Experts say do not expect a banner year for holiday shopping.
An annual consumer survey shows a growing number of Americans plan to cut way back.
A new survey found 1/3 of Aericans plan to spend less money holiday shopping this year than last year.
It shows some Americans are under more financial stress this year and are worried about debt.
Last year, gasoline and natural gas prices held people back.
This year, energy expenses came second to simply making ends meet. Bill Hampel of the Credit Union National Association says, "The strongest negative influence on spending plans this year is just general household expenses. Suggesting, as we know, that an awful lot of people in this country live paycheck to paycheck."
To avoid overspending, experts say: shop with a list and a limit.
Comparison shop, and next year plan ahead by opening a Christmas Club account.