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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

Mortgage rates have been low for months, but currently, about 19 million homeowners who are eligible to refinance haven't cashed in.According to data analytics firm Black Knight, these homeowners have a credit score of 720 or more and at least 20% equity in their homes. They could save nearly 0 a month on average.A new survey by YouGov for Forbes Advisor found that 34% of homeowners say they’re not sure refinancing is worth it.A mortgage analyst at Forbes Advisor says one reason people may be hesitant is they don't want to deal with banks that are overloaded with applications right now.“Borrowers really need to advocate for themselves, so make sure that you call your lender if you haven't heard from them in over a week let’s say or just really stay on top of it and at the end of the day. If you're not getting the service that you want, there are many other lenders that would be happy to get your business,” said Natalie Campisi, Mortgage Analyst at Forbes Advisor.Another reason you should act now if you've been considering refinancing, is there's a new fee. It starts on December 1, but your loan may not be processed before then if you don't start the process now.“What you want to do is talk to your lender,” said Campisi. “If you decide to apply for a loan, ask them, say you know will you roll this fee into the cost of my loan, which some lenders are doing, and find out some lenders might be able to process your application before December 1.”Campisi says you can benefit the most from refinancing if you're not planning to move within the next few years. Also, if you have more than 10 years left on your mortgage.You also need to consider closing costs that can average around ,000. Most experts recommend you need to be saving at least 0 a month to make those costs worth it. 1816

More than a million chainsaws from Harbor Freight Tools are being recalled because the power switch can malfunction causing a serious injury hazard. According to the Consumer Product Safety Commission, even after the power switch is moved to the "off" position the chainsaws can continue to operate.Harbor Freight Tools has received 15 reports of chainsaws continuing to operate after being turned, resulting in three laceration injuries — including one serious injury to the arm requiring stitches.The recall includes two models of 14-inch chainsaws sold under three different brand names: 623

NASHVILLE, Tenn. - Every week, hundreds of people from around the world visit The Free Pizza Dude account on Imgur, created by a Nashville man, to either ask for food assistance or help out."I've been able to carve out this kind of wholesome side of Imgur where people come to my post to help other people," said Mr. Puckett, the virtual Imgur user with more than 7 million up-votes. "We had all of these people kind of wanting to help, but had no idea how to."In August 2019, Mr. Puckett created The Free Pizza Dude page to help connect the people in need of a meal to willing donors."We're not trying to end world hunger we're trying to make people happy. [Those] who would not otherwise be able to afford this kind of food," said Mr. Puckett.So far, the page has allowed people to send nearly 4,000 pizzas to strangers in need.Mr. Puckett knows what it is like to be hungry."I had problems with alcohol and was homeless for four years before I got on Imgur. I knew if I ever got on my feet again, I wanted to do something where we could send food to people that wasn't rice and beans - that wasn't food shelf kind of food - something they could really enjoy and remember for some time because I always did and I always remembered the food people sent me," he said.Through his website, pizza angels from all over the world have sent paid-for pizzas to strangers and fulfilled more than 100 detailed grocery requests too."Everybody wants to help, but they want to have fun doing it, and they want to have security that they're helping the right person, and I think we've done all three of those things," he said.Mr. Puckett puts out a new call for pizza donations every Friday.He said the reason he does this is simple."I was homeless for so long and so many people from my childhood days helped me. I needed help from every person in my life for so many years so once I finally got stable, and got an apartment and home I knew I had to be that person," he said.Nashville Mayor John Cooper recently named Mr. Puckett a Community Hero of the Week.This story was first reported by Hannah McDonald at WTVF in Nashville, Tennessee. 2136

MOSIDA, Utah – Not too far south of Salt Lake City, you will find the Bateman Dairy Farm. It’s a farm where the cattle have quite the view. The Wasatch Mountain Range rises up across Utah Lake.“The right way to take care of cows is to make them happy and comfortable,” said Brad Bateman.Bateman has worked the farm since he was a small boy alongside his family.“There was no hanging out or having fun here; it was all work,” he said with a chuckle. “Our family developed the farm ground and broke a lot of this ground out of sagebrush.”Today, there are more than 20,000 head of dairy cows and feeding them can be a tall order.However, sometimes life can present a unique opportunity for growth.“We want to welcome you to the first-ever controlled environment indoor farm for animal feed,” said Steve Lindsley, president of Grov Technologies.Call it a marriage between farming and technology, with an eco-friendlier “hoof print.”“We call the machine, Olympus, Lindsley said, pointing to the large tower stretching nearly to the roof of the building.“Each of these machines will replace 35 to 50 acres of land.”Lindsley said to grow the cow feed indoors with Olympus only takes five percent of the water of traditional farming.“The seeds are planted on a tray, and within about five to six days, we come out with a beautiful harvest,” Lindsley said.Lindsley’s background is in tech but he envisions towers like Olympus helping anywhere rainwater is scarce.“There are so many challenges with water,” Lindsley explained. “You just think about the West, you think about California, the panhandle of Texas. There are so many places that could benefit from this technology.”For the Bateman farm, this year the weather wasn’t so much of an issue, it was COVID-19. The virus disrupted supply lines all over the world and put farms like the Batemans in danger of running out of feed.“We just couldn’t get into places to get the animal feed,” Bateman explained. “Places like Washington state, they wouldn’t even let our trucks in.”Bateman said the timing of the partnership couldn’t have been better.“The cows love this stuff,” he said with a smile. “This is like cow candy for them.”Now, Bateman sleeps a bit better at night knowing his cows will get fed regardless of the weather or a worldwide pandemic.“This whole thing has really brought home the importance of having a fresh, local supply of feed,” Bateman said. “This is a really big thing for us and feeling secure about our future.” 2488