The COVID-19 virus appeared at the end of 2019 in China and spread in just a few months all over the world causing a global pandemic not seen since the Spanish flu that appeared exactly 100 years earlier. In addition to the health problems, it soon became certain that COVID-19 was becoming a global economic problem that did not and will not bypass the Republic of Croatia in both of its main impacts. This paper focuses on one aspect of the consequences of this pandemic and that is the impact of the COVID-19 pandemic on personal consumption in the Republic of Croatia. Along with a more detailed review of the topic, an insight into general information on the pandemic and the crisis caused by it was provided, and finally the causal sequence that conditioned the crisis in the Republic of Croatia with its specific as well as general global problems and consequences. In addition to the problems, attempts to alleviate the crisis in the form of action by the Government of the Republic of Croatia and the institutions of the European Union are also partially analyzed. The focus of the paper is research that was made to offer answers to questions about the consequences of all of the above for the personal consumption of the citizens of the Republic of Croatia in terms of quantity as well as certain conditional changes in that consumption. Personal consumption has a very large share in GDP in most developed countries, including Croatia. For this reason, it is precisely the focus on the consequences of COVID in this aspect that is of considerable interest. Changes in personal consumption habits could be long-term, and will certainly be present as long as the consequences of the problems caused by COVID last. In this aspect, the fact that the most endangered economic branch of tourism in Croatia is overemphasized in the share of GDP is especially problematic for Croatia. Tourism has sunk drastically globally, accounting for 20% of GDP in Croatia, and its failure will have a major impact not only on the budget but also on the personal consumption of a significant part of the population.