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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

MONROE, Ohio -- Four Monroe High School students crashed on their way to prom Friday night, superintendent Phil Cagwin confirmed, trapping one inside the wrecked vehicle and ejecting another.All four were transported from the Millikin Road crash site to nearby hospitals: Three by ambulance to the West Chester Hospital and one airlifted to the University of Cincinnati Medical Center, according to police."Our thoughts and prayers are with our students and their families," Monroe Board of Education president Brett Guido said in a statement.Students at prom were told about the crash, according to a post on the high school's Facebook page. Extra staff members and counselors were on hand to help the victims' classmates.According to the post, the victims remain hospitalized, and their families are with them. 820

MINNEAPOLIS (AP) — A Delta Air Lines pilot from Minnesota was charged Friday with operating an aircraft under the influence of alcohol.Tests confirmed that 37-year-old Gabriel Schroeder, of Rosemont, had a blood alcohol level between 0.04% and 0.08% when detectives arrested him on a plane at the Minneapolis airport just as it started boarding for a flight to San Diego on July 20, according to the criminal complaint.The limit set by the Federal Aviation Administration is 0.04%, which is half the legal limit for driving in Minnesota.Schroder's first court date is Nov. 27. Court records don't list an attorney who could comment for him.According to the complaint, Schroeder told detectives that he'd had one beer and three vodka drinks the night before. He also admitted discarding an unopened vodka bottle that investigators found in an airport bathroom after he saw that security screening for crews had been stepped up.Delta removed Schroder from flying after his arrest. 986

MINNEAPOLIS, Minn. – More than 150 officers with the Minneapolis Police Department have started the process of filing physical and mental disability claims, with a majority saying they’re suffering from post-traumatic stress disorder (PTSD).The law firm representing many of the officers, Meuser, Yackley, and Rowland, made the announcement Friday, saying the events following the death of George Floyd have “pushed many officers to their breaking point.” Those events include the burning of the department’s third precinct.The law firm’s founder, Ron Meuser, Jr., wrote in a statement that many of the officers he represents were at the third precinct the day and night it was abandoned during the protests over Floyd’s death.“Officers were taking such extreme steps as writing final notes and texts to loved ones – fearful they wouldn’t make it home, and some saying they felt they needed to reserve their last bullet rather than being beaten to death,” wrote Meuser.The attorney says he’s seeing PTSD symptoms of officers with highly diminished capacity to live and socialize, extraordinary rates of divorce, and alcohol dependency to cope with their trauma.“It is an emotional crisis that cannot and should not continue,” wrote Meuser.The law firm says the number of officers claiming to have suffered PTSD over the past six weeks accounts for about 18% of the department’s 850-person force.“The men and women in public safety who give their heart and soul to serve Minneapolis and keep it safe deserve to have Minneapolis leaders to step up and supporting them,” wrote Meuser. “Instead of spending time plotting the dismantling of the force, let’s come together to improve community trust and work towards a safer city for all.”The city’s police department is facing intense scrutiny after now-former officer Derek Chauvin knelt on George Floyd’s neck for several minutes until the man lost consciousness and later died.Chauvin and three other officers involved have been fired and persistent protests across the country led prosecutors to swiftly charge them. Chauvin has been charged with murder, while the others are facing aiding and abetting charges. 2168

NATIONAL CITY (CNS) - Stephen Manganiello will take over as acting city manager of National City in April, retiring city manager Leslie Deese announced Wednesday.Manganiello will begin his new role on April 2, when Deese is set to retire after serving in the National City government for 33 years. She has served as city manager since 2012, when the City Council unanimously appointed her to the post.According to Deese's office, some of her chief accomplishments in office include establishing a pension fund, helping the city reach an A+ bond rating and securing several multi-million dollar grants.Manganiello has served in the National City government for 12 years and has served in a dual role as the director of public works/city engineer since 2012."The City Council and I wish the very best for Leslie (Deese) on her retirement and are excited to have Acting City Manager Steve Manganiello, who is a familiar voice at the table, to help us continue to move city business forward," National City Mayor Alejandra Sotelo-Solis said in a statement.Manganiello will serve as acting city manager until a permanent city manager is chosen, according to the city. The City Council expects to have a permanent city manager in place by the end of May.During Manganiello's temporary assignment, Deputy City Engineer Roberto Yano will serve as acting city engineer, according to the city. 1391