Consumers Turn to Multiple Tools as Inflation Strains Budgets

U.S. households are finding that spending cuts alone offer limited relief as elevated prices absorb more of their monthly budgets. Bureau of Economic Analysis data released on May 28 showed personal spending rose 0.5% in April 2026 while disposable income was virtually flat, pushing the personal savings rate to a four-year low of 2.6%. The squeeze has increased the value of combining added income, bill negotiation and payment tools to manage cash flow.

PYMNTS Intelligence surveyed 2,283 U.S. adults from March 30 to April 9, 2026. It found that 21% used at least two active strategies beyond cutting spending. Among these “Fighting-Back Consumers,” 67% added income sources, 55% negotiated bills and 48% used buy now, pay later. Some 35% rated their approach very or extremely effective, versus 19% of pressure-driven cutback consumers. By May 28, gasoline had topped $4.55 a gallon, adding urgency to broader budget-management strategies.