Canadian Survey of Consumer Expectations—Fourth Quarter of 2024 https://www.bankofcanada.ca/?p=243705 Perceiving their financial situation is currently deteriorating Expecting their financial situation to deteriorate over the next 12 months Perceiving access to credit is currently harder Expecting access to credit to be harder over the next 12 months Likelihood of missing a debt payment (median probability) Index of financial health Reducing spending in response to interest rate expectations Reducing spending in response to inflation expectations 1-year-ahead spending growth expectations 1-year-ahead inflation expectations 2024Q3 2024Q4 2024Q3 2024Q4 Survey average Share of respondents Probability of losing a job* Probability of voluntarily leaving a job Probability of finding a job Labour market index Private sector workers Public sector workers All workers 1-year-ahead inflation expectations Inflation expectations for each horizon: What do you expect the rate of inflation (deflation) to be? Perceptions about current inflation: What do you think the rate of inflation (deflation) was over the last 12 months? 2-year-ahead inflation expectations Inflation expectations for each horizon: What do you expect the rate of inflation (deflation) to be? Perceptions about current inflation: What do you think the rate of inflation (deflation) was over the last 12 months? 5-year-ahead inflation expectations Inflation expectations for each horizon: What do you expect the rate of inflation (deflation) to be? Perceptions about current inflation: What do you think the rate of inflation (deflation) was over the last 12 months? Perceptions about current inflation Inflation expectations for each horizon: What do you expect the rate of inflation (deflation) to be? Perceptions about current inflation: What do you think the rate of inflation (deflation) was over the last 12 months? Gasoline Food Rent 2.913.032.414.965.225.250.150.150.290.230.211.0338.3446.152.802.910.37-0.510.08-0.05 2.082.912.049.035.434.950.140.110.260.270.200.9739.5745.772.632.080.46-0.55-0.10-0.19 2.512.933.722.035.925.514.940.180.130.260.330.201.1039.3345.582.412.510.28-0.27-1.30-1.29 2.202.753.672.065.065.554.990.100.000.310.300.200.9140.3545.402.452.200.32-0.37-0.08-0.13 2.182.933.622.034.805.244.900.020.060.320.370.190.9439.6344.552.182.180.36-0.50-0.75-0.89 2.492.893.172.085.536.464.84-0.040.000.210.210.200.5845.0348.452.192.490.34-0.51-0.78-0.95 2.092.853.322.045.595.325.200.150.150.340.360.211.2238.0744.602.372.090.35-0.31-0.23-0.19 2.082.763.952.045.115.035.230.220.240.300.330.211.3041.3748.993.032.080.46-0.290.160.33 2.542.943.902.035.064.915.200.160.220.09-0.020.200.6546.3951.512.532.540.39-0.270.190.31 2.442.923.832.065.184.965.060.170.270.190.170.200.9942.1650.022.652.440.40-0.320.120.21 2.202.763.592.055.144.885.590.270.330.170.080.211.0644.4150.742.462.200.40-0.290.200.30 2.082.753.962.014.884.915.400.190.240.110.090.210.8447.2552.142.472.080.43-0.300.230.36 2.232.833.622.035.174.925.240.300.290.130.020.210.9541.7045.382.022.230.44-0.470.160.12 