Retail
May 31, 2019
Discretionary spending patterns have remained surprisingly consistent. Image credit: Montblanc
By Sarah Ramirez
While consumer demographics have become more diverse and customer needs are more varied, individuals' spending habits are largely in line with those seen a few decades ago.
{"ct":"q\/UrZ\/DpLx7KPVSKSZFvHCyo4LA8V84\/Nbqor64hx7mH2OwN8DA40MSOXjThg2RxAja+mTm0+uJAV8hBa+qyaM+2sqz+kF8ITT8cnxSUkaTidKwFZeFIwQcCswAbf7FGWtqdSSDotWFz9xaQw\/rYCxViSCrK6LsO6HifM0Di99FBXJpcPM8A3J8kE0TAVDxzI4a8vz9a2cTBrc8Cekix3BNReqiZuF+kgG2+jdTa\/GDld+w0SsKcKGYzStWyBj0A\/m+gGG1PfGVWyeKiG36rSvi1AodY9Q09f0F1OMw\/83ZPzxtpXyjAIVmMC1SwWJgBpUDGyjwADyO0B9rhlBQUNfdPLRiAbub\/tG8tQX5KO40iUykDByl1C8DkDXy1C1VT2Q3qqg7eKLCmLg\/SaR8IQSjI9wYo2rc2QBsaRiGWGJ9fHHBcXwgNB\/Gb4ifzykn1VrJll3lOl+QzLX7T4bzaHxiFRuP2wXyP4dHyW1stEQ8D5NLtQgCli3YKXgaSaBrOuLergZpXaQmVtCUXd2Z39UDQYkCMYmVIW7uKmglvPkX4pA8emuZViCln1JnNU1qzrWpRLwBM5ClLS3tjXsjsnV\/yNt22Y1ZjPFibdSCVUdOBpcegMUrYg3fA8i3Ktc3SJpMWAXtbmnE92jtiCQo5rUIeFPm0toR2WZRqsoVYG72sDBaMOzfB7EfoV6UlQHMAJJ8FanYd4iy8hE1YGRWCHDd1RjPAh7eOztfXW4KbPrOOfOOm5vqFr01vjPthw+9zqdnL+ifqaDY9MvQrs5jFX4P+uuQ9zwRjLxod8M7mK3w040rp9ah\/pV8xX6xLwiCcdmkcTug33FKJG3AMwkNF5oXH9UwOh6OCoqjc6MpGhyaDeBLInQDDMhMiiIJ1LbZ1oUgvYBcV6BodV0UmH4A7uDeLiXkMN7Oo8HR4v3joHRpN6HXVmxDkVBWA5izZni5\/EZbcoQSyELwmoCVIKZjAVBtuCE\/Ocw4sZpaSGJPM3SZcKAgM1W82UOV+bphj8V7w2pa6UEDPZ6WXcv4e\/8tCWh2RwdWYn\/ihpHiHmxonJ+27QCdx\/J6L2vYhI2RONcKLjne4sdoiRn7T2tIIDfRkX5tXvfscIb8f3hu65oi6tJ7\/ASyXiyf1hdcZOF4mSm+jRpPJiKAMKfi+CxPqOJHAY3Izlcs541e\/zMzi\/5E992aubbc1jjie3N5q5MO+ZHd+osADEQWvVqDQTQZbowVUAWj8jL0Co5vgawTXkbBloNT1IGnBfcnaW6u+4xlCqARYgyfY8Zcdq1C97V7NmZ34qTm+bu+K94TsXIb42D59qgPk7br6GuOLrx5q7yE5ZmRNp9pyJ+5lBiFHmrYLgd38u1gkB1T3cXF4ySxHmehLGyVHZjqlOFwUsskiLWixc0eF\/Z7P+LkVr4YRlsFfMpLHO0ylv4Uh1aSJ7ATpXS8wWSpGt\/9nNMZuaGrtdY0Ral6JZ0dIvFXCBn29e7