This not a good chart for the U.S. consumer or the broader economy at large! Personal consumption is increasing while savings and disposal income is taking a nosedive. In 2013, total spending increased by 3.1 percent, while the savings rate decrease to 4.5 percent. People were dipping more into their savings to fuel spending habits. Personal incomes are continuing to remain flat. If this trend continues on to 2014, consumer sentiment will take a hit. If savings are down people will be very conscience about their purchasing habits.