Consumer News: Home insurance costs are climbing — and first-time buyers are feeling the squeeze

New data shows Americans are cutting back elsewhere, not on wellness and what that shift means for your routine (and your wallet)

• Self-care isnt optional anymore: Many Americans are prioritizing beauty and wellness routines even if it means cutting back on essentials like groceries or delaying other expenses.

• Spending habits are shifting, not disappearing: Instead of giving up treatments, consumers are spacing out appointments, choosing more affordable options, and turning to DIY alternatives.

• Its about more than looks: For a growing number of people, beauty and wellness are tied to stress relief, confidence, and overall well-being making them feel worth the cost, even in a tight economy.

For many Americans, beauty and wellness routines are no longer a nice-to-have theyre part of how people cope, stay confident, and manage everyday stress. Even as costs rise and financial pressure builds, consumers arent walking away from self-care. Instead, theyre reshuffling their budgets to make it work.

New data from Zenoti reveals just how far people are willing to go: some are cutting back on groceries, delaying vacations, or even taking on debt to keep up with their routines.

But the bigger trend isnt about overspending its about adaptation. From spacing out appointments to opting for DIY treatments at home, consumers are finding ways to maintain their routines without completely breaking the bank.

ConsumerAffairs spoke with Sudheer Koneru, CEO and Co-founder, at Zenoti to learn more about how this trend is reshaping not just how people spend, but how the entire beauty and wellness industry operates signaling a future where flexibility, affordability, and personalization matter more than ever.

Making sacrifices for a beauty routine

Koneru broke down some of the biggest data points that surprised even the research team. Heres a look at where consumers are making sacrifices for their beauty routines:

• 22% of respondents scaled back on groceries

• 21% delayed medical or dental care

• 28% said theyd cut beauty spending before making major life expenses like home repairs, skipping savings contributions, and putting off vehicle maintenance for the same reason.

That's not reckless behavior, Koneru said. That's a signal. When people protect something this fiercely, it means it's doing something essential for them managing stress, restoring confidence, maintaining a sense of self during uncertain times.

Beauty and wellness have always been about feeling good. Our data just confirms that people know it, even when their budgets don't make it easy.

Impacting credit

Koneru also explained that these trends are affecting how shoppers are using their credit.

Our research found that 41% of consumers used credit cards for beauty and wellness in the past year, and nearly half said they'd be willing to take on debt to maintain their routines if they lost their primary income, Koneru said. That's not impulse spending. That's a considered decision; the same kind people make about rent or health care, and points to a mindset shift where these services are seen as ongoing commitments vs. the occasional treat yourself splurge.

Can you save money?

The short answer: yes.

Zenotis research shows that many consumers (45%) are spacing out their appointments further in an effort to stretch their budgets. Additionally, about 33% are opting for more affordable treatments or options instead of ditching them entirely. Another option: DIY beauty treatments.

Koneru said that there are plenty of ways for consumers to maintain their beauty routines while also being cost-effective.

• Switching from impulse buying to intentional spending

• Switching to more affordable product alternatives going from premium to drugstore brands

• Subscription boxes and at-home tools

The smartest savings often come from better guidance, not just cheaper products, Koneru said. We've seen that consumers who work closely with their provider and use the right retail products to extend the benefits of their services at home actually spend less over time. They stop cycling through products that don't work and start investing in what does. That's a conversation providers should be having at every appointment.

Feeling good isnt a luxury

Koneru says that these findings express something deeper about human perception: feeling good isn't a luxury.

More than three in five people told us that cutting back on beauty and wellness would make them more stressed, less confident, or worse off emotionally, Koneru said. That's not a small thing; it's infrastructure for daily life.

Consumers are now behaving more like long-term planners, adjusting their frequency and spending, but staying committed to maintaining these routines. The broader takeaway for me is that in uncertain times, people don't give up the things that make them feel like themselves. They find creative ways to hold onto them.

