This Card Has a Gauge to Show You Exactly How Much You Have Left to Spend

iStock
iStock

Being financially responsible takes a whole lot of willpower. You might use a credit card, but constantly spend more than your checking account can cover each month, leading to killer late fees. You might have a budget, but ignore it every time a tempting dinner invite comes up. Maybe you are so anxious about your lack of budget that you don’t even want to check your account balance.

Feedback is a new way to help guide you toward better financial health. As Fast Company reports, the Feedback card is designed to be a universal payment card that tells you at a glance exactly how much money you have left to spend in your checking account based on your income and savings goals.

When you press the button on the card, it will tell you how much money you have left to spend today, this week, or this month on a small, calculator-style screen on the top of the card. You link the card to the Feedback app on your phone to update your budget and get a detailed report of your spending.

The idea is that you’ll check your balance before making a purchase, reminding yourself of exactly what you can spend at that time. The ease of checking might help mitigate your financial denial. You just have to press a button, not whip out your credit card and log into your bank app. Studies have found that people tend to spend more when they aren’t dealing with cash, because they don’t have to see exactly how much is left in their wallet.

Whether or not people will use the budget gauge seems up for debate. If you are already avoiding looking at your bank account so that you can justify impulse spending, you may not want to look at those numbers directly on your card, either. But if Feedback can convince you to check in with your budget before every purchase, it may lead to savings—if you can avoid the very real temptation of going into debt for impulse purchases.

The Feedback card, from the nonprofit design firm Ideas42, is still a prototype. Rather than sell the cards, according to Fast Company, the designers are hoping to share the open-source design with credit card companies, financial institutions, and anyone else who wants to use it to help people be more financially responsible. So it might be coming to a credit card near you—which could potentially help you improve your credit score.

[h/t Fast Company]

12 Perfectly Spooky Halloween Decorations Under $25

Amazon/shopDisney
Amazon/shopDisney

Halloween is right around the corner—which means it’s officially time to bring out the jack-o'-lanterns, watch scary movies, buy your costume(s), and hang up your festive decorations. Although there are thousands of decorations to choose from, you don’t have to blow your budget while decking out your house or apartment in honor of the spooky season this year. With a little guidance, you'll find plenty of ways to create the perfect ambiance at home without going for broke. (And best of all, you can put the money you saved toward extra Halloween candy to stash away.)

From giant spiders to hanging ghosts and lawn decorations, here are a few of our favorite props under $25.

1. Halloween Pillow Covers (4-Pack); $17

ZJHAI/Amazon

These adorable Halloween-themed pillowcases make the perfect accessory for any couch, sofa, or mattress. Made with thick linen fabric, these are durable, sturdy, and designed to last for seasons to come. (Tip: To prevent the zipper from breaking, fold the pillow in half before inserting.)

Buy it: Amazon

2. Black Lace Spiderweb Fireplace Mantle; $12

Aerwo/Amazon

This versatile spiderweb prop is made with 100-percent polyester, and its knit lace spiderweb pattern adds a spooky touch to any home. Display it on your doorway, across your fireplace mantel, or atop your table. (It also makes a great backdrop for Halloween photo ops.)

Buy it: Amazon

3. Statement Halloween Signs; $16

Dazonge/Amazon

These festive, statement-making banners come pre-assembled, making them incredibly easy to install. They’re also weather-resistant and washable for both outdoor and indoor use. Use tape, push-pins, or weights to prevent the signs from blowing away.

Buy it: Amazon

4. Jack Skellington and Sally Plush Dolls; $23 (Each)

Disney

Celebrate your favorite holiday with a pair of adorable Jack Skellington and Sally plush dolls from Tim Burton’s The Nightmare Before Christmas. Jack stands at 28 inches tall, while Sally is a bit shorter at 21 inches. Set them up on your sofa or against the window sill for all to see.

Buy them: Disney Shop (Jack and Sally)

5. Halloween Zombie Groundbreaker; $22

Joyin/Amazon

This spooktacular zombie lawn decoration is sure to scare all of your friends, family, and neighbors alike. Made with a combination of latex, plastic, and fabric, this durable Halloween prop is sure to last for years to come.

Buy it: Amazon

6. Hanging Ghost Decoration; $14

Moon Boat/Amazon

Drape this handmade, 14-foot-long hanging ghost decoration over your porch, doorway, or window. You can also hang it outdoors over a tree or a (very tall) bush. And, since it comes pre-assembled, you won’t have to waste time constructing it yourself.

