The recession has affected the way many Americans are saving and cutting back on expenses so much that frugal living could a permanent life change.

According to a survey from firms First Command Financial Services Inc. and Sentient Decision Science LLC, 58% of respondents said the current economic situation will have a long-term effect on their spending behavior. Half said they have decided to embrace frugality as a way of life.

Americans continue to cut back by reducing leisure activities (53%), attempting to reduce utility bills (49%), reducing clothing purchases (48%), shopping at discount stores (48%), increasing their use of coupons (46%), reducing holiday spending (45%), reducing travel (43%) and bringing their lunch to work (40%). Among those who are cutting back, 26% said that it is out of necessity and two-thirds (66%) said that it is "preparatory."