Most of us have consistent spending patterns. We dish out more dough at the beginning of the month when our rent, mortgages, loans and utilities are due, and have a bit more play money after payday mid month. It's a cycle retailers are hip to — in fact, marketing teams push particular deals [1] based on broad spending trends.

About 61 percent of SavvySugar readers say the recession has them staying in and spending less [2], but that doesn't mean all our habits are drastically different. I tend to keep my spending and eating out to a minimum during the week (largely because I am busy), which means most of my withdrawals occur on Friday and Saturday. When do you open your wallet most?

Source [3]