8 out of 10 north -Americans changing spending habits for recession fears: survey

The current economy is changing as the North -Americans manage their money, according to new research.

A recent survey of 2,000 North -American general populations revealed that eight out of 10 (77%) have changed the way they manage their finances as a result of the current economic conditions.

With the majority (86%) feeling that the economy is still uncertain – and six out of 10 (58%) believing that a recession is inevitable – people double in the prediction, stability and long -term control when it comes to their expense.

Composed by Affirt and made by Talker Research, the results found that half (50%) want to keep in cash available for unexpected expenses or financial uncertainty, two out of five (41%) want to manage their budget with fixed and predictable payments and more than a third (36%) are thinking longer than ever about their finances.

This is not surprising, since the average of the respondent predicts that today’s financial uncertainty will last for another ten months.

In response to these challenges, two out of five (39%) prioritize strategies such as avoiding the credit card interests or rates. Americans are also active measures to strengthen their financial knowledge.

More than one in four (28%) improve their financial literacy, almost one in four (23%) explores how to make different payment options for them, and about one in five (19%) seek more value of their financial suppliers to keep them forward in the current climate.

In addition, most respondents (83%) are focused on what they can control with their finances.

“Control means prioritizing predictability,” said Vishal Kapoor, the SVP of Affirt product. “That is why almost half of the consumers (49%) appointed” without surprise “as a maximum priority when making purchases this year. Affying is built to support this need: with transparent terms and without late or hidden rates, we help people to spend smarter and plan with confidence.”

In addition to “without surprise”, slightly more than two out of five respondents (41%) aimed at non-interest offers, and about one in three (35%) evaluated the ability to disseminate payments over time, further emphasizing their long-term mentality.

More than a quarter (27%) highlighted the need for clear deadlines for payments, while two out of five (41%) emphasized the need to manage their budget with fixed and predictable payments.

All these priorities are related to what respondents find important when managing their money in the current economic climate: control, predictability and total clarity when managing their money.

“Consumers are clearly more than their financial tools. They want payment solutions to help them manage their budgets, avoiding surprises and being financially resistant,” added Kapoor. “This is exactly what we created. From options like 0% APR offers predictable monthly payments, we offer people a greater flexibility and tranquility as they plan for the future.”

Survey Methodology:

Talker Research surveyed 2,000 north -American general populations; The survey was commissioned by AFFIRM, administered and made online by Talker Research between March 21 and 25, 2025.