According to a recent holiday survey by Quotient Technology Inc., 52 percent of consumers say they are more confident about their personal finances than last year going into 2019, while 25 percent feel the same confidence level as last year, and 23 percent are feeling less confident.

The reason for the confidence is attributed to 31 percent saying they have good jobs, followed by 21 percent who already have money saved. Seventeen percent surveyed are buried in student debt, but still many shoppers will be active, and 63 percent say they plan to shop online or mostly online for holiday gifts.

While the holiday season is a time of joy, it can also come with stress. According to the survey, spending too much money (38 percent) is the number one cause of holiday anxiety.