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The last few years have been a period of big changes in the way that many of us shop and spend our money.

In the past, the biggest challenge was managing our finances and staying on top of the myriad of options available.

But the rise of cloud computing, the advent of smartphone apps, the proliferation of online retail and other new technologies have changed the way people shop and how we shop.

And that’s helped to reshape how we buy and how much we spend.

A new study by research firm NPD Group has found that as the smartphone and other connected devices have made shopping much easier, so has the idea that spending money is an opportunity.

The survey, conducted online with 2,000 Americans, found that shoppers are far more likely to shop on a budget than ever before.

And for some consumers, the idea of spending less to save money has become a lifestyle.

According to NPD, people who spend less on a typical week are less likely to use an ATM, pay their bills online and spend more on clothes and electronics.

This is particularly true for those who are buying at a time when most stores are closing and the recession is tightening.

But NPD’s survey also shows that shoppers who spend a lot on a given week are more likely than others to be happy with their purchases.

And in many cases, they’re not happy with just how much they spend.

While more than a third of shoppers say they are “a little” or “somewhat” satisfied with their spending, just over a third say they’re “very satisfied.”

And just over half of those who say they aren’t satisfied with spending say they “might” spend more if the economy recovers.

Some shoppers are more focused on the savings that they’re able to make in the short term than on the big picture of the year ahead.

Some of them say they’ve already made up their minds about what they want to do with their money, which can make it difficult to gauge the true impact of the holiday season.

But even those who aren’t necessarily saving for the holidays can take comfort in the fact that spending a little on a weeklong budget doesn’t mean the holidays are off the table for them.

“We have the opportunity to be a little bit frugal,” says Stephanie Kline, a retail and consumer studies professor at the University of Southern California.

“But we can also be a lot frugally.”

In addition to the big-ticket items like jewelry and cars, the study found that spending on smaller, personal items like books, food and groceries also increased over the past year.

And while consumers who have made their money savings plans may have more to spend next year, those who have not yet made savings are likely to have more opportunities to make their money better.

“The biggest changes for the consumer have been the increase in spending on small, everyday items like food and clothing,” says Kline.

“These are things that we already know can make a difference in the financial health of the consumer.”

The study is part of a larger effort to understand consumer spending trends, and the findings from NPD will likely play a key role in the government’s efforts to help consumers manage their budgets.

NPD surveyed more than 2,400 consumers across a wide range of demographics and spending habits.

It found that while more than half of consumers said they have been saving for a holiday in the past 12 months, most shoppers said they weren’t yet ready to make a budget, with a few citing concerns about spending too much on Christmas, Christmas Eve and New Year’s Eve.

In fact, almost one in five consumers said that they had already made a budget for this year.

That’s a shift from the past two years, when nearly one in four consumers said spending for a single day was a big concern.

And some consumers are finding that it’s easier to budget in the spring, as the economic downturn helps to fuel demand for more expensive goods and services.

“For many consumers, their holidays are about spending less and spending more,” says Kathryn E. Smith, senior vice president and director of consumer insights for NPD.

“It’s about making savings for the future, not just for the holiday.”

NPD also found that people who were most likely to say they were planning to spend more this year were those who said they are currently spending less on the year.

Those who are spending less are more often saying that they plan to make up the difference in future years.

And, as NPD found, those shoppers who plan to save the most are those who don’t yet have a budget.

In other words, the holidays may be over for many of you, but you might still be making a big difference in your finances next year.

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