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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

If convicted of making false statements to a federal agent, Rini faces as much as eight years in prison, Glassman says. https://t.co/Gm03HfG6KE— WCPO (@WCPO) April 5, 2019 183

High school students, get ready. The latest U.S. News & World Report college rankings dropped Monday and they're sure to put high school students -- and more so, their parents -- in a frenzy as they prepare to apply to colleges this autumn.The latest release marks the 35th edition of the Best Colleges ranking, and it's 337

HILLSBOROUGH COUNTY, Fla. — A grandmother in Hillsborough County, Florida, is facing several charges after she caused a crash that killed her 10-month-old granddaughter, according to Florida Highway Patrol. According to an accident report, Helen Mention, 50, was drunk when she crashed into a guardrail on Friday, Oct. 25 at 9 a.m. Her blood alcohol level was .225, FHP says. That's nearly three times the legal limit of 0.08. Troopers say Mention was driving with 10-month-old Harlem Mention on her lap. She was turning from Mango Road onto westbound I-4 when she crashed into a guardrail. Harlem was taken to Tampa General with critical injuries. She died a few days later on Oct. 28, according to FHP. Mention was arrested Monday and charged with DUI manslaughter, aggravated manslaughter of a child, careless driving and a violation of Florida's child restraint law. 883

HANAU, Germany — Police say eight people have been killed in shootings in the German city of Hanau. A short police statement gave no information on the victims. It said authorities are searching for the perpetrators, and it is not immediately clear what the reason for the shootings late Wednesday may have been. Two hookah lounges reportedly were targeted in the shooting. Hanau is in southwestern Germany, about 20 kilometers (12 miles) east of Frankfurt. It has about 100,000 inhabitants. 504

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