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American charities have weathered a significant drop in giving this year, and while they're hoping for a holiday miracle, a recent survey shows they will probably see a decrease in year-end generosity.In light of the economic downturn, only 38 percent of Americans say they are more likely to give a charitable gift as a holiday present this year, compared to 49 percent last year, according to a survey conducted by Harris Interactive to be released Monday

Eighty-three percent (83%) of adults say credit cards tempt people to buy things they cannot afford, according to a new Rasmussen Reports national telephone survey

When do you think it is appropriate for stores to start decorating for and promoting the winter holidays? Before Labor Day1%Between Labor Day and Halloween5%Between Halloween and Thanksgiving36%After Thanksgiving54%Never1%Don't Celebrate Holidays1%Don't Know1%Refused to Answer1%Source: Consumer Reports National Research Center

It's worth noting that Americans who plan to spend less don't always do so. The survey found that of those who made a budget for last year's holiday gift buying, 44% spent more than they had intended

The poll also found that 6% of adults still carry holiday debt from last year, unchanged from last year.