Consumer spending patterns are influenced by when they receive their income and when they make their monthly housing payments. Spending on non-durable goods and food increases by 30-48% on the day housing payments are made, with smaller increases in the following days. Different income frequencies (weekly, biweekly, monthly) but with the same housing payment timing show similar spending patterns. When households have extra money, they tend to spend less on non-durable goods around the time of their housing payments, especially if housing costs make up a large part of their budget.