Jessica Ramirez

I think it would be marketing at this point.

It's a way to cover up a lot.

So I think that something like this helps give them a positive light that they are trying or maybe they're taking some of those strategies.

Opting out for some items while they're purchasing others and just being extremely edited in the

59% of consumers say they are dipping into savings to cover their everyday expenses.

We've seen buy now, pay later increase.

We've seen credit card debt increase.

Accessories like shoe charms and statement necklaces give consumers a sense of rebellion against a bleaker economic backdrop, says Jessica Ramirez, analyst with the Consumer Collective.

These are often cheaper purchases that add personalization and retailers can cash in.

And in an economy that favors higher earners, Sophia Begg with Morning Consult says, for low-income consumers, buying a small luxury can make you feel a little bit better about an economy that you feel increasingly left out of.

These indulgent purchases also add novelty, says Uma Karmarkar with UC San Diego.

And it's not just apparel.

Everyday luxuries can include gum at the grocery checkout or a fancy chocolate.

I'm Elizabeth Troval for Marketplace.