Many Americans say the the stress of debt will make for a less cheery holiday season this year.
In an Associated Press-GFK poll, 93 percent of respondents say they will spend less or about the same as last year.
Half of the respondents say they're suffering at least some debt-related stress and 22 percent say they're feeling it greatly or quite a bit.
That number is up from 17 percent just last spring.
Unemployment has rocketed past 10 percent, making it harder for some to pay monthly bills. Home foreclosures have spiked and defaults on credit cards are rising.
Eighty percent of those polled say they'll use mostly cash to pay for their holiday shopping.