@JellyB although it’s true Texas has generally been spared the effects of the current economic downturn, that is expected to change so plan accordingly.
@essieness i am always amazed how some people are able find the silver lining, but it’s a stretch to refer to the current economic mess as an awesome opportunity for our country, though i do get what you mean.
personally, i haven’t changed my spending ways significantly but i feel guilty about that when i think about it – seems irresponsible for those of us that aren’t frugal to begin with not to find ways to cutback on expenses. although, now that i think about it, we have changed our vacationing habits last 2 years but that’s mostly due to a desire to spend money in the good ole’ usa. now i have to stop else i’ll convince myself i’ve cutback enough.