The Central Bank surveyed nearly 4,100 people in July to assess consumer sentiment, including household income and spending, demand for credit, saving capacity and economic expectations.
Among respondents earning UZS 20–30 million a month, 18% said they planned to spend money on travel, 16% on a car and 15% on a home.
Travel ranked first among those earning more than UZS 30 million, with 32% planning to spend on it. Another 30% planned to allocate money to home repairs, 19% to a car, 17% to a home and 15% to family celebrations.
The Central Bank said the shift toward travel, cars and housing as incomes rise reflects greater capacity to spend on major purchases and services rather than everyday necessities.
For respondents earning less than UZS 5 million, home repairs, education, medical treatment and other essential expenses remained the main priorities. Interest in major purchases such as cars, travel and housing was comparatively low.
Among those earning UZS 5–15 million, home repairs, education and other necessities also remained dominant, although the share planning to spend on cars, travel and housing increased with income.
Spending plans also varied by age. People under 30 primarily planned to spend on education and home repairs, but relatively large shares also cited weddings, travel, cars and housing.
The Central Bank said this suggests that major purchases and other long-term investments occupy an important place alongside education in the spending plans of younger people.
Respondents aged 31–50 planned to spend on cars and housing in addition to home repairs, education and medical treatment. Among those aged 51 and older, home repairs and medical treatment remained the main priorities, while spending on weddings was also relatively high. Their interest in travel, cars and electronic devices was lower than among younger respondents.
Overall, respondents expected to increase spending in the coming months on home repairs, education, medical treatment, weddings and cars.
The spending sub-index stood at 77.2 points in the second quarter, down 0.9 points from the first quarter but still at a high level. Some 76% of respondents expected their spending to increase in the future, compared with 77% a year earlier.
