With a lagging economy and unemployment on the rise, savvy shoppers will be keeping a close eye on their holiday spending this season. Despite a boost on Black Friday, National Retail Federation is still forecasting U.S. retail industry sales will only increase 2.2 percent in 2008 - the least amount of growth in six years. So it's not surprising that a majority of consumers (54 percent) say they plan to spend less this holiday season than they did last year, according to a new survey commissioned by TrueCredit.com and conducted by Zogby International.