They switch off the light every time they leave a room

Her kitchen smells of coffee, pears, fresh flowers and home-cooked chicken.Through Cheap Rosetta Stone the open window, car horns and the clatter of trams mark a typical morning's traffic on one of the busiest streets in the Romanian capital. Mariana's husband Dan is away on a work trip, their children, Andreea, 9, and Vlad, 8, are at school.Mariana, 42, runs through the family budget: her monthly salary, including overtime and night shifts was cut last year to 1,400 lei ($437) -- a little above the average wage in Romania -- from 2,000 lei. Dan, 37, who works for a charity foundation, has brought home 1,000 lei a month for years.Like most families in Romania, where GDP per capita is less than half the EU average, the Stefanescus learned to live cheaply long before the recession hit. Over the past two years, though, as the government cut state wages by a quarter, slashed bonuses and jobs and raised value added tax, they've concentrated on making sure the basics are in their supermarket cart.While they don't feel deprived, the family lives from payday to payday. They do not eat out, Stefanescu says, and save next to nothing. They keep postponing an eye check-up Rosetta Stone Greek for Dan, who squints when they watch television. They switch off the light every time they leave a room."The children still get dessert, but the (chocolate) Kinder egg is now rare, a reward," says Mariana, a lean tall woman, with auburn hair, a melodic voice and a welcoming smile that both her children have inherited.DODGING THE CREDIT TRAPAround two years ago, Romania was the European Union's fastest growing economy. Foreign investment poured in, as did cash from Romanians working abroad. As elsewhere in eastern Europe, an influx of cheap credit triggered a shopping frenzy among Romanians eager to catch up the West.Now most of those gains have gone. The currency has lost roughly a fifth of its value against the euro since its 2008 highs. Hard-currency loans, which posted double-digit growth in the years before the crisis, now account for more than half of all private loans, weighing heavily on tens of thousands of mortgage holders.On the streets of Romanian cities, where currency exchange offices once dealt with a flood of remittances sent by Romanian migrants, pawn shops and second-hand stores have multiplied.Central bank data shows Romanian private lending was, at some 41 percent of GDP in 2009, among the lowest in the EU, where the average was 150 percent. Rosetta Stone Spanish (Spain) But roughly half Romania's labor force, or 4.5 million people, have an average of two loans with banks or other financial institutions.

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