Summer may be the time to loosen your collar, but Americans aren’t loosening their wallets to any great extent. According to a recent Gallup survey, 83 percent of consumers surveyed said that in the past four weeks they purchased generic or store brand goods while 55 percent said they are following a strict budget. About 40 percent said they purchased used goods to save money, according to the poll. According to Gallup, consumers are spending more on household essentials but report having less…