NEW YORK ( TheStreet) -- Americans look ready to open up their pocketbooks to the tune of $801 in holiday spending this year, according to the American Research Group -- and that's actually down from $854 last year. It's a good chunk of cash, and every dollar counts to meet a holiday budget in a tough economy. If you come up short, don't despair. According to Coinstar ( OUTR), the "coins-to-cash" money services firm, Americans have $56 in spare change lying around that they didn't know about. Coinstar surveyed 1,011 consumers in October and found that Americans typically sell themselves short on the amount of loose change they think is around the house. The survey found that consumers estimated they had $26 in loose change in their homes and cars (or, as Coinstar puts it, "in piggy banks or junk drawers and weighing down purses or backpacks").