What divides people most in Money & Shopping?

Money & Shopping holds 21 subjects on this site, with 0 counted ballots between them in the 30 days to 14 Sept 2026. None of them has a reading yet. A reading is published at 10 counted ballots in the last 30 days. Open online vote, self-selected, not a poll.

16 Aug 2026 to 14 Sept 2026 · model v1.0 · 31 outside measurements on file

Most divided first

Ordered by 2 × the smaller of the celebrate and hate shares, which is the board’s own Most divided key. A rank is printed at 100 counted ballots and not before, and two subjects whose counting intervals overlap share one, prefixed “=”.

Nothing in Money & Shopping has a reading yet, so there is no order to put these in. Every subject is listed below with its count.

No reading yet

These have no reading yet, so no shares, no score and no rank are published for them. A reading is published at 10 counted ballots in the last 30 days.

Auto-Renewing Subscriptions
No counted ballots yet, yours would be the first
Black Friday
No counted ballots yet, yours would be the first
Buy Now, Pay Later
No counted ballots yet, yours would be the first
Card Surcharges
No counted ballots yet, yours would be the first
Coupons
No counted ballots yet, yours would be the first
Gift Cards
No counted ballots yet, yours would be the first
Leaving No Tip for Bad Service
No counted ballots yet, yours would be the first
Loyalty Cards
No counted ballots yet, yours would be the first
No-Tipping Restaurants
No counted ballots yet, yours would be the first
Paying Someone to Swap Plane Seats
No counted ballots yet, yours would be the first
Paying with Cash
No counted ballots yet, yours would be the first
Restaurant Cancellation Fees
No counted ballots yet, yours would be the first
Retail Therapy
No counted ballots yet, yours would be the first
Secondhand Shopping
No counted ballots yet, yours would be the first
Store Credit Cards
No counted ballots yet, yours would be the first
Subscribing to Watch One Show
No counted ballots yet, yours would be the first
The 20% Tip
No counted ballots yet, yours would be the first
The Penny
No counted ballots yet, yours would be the first
Tipping at the Coffee Counter
No counted ballots yet, yours would be the first
Tipping for a Bottled Beer
No counted ballots yet, yours would be the first
Tipping Prompts on Card Readers
No counted ballots yet, yours would be the first

Outside measurements in Money & Shopping

31 dated measurements published by somebody else about 21 of these subjects, newest first. Every row is quoted as its publisher published it, with a link to the source and the date it was read.

