As a result of the economic crisis, 51% percent of Americans surveyed have cut back on their indebtedness.

An online poll of 3,200 consumers by the National Foundation for Credit Counseling (NFCC), Silver Springs, Md., found reducing debt was the overwhelming response when consumers were how they used the economic crisis to improve their financial situation

That was followed by 20% who said the crisis had moved them to begin tracking their spending and develop a budget. And 10% said the crisis caused them to examine their credit report.

Only 6% said they had begun saving more.

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