What have you changed in your life with all the bad economic news? Even those of us who are not affected -- either we're safe in our jobs or we don't carry any debt -- are making changes.

There's even a new term in the marketing world -- "insourcing" -- to encompass the idea of doing things yourself to save money instead of paying someone else to do it. An example of this would be Target's latest ad campaign.

A recent ABC News/Washington Post poll found that 70% of us believe the current economic downturn will last at least into 2010. More than one-third of us think it will run through at least 2011 or 2012.

Nobody knows about the duration for sure, so we're really analyzing how we spend our money. Some of us are even turning DIY (do it yourself). The Washington Post reports that sales of sewing kits at Wal-Mart are up 30% in just the last few months. People are mending their own clothes instead of paying a tailor or seamstress.

Landscapers are affected too. People who used to pay someone else to tend their yard are now doing it themselves. The landscaping business is down about 7% as a result.

In yet another example, Proctor and Gamble is getting a big increase in people wanting to know how to dye their hair at home. They're specifically looking to match the color a professional already put in.

Two-thirds of us make these nips and tucks. One-third of us are doing so out of the necessity of a layoff or having our hours cut back at work.

However, insourcing may just be a temporary phenomenon pending an economic recovery.