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As many people are still struggling to reclaim their financial footing, experts say easing the burden on your future entails putting a financial plan into place right now.So where do you start?WXYZ spoke to Robin Thompson of metro Detroit's MoneyWise Consulting for the top five financial things you need to do as you get ready for the new year.#1) Review your spending planNow is a good time to evaluate your expenses. Figure out where you can cut temporarily. Good places to look include anywhere you’re sending an automatic payment. Think about any unused streaming service subscriptions or gym memberships."You really have to get clear on what’s a need," said Thompson. "What’s a want? What is truly essential?"#2) Make a plan to get out of debtYou want to list all of your creditors, all of your corresponding interest rates, and then really laser focus on the debts with the highest interest rates.People should be allocating a minimum amount total of three months of essential living expenses for their emergency fund.#3) Start building an emergency fund"If you only have the ability to set aside a week, don’t get hung up on the amount," said Thompson. "The habit is more important than the amount."#4) Prepare for recoveryMortgage-holding homeowners and students should take advantage of loan forbearance right now."Now is the time to pick up the phone and talk with your lender on how’re we gonna handle this?"#5) Re-evaluate your retirement plan"How did COVID impact your retirement savings," said Thompson. "You want to revisit your investment mix, just to make sure you’re on target for your goals."So here’s the top 5 Rebound rundown: create a new spending plan, manage your credit and debt, build out at least a three-month emergency fund, prepare for the end of loan forbearance, and review your retirement strategy. 1844

Authorities have identified the body of a young boy found at a New Mexico compound as Abdul-Ghani Wahhaj, a missing 3-year-old who was allegedly abducted by his father in November, according to the state's Office of the Medical Investigator.The boy's remains were discovered a few days after authorities first raided the makeshift compound earlier this month and discovered 11 emaciated children wearing rags and no shoes.Abdul-Ghani, who would have turned 4 the day his body was discovered, had been missing since last November, when his father, 40-year-old Siraj Wahhaj, allegedly took him from his mother in Jonesboro, Georgia, and said they were going to a park.They never returned.New Mexico authorities suspected the boy and his father were at the compound after learning about the abduction in May, according to the Taos County sheriff, but didn't have enough evidence for a search warrant. 915

As of Tuesday, Petco says they no longer sell electronic "shock" collars and have removed them from its shelves and website.The company said they stopped selling the human- and bark-activated electronic pet collars in a press release on Tuesday because they wanted to strengthen their commitment to positive reinforcement training methods. They also wanted to solidify their evolution from "a leading pet specialty retailer to a category-defining health and wellness partner" for animals and their owners."Electricity may be critical to powering your microwave, but it has no role for the average pet parent training their dog," said Petco CEO Ron Coughlin in the press release. "Shock collars have been shown to increase fear, anxiety, and stress in dogs, and we believe there's a better way – Positive Reinforcement Training."The San Diego-based company is also calling on the pet industry and consumers to join in its newly launched "Stop the Shock" online campaign that will create "responsible regulation for the retail sale of shock collars to general consumers."Along with today's announcement, Petco also launched a new look declaring itself "Petco, The Health + Wellness Co." to reflect how they've evolved into a health and wellness company."As a health and wellness company, our mission is focused on improving pet lives, and we think selling shock collars does the opposite," Coughlin said in the news release. "It's our responsibility to ensure that we, and others, aren't putting potentially harmful products in the wrong hands." 1551

AUSTIN, Texas (AP) — A federal judge has ruled that Texas’ statewide mask mandate must extend to inside polling places. But election officials Wednesday did not appear to be rushing to enforce the order. It was handed down after more than 8 million people have already cast ballots. U.S. District Judge Jason Pulliam said not requiring face coverings in Texas polling places created a discriminatory burden on Black and Latino voters, who are at higher risk of death and severe illness from the coronavirus. Texas Governor Greg Abbott had included an exemption for polling places in his statewide mask mandate. The governor said he encourages people to wear a face mask but exempted polling places from the mandate because he didn't want voters turned away from the polls just because they didn't have a mask, according to the Texas Tribune. Texas Attorney General Ken Paxton immediately appealed Tuesday’s ruling. Texas is three weeks into early voting, but Pulliam said enforcing a mask order would not be disruptive.According to the U.S. Elections Project, which is tracking early voter data, there have been more than 8.1 million votes cast already in Texas as of Wednesday afternoon. That's roughly 90 percent of all votes cast in the 2016 election. 1263

ATTICA, NY -- She has a vision for design and spent the last two months renovating her own camper-turned-tiny home called Camp Hygge. Her name is Lauren Nelson and she's 11 years old."I love this, I love renovating. I was very motivated with this camper, I really wanted a place where I could hang out . . . like my own house," said Nelson. Inside Lauren's renovated camper It all started when Lauren was flipping through the pages of an American Girl Doll magazine."She showed us a 0 little VW bus that they sell, my husband was like 'that's ridiculous, you could buy your own camper for that price,'" said Aimee Nelson, her mother.So she did just that. She saved up some money and started looking for her camper. A neighbor just down the street had one that piqued her interest. Lauren renovated the camper with help from family and friends "And then one day, up popped a for sale sign and she squealed the whole way home," said her mother.She then started negotiating. She had saved up 0 between the money she would have used to go to 4-H camp and some that she raised at garage sales."It wasn't very hard. He said 0 and I said 0 because that was the money I had in my bank account and he said sold," said Nelson.Then it was time to renovate, which wasn't easy. There was a lot of deep cleaning and they even found a family of mice, but that didn't stop her. The renovation only cost her around 0, her mother says she was frugal when shopping with a vision for her Beachy Boho-themed camper."She has three envelopes that she puts her money in, give save and spend and I think she made a really good choice. She now says she's part of the tiny home nation."Lauren was inspired by HGTV's Tiny House Hunters. She researched on Pinterest and got the name, Camp Hygge, from a Simplisafe TV commercial."It means very comfortable and safe. It has its own kitchen and bathroom," said Nelson. Lauren spends 5 days a week in her new camper Now she spends five days a week in her camper. She was able to turn her summer around and hopes to inspire others to do the same. Aimee says they've already received messages from others who have done the same thing after hearing about Camp Hygge."If you're looking to have some big plans in the future, you should go out and do it. Make it happen," said Nelson.Lauren hopes to have a career in home renovation or forensic science, maybe both, she says. This story was first reported by Taylor Epps at WKBW in Buffalo, New York. 2608