In these uncertain economic times, Americans seem to be hunkering down to ride out the economic storm.
Many are saying they now have to watch every penny.
"You gotta save, save, save whatever you can," said New York resident Elisa Goitia. "I have to cut back a lot in food shopping, buying clothes for work, going out to dinner, movies. I stay home on the weekends now. I don't do as much as I used to."
But a few banks are reducing interest rates to keep more homeowners, like Diane Smith, in their houses.
"I thought I could buy running shoes for my kids again. And I could afford to buy milk for my kids again," she said.
And one positive note -- drivers are getting a welcome break at the pump. The price of crude oil has dropped as low as $83 a barrell. That means gas prices are falling too.
"See this right here used to get me half tank. I think it's gonna fill me up today," a consumer said.
In July, unleaded hit a record high of $3.95 a gallon.
One month ago, it was $3.52. Now, it's down to $3.17.
Some places are even seeing prices below $3.00.
"To be able to save a little money at the pump is definitely a savings grace!" said Kansas driver Sandy Hickman.
Voters say there is another upside to the fincial crisis.
Michael Rabinowitz, a New York resident said, " We're getting to see on the fly what presidential candidates would do with such an important issue."