AP - The Commerce Department reported Wednesday that personal spending shot up by 0.9 percent, the strongest gain in six months, while incomes rose by a solid 0.7 percent. <snip> The bigger rise in spending compared to incomes kept the personal savings rate in negative territory at a minus 0.7 percent. That meant Americans spent more than their after-tax incomes, which forced them to dip into prior savings or increase their borrowing. For all of 2005, the savings rate registered a negative 0.4 percent, the first time the savings rate has been in negative territory for an entire year since the Depression years of 1932 and 1933. <snip> Disposable income, the amount left after paying taxes, rose by 0.5 percent last month. The personal savings rate, the amount left after subtracting spending from disposable incomes, dipped to a negative 0.7 percent in January compared to a negative 0.4 percent in December.