I have to change my lifestyle too. Our businesses have been affected by the housing melt down and most of my extended family is in construction. So I feel it all around me. No more Starbucks for me...and a lot less eating out..thats just the beginning...but like you..I have strong faith that whatever happens...this will pass one way or another. Of my starting college class only two of us havent shortened our term to go for a lesser career sooner. Everyone is feeling the crunch and needs to get out and get a paycheck. My gas commute started at $240.00 a month its now over $300.