In fact, 52% of consumers say the recession has "forever changed" the way they spend and save, according to a recent survey by Citigroup. But that's down from 63% when the same survey was conducted a year ago.
But that means at least 11% are back to their old ways, as the economy improves will you stick to savings or will you return to your spending ways?
For us, I think we are generally entrenched in our personal finance habits. We are in year 5 of working off a spending plan and allowance system and year 5 of not using credit cards and year 4 of a committed yearly savings plan. But, I recognize that the forces of evil, the free spending friends, consumer trends and advertising, are hard to avoid and hard to resist. As those forces go stronger we will have to recommit to focusing on our way of living.