The urgent 'bank call' thats draining accounts

• Scammers pose as trusted bank officials and pressure victims to withdraw cash and send it through untraceable methods like Bitcoin.

• They create urgency and coach victims, making it hard for banks to intervene even when it looks suspicious.

• Protect yourself by slowing down, verifying calls directly with your bank, and never moving money based on someone elses instructions.

The scam often starts with a phone call. A scammer pretends to be from your banks fraud department and claims theres suspicious activity on your account. Then they create fake urgency and tell you not to talk to anyone else about it, including bank employees.

The InvestigationsTeam at CBS-13 in Portland, Maine, recently did a fantastic report on this scam. They reported that victims are instructed to go to their bank, withdraw large amounts of cash, and move the money. Theyll often insist on you depositing it into a Bitcoin ATM, or sending it in ways that are nearly impossible to trace.

In some cases, victims have withdrawn $20,000 or more without being stopped.

Whos behind these ?

The people running these are often part of a larger organized fraud operation.

But what really matters isnt who they are, its more about how they present themselves.

Scammers are trained to sound convincing. They often pose as:

• Your banks fraud department
• Law enforcement or government agencies
• Tech support or financial security teams

Why this scam is so effective

This scam works so well because it flips your instincts against you.

• You think youre simply protecting your account.
• Youre told to act quickly, which causes confusion.
• Youre discouraged from asking questions.

Scammers often coach elderly victims on exactly what to say if a bank employee asks about the withdrawal, making it harder for staff to step in.

And because the transaction is technically authorized by you, banks have limited ability to stop it if you insist everything is fine.

Many banks are stepping in to help

The state of Maine introduced legislation in 2025 that allows banks to delay certain transactions made by elderly customers if they suspect they might be part of a scam.

Its a step in the right direction as many financial institutions in the past didnt prevent, or question, a customer from withdrawing large amounts of cash.

Its a fine line between respecting the customers privacy, but still trying to protect them from a scam. Now, many banks are training tellers to spot red flags and build trust with customers, so they can have a private conversation when they feel it might be warranted.

How to protect yourself (and stop this before it starts)

This scam is very preventable, but only if you slow down and take control of the situation.

1. Break the urgency immediately. If someone is pressuring you to act fast, thats your first red flag. Pause. Even waiting 1015 minutes can help you think clearly and break their control.

2. Hang up and verify independently. Never trust a phone call, even if the caller ID looks like its from your bank. Call your bank directly using the number on your debit card or their official website. Do NOT call back the number that contacted you.

3. Be completely honest with your bank. If you go into a branch and something feels off, tell the teller exactly whats happening. If you simply repeat what a scammer told you to say, it limits their ability to intervene.

4. Never move money based on instructions from a caller. This is the biggest rule. No legitimate bank, government agency, or company will ever ask you to:

• Withdraw large amounts of cash
• Deposit money into a Bitcoin ATM
• Buy gift cards to secure your account

If youre asked to do any of these, its 100% a scam.

5. Use built-in protections from your bank.Many banks now offer extra safeguards:

• Set up a trusted contact who can be alerted if something looks suspicious.
• Enable transaction alerts for large withdrawals.
• Ask about fraud flags or temporary holds on unusual activity.

These tools create an extra layer of protection when you might not catch it yourself.

Some analysts say the previous promotion turned out to be costly

By Mark Huffman of ConsumerAffairs

• Red Lobster is bringing back its popular Endless Shrimp promotion for a limited time starting April 20, after strong customer demand.

• The revived deal includes five shrimp dishes four classics plus a new Marry Me Shrimp option and is available for dine-in only.

• The return comes after the promotion previously contributed to major financial losses and the chains 2024 bankruptcy, prompting a more limited, controlled rollout.

Its baaaack!

Red Lobster is once again offering its signature Endless Shrimp promotion, bringing back the fan-favorite deal for a limited time beginning this week as part of its broader turnaround strategy.

The seafood chain said the promotions return follows sustained demand from customers who have continued to ask for the offering, which has been a staple of the brand for more than two decades.

