Along with the changes it has wrought on consumers’ finances, the tough economy has affected their basic outlook on life, according to StrategyOne polling fielded last month. The chart gives a sampling of largely negative effects. A particularly dramatic one lies in a number not shown in the chart: Among female respondents age 18-34, 27 percent said they’ve decided to delay having a baby. Eighteen percent of single Americans said the economic downturn has led them to delay getting married or engaged. But it has also kept some marriages afloat: 9 percent of married respondents have put off getting a divorce.