If consumers have taken anything away from the Great Recession, it may be learning the importance of budgeting and saving.

Stu Fisher, senior vice president of eCommerce at Addison Avenue Federal Credit Union, said that the trend among members has been to save more and pay off debts.

"Overall for the credit union, 2009 was a year of retrenching for members. Savings levels increased, and many online discussions revolved around paying off credit cards and reducing debt."

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