Glancing at the calendar I freaked. Christmas is a little over a week away. I haven’t begun my shopping yet. According to a new survey from the National Retail Federation, I’m not alone. Americans are way behind on their holiday shopping. In fact, 41 million of us haven’t even started. Only 8% say they have completely finished. And consumers are using fewer credit cards: Two-thirds of shoppers (66.2%) have primarily used cash, debit cards, or checks to pay for holiday purchases, up from 64.5% last year.