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addison coach diaper bag furniture needs and kitchen ware supplies."We have great deals at Goodwill," said Kathy Topp, director of marketing and community affairs at Goodwill of Southern Nevada.Consumers lead economy into age of austerityThe "new normal" is dawning on consumers and borrowers before it dawns on policymakers and the media.Figures out this week show New Zealanders have begun the long and painful process of changing their ways and restructuring the economy.Treasury and Reserve Bank statistics show New Zealanders are now injecting equity into their homes at a rate of about $3 billion a year, which is a huge turnaround from the equity withdrawal of more than $4 billion a year between 2004 and 2008.Finance Minister Bill English trumpeted this as a sign New Zealanders were saving more and the economy had begun the long awaited restructuring away from consumption and importing to saving and exporting.But have New Zealanders really started saving and investing? If so, what might it mean for the economy?The figures don't actually show increased saving. All they show is that people have stopped using their houses as ATMs. What is portrayed as increased saving is actually the difference between the amount that is being spent on new housing and renovations and the amount raised in new debt.As a nation, we continue to spend more than we earn because we have a current account deficit. Until that is reversed, we are nowhere near saving again.A closer look at what is happening with saving and borrowing show that New Zealanders have yet to start repaying debt and saving. Bank lending to housing has actually risen by $8 billion