If your wallet needs a break from store prices, go online. Retailers will be offering record-setting discounts for online shoppers this holiday season in an effort to entice inflation-weary consumers to buy. Projections by Adobe Analytics show retailers are prepared to offer up to 35-percent off listed prices this holiday season, with the deepest discounts on toys, electronics, and apparel. Consumers are projected to spend 221-billion-dollars online shopping between November 1st and the end of the year. That represents growth of 4.8-percent year-over-year. Consumers continue to lean on Buy Now, Pay Later options, like Affirm and PayPal, as an alternative to credit cards, and are expected to spend aggressively even as concerns about rising costs and the health of the overall economy linger. The pay later options could cause problems for your bank account later, so think that through before using the payment option.