Believe it or not, Christmas shopping season is underway. The National Retail Federation says Christmas displays and even commercials have already started. Some retailers have launched lay-away programs and cut holiday service fees. Analysts also say that 20 percent of American consumers have started their Christmas shopping and that figure will double by Halloween. They say lackluster sales last year and not-so-great back to school shopping this year are really putting pressure on retailers this coming holiday season.
