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Whether you’re planning a trip to a country across the globe or packing the car for a weekend road trip to a local campground, you can have a debt-free vacation with some careful planning.It’s easy to see how a vacation can blow up even the most carefully planned budget: In NerdWallet’s 2018 Summer Spending Report, parents surveyed by Harris Poll planned to charge an average of ,019 to credit cards for summer vacations.To ease the stress of a vacation on your budget, start with a clear idea of your trip’s scope — identifying expenses from the time you leave your home to the moment you return — and create a realistic spending limit. Then get creative to trim costs along the way. 701

With Halloween fast approaching, and pandemic safety precautions still in place around the country, it can be difficult deciding how to celebrate this year.A website, Halloween2020.org, backed by the not-for-profit Halloween Industry Association, offers helpful ideas and suggestions to entertain based on geography and current COVID-19 levels.“With the convergence of a full moon, a blue moon, daylight savings time and Saturday celebrations — plus the unprecedented events of this year — Halloween 2020 will truly be one to remember. Much has changed … but our love for the fun, fright, and delight of Halloween is strong as ever,” the website reads.The site features a color-coded map with information provided by the CDC and Harvard Global Health Institute of COVID-19 cases in every county in America. Based on the color, different activities are recommended.Red, or high COVID-19 rates, can celebrate in person with a small number of friends adhering to local safety orders, or keep it to house residents only with a costume-required dinner, scavenger hunt around the house to entertain the kids, some Halloween-themed karaoke, or a night of scary Netflix shows.In counties designed as orange, consider sitting outside in costume as friends, neighbors and family walk or drive by with candy. Or, get together with neighbors to create a neighborhood candy hunt, complete with a treasure map.As COVID-19 rates decrease, the ability to celebrate with others expands. Including curbside or garage trick-or-treating, face mask parties, or outdoor costume parties.Stay safe, even while celebrating, by taking simple precautions.Recommendations from the HIA and CDC include adults placing candy on a clean table and allowing kids to grab it themselves, remain six feet away from other people not in the same household, carry hand sanitizer and use frequently, then remember to wash hands thoroughly before enjoying any candy or treats. 1942

With a second surge in COVID-19 cases underway, a family from the Midwest is sharing their harrowing story about surviving the coronavirus illness.A father, mother and son were all on ventilators, on life-support at one point.Chuck Drungelo was the first to feel sick right after Easter. He stayed home from work but his family, including his 81-year-old mother-in-law, all eventually landed in the hospital with the virus.“They said it looks like you have COVID pneumonia, so by Monday I was in the hospital and I gave it to my whole family,” said the dad.“How could this happen? How could all four members of their family get this? And it just shows you how contagious it is,” said Raeann Shedd, Drungelo’s sister.Chuck got the sickest. The ventilator wasn't enough. He was moved to an ECMO machine, which is life-support for the lungs and heart, for 19 days. He eventually got virus antibody plasma treatment that helped him turn a corner.“You can still hear my trachea. I got a hole from the feeding tube,” said Drungelo.Drungelo’s sister and his sister-in-law ended up having to make all the medical decisions while they were incapacitated. He was finally able to come home from a rehabilitation facility July 1.“It’s awful because your family is struggling, and you can’t be there for them. You can’t go to the hospital. You can’t hold their hand and talk to the doctor and look them in the eye. People think it’s their right to not wear a mask. I guess in a way it is, but we should do everything we can to save each other,” said Shedd.“My wife said the other day, if you don’t like wearing a mask, you’re not going to like wearing a ventilator,” said DrungeloAs you can imagine the family is facing a massive amount of medical bills. They have a GoFundMe page for those who would like to help. 1809

When two hijacked passenger planes crashed into the World Trade Center towers on September 11, 2001, a massive cloud of dust swept across the New York skyline.The looming cloud, caused by the twin towers' collapse and the digging in ground zero, carried chemicals and carcinogens such as perfluoroalkyl substances or PFASs, a class of chemicals used to make products stain-resistant, nonstick or waterproof. 415

Whether you can afford a home depends — a lot — on the city you want to call home. A modest income can go a long way in Cumberland, Maryland, the metropolitan area with the nation’s most affordable houses. In contrast, the least affordable homes are in the San Jose, California, metropolitan area — the center of Silicon Valley.In Cumberland, a median-priced house costs less than two years’ median household income. By contrast, the typical home in San Jose costs about 10 years of household income.NerdWallet calculated affordability for 173 metropolitan areas by comparing the median annual household income and the monthly principal-and-interest payment for a median-priced single-family home. “Median” means half of the values or incomes are higher and half are lower. Those comparisons revealed the five most- and least-affordable markets for buying a home.The lists were compiled using data from the National Association of Realtors, the Census Bureau and NerdWallet surveys.? MORE: How much can you afford in your area? 1045