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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

Have you ever considered traveling alone? It can be intimidating, especially as you get older. But Leyla Alyanak, who is in her 60s, says she prefers it. “Ninety percent of the time I travel on my own, and I love it," Alyanak says. She's traveled all over the world, from Kyrgyzstan and South Korea, all by herself. Alyanak took her first solo trip when she was just 15 years old. One of her favorite perks of traveling alone is the freedom. "The freedom to decide what I want to do, when I want to do," she says. While being adventurous is exhilarating, Alyanak says there are some downsides to traveling solo.First, it can be expensive. Because you’re alone, you don’t have someone to split the costs of lodging and other exposes. Secondly, there are times were a solo traveler can experience loneliness. However, Alyanak says traveling solo does force you to meet new people. Then, there’s the issue of safety. "Yes, there is a little bit more of vulnerability but nothing you can't prepare yourself against,” she says. “All you have to do is expect things are going to be like that you just need to be a little bit more careful and watchful." If traveling solo sounds fun but you're still unsure, Alyanak recommends planning a solo trip close to where you live. When you’re ready to go abroad, choose a country where English is prevalent, like Canada, England and Ireland. "Then, they should embrace a country where the tourist infrastructure is really good, but at the same time, the language is different,” Alyanak recommends. “But enough people do speak English in places like Mexico, Italy, Spain." Once you're feeling really adventurous, try a place with a language barrier. Alyanak says your saving grace will be the smartphone app Google Translator. "Going to a country where you don't speak the language or any of the languages, that can be a little unsettling, so I’m really glad I had the app with me. It made all the difference." She says all her experiences while traveling solo has given her a newfound confidence. "Take it easy,” she says. “Take baby steps. Start small and just relish the freedom that you are going to have all on your own." Alyanak blogs about her solo adventures and gives tips to those who are thinking about traveling alone on her website 2298

GAINESBORO, Tenn. — A trapped diver from the United Kingdom has been safely rescued Wednesday evening in Jackson County, Tennessee. Josh Bratchley was rescued just before 7 p.m. at the Mill Pond Cave in Gainesboro. Bratchley was evaluated by medical crews on scene and refused medical treatment. Bratchley was one of the rescue divers who saved a Thailand Soccer team from a cave last year.Around 1 a.m. Wednesday, Jackson County 911 received a call about an unaccounted-for man in the area of Mill Pond Cave at Flynn's Lick of Gainesboro.Responders on the scene learned a group of tourists from the United Kingdom had been diving in and exploring the Mill Pond Cave for the past few days.When the tourists returned from a dive around 3 p.m. Tuesday, they could not account for one of the members of their group. They attempted another dive to find their missing friend prior to calling 911.A press conference will be held later Wednesday. 951

France is imposing nationwide restrictions on how far from their homes people can go and for what purpose as part of the country's strategy to stop the spread of the new coronavirus. French President Emmanuel Macron said that "movements will be very strongly reduced” for 15 days starting at midday Tuesday. He says residents will only be permitted to leave their homes for necessary trips such as going to work or the supermarket. Macron said in televised remarks that the government decided to order the restrictions because people haven't complied with earlier public health measures and “we are at war.” Macron added that any violations from the law will be penalized, without elaborating how. 709

Hope Hicks, the former White House communications director and long-time confidante of President Donald Trump, plans to turn over documents to the House Judiciary Committee as part of its investigation into potential obstruction of justice.Rep. Jerry Nadler, chairman of the House Judiciary Committee, sent Hicks a detailed letter earlier this month, asking for documents on a wide-range of topics, including over former national security adviser Michael Flynn's false statements to the FBI, the firing of then-FBI Director James Comey, Trump's involvement in a hush-money scheme to silence stories about his alleged affairs and the drafting of a misleading 2017 statement to the media about Donald Trump Jr.'s 2016 meeting in Trump Tower with Russians.The request included documents from "any personal or work diary, journal or other book containing notes, a record or a description of daily events" about Trump, the Trump campaign, the Trump Organization and the executive office of the President.Hicks and other current administration officials have agreed to provide documents to the committee, according to Nadler's spokesman Daniel Schwarz. Hicks' attorney declined to comment.The development comes amid a growing fight between House Democrats and the White House over a range of investigations -- after the White House has ignored a number of deadlines set by Democratic chairmen, who now wield subpoena power. The White House has not yet provided information to Nadler, a Democrat from New York, as part of his investigation -- 1548

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