One of my employees and I had a conversation about this today.

Everyone was discussing the economic hard times coming, recession, depression, etc. in close to panic mode.

Terry and I looked at each other and said, basically, "So what?" We will continue to live exactly like we live now, and have always lived ... frugally, within our means. We were raised by parents who lived through the great depression.

We know what it is to plan and save for a purchase, and wait until you have the cash before you buy. We know how to plant a garden, and how to can food. We have had periods in our lives when we didn't have a television or a land line phone, let alone a computer and a cell phone. I'm not saying we always do this all the time ... but we know how, and we would not bat an eye if we went back to doing it on a regular basis.

I go to yard sales and thrift stores. I buy in bulk. I wait for sales. My husband sometimes makes fun of me, saying, "Shanna, we make x-amount of money a year, you don't have to live like we are poor anymore." Well, why not? It doesn't hurt anyone.