here's donna rosato, senior writer at "money magazine." >> you don't need anyone to tell you that the financial crisis has taken a big toll on your investments, your home value, even your job security. but whether you like it or not, the worst economic crisis since the great depression has also fundamentally changed the way we manage our money. are you eating out less often? are you putting more money away for a rainy day? are you borrowing less? then you too are part of the new austerity mindset where splurging is out and being thrifty is in. our editors at "money magazine" partnered with "time magazine" for a survey comparing consumer financial habits immediately before the 2008 meltdown, right after and again this summer. it revealed a profound shift in financial attitudes. nearly two thirds of people surveyed said they're cooking more at home and building an emergency fund. they're focusing less on material things and spending more time with family. people are shopping around for deals and using coupons. no wonder that reality shows like "extreme couponing" are watched by millions