Last year at this time, Kathy Johnson and her hus-band traveled to London and Paris, where she spent about $2,000 on a shiny, red Louis Vuitton shoulder bag and a matching charm without much thought.

• 去年此时，凯西．强森和她丈夫到伦敦和巴黎，她还毫不犹豫花了大约2,000美元买一个闪闪发亮的红色路易威登名牌肩背包及一个搭配的饰品。