Buy it: Amazon

7. Two-Piece Hanging Ghost Set; $17

GeeFuun/Amazon

This pair of ghosts adds a whimsical touch to any home. While they’re not “scary,” per se, they certainly are adorable. Display them in your front yard, on your porch, on a lamppost, or a tree. To hang, simply tie the ribbons and bend the wires, arms, and tails.

Buy it: Amazon

8. Pumpkin String Lights; $19

Eurus Home/Amazon

Not only are these solar-powered, 33-foot-long LED string lights good for the environment, they’re also incredibly easy to install (no long, tangly power cable chords necessary). Since they’re waterproof, you can use them both indoors and outdoors. Choose from eight different light settings, including twinkling, flashing, fading, and more.

Buy it: Amazon

9. Inflatable Ghost; $22

Joiedomi/Amazon

This adorable inflatable ghost (which dons a cute-as-can-be wizard hat!) features built-in LED lights and sandbags to help it stay sturdy. It also comes complete with a plug, extended cords, ground stakes, and fastened ropes. Simply plug it in and watch it magically inflate within just a few minutes.

Buy it: Amazon

10. Graveyard Tombstones; $17

meiguisha/Amazon

Turn your front lawn into a graveyard with this six-piece set. Each tombstone is made with foam and designed to add a touch of spookiness to your space. To install, insert one holder into the bottom of the tombstone, and one into the soil. You can use these indoors, as well.

Buy it: Amazon

11. 10-Piece Skeleton Set; $24

Fun Little Toys/Amazon

This skeleton set includes a skull, hands and arms, and legs and feet—plus five stakes to hold everything in place. Each “bone” and “joint” is flexible, allowing you to prop the skeleton into different frighteningly fun poses. Simply place the stakes into the bone socket and turn clockwise.

Buy it: Amazon

12. Outdoor Spider Web; $18

amenon/Amazon

This giant, ultra-stretchy spider web spans a whopping 23 feet. It also includes a 30-inch black spider, 20 pieces of fake spiders, one hook, and one nail. Its thick polyester rope—combined with the sturdy stakes—allows the spider web to stay in place all season long. Place the hook on a wall or tree, and expand the web using the stakes.

Buy it: Amazon

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Norwegians May Hold the Secret to Braving a Winter Lockdown

Some people can change their winter mindset.
Some people can change their winter mindset.
Imgorthand/iStock via Getty Images

A combination of COVID-19, the flu, cold weather, shorter days, and spending time indoors already has some Americans dreading the winter season. Health experts have also expressed concern over peoples' mental well-being, as opportunities to engage socially continue to be limited. In August, a Centers for Disease Control survey revealed that 41 percent of respondents were dealing with mental health issues due to the pandemic.

But the prospect of a long and isolating winter isn’t without precedent. In Tromsø, Norway, residents are virtually without sun from mid-November through mid-January. And they might hold the key to coping with the season.

Writing for The Guardian, David Robson recently profiled Kari Leibowitz, a psychologist who visited Tromsø to better understand why its citizens are, broadly speaking, pretty happy people despite the harsh weather and lack of sunlight. What Leibowitz discovered was that the people of Tromsø don’t dread the polar night—they look forward to it.

Leibowitz found that their appraisal of a “lockdown” wasn’t at all downcast. Instead of applying negative thoughts to it, they considered all the things that would bring them comfort. Using a “mindset scale,” respondents who stated they enjoyed certain aspects of winter, cozy time spent indoors, and seasonal changes were comfortable. Those who considered winter boring or limiting were more likely to be unhappy.

Anecdotally, Leibowitz also found that residents of Tromsø were genuinely excited about the opportunities the season brings, from skiing to resting under a blanket. Rather than feel restricted, they opted to appreciate what was possible.

"Most people don’t realize that their beliefs about winter are subjective,” Leibowitz said. “They feel like they’re just someone who hates the winter and there’s nothing they can do about it ... But once you put it in people’s heads that mindsets exist, and that you have control over your mindset ... I think that that’s tremendously powerful."

For some people, like those with Seasonal Affective Disorder (SAD), a change in attitude isn't so easy. But for others, shifting their thinking away from a cold and dark season to one full of potential might be one way to find the warmth in winter.

[h/t The Guardian]