G2qAriHboRdAdO1tSmFIKljjLhnpYV7MfLKczgtjf8sQa+ygcufPQs6Id1A9Grm2V1V9CrUodoWSQNu30tl717p7m6qzJzA6SuBTHYFn+1KuSyyVf+NBknTnZ9+0RKVvuXuC1DvhLMqSrB1qrLp92z+C8o4wy5e80RadR4TT6PEt1Ao1cNtdxEZlWo23NCLBB1+6wnYRckDc+6PPOLMJgx+0Kk6K5j6B2mi4CvFoMgvN2Ii6eBj8nP6ordcF38H+6VGflaLajZtMmOyygAjL7fYurLFje60Yrmzf8guBo5xfxe1uSjo21RuM+IdSRB4t38q7KvE4qmLrXVz1uQW+53XNvBkLIhop7CJXurz52HkDp6Wmxaf896zL1x0t9bsnXwpNeofQpqC75m\/KnKOOqlmO\/E6RJAg2IRxepZ3lFjtO7w1mvTj34Z7ZCAKiaEFmwezL\/P9IPmr6U3QJ0X3+oJvZAxskduag7xHTli8K3z0haxk1Aj1s3T6LqokmLUDFga6VaAlHD7dXLidGabLBUhvKNm86Rq7rDSzKltJMzrMAmlErsq\/L+gAFYQa2icaC0mG1OJEt85wkDFkHT2GBnDaloAPJvzJGx9mSEzKiU171x87I\/79L6nodfe7OiUxa6OlLzQNpvg8CPBFmRsSt3CPBXL8z+kZUm9eNtEfninBa6mTSA+9z02\/hHg0h+YY7K3KGngWt\/1aaT1GLyHgK\/7BuoyT9EvntQu4Gaxg\/XPX+5HYXw55176N1FnoEF9MAObyE5XekdUlKNFqf2gPRL45QcWaYWN\/oCqFI7lGkTWpW9QRxRp10ICwN4n28OoWZqG1hy7I6B5SCPeKu5kzee7IpfrzNGoWVgiubnJKg9dQW3yYbXkoqmk5OX7i9NOXlnDQHJ0+bG6\/ql7pw1VKLS3fOAAB7uS5aSzo7P\/fmTW1L6Unbn5HgEk5aA\/+9A0JK\/N6+cVWC8Xrgzu3G3iBZRd4dAo2KGw2g5Vbu2RBNsXuGaIastT9EtV6la3lHDcOWxeCze1g+0oTJR+XizW17cHDeNqrd+cIgKrQk\/yBIB1eh5SblbwuHJFUm84sUZJZT4jNns81Zsp51xZuvcLAlWF04x+uDqxk+Pg4VQGOFEb\/M3\/YS9o3uQCXdJouhq8wH\/m\/Ld3sJf5p5w3z2URBE4Xe9ZOiGH0t\/BvtiQS2ZaZaXh8j89cFSdKmeneAPTI9a3byfvGck08pCEEDUVHN5zE6qLhoOv+R7B24BmX2GOVS6K\/1GOfakYCL90FGbpbOtIE0zHT2T0Z9p+aBlXtKTMufBjCB7IahsnUU7cb9wUGUPfbr45MazJ0IREO7pVq5\/0kzy44o4p7OJexENfejtXbhmaW93gXEM6hUKNU8MllGpeg344auw38\/FHz8h228k7HulbuxYFviOiOueHmq1BRwt0oE4BaJaxsUHk4MiRaR99VO8cEeDCjSPz0NFrLlLHw2+tsUks08WgyunrCOAIdg0hzvekN+3fxOLOUw2tlNifQPCx5L5akjiektWL5IDQdrVhuEBWFY\/gqpgKb9vp1d1WrS4iTOg\/Gz+J2+saw2QdermYa4\/\/BD+UXfl1u0wxvq+JT4K8mpLLv4NOVCmDB5+e8UjQZ7PT+73\/rZgyrj+AVplM9Bo3E7vV6BArwwwhrHCHl1x0IS7o8pkL\/sXaR5AYw+X0IhdiLraCMn94e\/DveRDjnCO228Zm2IdeQ00DLYxkeC+cjWPt9mcU+Bpz3axf+fN60iLFV9\/HICNzY6nMc4H6KLHYeDuG7UePFOWYhoA\/TsIZR7M27Y0VVfR50os0zZuX+RmymLeCGyGoDofid2ydADLDsKjmmzdrXJ8QyJffBq2rmZfe3r4tSTu+GmU+cOKQAg75HL\/Kh4w5MWw7T34IBFWnrZ5t\/P\/cQyvJRC8CR7cA90zsOfthMxNIDe93Lxz1iNZxh+7Wa\/9B\/vRpwxOdKZCMlRGpPZF0oQdOvnd4pM4R9402hhHGzu\/mjg+Ij9CBuujiVDZiNvlAfYDFnmqxv9Q8tDkNDOlFZ7xUNObM0nU3SHIzns9pIMMuUSaFcN\/tsNZmkQVPk5Ob5nh91kyoaev1cCeb3WlZv0CmEdC69gWhqOzAy34kqFV2HlVqvoN9D9JhykaWs7aVmTLB8GoPC\/i1wMTIUjKJr15LiFPFwQLk5WnDxo7DOMSKWB\/wrJL0\/kuZdaKSdDNsn75CFLS5zxOb5bBq7+fMjEB9sSV8IAvcZJbKqv6LoCVGSzByWD0N8bbWPPNqunjsBC6sTAyaX2rfJtD2gDt6YPjhoLb2Hvw2k8XG5ifHCEkaSp4DfyGG\/HJ2t3YR0wnL9PvkrgrsfqCiAQWQIXcm6wHFlrFoJA17F2hS22KQlx+1D7zE2BMNATIRdarOH8xfbfFJkC41p6GCYk2VF0eVcF83FkU5lLOzbG\/wYs1afaQ+lXmaFP7B9DOLRNXmKQ\/tFu62LJO9sIp2Q4hHQklKH3uJiR9t63AbNv46hqKechz9nByU4tG7DZW1zJexqhDknds4Fe6f6SLKZZ8D3dottD\/JIxeo93O+8KMkrkFBp5epYmhhjJueLBsRrxYV4uaRAjcUch6QFENjWHgqxeaxKbTh+pmsoOWrzA4oFXXVKPwxBJEvEPjwb1sX9lI5Y8LXYHRy7RBgBFAV\/S+Ij0pOt0xALVL0Fc3x83acs4DnflNdLYfV4o6QXpJIgpsbmMDIHcZLu+twvM1JLSVNxgLHCHglTlLi6Ob8M4ollf+YmgPafF1tzB7GEz9UOGt9WtQjEci0IEzsH17xUr0nyZlZ0I+EKNxMKcg4dIWAXBNGtW6Sz80tD1AVS9E7dtReS5nzjpEzT5ohoqAkSng0ZfPGlSNrYN7zeLGrMazCc3PsdPCUAEBd1ZKlyg5cTjn8FcvA1OsAXI8zWY7xo9PuMY2LM8l2pPM+dDoUweN9asevg9ybklS9bFv61WXERfZLINNsgKA9ENiAw611ciBovhHvkvVRHOnow4FeZaYJi3y33f6s9MSClA8Iyq719DR8F2ihq6GAEv9uA7wLGh8FYest5\/d3\/QHvott9Xef0ent2tV2+1JmNGmgVh9b1pHqH9vCQa9Kth6POLYYJfPutLgX9\/mJmNxISaZbr0KHaiieAJImSjXYl3IKz9dxLW8kv4rrv1Y5KdFkgjCYP8C0fgQmHLcRUSlydITiirs1A+J0GfyjD\/zMAMXXSJR9uQz6BVIecDrM7Flp5DgadRr1+P57gI\/bFzKwL\/I3ZVSXPblG8K8EoyP8HMcXyjFbBtOyVaAo6qVhSz+NjzISwB+wY\/7boFyQHhx9riJpc0+uLkzuwojtBkdzCCLQJi5YRi0vtxW0N8j+oFjpETHKG3JwkaaRLl59\/38Y3UhaDUfVCjNGNUHDZvSu2eTte1M95UgxQcwImlb8LTEXdSJvtohK\/14DEzNWF3xJeLok8MwCJSt7O8PU2zs3jcZRUbMJ\/OVNa1R5wLlZ5r1tdZ8mlsYXEVOSrDIJnrCB\/806G1CFHnNFA8PNPV1HRhL3cILMloBGbyiW4RQkrtD5tSEUCl0NfNlHMvDjs2uM7iNsPAfJ4A1vkNBzvA8FxO8UQ6IEZ1QETg+bZwkOy1uB1I7KWcg7xwl244gQt2D\/9tomnz9RDYW3S0CTRCozK5Tx2kig1Idj\/7AsxO93QXoBWsHabkOo+OSSZ9bu3xf+aGz4WQD\/HZj3rAVEHR\/0DSIB\/ChyJxSJ\/xVgiTGav9Hhui+AICKf4Moanp4M5QJ4AetOwF6p2EqegFCO3aHV5YT8oxglBU3aLmbihuYKGYhP3G2IzdLxE\/HwSSPNSGL2zx1b8KO+0p3urASIN9ssyNyLxx3wU+9hScbC0ACZx13ifxacgY0AiVSgFzberRLDoJ0D9L6eqRDRQ6As+5qB611vas+aIxopDWttCa8cSrgGKi9VYa\/bLA\/DBp5ryEhrtgEQlJUzaimjrrq9ADwtDwutT0cb5BPs7U4n+5c400r3vRUV0OFj5EAkBGs+n\/ZtsoU3+Y3i6K\/lYvz935ZdpDAokx4p6\/\/jwnNWxO5VtO28TZ+ejSDiHsLU+SxKzrgZfMbWFF+oMWrrVeM13VfM9IV5adWAIA1NznGArLWos4p+JamAazaqt\/AcTlg82SeVnmLV5WItQPhfiIGq0Q8JMYWDXBVD48b2okmOxV\/ax8FWBUWJhn2h4t7rnqjrC4rhgmfd69L\/c2Q4gjOpZpNbeF1fP31jP\/w6aMZlfQaD5BWwByunqOqSTJlHWnsbiaO7akc3GQrkQesdyxx1i106fwtXLqeRl8K79rm3afMHuBoqXeqE4TDDjFGzEGCLtIZdcDV7fgdlT0o2+xWVsxIRdFdyn0MGeLe83cwZvgqqCifRbX5jhRs7Y+pJBVpawmh5SdHksI+ZhlF0fCNAVnp2jFpQHYNqU9PAQH3im28sFtcmI1\/jbAvlbNwlJOiN5ASOPuts1TCLLVUznKYilWmz8j3vV3Qor4ZJBlAzThgMtJD+wDYki32YT\/X58tc6Ic0GzjZq9\/G7DBfYyjuFJ09pi67NmB+0dnivZGa7hLnCT2LdrMEx5JQIHr71FP9sMx77urv8\/pKYgeCIhLAlUhvVN5iJ8fx0DOHuhZBlLfTLMF2vloMEXFeeVyoXIkJwUOkJNpH4oLAtr2Vr7x3M5113nNqp5uk8fyQXonNcw610Xvbyyy3MrMmMDVc8QIthSgIUktFje\/4jqevJX8BJatc1rh7gRz+3\/6O\/ya2lLd7tR7Xwm78VXa68YnJYURUd41U8E681w7Yxg\/xJ24+0TiBPrm7B+\/zHefDGowYCZlb83KAjHVB8gOhV9biXSwQC8pVbM55\/9iqvL9JYop6HYvfdewUts6wjF1EhIn\/2X52cBWxZcSjDP9ES7XydEMeXwPe5bs5lVwb9RgCvjZBjhDMOKtva0x4BVNf7XBXxeohxSJPDy\/CcMJVNkopbJnA92OFv9aWdl4JRQM6j5vcvU3hE4ErWE0AY\/TTDEjgY9VwnedqMQTt6t0AvW7WdQczoeBCpq2aCuIf+HiWRFsR+qUArjKT80Q7rjYVm1OsOkOBxBemTt3Inuo3tfKQLYLDn5eJOUFb901DcnbsgRYk9n6jAIukzq8qRjKhkJXZfEwJ83ZzbtYGKw9iTseVq8h5LVhQ8Ti03Re5xE024hTQc2lbWySJnx7i6VSJaOTOdLUF8H1OaiWl9Z0hBwxiznGEEt7GH38rTRTNjHYQ8l79nA6jRlQUT2bYi2goLJLp+pTNoquY8xh+LzVaHyBk2D2Iv2XzSfVkjf+kAtCVr8Jeq+IxtTtx2t0pGHzCU9DMHCAvGdZHo0bSjKEjG7UurRpzw0NRlMOkE0Gsnez4UvGA75LqM4sTEfKbLjt2xNeocLA3UhXW9\/K7Z\/kIUbeESC3LFR6oIMtQVxa6BjkHJmT8zc6dT14bjK\/ug\/bUy25UbpvLsSCzaihr99zrinz+dLORjWWXt2ElCdcANgPz07YvIF3ZNdt0dqEDWalm5yWv4v5uABbEY+aqVrHLVBRUr0i5TnaCh60x23YsTpbHovb5HR+mQJ1GxpebEyX2XXkyeiSbtisXyERU4HuboukXEQ9Cgltu4q93nqGlsq0lAibrlnKQYQkVWhbKgCAK9m2jgYva05WlJmcn4iHHMMXsdYQ3E7widC3zZP7wbPtzs3k2\/XBtvwPRHGT9J6IvdtTqG7+lqAKbZMbUxe7HMIl4PsSQl2TX+xm3gsjfRaSHPNPrzu26aEOHX6Of7SmnUzJEarmEabxQf6XHVKtfQ+lwkEZmVWw2UPD1yW9nyOFysVzAlW5w9cDcYxP1rW13d\/sHQDIAjKG1tYB72yvgBgi709CztY0exreTFkjbQM+uENR\/BbV7qfKn8TZzhmBZQSyFLQSz6zu41yUWJ0YJjqiyXWQ01ny5bhYqIPwzMy2xTSlgVYLKz0rBIx+4CyCfbJ7xuOUiZKvbuLbZHUfPSUGAlkkVLWj\/7ZEkRPz1XiXulzPJy0rXOIIhFTqrx9v42dA6WJo018lQpYIOldEehRQ1nR4j6uC1ANms+W7EYw3PZNf\/jso3dkDX\/Vwjip8wEGyyiwAzg194Z7T0KWh\/M9slHqe69Ky454wswbwphEXOETL5WwVF2JJYkDMrhEfPoWKuj3lGTMQM1eeor9UIrAn+cuFVT\/6WsEp\/IL8X5+XtMcP8G\/xpnzaT60nwkppiCnoIXhMZQha1N1jZS25KkSKhWu+4fGX7moihmKPCphtbKoxwLwewQkwb+rwVUYfTZSZM2NjeWFiYvKCF7ufEU2S0RoshsrFlFYR\/NiI1lnOaCtWK4iWy3vHdPXdXelfS43h9+zS8MCDedBWjP5icaztDNkA6A9Fwkz0oxi1Au7Skkx3hCZlIkL83Hu2QuCv2mAzjksDBSdE+soGwx4UcfF6CybtbOxSC8y+EG+k6PiZHBt6mLXOObLdXVTFQrxpNTlBR1z6WQ+XtdsUxcPP8JkjMvbaNAHuPW7pt+a9jq93wZiEFEoIiVesvWjOofwYe2SHaKXtoHBER+tHiMt42JW0fdhaTybtTaLDcpUjlSaGBNWLuojzKs7fuzbHlMLhrcOGKg\/oPjPThfCAHVVGJPN5aERcIltuewpMD9HNxsZ59ptWE5+cxEm+pSJ+YOIz6dNgcQGr863mRHFrulo4Z5FsP6hJJlnKQXzMyLgO3J6QXjwt\/HPq2Zd5L8HKNTgFuhsmXAPNXhkCKtAnvNkkzEGGCkA+8Kjxd8VXCv2KyC1QhmG\/4iiPVWV\/jL64ZSwUJMEA8qq2Zf3EpYax9y3\/Gj8ee193GATJmpNKmxTgaLhMAtnUo2tEPfWM6Xo3FCbHuqya\/2D2NchS7lISUaGk9DWGYYLkrvsYwEK5lXSZ8FEgSfpRJeJrlM53j2WMH4jsvlSAiAX6MFVvm5DDuFa5j\/QYw6QPnau\/8WUVeburjNeeFPXtncidLXqjblUn3L7df0OBr\/uEq66FVpPLZ8qNZmeb+XjMRglTKjs7s72QmUj1HS5kq8sv0JDDHjM=","iv":"df4480bdda39e665c39add5864c9a597","s":"fb83ee3d9cb89198"}
Share your thoughts. Click here