The latest from Prosper on Forbes.com

The October Spending Forecast (which represents consumers’ intended spending levels over the next 90 days) is up from last month—not surprising as we inch closer to the holiday season. However, the forecast is flat compared to last year indicating that consumers are heading into the holidays with similar purchase intentions as they had in 2014.

Key markers contributing to this current consumer mindset are confidence, happiness and impulsivity, which are all flat from last month. Lack of consumer enthusiasm coupled with an uncertain economy indicates continue reading.