To be perfectly honest, we are quite concerned and are making some pretty major changes. The first was a move across the country. The second was buying a house with a little land but keeping the mortgage well below what our salaries say we 'should' be able to afford. We also picked a home that was still bike commutable (barely!) to both of our places of employments. We are growing a lot...veggies, fruit trees (came with the property), herbs, etc. We are having insulation levels checked and solar estimates (both hot water and PV) done. We are selling the second car, selling much of our excess 'stuff' and generally working to downsize and to conserve. We don't use credit cards, we are paying extra on our mortgage (or we will, once we start paying it!) and on the other car, and we are trying to get debt free. We are also building a chicken coop this weekend and getting our own chickens!

Personally, I believe things are going to get much worse before they get better, so we are trying to prepare as best we can.