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My spending habits have definitely changed. I am self-employed in the service industry, and people are spending much less on themselves for things they see as a luxury (like bodywork, dance lessons, manicures, etc.). As a result, I cutting down my spending, especially for Christmas. I am making presents, shopping Goodwill, as well trading services with other self-employed people to give gift certificates to my near and dear ones. Another thing my family is doing is to give to charities instead of buying gifts: we don't need a lot more stuff than we have, but other people do. By giving to a charity, we honor a family member AND provide more for someone who needs more than we do.

posted 4 years, 6 months ago
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