Trusted by over half a million customers

Our service is rated 'Excellent' on Feefo

Over 2,000 experts ready to help

Understanding seasonal spending on the high street

A busy high street with shoppers

High street spending in the UK has always been closely linked to the calendar. While economic pressures such as the cost-of-living crisis influence how much consumers spend, when they spend continues to follow clear seasonal patterns. But the results may be surprising – just because summer may come with an increased footfall on the high street, it doesn’t necessarily mean that people are spending more.

Understanding how spending rises and falls throughout the year can help retailers, hospitality businesses and service providers plan - from managing stock and staffing levels to keeping cash flow on track.

Spring seasonal trends

After the quieter winter months, high street spending often begins to lift in spring. Barclays’ research shows that consumers typically spend more on clothing, garden centres and food specialists as the days heat up and daylight gets longer. Events such as Mother’s Day and the build‑up to Easter also play their part, supporting footfall on the high street through gifting, dining and specialist food purchases.

Summer seasonal trends

Summer spending is often driven by leisure, hospitality and travel‑related spending, with consumers prioritising experiences and social occasions. High street cafés, restaurants and entertainment venues often benefit from warmer weather and longer evenings.

However, Barclays’ data highlights that travel costs can divert spend away from local high streets, particularly during school holidays. As international and domestic travel expenses rise, some town centre retailers may experience softer footfall, especially in late summer. The data suggests that this can result in uneven performance, where hospitality remains quite resilient while discretionary retail experiences more ups and downs.

UK‑based “staycations” help to balance this out, as they support accommodation providers and local leisure businesses. But overall, summer spending tends to be less predictable than in spring.

Autumn seasonal trends

As summer ends, spending behaviour usually becomes steadier in early autumn. Barclays insights show early autumn is often a time of stabilisation on the high street, as consumers refocus on everyday needs. Categories such as general retail, clothing and services tend to recover as households prepare for the colder months.

Winter and Christmas seasonal trends

The most significant seasonal rise in high street spending occurs in late November and December. Barclays’ data consistently shows that Christmas drives the largest surge in retail and entertainment spending, particularly across clothing, gift categories, food specialists and digital subscriptions.

Hospitality also benefits from seasonal get-togethers, work events and family celebrations. That said, rising costs mean customers are often more selective about where and how they spend, even during the busiest season.

January: the post festive slowdown

January is reliably quiet on the high street after the busy winter season. Following Christmas expenses, many consumers now focus on budgeting and saving. Barclays’ data highlights that many households also use this period to delay any major purchases and reassess their finances.

You may find that retailers often rely on promotions and sales to drive footfall during this quieter period, while hospitality and leisure businesses typically see reduced demand.

A shift toward selective spending

Across all seasons, one clear trend stands out. Seasonal rises in spending still happen, but they’re increasingly targeted. Even when budgets are tight, consumers continue to prioritise areas like wellbeing, health and entertainment.

This selective approach means high street businesses benefit most when they align seasonal offers with customer priorities, rather than relying solely on traditional spending patterns.

What this means for high street businesses

Seasonal trends remain central to high street performance, but the data shows that timing, value and relevance are more important than ever. Businesses that understand when customers are most likely to spend, and what they’re choosing to spend on, are better placed to manage staffing, promotions and stock levels throughout the year.

While economic conditions influence overall confidence, seasonality continues to guide behaviour. Even in challenging conditions, people still respond to key moments in the calendar.

Let's talk

If you run a high street business and would like to know more about what Everywhen can do for you, simply give us a call on 0330 828 1680 or visit our dedicated small business page for more information.

Sources:

https://www.barclayscorporate.com/insights/industry-expertise/uk-consumer-spending-report/#data

https://www.deloitte.com/uk/en/Industries/consumer/research/consumer-tracker/consumer-products-sector.html

Consistent with our policy when giving comment and advice on a non-specific basis, we cannot assume legal responsibility for the accuracy of any particular statement. In the case of specific problems we recommend that professional advice be sought.

diane-caplehorn

Diane Caplehorn

Head of Partnerships – Direct

About Diane

Diane is a respected industry leader with over 25 years' experience within the insurance sector. She works across a wide spectrum of insurance products and policy development, delivery and optimisation for health and beauty, professional risks and martial arts clients, including managing partner relationships helping clients in protecting their businesses. Her areas of expertise within the sector include Micro-SME, Medical Charities.

Diane currently works at Everywhen as Head of Product – Direct. Everywhen combines regional care with national reach, deep sector knowledge and strong insurer relationships to deliver tailored solutions across 55+ schemes. We help our clients navigate everyday and emerging risks with confidence, always and at all times.

She previously worked for 14 years at Gallagher’s as Executive Director.