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SAN DIEGO (KGTV) -- There's a less joyful side to the holiday season: going into debt. According to a Magnify Money study of last year's holiday spending, Americans racked up an average of ,054 of debt, a 5 percent increase over last year. The study also found more shoppers put that debt on high-interest credit cards. “Doesn't surprise me at all, doesn't surprise me at all, in fact, I’m probably guilty of it too," said Jim Vogt, a San Diego State University lecturer. “It’s a hole that’s real easy to get into and hard to get out of.”Only making minimum payments on that ,050 of holiday debt will take 63 months to pay off, and could cost around 0 in interest fees.Vogt says the number one thing consumers should do before holiday shopping is have a plan and create a budget, write a list of who you'll be shopping for this season.If you are using a credit card, have a plan to pay it off on time.Vogt also warns of being mindful on Black Friday.“Black Friday a lot of it is all temptation, something looks good, but it wasn’t what we planned on," said Vogt. “Some deals aren’t as good as they seem, you have to be smart and do your research.”Smart Shopping Tips: 1192

SAN DIEGO (KGTV) -- The San Diego Unified School District approved a plan Tuesday night that outlines how the district plans to reopen in the fall. The school board voted unanimously to move forward with a plan that would allow parents to decide if their students return to campus in the fall of 2020 or continue distance learning at home. Students returning to in-person learning will go to school for the full day of class every day, not a staggered schedule. All in-person learning is subject to federal and local health guidelines like wearing a mask, 6 feet of social distancing, and frequent hand washing. If parents feel their child is not ready to go back to campus, they can continue online. The district called it "Distance Learning 2.0," an improvement to the current online learning in place. The board voted to move forward with the plan despite only having enough funding for only half of the school year. The second half is dependent on federal funding. This does not mean the district would run out of money for the year; it means all students would have to return to online learning for the second half of the year. School board members said this vote was just the beginning of a long process to restart school in the fall, adding that things could be updated as local and state guidelines change. 1323

SAN DIEGO (KGTV) - To protect his best friend, a Sabre Springs man found himself in a brawl with a bobcat. Bobby Abrams, a 78-year-old Vietnam veteran, said it happened Saturday morning while walking his dog Sammy. The Navy veteran is in tiptop shape; he does hundreds of push-ups a day and goes on walks up to 14 miles. "Oh yea, he was snarling, arggggg, like that!" remembers Abrams. RELATED: Woman spots bobcat lurking through backyard in 4S RanchAbrams was walking on Ted Williams Parkway when he says the bobcat appeared and quickly attacked Sammy, biting him in the neck. Abrams quickly pulled the bobcat off, grabbing it by the throat and slinging it back and forth. He ultimately broke the animal's neck, killing it. Abrams was left with puncture wounds on his hands. He says he had to defend his dog and would do it again if he had to. He says their close relationship began when Abrams rescued Sammy from an abusive situation; he says they both have PTSD. "I love that dog as much as I love my momma. I love that dog, the Navy, and my momma!" said Abrams. RELATED: Photographs show mystery animal in North San Diego County is likely a bobcatHe started his military career in the Coast Guard and then joined the Navy, serving more than 20 years total.Fish and Wildlife officers picked up the bobcat carcass. A spokesperson says bobcats are not unusual in that area but are usually nocturnal. They speculate the animal might not have gone out that night due to bad weather and instead went out during the day.If you find yourself in a similar situation, wildlife officials say stand your ground and try to pull the animal away. They recommend avoiding going out at night when coyotes and bobcats are out. It's also advised to make loud noises and throw objects, like a rock, at the animal to try and scare it off. Officials say bobcats are typically fearful of humans. 1885

SAN DIEGO (KGTV) — Three Scripps Health clinics will be reopening after being closed in March when stay-at-home orders began due to the coronavirus pandemic.Scripps says it has also resumed time-critical surgeries at its five hospital locations and outpatient surgery centers in the county.Scripps Coastal Medical Center Escondido, Scripps Coastal Medical Center Solana Beach, and Scripps Clinic Santee are reopening for the same medical services that were available at the sites prior to closing, expect for radiology.During the closures, patients were referred to other Scripps Health sites that were still open.As the medical centers reopen, Scripps Health says it is taking all necessary precautions, including all staff and patients wearing masks, screening patients before they enter, isolating patients with COVID-19 symptoms, and using strict cleaning protocols."We are very thoughtfully and cautiously phasing in a return of services to make sure that we have what we need to protect our patients and staff – from personal protective equipment to disinfecting supplies – to ensure the safety of everyone in our facilities," said Ghazala Sharieff, Scripps chief medical officer of clinical excellence and experience. 1233

SAN DIEGO (KGTV) — The threat of coronavirus still is looming and combined with a new problem of bad air quality from west coast wildfires, means there are now more reasons to wear masks, but not all masks will protect against both.The CDC currently recommends the public wear masks with two or more layers over their nose and mouth to stop the spread of COVID-19. In regards to the particulate matter in the air because of wildfire smoke, the cloth coverings are not enough protection.“If you’re wearing a cloth mask for COVID, it doesn’t necessarily mean you’re protected from those microscopic smoke particles that can still be breathed in,” said Robert Reider, Interim Director of the San Diego Air Pollution Control District, or SDAPCD.Reider said the air in Southern California has been some of the worst in the world through the past week. This is because of the multiple wildfires burning in Northern California, Oregon, and Washington. The winds are pulling the smoke south and it’s settling in places like San Diego, creating hazy and unsafe conditions. Reider said the winds are expected to shift around Friday, meaning the haze should clear after that.In the meantime, Sharp Rees-Stealy physician Jyotu Sandhu said N95 masks are the best protection against wildfire smoke. He added that individuals should assess their own health when determining how seriously they need to take the smoke. People with lung or breathing issues like asthma and COPD should be more aware of the smoke.The SDAPCD issued a Wildfire Smoke Advisory because of the impacts. The air quality will range between "moderate" and "unhealthy for sensitive groups" through Thursday. Sandhu said he’s had patients asking if it’s safe to exercise in the smoke. He said if a person is healthy, they can go outside but should consider spending less time outdoors than usual. For example, if a healthy person runs outside for an hour a day, it might be smart to cut that time in half and only run for half an hour in the smoke. He said if possible, exercising indoors is safer than outside while the smoke persists. 2098