2.713.134.092.435.375.065.350.130.21-0.04-0.070.200.4248.6452.003.442.710.40-0.180.320.54 2.893.324.262.599.185.215.470.110.12-0.05-0.100.140.2349.7554.282.932.890.230.030.240.493.031.782.49 2.933.013.942.455.324.945.350.160.13-0.05-0.060.160.3350.1953.442.192.930.05-0.180.190.062.421.952.14 2.542.983.932.274.744.794.980.160.13-0.08-0.140.090.1547.4650.012.092.54-0.020.150.190.322.731.952.08 2.642.993.972.345.405.135.420.120.120.00-0.010.090.3251.4754.492.172.64-0.02-0.070.180.092.501.892.10 2.572.973.822.109.085.315.530.150.08-0.010.000.090.3248.1251.352.552.57-0.010.070.140.202.341.622.07 2.422.873.912.014.914.865.090.180.110.080.14-0.040.4848.0950.772.542.42-0.040.070.150.172.231.842.08 2.232.913.572.075.004.975.340.120.030.040.060.090.3448.9453.032.232.23-0.050.240.190.392.01 2.492.943.922.104.925.155.410.130.060.070.090.030.3946.8350.522.732.490.000.310.160.472.591.852.10 2.753.013.252.049.487.764.69-0.31-0.40-0.10-0.21-0.01-1.0353.4651.221.962.75-0.71-0.23-0.76-1.701.941.251.92 2.222.953.552.035.245.535.14-0.09-0.16-0.08-0.10-0.08-0.5149.6649.452.092.22-0.46-0.18-0.05-0.691.971.501.89 2.863.003.122.024.865.284.96-0.16-0.08-0.09-0.10-0.02-0.4549.2549.932.142.86-0.45-0.20-0.19-0.842.241.561.97 2.102.993.732.015.325.235.360.010.06-0.010.10-0.060.103.112.10-0.480.09-0.28-0.662.111.291.94 3.073.003.112.215.715.516.920.070.08-0.010.040.000.1949.552.883.07-0.180.10-0.01-0.092.081.712.03 3.723.063.093.015.535.445.460.080.060.050.04-0.170.0747.232.803.72-0.210.320.060.172.151.212.00 4.884.103.544.097.086.329.080.060.010.03-0.07-0.16-0.1450.174.324.88-0.330.350.100.122.361.922.04 5.074.623.235.039.538.559.42-0.02-0.040.01-0.08-0.21-0.3450.534.535.07-0.450.490.160.202.941.842.17 6.825.024.006.069.489.149.59-0.17-0.23-0.12-0.24-0.21-0.9954.1755.154.586.82-0.130.400.160.422.871.582.29 7.115.223.447.965.006.569.19-0.28-0.21-0.25-0.27-0.25-1.2661.4560.414.547.11-0.410.700.200.493.531.722.61 7.185.143.107.945.998.359.32-0.41-0.44-0.33-0.40-0.11-1.6965.7460.104.617.18-0.350.350.170.173.181.562.48 6.014.242.897.115.517.459.17-0.30-0.30-0.35-0.33-0.24-1.5362.7457.894.706.01-0.090.330.190.433.501.702.61 5.093.932.897.025.586.559.19-0.25-0.19-0.24-0.19-0.17-1.0463.4556.434.585.09-0.040.350.150.452.941.972.57 5.034.042.756.605.947.149.51-0.30-0.30-0.32-0.28-0.17-1.3865.3459.064.055.03-0.070.370.110.423.112.022.72 4.923.942.625.905.445.789.29-0.41-0.35-0.37-0.33-0.33-1.8068.7963.113.624.92-0.090.120.060.083.052.242.73 4.923.763.125.255.065.247.94-0.21-0.19-0.23-0.14-0.23-1.0164.1560.503.864.92-0.080.320.090.333.182.342.76 4.093.913.205.245.725.718.79-0.29-0.28-0.28-0.07-0.29-1.2165.9061.633.914.09-0.400.390.050.042.932.742.80 3.843.053.034.825.195.375.98-0.20-0.10-0.19-0.06-0.26-0.8163.3257.553.593.84-0.140.170.060.092.812.402.66 3.052.972.993.894.905.035.72-0.09-0.09-0.070.06-0.52-0.7157.4056.193.353.05-0.470.310.06-0.102.962.242.66 7.5713.55 5.0913.99 6.0614.25 4.7715.14 38.7042.02 59.4056.25 38.29 21.48 17.95 9.66 9.58 9.04 6.58 1.17 42.28 12.92 21.1122.3718.91 10.9913.5211.40 14.2116.0913.64 16.9419.8516.78