Outside measurements of subjects in Money & Shopping, newest field end date first.
Subject	Publisher	Field dates	n	Result as published
Buy Now, Pay Later	GallupAccessed 2026-09-14	1 Apr 2026to 15 Apr 2026	1,024	Ten percent of Americans report using installment plans frequently when making purchases online, and another 17% use them occasionally. 51% have used installment plans for online purchases; 48% never have.Asked: How often do you use installment plans (such as buy now, pay later) when making purchases online?
The Penny	YouGovAccessed 2026-09-14	13 Nov 2025to 16 Nov 2025	1,090	40% of Americans somewhat or strongly support elimination, while 39% oppose it. Ending penny production: 46% vs. 27%. Removing pennies from circulation: 34% vs. 42%.Asked: Do you support or oppose eliminating the penny? (asked separately about ending production of new pennies and about removing pennies from circulation)
Store Credit Cards	LendingTreeAccessed 2026-09-14	2 Oct 2025to 6 Oct 2025	2,000	53% of Americans prefer BNPL over store cards (up from 42% the prior year). 59% of Americans currently have a store credit card. 43% are likely to apply for a store card during the 2025 holidays, up 14 points year-over-year. 57% of store cardholders say it is their most-used credit card, up from 46%. 58% of those who have had store cards say they considered the card’s interest rate before applying. LendingTree separately found an average APR of 30.58% on new store credit cards across 103 offers from 70 major retailers, reviewed as of October 21, 2025.Asked: Do you prefer buy now, pay later or a store credit card? Do you have a store credit card, and how likely are you to apply for one this holiday season?
Black Friday	YouGovAccessed 2026-09-14	8 Aug 2025to 18 Aug 2025	1,536	36% report decreased interest, while only 11% say their interest has grown. Women (39%) are more likely than men (33%) to report waning interest; 40% of Gen X and Baby Boomers versus 31% of Gen Z and Millennials report lower enthusiasm. 42% of those who say they are less interested still plan to shop during Black Friday or Cyber Monday.Asked: Compared with previous years, has your interest in Black Friday and Cyber Monday increased, decreased, or stayed the same?
Retail Therapy	LendingTreeAccessed 2026-09-14	2 Jun 2025to 3 Jun 2025	2,000	Nearly half (47%) of consumers engage in retail therapy to improve their mood. 54% of Americans consider retail therapy a form of self-care. 74% of emotional shoppers say it's led them to overspend, and 69% have regretted acting on their emotions in this way.Asked: Do you engage in retail therapy to improve your mood? Do you consider retail therapy a form of self-care? Has emotional shopping led you to overspend or to regret a purchase?
Subscribing to Watch One Show	IpsosAccessed 2026-09-14	8 Apr 2025to 9 Apr 2025	980	Strongly agree 10% / Somewhat agree 28% / Neither agree nor disagree 25% / Somewhat disagree 18% / Strongly disagree 20% / Agree (Net) 38% / Disagree (Net) 38%.Asked: When thinking about streaming services you use, how much do you agree or disagree with the following? — I often subscribe to a channel to watch a specific show and then cancel it (asked of streaming service users; full-wave sample 1,090 U.S. adults)
Buy Now, Pay Later	BankrateAccessed 2026-09-14	19 Mar 2025to 21 Mar 2025	2,354	49 percent of users say they experienced at least one problem while using a BNPL service — most commonly overspending (24%), missed payments (16%) and purchase regret (15%). 66 percent of Gen Zers reported experiencing at least one issue while using BNPL — the largest percentage across generations. 57 percent of users chose this payment method to stretch their cash flow.Asked: Have you used a buy now, pay later service, and did you experience any problems while using it?
The Penny	YouGovAccessed 2026-09-14	26 Feb 2025to 28 Feb 2025	1,146	42% of Americans strongly or somewhat support elimination while 30% oppose it.Asked: Do you support or oppose eliminating the penny?
Gift Cards	BankrateAccessed 2026-09-14	19 Aug 2024to 21 Aug 2024	2,373	43% of Americans have at least one unused gift card, voucher or store credit, worth an average of $244 per person, up from $187 in 2023. 20% have let a gift card expire, 17% have lost a gift card and 12% had a store go out of business before they used it.Asked: Do you currently have any unused gift cards, gift vouchers or store credits, and what is their total value? (Note: this measures what happens to gift cards, not whether people like receiving them.)
Leaving No Tip for Bad Service	YouGovAccessed 2026-09-14	6 May 2024to 8 May 2024	1,148	Nothing 30% / 5% — 14% / 10% — 19% / 15% — 15% / 20% — 7% / 25% — 1% / More than 25% — 1% / Not sure 12%.Asked: When paying the bill at a restaurant with table service, about how much would you leave as a tip if you received poor service?
The 20% Tip	YouGovAccessed 2026-09-14	6 May 2024to 8 May 2024	1,148	Nothing 4% / 5% — 8% / 10% — 13% / 15% — 27% / 20% — 35% / 25% — 4% / More than 25% — 2% / Not sure 7%.Asked: When paying the bill at a restaurant with table service, about how much would you leave as a tip if you received average service?
No-Tipping Restaurants	BankrateAccessed 2026-09-14	29 Apr 2024to 1 May 2024	2,445	41 percent feel businesses should pay employees better rather than relying on tips (up from 37 percent). 16 percent would pay higher prices to eliminate tipping (up from 14 percent).Asked: Which, if any, of the following do you feel about tipping? (agree/disagree battery of negative views about tipping)
Tipping Prompts on Card Readers	BankrateAccessed 2026-09-14	29 Apr 2024to 1 May 2024	2,445	38 percent express annoyance with pre-entered tip screens (up from 34 percent last year). 27 percent say they tip less or not at all when presented with a pre-entered tip screen (up from 25 percent last year), compared with 11 percent who say they tip more in these scenarios (down from 14 percent last year).Asked: Which, if any, of the following do you feel about tipping? (list of negative views, including annoyance at pre-entered tip screens); and: how do you respond when presented with a pre-entered tip screen?
Paying Someone to Swap Plane Seats	YouGovAccessed 2026-09-14	24 Apr 2024to 24 Apr 2024	700	The promise of compensation, such as money, sways slightly fewer travelers, with 54% overall willing to switch for an incentive — compared with 75% for a younger family member, 72% for a better seat, 66% for a spouse or partner and 52% for a friend. A minority (4%) of travelers say they would not switch seats under any circumstances.Asked: Would you be willing to switch airplane seats when asked, for each of the following reasons?
Leaving No Tip for Bad Service	YouGovAccessed 2026-09-14	1 Apr 2024to 8 Apr 2024	1,042	Acceptable 51% / Unacceptable 31% / Not sure 17%.Asked: Do you think it is generally acceptable or unacceptable for someone dining at a restaurant to do the following? — Leave zero tip after receiving bad service
Restaurant Cancellation Fees	YouGovAccessed 2026-09-14	1 Apr 2024to 8 Apr 2024	1,042	Acceptable 53% / Unacceptable 30% / Not sure 17%.Asked: Do you think it is acceptable or unacceptable for a restaurant to do the following? — Charge a cancellation fee for reservations not honored