The promotion was discontinued after the chains 2024 bankruptcy, when some business analysts partly blamed the promotion for the restaurants financial problems.

This latest version features five shrimp options, including longtime menu items such as Garlic Shrimp Scampi, Walts Favorite Shrimp, Shrimp Linguine Alfredo, and Parrot Isle Coconut Shrimp, along with a new addition called Marry Me Shrimp, described as shrimp in a tomato cream sauce with a garlic-and-herb topping.

More cautious approach

Unlike previous iterations, the deal is being offered for a limited time and is restricted to dine-in customers only, reflecting a more cautious approach by the company, as it works to balance popularity with profitability.

The promotions return is notable given its role in Red Lobsters recent financial troubles. When Endless Shrimp was made a permanent menu item in 2023, the company underestimated demand and incurred heavy costs, reportedly losing about $11 million in a single quarter.

That misstep may have contributed to Red Lobsters Chapter 11 bankruptcy filing in 2024 and the closure of numerous locations.

Under CEO Damola Adamolekun, the company is now attempting a more disciplined revival of the promotion, positioning it as a limited-time offering designed to drive traffic without repeating past mistakes.

Executives say the move reflects a broader effort to reconnect with customers while stabilizing operations after restructuring. By reintroducing Endless Shrimp in a controlled format, Red Lobster said it is trying to capitalize on nostalgia and demand, while avoiding the financial strain that previously accompanied the deal.

Two Southwest jets came within 500 feet of each other over Nashville

By Mark Huffman of ConsumerAffairs

• Two Southwest Airlines jets came within about 500 feet of each other over Nashville, forcing pilots to take evasive action after a controllers instruction put them on converging paths.

• Both crews received automated collision warnings, with one aircraft climbing and the other descending to avoid disaster.

• The incident is the latest in a string of near-misses and aviation safety scares that have heightened scrutiny of U.S. air traffic control.

A routine weekend over Nashville turned tense in seconds.

Two Southwest Airlines jets one climbing out after takeoff, the other circling for a second landing attempt found themselves converging in the same patch of sky. According to early reports, an air traffic controller had inadvertently directed one aircraft into the flight path of the other. What followed was a textbook demonstration of why modern aviation relies heavily on onboard safety systems.

Cockpit alarms blared. The Traffic Collision Avoidance System (TCAS) issued split-second instructions: one plane climb, the other descend. Pilots reacted immediately. Data later suggested the aircraft passed within roughly 500 feet close enough to qualify as a near midair collision, but far enough to avoid catastrophe.

Passengers likely never grasped just how narrow the margin was. But for aviation regulators, the episode adds to a troubling pattern.

A pattern of close calls

In isolation, the Nashville incident might be dismissed as a rare lapse. But recent months tell a different story.

In July 2025, a Southwest flight departing Burbank made a sudden, dramatic plunge to avoid another aircraft. The maneuver injured two flight attendants and left passengers describing the moment as a free fall, underscoring how violently evasive actions can unfold even when disaster is avoided.

Earlier that year, a Southwest jet approaching Chicago Midway was forced into a last-second go-around when a private jet crossed the runway without authorization, another case where quick pilot response prevented a collision.

And the list goes on: runway incursions, aborted takeoffs, and near misses at major airports have become frequent enough to prompt federal safety summits and renewed calls for better technology and staffing in control towers.

Safety systems and human limits

Aviation experts point out that commercial flying remains extraordinarily safe, in part because of layered safeguards like TCAS. In Nashville, those systems worked exactly as designed, turning a potentially catastrophic error into a close call.

But the underlying issue human error in an increasingly complex airspace remains unresolved. Controllers are managing dense traffic with aging infrastructure, while airlines operate at near-record volumes.

Late last week, the Federal Aviation Administration took proactive action, announcing it would reduce the number of flights in and out of Chicago OHare Airport over the summer, when air travel is expected to surge. The agency said it acted to promote safety and reduce the number of delayed flights.