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Discover: Consumer Spending Plans Generally Flat In September



NEW YORK -(Dow Jones)- Consumers are beginning to feel the U.S. economy is improving. But they are still worried about their personal finances, and that concern is limiting spending plans, according to data released Wednesday.

The Discover U.S. Spending Monitor rose for the second straight month, climbing two points in September to 89.

The rise in the Monitor's index is mostly attributed to improved economic sentiment in September, according to the report. In all, 33% of U.S. consumers feel economic conditions are improving, a Monitor high and a two-point increase from August.

Despite the gain in optimism, households aren't feeling the recovery in their own wallets. Fewer than half of consumers expected to have money left over after paying monthly bills. Only 47% expected some extra cash, a point increase from August, said the report.

Tight finances means tight spending plans. The survey showed 19% expect to spend more in the next 30 days, down one point from August; 54% said they planned on spending the same amount, up two points.

"There appears to be no indication consumers are willing to increase their spending, despite a Monitor-high number of them who feel the economy is getting better," said Julie Loeger, senior vice president of brand and product development for Discover.

For retailers now executing their holiday sales plans, the spending intentions are not welcome news. Various retail groups are forecasting spending will be flat or rise only slightly this holiday season.

"Unfortunately, the Monitor is showing no signs that consumer attitudes may change as we head into the holiday shopping season," said Loeger.

The Discover Spending Monitor is an index with a base of May 2007 equals 100. Rasmussen Reports, an independent survey research, contacted 8,200 adults during the month of September.

By Kathleen Madigan, Dow Jones Newswires; 212-416-2466; kathleen.madigan@ dowjones.com


  (END) Dow Jones Newswires
  10-07-090615ET
  Copyright (c) 2009 Dow Jones & Company, Inc.

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