Secondhand Shopping	IpsosAccessed 2026-09-14	19 Mar 2024to 20 Mar 2024	1,120	53% of Americans say they are interested in buying more items secondhand or thrifted. By age: Ages 18-34 64% / Ages 35-49 59% / Ages 50-64 47% / Ages 65+ 38%.Asked: Thinking about your shopping experiences (for both food and non-grocery products) today, to what extent do you agree or disagree with the following statements? — I'm interested in buying more items secondhand or thrifted
The 20% Tip	Pew Research CenterAccessed 2026-09-14	7 Aug 2023to 27 Aug 2023	11,945	In this situation, a majority of Americans (57%) say they would tip 15% or less, including 2% who wouldn't leave a tip at all. Another 12% of adults say they would leave a tip of 18%, while a quarter say they would tip 20% or more.Asked: Thinking about a hypothetical sit-down meal where the food and service were both average, but not exceptional, what percentage of the bill, if any, would you tip?
Tipping at the Coffee Counter	Pew Research CenterAccessed 2026-09-14	7 Aug 2023to 27 Aug 2023	11,945	Only a quarter of Americans who buy coffee or other beverages at a coffee shop say they always or often tip in this situation.Asked: Among those who use each kind of service, do you always, often, sometimes, rarely or never leave a tip when buying coffee or another beverage at a coffee shop?
Tipping Prompts on Card Readers	Pew Research CenterAccessed 2026-09-14	7 Aug 2023to 27 Aug 2023	11,945	More Americans oppose (40%) than favor (24%) businesses suggesting tip amounts.Asked: Do you favor or oppose businesses suggesting tip amounts to customers?
Card Surcharges	LendingTreeAccessed 2026-09-14	1 Aug 2023to 4 Aug 2023	2,050	57% of cardholders think charging consumers processing fees should be illegal — that includes 63% of women and 62% of Gen Xers. 50% want swipe fees included in pricing, 24% favor a separate surcharge and 26% are indifferent.Asked: Should charging consumers a credit card processing fee be illegal? And: would you rather businesses build processing fees into their prices or apply a separate surcharge?
Tipping at the Coffee Counter	YouGovAccessed 2026-09-14	8 May 2023to 11 May 2023	1,000	Yes, it is necessary 31% / No, it is not necessary 51% / Don't know 17%.Asked: Would you say a tip is necessary in this instance? — If someone orders a drip coffee from a coffee shop
Tipping for a Bottled Beer	YouGovAccessed 2026-09-14	8 May 2023to 11 May 2023	1,000	Yes, it is necessary 45% / No, it is not necessary 41% / Don't know 14%.Asked: Would you say a tip is necessary in this instance? — If someone orders a bottled or canned beer from a bartender
No-Tipping Restaurants	YouGovAccessed 2026-09-14	16 Aug 2022to 19 Aug 2022	1,000	Would prefer to do things this way 56% / Would prefer not to do things this way 25% / Not sure 19%.Asked: The following is something that is common in other parts of the world, but less common or doesn't happen at all in the United States. Please say whether or not you would prefer the U.S. do things in this other way. — Wait staff are paid a higher minimum wage that means you are not expected to tip them
Paying with Cash	GallupAccessed 2026-09-14	5 Jul 2022to 26 Jul 2022	1,013	45% of U.S. adults say they would be 'upset' if the U.S. becomes a cashless society, versus 9% who say they would be 'happy' if that occurred, and 46% say they would have neither reaction. 13% say they use cash for most purchases; 28% did five years ago. Six in 10 now say they make 'only a few' or no purchases with cash today.Asked: Would you be happy, upset, or would you have neither reaction if the United States became a cashless society? And: do you use cash for all, most, only a few, or no purchases?
Paying with Cash	Pew Research CenterAccessed 2026-09-14	5 Jul 2022to 17 Jul 2022	6,034	About six-in-ten adults (58%) say they try to make sure they always have cash on hand, while 42% say they do not really worry much about whether they have cash with them. 41% say none of their purchases in a typical week use cash, up from 29% in 2018; 14% say all or almost all of their purchases use cash, down from 24% in 2015.Asked: In a typical week, how many of your purchases do you make using cash? And: do you try to make sure you always have cash on hand, or do you not really worry much about whether you have cash with you?
Loyalty Cards	LendingTreeAccessed 2026-09-14	10 Jun 2022to 14 Jun 2022	2,082	Half of consumers say that retail, food and other loyalty programs are more important than ever. More than half of loyalty program members (52%) say they'd leave the program if the rewards weren't worth it. But only 41% say a data breach would cause them to end their membership. 50% of loyalty program members say they signed up at the checkout counter, while 61% enrolled via brand websites; women showed higher in-person registration rates at 57%, compared to 42% of men.Asked: Are loyalty programs more important than ever? What would make you leave one, and where did you sign up?
Auto-Renewing Subscriptions	BankrateAccessed 2026-09-14	12 Jan 2022to 14 Jan 2022	2,497	More than half of U.S. adults (51%) who have ever had a subscription or membership account have incurred unwanted charges. Millennials, ages 26-41 (58%) and Gen Zers, ages 18-25 (57%) have had this happen the most, well ahead of Gen Xers, ages 42-57 (48%) and baby boomers, ages 58-76 (45%). Over a third of U.S. adults (34%) who have had a subscription/membership account say it's difficult to cancel or turn off automatic payments for subscriptions or memberships. That includes 10% who say it's very difficult.Asked: Have you ever incurred unwanted charges on a subscription or membership account — for example a free trial that became a paid subscription without your permission or knowledge, accidentally signing up, or forgetting you had signed up? And how difficult is it to cancel?
Loyalty Cards	YouGovAccessed 2026-09-14	19 Apr 2021to 19 Apr 2021	1,200	More than half of the U.S. respondents said they feel more emotionally connected to a brand when they are a member of its loyalty program (53%) — the share who said this in 2021 has increased since 2019 (46%).Asked: Do you feel more emotionally connected to a brand when you are a member of its loyalty program?
Coupons	YouGovAccessed 2026-09-14	6 Oct 2017to 9 Oct 2017	1,088	Yes, more than once 41% / Yes, but only once 12% / No, I have not 34% / Don’t know or can’t recall 13%. YouGov summarised this as: over half of Americans will buy something they don’t need just because they had a coupon for it (53%).Asked: ZYC_q4. Have you ever purchased something specifically because you had a coupon for it, even though you didn't need the item you purchased? Please select the option that best applies. (base: all US adults who look for coupons, unweighted 869)
Black Friday	YouGovAccessed 2026-09-14	16 Nov 2016to 17 Nov 2016	2,058	Definitely part of the season 13% / Somewhat part of the season 18% / Neither a part nor a distraction 17% / Somewhat of a distraction 15% / Definitely a distraction 28% / Don't know 8%. Net: Part of 31%; Net: Distraction 44%.Asked: For the following questions by 'Holiday Season' we mean the period of time from Thanksgiving until New Year, including such festivals as Christmas, Hanukkah, and Kwanzaa, etc. To what extent do you believe that Black Friday and Cyber Monday are part of the Holiday Season or a distraction from what the Holiday Season should be about?

