No one likes to pay any more in taxes than they have to, and for those who don’t have upper-class salaries, it’s even more important to preserve every dollar you can. For those who make more than $90,000 a year in income, tax deductions can be extremely valuable. But for those of more modest means, tax credits often offer more bang for the buck. In particular, the three tax credits below offer helpful ways for many taxpayers to reduce their tax bills.