After seeing our net worth reduced by over 40 percent, my wife and I decided to seriously reconsider our budget. We've cut out over 30 percent of our spending and will be extremely careful until the financial crisis is resolved. Neither of us lost a job, and our house isn't being foreclosed -- we just thought it would make sense to be more careful with our money, with hard times possibly looming. This made me curious: have other MacRumors members cut back due to the meltdown? Have you put off purchases? Cut up your credit cards? Seems like plenty of us are still buying new computers. I was just curious if it's business as usual for most people or if folks are making real changes.