Black Friday is by far the most spend-happy shopping day in the United States. Last year, almost 200 million people shopped online or in stores — that’s over half of the U.S. population. And it’s not expected to lose any steam this year: The total projected spending for Black Friday shopping is around $80 billion, and Adobe projects online Black Friday sales alone will reach about $11.7 billion, up 8% from last year. Overall, U.S. holiday spending is forecast to reach approximately $1 trillion for the first time ever, with over a quarter ($250 billion) of that coming from online shopping.

Source: NRF | Source: Omnisend
But there’s a subtle, revealing trend line toward frugality beneath those surface-level numbers. On the whole, consumers plan to spend less this holiday season — about 5% less year over year — with the average shopper expected to drop roughly $1,595, a 10% decline from 2024. Nearly 84% say they’ll cut back over the next six months, blaming higher prices, tariffs, and a still-expensive cost of living. Gen Z, of course, is feeling it most: They expect to slash spending by 23%, the sharpest pullback of any generation. But still, even as wallets tighten, many shoppers are finding new ways to stretch them — BNPL transactions, for example, are set to fund roughly $20 billion in purchases across the full holiday season (Nov. 1 to Dec. 31), up 11% from last year.
The deals themselves will still be aggressive — average discounts are holding steady around 28%, on par with 2024 — but the psychology is shifting. More than three-quarters of shoppers are hunting for cheaper alternatives, 33% plan to use generative AI to find them, and 70% say they’re juggling three or more deal-seeking tactics.
Yes. Origin offers partner access so you can manage your finances together at no additional cost. You’ll be able to filter transactions by member—making it easy to see which spending is yours and which belongs to your partner.
Yes. You can edit existing transactions and add new ones directly in Origin, so your records stay accurate and personalized.
Origin connects securely through trusted partners including Plaid, MX, and Mastercard.
Yes. Origin supports CSV uploads. You can upload a .csv file of your transactions, and we’ll import them into your account.
Yes. Your data is protected with bank-level security and advanced encryption. When you connect accounts through Origin, your login credentials are never shared with us. Instead, our partners generate secure tokens that let Origin access only the data you authorize—keeping your personal information private while enabling personalized insights.
Yes. You have full control to organize your spending in Origin. Transactions are automatically categorized by Origin, but you can always edit categories, add your own tags, and filter transactions however you like—so your spending reflects the way you actually manage money.