I am a new member who is disabled on a small disability pension. My husband just turned 65 and we are confronted with a lower income just when this economic downturn hit. I, as the household buyer have been trying to cut down whenever possible. We have stopped eating out, attending theatre, buying things we simply want and do not really NEED. I have put myself on a spending diet and have made a game out of seeing just how little I must spend. The money we are saving goes to debt reduction and World Vision. There are people in the world worse off than us!