Discover Small Business Watch says economic confidence among small-business owners declined for the fourth straight month in November. Confidence measured 93.2, compared with 96.8 in October, and 114.6 at this time last year. This downward trend reflects the overall feeling of economic instability across the country. "Challenges in the national economy over the past few months are no doubt influencing the perceptions of small-business owners, but there still is stability back on Main Street," said Sastry Rachakonda, director of Discover's business credit card.

For more poll results on holiday spending and online habits, view the rest of the survey here.