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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

FRANKFORT, Ky. — Kentucky Gov. Matt Bevin signed a bill into law Monday letting people carry a concealed gun without a permit or training.It was already legal to open carry without a permit in Kentucky. 215

Google's parent company Alphabet says David Drummond, its legal chief, is leaving at the end of the month. Drummond has faced accusations of inappropriate relationships with employees. Alphabet did not give a reason for Drummond's departure in a regulatory filing Friday. The company said last November that it was investigating sexual misconduct cases against executives. Claims against Drummond were included in the investigations. The company said Friday that Drummond is not getting an exit package as part of his departure. Drummond does not mention the misconduct allegations in a memo to employees on his departure. He joined Google in 2002. 660

Hallmark recalled over 4,000 candles Friday just ahead of the holidays.When the company's frosted balsam jar candles are lit, the glass jar can break causing possible fire and laceration hazards, according to the 225

He played there as a promising youngster, now Tiger Woods is set to design a public golf course that will benefit the whole of Chicago.The former world No.1 and his TGR Design team are lead architects on a proposal to redevelop the Jackson Park and South Shore Golf Courses in downtown Chicago.Woods, the 14-time major champion, learned the game on the municipal courses of California and is keen to leave a legacy for future generations of golfers who are without the means to join an exclusive club.The scheme, which will be privately funded, will involve a newly restored 18-hole golf course and a shorter family course on the urban banks of Lake Michigan with substantial views of the city's skyline. 716

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