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Americans Feel Guilty Splurging on Joyful Things

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When money is tight, 47% of respondents seek lower-cost or free ways to experience joy, while 42% save up before spending. Some make steeper trade-offs: 20% cut back on necessities, and 13% take on debt or use credit.

In the previous three months before the survey, 38% of respondents cut back on dining out, 34% on shopping, 27% on entertainment, 25% on travel, and 21% on their hobbies. People were less willing to sacrifice time with or money spent on loved ones. Just 17% cut back on social time with friends, 11% on spending to help others, and 9% on their pets.

For many Americans, luxury looks less like extravagance and more like breathing room. When asked what counts as luxury today, 56% of respondents said vacations. But that was followed by half of respondents who said having money left after paying bills was a luxury. Around 47% of respondents said being able to save and still enjoy life, and eating out without worrying about the bill were also luxuries.

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