the question... Weve been working toward getting our finances in order for the past month or so. Weve been budgeting, setting aside a quarter of our rent each week to help keep us in-check during the week and ease the financial burden each month, etc. Im very familiar with the recommendations of the subreddit with regards to budgeting, and Im 100 with you. Were just not at a point where we have an emergency fund or are able to set aside but a few dollars a paycheck for one. I appreciate the suggestions to budget, have an emergency fund, etc., but were working on it :  <response>: We could probably afford a little over 100mo to have it all paid for by this time next year.Just changing your withholding to not owe 1300 next year is going to cost you that much. It sounds like youre going to have to find another way to pay it off such as selling something or adjust your budget. 