The holidays are upon us, and Black Friday is just the start for the busiest shopping season of the year. According to a National Retail Foundation (NRF) survey, holiday retail sales in November and December are expected to increase between 3.6 and 4 percent for a total of $678.75-$682 billion, up from $655.8 billion last year. This is further confirmed by Deloitte’s 2017 Holiday Survey, which mentions that about 80 percent of consumers expect to spend the same or more this holiday season as they did last year.