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Money might be tight this holiday with many working less hours or losing their jobs due to the pandemic, but it's not too late to budget and feel good about the season.November through December is a time when more cash is flowing and cards are swiping at stores.“The average that people spend across the country is about ,000 per holiday season,” said Ryan Freitag, a financial adviser with Edward Jones.Freitag said budgeting is key to preparing for the expected, such as gift buying around the holidays, and unexpected, like financial losses during a pandemic.He said people should simplify expenses and look at spending on a monthly basis to understand how much is needed for necessities, savings and the extras.The same rule of thumb applies to holiday spending. Freitag said people should plan how much can be allotted for gifts and set spending limits before hitting the holiday deals.“Whether it's 0 or ,000, take that money out of a checking or a savings account and even use a prepaid debit card," Freitag said. "That will allow them to keep their spending in check.”Experts typically recommend putting 10% of monthly income toward "fun spending." That number might change during the holidays.To manage the increase, Freitag recommends starting a holiday club savings account as soon as January to start budgeting for this time of year early. He said even putting in a month can be beneficial.“That way by the time holiday season comes you have a block of money that you’ve already designated toward your goal," Freitag said. "I feel like that takes the emotion, and overwhelming part of holiday spending out of it and the money is available.”Caitlin Carmody, an outpatient psycotherapist with Spectrum Behavioral Health LLC, said they see more people struggle with anxiety and depression around this time of year. She said some might feel an extra emotional burden from not being able to buy as many gifts for loved ones.But there are other options for showing loved ones they care.“There’s so many different ways we can show people love and affection. It doesn’t have to cost money," Carmody said.Instead of buying presents, Carmody suggested making gifts with family. She said the act of creating can help combat anxiety and depression, and even build self esteem in kids.Carmody said quality time is important. The gift of time can be just as meaningful, even if it's done virtually.“You’re growing new memories. You’re making new traditions," Carmody said. "So if we can re-frame it as not something that we’re losing, but maybe as a time of growth, or an opportunity to make new traditions and new memories.”For some, it's the gifts that can't be bought that mean the most.“We don’t need to put a dollar figure to a phone call," Freitag said. "There are a lot of people right now that are alone and isolated. I truly see that as more important than the money that somebody spends right now.”If people are feeling anxious or depressed, Carmody suggests practicing mindfulness, breathing exercises and keeping a routine. She said it's also important to stay present in the moment and not worry about things that are out of one's control.For those struggling with mental health, Carmody said they should reach out to a mental health professional for help.This story was originally published by Kelsey Dickeson at WGBA. 3349

MoviePass, the struggling movie subscription service, will limit customers to three movies per month.The company is trying to burn less cash so it can stay in business.Under the previous plan, customers could see one movie per day in theaters. The change to three movies per month takes effect August 15. MoviePass says 85% of its customers already see no more than three per month.The company also announced Monday that it will keep the monthly subscription price at .99. It is backing away from a plan, announced just last week, to raise the price to .99.MoviePass CEO Mitch Lowe described the change in an interview earlier Monday with The Wall Street Journal.The stock of MoviePass's parent company, Helios and Matheson, closed last Friday at just 7 cents.The-CNN-Wire 785

NATIONAL CITY (CNS) - Authorities today identified a motorcyclist who was killed in a collision at a South Bay intersection.Andrew Balderas, 21, of San Ysidro, was riding a Yamaha motorcycle eastbound in the 100 block of Mile of Cars Way just before 7 a.m. Thursday when a Toyota minivan made a left turn directly into his path at Transportation Avenue, according to the San Diego County Medical Examiner's Office.Balderas, who was wearing a helmet, struck the minivan and was ejected onto the roadway, according to a Medical Examiner's Office statement.An off-duty emergency medical technician arrived shortly after the collision, called 911 and began performing CPR on Balderas, the Medical Examiner's Office said. When paramedics arrived, Balderas was unresponsive and had no pulse. He was transported to UCSD Medical Center in Hillcrest, but doctors were unable to revive him.The minivan driver remained at the scene and cooperated with investigators, National City police Sgt. Jeffrey Meeks said.Intoxication was not believed to have been a factor in the collision, Meeks said. 1090

NASHVILLE, Tenn. – A Nashville author shared a beautiful example of confronting racial bias.Carlos Whittaker says he formed a bias against his neighbor who has a large American flag draped on his front door and two white bunny statues in his front yard.In the four years the two have been neighbors, Whittaker says the neighbor in his 70s never acknowledged him, even when he waved, smiled or shouted “morning.”"My racial bias thought this old, white man who ignored me, with an American flag hanging in front of his door, in the Deep South, didn't like brown people," said Whittaker. "That's a bias that I had. We all have biases, right." On Monday, Whittaker says he spotted the man walk out his front door with a can of paint and he proceeded to paint one of his white bunnies black. The sight brought Whittaker to tears.“For the next 12 hours I was trying to come up with 1,000 other reasons why he painted that bunny black,” wrote Whittaker on Instagram. “Besides the reason my gut was telling me.”So, when Whittaker spotted his neighbor in his driveway the next day, he walked across the street to ask him why he painted the statue. The man said he was trying to “gently” show his support for the African America community, “with the motivation of what’s going on in the country.”According to Whittaker, the small act of kindness was his neighbor's way of saying black lives matter, because he couldn't go downtown to the protests. Whittaker proceeded to tell his neighbor that he’s trying to help his friends realize that we all can develop some form of racial bias against others.“There’s this thing called racial bias that I’m trying to help my friends understand that they have,” said Whittaker to the man. “Whereas, someone like me that travels full-time for a living will normally have a bias that says, ‘oh look it’s an older white gentleman with an American flag up on his door,’ that my bias automatically says, ‘he may not like me.’”Whittaker went on to express his gratitude for the neighbor’s kind act and then he apologized.“I just wanted to tell you that I’m so grateful and that I apologize if I ever assumed anything, because that’s one of the most beautiful things I’ve ever seen,” said Whittaker to the neighbor.Whittaker posted the touching moment with his neighbor to social media, encouraging others to have uncomfortable conversations and to admit their own biases.“Protests may change policy,” wrote Whitaker. “But conversations change communities.” 2486

Musicians Garth Brooks and Trisha Yearwood are postponing a concert scheduled for Tuesday after someone in their camp was possibly exposed to coronavirus.The concert, which will air on Facebook, will be held at a later date.“While Garth and Trisha are fine, the Garth/Trisha camp has possibly been exposed to the Covid-19 virus,” according to a post on Brooks’ official Facebook page. “To be smart about this, they are all quarantining for 2 weeks and thank everyone for their concern.-Team Garth & TeamTY”On June 29, Brooks performed a “live” concert that could be viewed at drive-in theaters across America. Brooks said that nearly 350,000 fans attended the drive-in concerts. 690