One out of 3 Americans is looking to find ways to stall overspending as the holiday seasons approach, based on a recent report.  The results were extracted from a study conducted by Harris Interactive on behalf of personal assistant tool Pageonce, surveying 1,021 US adults.

The methodology used by Pageonce is quite interesting. They surveyed 1,021 American residents over the phone. Before the actual process, they determined key factors that are deemed necessary to bring the numbers near to actuality. These weighted aspects include: figures for age, sex, race, education, region, number of adults in household, and number of telephone lines.

A couple of good points were raised by Guy Goldstein, founder and CEO of Pageonce, in a recent analysis on the news. He says,

“Tremendous advances in mobile phones and financial apps can alleviate the stress related with overspending and lack of financial control. Gone are the days when you had to go home, balance your checkbook, reconcile your credit card statements and hope it all works out.

Today, you can see it all, in real-time on your mobile phone, so you are in a better place to make decisions about your purchases and control spending.  This innovation can really affect change in people’s behavior and financial future, particularly during the holidays when we are all likely to spend a little more than we have.”

However, more than half of the respondents see financial management to be time-consuming, and a huge responsibility. They also pointed out that putting up a financial plan can be overwhelming and stressful. This particular study was dissected and revealed that the ones who struggle more with keeping up with their personal finances are the younger ones, ages 18-24 to be more specific.

Of course, this is where Pageonce comes in.  It’s personal assistant tools have been early adopters of all the major mobile platforms, and has been around long enough to gain some experience in streamlining aggregate data on an individualized level.  One thing Pageonce has done with its mobile apps these past couple of years is clearly define their purposes as finance and other assistant services, making them easier for consumers to comprehend.

With mobile utilities having soared this past year, a number of holiday-related reports have factored this trend for pushing their services or marketing around them.  It’s gotten quite aggressive, with players large and small looking to tap into this localized market for holiday shoppers.  The study becomes even more relevant as companies like Google consider more integrated way in which to make Android devices mobile wallets.  The cloud will also be a factor, as more personal data stored there needs to be accessible through mobile devices.  Egnyte and Dropbox are present two aspects of the personal cloud, each with their own take on the current holiday shopping season.