The document is a monthly consumer snapshot report from January 2014 published by Prosper Discovery. It contains the following key points: 1) Consumer confidence continued to climb in January 2014, with 43.2% of adults feeling confident or very confident about the economy. This is a 20% increase from a year ago and the third consecutive monthly increase. 2) While consumer confidence is rising, practicality in purchases is decreasing slightly. However, consumers still focus on buying only what they need rather than wants. 3) More than a third of consumers are hopeful the economy will rebound to pre-crisis levels, though this is below optimism levels in 2010. Most consumers believe the economic crisis will impact their l

1. Consumer Snapshot
january 2014
www.ProsperDiscovery.com

2. january 2014
sentiment
strategy
state of the
consumer
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future methodology employed in producing the statistics; or the data and estimates represent only the opinion of Prosper and reliance thereon and use thereof shall be at the user’s own risk.
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© 2013, Prosper®

3. sentiment
very confident/confident in chances for a strong economy
{adults 1
8+}
45%
economic sentiment continues to climb in January, with
43.2% confident/very confident in chances for a strong
economy
40%
35%
consumer confidence
43.2%
13 month summary
35.3%
30%
28.3%
current reading represents a 20%+ increase over a year
ago as well as the third consecutive month of increase –
an occurrence last seen in mid-201
2
25%
20%
Source: Monthly Consumer Survey
www.ProsperDiscovery.com
© 2013, Prosper®

4. sentiment
very confident/confident in chances for a strong economy
{adults 1
8+}
60%
50%
consumer confidence
50.5%
43.2%
40%
economic sentiment continues to climb in January, with
43.2% confident/very confident in chances for a strong
economy
13 month summary
35.3%
current reading represents a 20%+ increase over a year
ago as well as the third consecutive month of increase –
an occurrence last seen in mid-201
2
30%
20%
new year, new hope?
10%
consumer confidence currently the most optimistic
headed into the New Year since the “Great Recession”
0%
Jan-07 Jan-08 Jan-09 Jan-10 Jan-11 Jan-12 Jan-13 Jan-14
however, remains below pre-recession Jan-07
Source: Monthly Consumer Survey
www.ProsperDiscovery.com
© 2013, Prosper®

5. strategy
practicality & focus on needs
{adults 1
8+}
60%
55%
an early spring in consumers’
spending steps?
53.7%
50%
45%
49.6%
45.0%
with confidence rising, practicality toward purchasing
(41.8%) slips six points from December (47.9%)
year-over-year, pragmatic purchase intentions down
less dramatically
40%
41.8%
look for thoughtful spending
to continue
35%
nearly half (49.6%) continue to focus on just what
they need when at the store, declining from
December (52.5%) and Jan-1 (53.7%)
3
30%
I have become more practical and realistic in my purchases
I focus more on what I NEED rather than what I WANT
Source: Monthly Consumer Survey
with practicality decreasing, look for consumers
to consider quality, service, experience, etc. when
making purchases
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© 2013, Prosper®

6. state of the consumer
do you think the economy will ever rebound to what it was before the current economic
crisis? {adults 1
8+}
Yes
No
Not sure
Jan-10
More than a third (35.1%) are hopeful for an
1
economic rebound, even with Jan-1 (35.1%), but
below Jan-10 (40.8%)
35.1%
Jan-11
32.3%
Jan-12
Debt Crisis of Aug-1
1
31.6%
Jan-13
Fiscal Cliff Fall-out
35.1%
Jan-14
20%
optimism upticks from 2013, 2012
40.8%
25%
30%
35%
40%
45%
Source: Monthly Consumer Survey
www.ProsperDiscovery.com
© 2013, Prosper®

7. state of the consumer
do you think the current economic crisis will impact your lifestyle over the next 5 years in
any of the following ways? (top 5) {adults 1
8+}
I will try to stick to a budget
I will consider each purchase
more carefully
optimism upticks from 2013, 2012
More than a third (35.1%) are hopeful for an
1
economic rebound, even with Jan-1 (35.1%), but
below Jan-10 (40.8%)
40.3%
38.8%
look for cautious consumers to continue
I will be more price conscious
when buying clothing and
food
37.1%
I will not incur a large credit
card debt
35.5%
I will spend less dining out
while top 5 financial “fixes” have declined compared
to 201 and 2010, 82% indicate that the economy will
2
impact their lifestyle into 201
9
Jan-10
Jan-12
Jan-14
34.6%
two out of five Americans plan to stick to budgets,
consider purchases more carefully
consider this: changes have been made (i.e. not
trying to stick to budgets, already doing so)
0% 10% 20% 30% 40% 50% 60%
Source: Monthly Consumer Survey
www.ProsperDiscovery.com
© 2013, Prosper®

8. thanks
visit ConsumerSnapshot.com access:
______________________to
Consumer Snapshot InsightCenter™
PowerPoint Slides
…and more
Pam Goodfellow
Consumer Insights Director
Prosper Insights & Analytics™
pam@goProsper.com
ProsperDiscovery.com
Messier 82 image source
www.ProsperDiscovery.com
© 2013, Prosper®