Cant say it has. Im 16, in college and have a part time job, so im not having to pay bills / taxes / car costs (yet). I can tell, empathetically that my parents have felt the effects, however my dads a professional (Police officer) and my mum works for the council so they have pretty secure jobs. Until I get into full time employment (atleast 2 years from now, im going into a level 3 course to be an IT manager with views to move to America yeah (H)) I cant really say. Suffice to say its quite a scary prospect, wouldnt want to find myself slumming it on the streets 5 years from now.