I think you are doing what a lot of people are doing Chucky.
People are looking at their debts and trying to get rid of them, instead of going out and buying stuff.
Australia has now distributed the second stage of their stimulus package.
The first payout was to pensioners, and even a large percentage of them, banked the money instead of buying something with it.
The second payout this week, is to low income earners, and parents of school children, and it seems like they are paying off debt or keeping it for bills, instead of going out and buying things.
People are just not confident in spending money anymore.