|Highlights of Discover U.S. Spending Monitor Results|
|September 2012||October 2012||November 2012|
|Discover U.S. Spending Monitor Index||91.3||98.1||95.4|
|U.S. Economy Improving||30%||35%||35%|
|Personal Finances Improving||23%||28%||26%|
- In November 2012, 51 percent of consumers viewed the economy as poor, an 11-point decrease from November 2011.
- Female respondents who rated the economy as good or excellent in November increased 2 percentage points to 18 percent compared to October. However, male respondents who rated the economy as good or excellent declined 3 percentage points from October, also to 18 percent.
- Remaining at a Monitor high, 35 percent of respondents expect the economy to improve, a 16-point year over year improvement from November 2011.
- Consumers with an income of greater than $75,000 and those making between $40,000 and $75,000 both reported a decline in expectations of the economy getting better (down 2 points to 44 percent from October and down 1 percentage point to 34 percent, respectively). However, those making less than $40,000, who felt the economy was getting better, increased 3 percentage points to 31 percent.
- Consumers rating their personal finances as good or excellent declined 2 percentage points in November from the previous month to 35 percent. However, this is 2 percentage points higher than November 2011.
- While the percent of respondents who expect their personal finances to improve in the future declined 2 points from October to 26 percent, this is 7 percentage points higher than November 2011.
- Respondents between ages 18 to 39 who rate their personal finances as poor increased 7 points from October to 28 percent.
- On major personal purchases such as a vacation, 46 percent expect to spend less, up 1 percentage point from October.
- On household expenses, such as gas and groceries, 9 percent of consumers expect to spend less next month, up 2 percentage points from October.
- Consumers also plan to spend less on household improvements next month, a 2-point increase from October to 49 percent.
- 42 percent of respondents intend to save or invest less in December, up 4 percentage points from last month.