Although I'm not feeling the credit crunch I have subconciously started to behave as though I am.
Every few days I visit the supermarket for fruit, water, filter coffee etc. to take to work. Today I realised I was looking at the prices of products and had been doing so over the last 3 weeks, this is something I had never ever done at this level of spending (5-10 GB Pounds).
I think all the doom & gloom recession media coverage has triggered some inert behaviour in me.
We've tightened our belts now I'm retired. But we are not living on bread and water - just chicken breast rather than expensive fish and meat. It's true that I have stopped a lot of my discretionary spending, but since I'm not a shopaholic (and I use that word without irony - I know the obsession can be very real), I have accepted that some of the prior luxuries just don't fit the plan right now.
But all of this isn't anything to do with the credit crunch. We didn't have debts before I retired, and we don't now (except for a Home Equity Line of Credit that I took out - at a good rate of interest - to delay touching our savings. And - by the way, it was very easy to get). It's more a matter of conserving available monetary resources.