Barclays just released some interesting figures showing that UK card spending—both debit and credit—took a hit in 2025, marking the first decline since the pandemic era. That's a notable shift in consumer behavior. But here's the twist: people aren't completely tightening their belts. Despite the overall dip, shoppers are still finding room in their budgets for small indulgences and treats. It seems the spending pullback is selective rather than across the board. This pattern suggests consumers are being more cautious with their finances while maintaining some appetite for minor luxury purchases—a delicate balancing act between restraint and occasional rewards.