Another interesting part of Visa's conference call was about the drop in gas prices and it's impact on household spending. Visa said gas prices have dropped 30% since June. Each household saves an average of $60 per month due to this drop in the price of gas. Visa says that their surveys show 50% of the energy savings is being saved, 25% is being used to pay down debt, and 25% is being spent at grocery stores, clothing stores, and restaurants. Visa also mentioned that they expect an increase in spending related to the energy savings in the discretionary industries of home improvement, electronics, and travel & entertainment.