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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

I just got off the stage where I shared my bold vision for our future built on uniting our country. Because I know if we work together, there’s nothing we can’t do.Let's keep our momentum going. If you liked what you heard tonight, text JOE to 30330 and let's get to work. pic.twitter.com/EDIKTYiJB1— Joe Biden (@JoeBiden) August 1, 2019 349

Humans may not be able to regrow amputated limbs like salamanders can -- but we do have a "salamander-like" ability to regrow damaged cartilage, a new study has found.The study, published Wednesday 210

GREELEY, Colo. — In the morning hours of Feb. 18, investigators sat down with Chris Watts and listened as he described the days leading up to, and after, the murder of his pregnant wife and two young daughters. For the first time, audio and 253

HENDERSONVILLE, Tenn. — A 8 million Powerball jackpot was won in Hendersonville, Tennessee, on Saturday night.This is the seventh time a player in Tennessee has matched all six numbers in order to win this enormous prize.The ticket owner, who has yet to be identified, is encouraged to sign the back of their winning ticket, put it in a secure location and consult a financial adviser before contacting the lottery headquarters located in Nashville in order to claim their prize. The 499