Consumer confidence has eased after four months of gains, according to a new survey.
The ANZ-Roy Morgan Consumer Confidence Index fell 4 points to 121.5 in November, indicating that confidence remains strong.
The survey shows though respondents feel buoyant about the future, they remain glum about their prospects right now.
ANZ-National Bank chief economist Cameron Bagrie says while there are expectations of better times over the next year, people still feel financially worse off now compared with 2008.
Mr Bagrie says there has been a jump in the number of people expecting to buy a major household item, though he suspects Christmas spending is likely to rise modestly.