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But credit, made attractive by low rates, is a time-tested way to kick-start consumer spending.
VAT was cut from 17.5%to15%5% in November's pre-budget report in an attempt to kick-start consumer spending.
Most commentators saw this as part of an effort to jump start consumer spending.
Renewal of the housing sector is seen as crucial to kick-starting consumer spending and turning around the broader economy.
Start with consumer spending.
David McCorquodale, head of retail at KPMG, said: "Consumers were reluctant to spend too much, too soon until a record-breaking Black Friday helped to kick-start festive spending.
Even low gasoline prices have not kicked consumer spending into higher gear, as previously predicted.
Hopkins spent 56 months in D-block, which is where, of all places, he says his health kick started.
Europewide, consumer spending started to decline only last year.
It is encouraging that consumer spending has started to play a bigger role of late.
Danny Gabay, of City consultancy Fathom, said the coalition's recent measures to kick-start the housing market could tip the balance towards consumer spending.
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