Editor’s note: This is a transcript of the audio file.

Has the stock market volatility or economic uncertainty caused you to think twice about spending? A survey by Bankrate.com has found that 40 percent of Americans say they have tightened their purse strings in response to the financial climate.

I’m Sheyna Steiner with the Bankrate.com personal finance minute.

Though many people have cut back not everyone is anxious enough to stop spending. According to Bankrate’s survey, women were much more likely than men to say that they have reduced their spending.

The way men and women react to economic fears may have to do with the way the different sexes approach money. Women tend to view money and investing as a way to stay out of poverty whereas men view investing as a source of gain.

For those who look at their finances and the stock market as means to keep their head above water, anything that threatens that can be especially frightening. But there are ways to keep financial nerves in check starting with a solid budget and a well-padded emergency fund.

To learn more about saving and investing, visit Bankrate.com I’m Sheyna Steiner.