Two-thirds of those who shopped during the holiday season said they’re making at least one spending habit change in January, leading with eating out less (47%), followed by delaying discretionary spending (38%). These adjustments were most pronounced among those who overspent, with 59% planning to eat out less and 50% planning to delay discretionary purchases. A quarter of holiday shoppers said they weren’t confident in their financial situation after the holidays, rising to a third among those who went over budget. While shoppers tend to go on a financial diet after a spree, they didn’t cut back on savings, Faye Lucas, head of consumer trust at Koho, said in an interview. The survey was conducted from September 2025 to January 2026.