How has the credit crunch affected you?

Feeling the pinch yet? How has the credit crunch affected your lifestyle, find out what our readers think ...

Are you reining in your spending big time, or just carrying regardless? We want to know if you our readers are still treating yourself to little luxuries, despite the credit crunch - answer yes or no here.

And, of course, as everybody's idea of luxury is something a little bit different - why not tell us yours. A new handbag or simply some time to yourself - choose from the full list here. 

For great money-saving ideas that are all about enjoying life, rather than being miserable, read our guide to saving money here.