Well, we never have been the kind to run up charge cards, so I do not have a problem there. I lost my job in September and have yet to find another job. We don't eat out as much, I have cut down on the amount of groceries that I buy, we second guess all purchases that we make, and we are more aware of utilities also. This time has been tough, but learning to not care what anybody else thinks of where I live or what I drive has been a huge thing for me. Like me for who I am, not for what I have. We are very, very blessed!!