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Holiday marketers have your number, and they know how to entice you to spend.You try to rein it in. But two favorite strategies can lead to spending more, according to a 2018 survey by the Center for the New Middle Class, a research organization funded by Elevate, which lends to credit-challenged borrowers. Consumers who shopped at sales were 50% more likely to say they spent more than they expected. Among shoppers who used coupons, 38.5% said they overspent.Many shoppers try to be careful instead of making a spending plan. Using a budget can feel like it’s wringing the joy out of a happy season. Why? Giving feels good, says Jeff Kreisler, co-author of “Dollars and Sense: How We Misthink Money and How to Spend Smarter.”But simply being careful doesn’t work, “because a lot of the reasons we make poor financial decisions are unconscious,” says Kreisler, who’s editor in chief of PeopleScience.com, which applies behavioral science to the marketplace.However, you can position yourself to recognize — and overcome — overspending triggers.Use the best defense: a holiday budgetAshley Feinstein Gerstley, a financial coach and founder of the Fiscal Femme website, advises setting aside time — not over an hour — to list holiday expenses. Build in a buffer, because you’ll forget some things. But you’ll be better off if you have a number in mind, she says.Be realistic, not rigid, about your budget. Otherwise, controlling expenses can seem so futile you don’t bother trying, she says. “It’s like being on a strict diet and figuring if you cheated and had a cookie, you may as well eat the whole bag.”If you worry about overspending, consider getting a prepaid gift card in that amount, Kreisler says. It can help you stay aware of what you are spending and what’s left.Having a successful holiday spending plan may also inspire you to 1855

HIV prevention drugs will be available without a prescription starting next year in California under a bill signed Monday by the state's Democratic governor.The medications covered by the 200

Family Dollar will close 390 stores this year and make big changes to the stores it is keeping open as the discount chain seeks a turnaround.Family Dollar sells a variety of items for under at rural and urban locations. Dollar Tree bought the company in 2015. But Family Dollar has struggled, and Dollar Tree is under heavy pressure from an activist investor to sell or revitalize the ailing line.Dollar Tree, which sells everything for and caters more to mid-income customers with suburban stores, has a plan for Family Dollar: Close stores, re-brand some locations as Dollar Tree, and renovate others with Dollar Tree merchandise sections."We are confident we are taking the appropriate steps to reposition our Family Dollar brand," Dollar Tree CEO Gary Philbin said in a news release Wednesday.This is a developing story. 846

Ford is partnering with the start-up Agility Robotics to see how a two-legged robot and self-driving vehicles can work together.The robot, named Digit, would be used to carry out the final step of getting your delivery from a car to your front door.Digit is a two-legged robot that looks and walks like a human. It's built out of lightweight material and capable of lifting packages that weight up to 40 pounds. Digit can go up and down stairs, walk through uneven terrain and react to things, like being bumped without losing balance and falling over.Digit can also tightly fold itself up in the back of a self-driving vehicle until it's called into action. Once a self-driving car arrives at its destination, Digit can be deployed to grab a package from the vehicle and carry out the final step in the delivery process.If Digit encounters an unexpected obstacle, it can send an image back to the vehicle and have the vehicle configure a solution. Ford is currently testing Digit in Detroit, Miami, Pittsburgh and Washington D.C. 1042

For six months now, the days have grown shorter and the nights have grown longer in the Northern Hemisphere -- but that's about to reverse itself.Winter solstice, 174

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