None of these rows is this site’s finding, and none of them is comparable with another. Each is a one-shot measurement by its publisher, on its own question, with its own method, in its own field window. They are gathered here so they can be found in one place, not because they can be added up. Know a measurement that is missing? Send it →

What Money & Shopping means here

Money & Shopping on this site is Auto-Renewing Subscriptions, Black Friday, Buy Now, Pay Later, Card Surcharges, Coupons, Gift Cards, Leaving No Tip for Bad Service, Loyalty Cards, No-Tipping Restaurants, Paying Someone to Swap Plane Seats, Paying with Cash, Restaurant Cancellation Fees, Retail Therapy, Secondhand Shopping, Store Credit Cards, Subscribing to Watch One Show, The 20% Tip, The Penny, Tipping at the Coffee Counter, Tipping for a Bottled Beer, and Tipping Prompts on Card Readers. That is the whole of it. A subject is in this category because it was added to the pool with that label, so the list is what the site has asked about rather than a survey of everything the words could cover.

What it is not: a ranking of money & shopping in general, a product review, or a measurement of anybody who did not vote here. Every figure above counts ballots cast on this site by visitors who chose to cast them, over the 30 days to 14 Sept 2026. A subject with no counted ballots is still listed, with its zero, because leaving it out would make the page read as though the site had never asked.

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