The top 12 shopping days for the 2014 season are expected to account for more than $200 billion in total retail sales, according to MasterCard Advisors. Sarah Quinlan, senior vice president at MasterCard Advisors, reveals her expectations for the holiday shopping season with only a few days left until the Christmas holiday. Quinlan says holiday spending is up this year, and she ultimately expects a 5.5% increase from 2013. But, she explains that there's been a shift in how consumers are spending their money. Quinlan says shoppers are exhibiting post-recession behavior, and giving more gifts that pertain to experiences, like vacations, lodging and restaurants. She also reveals her expectation that the real effect from lower gas prices won't be realized until January.