"We are saving about as much as usually, but spending it differently, thinking a bit longer before spending it than we accustomed to. We keep more in cash and cash-like entities and mutual funds inside a 401k, than in investments that can 'tank' too very easily. We are also concentrating on teaching our 11-year-old, therefore she, too, learns how money works, like kids throughout the Great Depression did. Hopefully it will stick with the woman's! " - Kate Carney MacDonald, retired Financial Services Procedures Manager, Lakeland, FL
"Actually, we are saving more nowadays, which is ironic, since we are retired. We are saving from our retirement check/social security something each month toward vacations. We don't have as many expenses once we did when working, obviously, however we give more towards the church and to help our families. We haven't place it away long term, just in a savings account. inch - Maria Kimmel, retired teacher, York, PA
"I am spending as part of your now, but it is for a good cause -- my son's education. But if I didn't save once the economy was good, we would not be where we're now. I have a 401k at work and try to put into savings whenever possible. We keep track of all expenses (even the two cent gum) on Microsoft Money. All expenses are reviewed from month to month to find wasted spending. " - Carl Wiegman, push operator, Lakeland, FL
"It's really hard to save nowadays. Everything I draw on my disability goes straight toward the bills so I really have no savings. I cut corners everywhere I can so far as luxuries go. I don't have cable or even long-distance on my phone, but I am a great shopper and I am able to obtain the best bargains and I save a lot that method. Really that's' all we can do is live one day at any given time. " - Diana Lee Waldo, retired animal handler as well as trainer, Lakeland, FL
"Number one, I diversify, and never place it all in one place. I have some in the Roth IRA, some in stock, and some in cash markets. I also have some in my 401k, that is primarily mutual funds. My plan is to work till they make me quit, then stay home and pester my spouse. " - Michael Richard, international sales manager, Lakeland, FLORIDA
"Well, we haven't been able to save much with this economy, other than putting some into a 401k each week, due to 'under-employment. '" We have definitely cut back again on some things, but it hadn't gone into cost savings. However, we consider ourselves very blessed and fortunate when compared with what some families have faced in this economy! inch - Diana Richardson, Healthcare Administration, Boston, MA
"I can't say that we've seen much when it comes to savings in our household. I do know that we've reduce in areas, and I do have friends that did the same. It's not caused our savings accounts to develop, though. It's simply to keep food on the table and fuel within the vehicles! " Deborah Cliver, retired food pantry director, Lakeland, FLORIDA
"I don't have a savings account, because I live paycheck to paycheck nowadays, and I don't even have a family to assistance yet. I am saving money toward my retirement having a 403b through my job. " - Cassandra Manley, instructor, Winter Haven, FL
"Heck no we're not saving much more! We got a pay cut (thanks to the economy) and I'm unable to save much these days. The only place I'm stashing profit in other peoples' pockets, it seems. Right now, we're saving enough to push away emergencies without breaking the bank, and maybe live inside a house when I retire and not a tent! It's been a rough few years, but God is still on His throne and my loved ones and I are still alive. We got this point down. " - Mark Lindsay, Assistant Pastor, Buford, GA
"I am saving my money whenever I will. I even know the ladies at the bank personally because I stop and put $5 in in route to work. It's like a piggy bank only it is a savings account so I get interest. " Carrie Frederick, cashier, Cosby, TN
"We tend to be saving spare change, in a cup, for a family particular date. I am trying to cut back on spending, and I'm using coupons to assist with that. I have found that by using coupons I'm spending less and actually able to buy some extra things for myself which i didn't used to. The extra we are saving is actually being taken up in gas and doctor bills, because my son broke his arm, but I am thankful for what I've been blessed with. " - Rebecca Martin, homemaker, Lakeland, FLORIDA.