We've been hearing from some of you that you're trying to save more, that you're either tired of what feels like over-consumption or that you want to hunker down in case you lose your jobs.
Others of you tell us that you've decided to spend a little more, here and there, to help a local business or to prop up the economy in general.
That debate plays out in the slideshow above, with ad campaigns from the U.S. and Finland.
What we keep asking ourselves at Planet Money is not just how we're changing our spending/saving habits, but whether those changes will last. Hit the comments, please.