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12. Regarding your personal finances, which of these statements applies to your life since the economic crisis began? (Check all that apply)



I am asking my kids to make some sacrifices

I am making some sacrifices so my kids don’t have to

I have crunched the numbers to try and cut any wasteful spending

I use public transportation more than I used to

I canceled my gym membership out of financial concerns

I did not make the charitable gifts I made last year

I spend more time looking for bargains

I am using more coupons

I had to postpone my retirement

I have talked to family members about cutting wasteful spending

I changed my investment portfolio to take less risk

I cook more at home to keep costs down

I feel less pressure to do more and have more

I enjoy spending less money

I have taken the opportunity to teach my family the value of money

I feel guilty buying luxury items

I am much less likely to spend freely

I am changing my investment practices

I feel financially out of control

I feel that I don’t have enough money to live my life the way that I want to

My children will have a better life than I have

I'll never buy things on credit again

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