<prompt> Human: When the payroll tax holiday kicked in, I just considered it a bonus and directed the money straight to savings. I assumed I would just stop saving that amount when the holiday ended. However, I decided I like saving that much money every month on top of other savings of course and Im now planning to cut spending instead of cutting savings.I imagine many peoples lives or minds have changed over the last two years. What was your original plan, and what is it now?  <response>: Cut back on costs by 2? 