By ADRIANA MORGA

NEW YORK (AP) — The holiday season means time with family and new memories, but it can also mean lots of spending — sometimes too much.

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From gifts to travel plans to grocery shopping, costs can pile up and become overwhelming, especially in a difficult economic environment. Holiday shopping can bring joy, but it’s important to stick to a budget and avoid going into debt, said shopping expert Trae Bodge.

“I’m really emphasizing that shoppers look for ways to save as much as possible this season. So we don’t bring that debt into the next year,” Bodge added.

Here are some expert recommendations to make the most out of your budget this holiday season:

Plan your gift list and shop around

Planning your gifts as far in advance as possible can be a great way to save money, since it gives you more time to compare and shop around, said Kiersti Torok, a social media content creator known on Instagram and TikTok as Torok Coupon Hunter.

Torok plans her shopping months in advance. She buys the chocolate and candy for her children’s Christmas stockings right after Halloween, when they’re on sale. And it’s not too early to think about next year — her Christmas decorations are always bought on clearance, especially after Christmas.

“If you wait until two, maybe three, days after Christmas. Things will start to hit 75% off. And that’s when I shop for my kid’s birthdays, because they’re in July,” Torok said.

Compare prices

When you’re looking to buy a gift, Bodge recommends comparing prices with other stores, looking for coupons, and signing up for emails from your favorite stores. That way, you can buy the item when it’s at its lowest price.

“I’m always looking for maybe a coupon code, so I can save a certain percentage off. Or I can earn cash back or get a free shipping offer. I really believe in those tools and use them every single time I shop,” Bodge said.

To find deals more easily, Bodge recommends installing browser extensions on your computer. Some of her favorites are PayPal Honey and Rakuten.

Lately, Bodge has also noticed the increasing use of artificial intelligence to both find holiday gift ideas and sales. However, AI search engines are not very good at finding up-to-date deals, she said. Bodge recommends that you search for deals on the store’s website or on sites like RetailMeNot.

If you can’t find an item on sale, find a coupon, or wait to see if you can find it cheaper somewhere else.

Save on groceries by using coupons

If you’re the host of your family’s holiday celebration, you might be rushing between going to the grocery store, cooking a large meal and decorating your house. But, it’s best if you don’t let the holiday rush distract you from saving on groceries. Coupons are a great way to reduce costs so you can keep your meals on budget, and possibly use that money for other expenses. Most grocery stores offer coupons, either in paper form, on their website, or in their apps.

Couponing can be time-consuming, but the tradeoff can be saving hundreds of dollars on groceries, according to Torok. If you’re trying couponing for the first time, she recommends taking small steps.

“If you’re looking to save money and you never couponed before, my biggest advice is to pick your favorite store you’re most comfortable with and download their app,” Torok said.

Once you feel comfortable using coupons with your preferred store, Torok recommends that you start comparing prices with other stores near you. This way you can shop for the best deals and save money.

If you’re looking to maximize your savings, she also recommends taking advantage of websites that give you cash back on your grocery shopping. Examples include Top Cash Back and Ibotta.

Buy in bulk and stock up on groceries

When preparing for your big holiday meal, a useful tactic to save is to buy in bulk and then freeze it for when you need it, recommended Alli Powell, grocery shopping expert.

“Anything that you can stock up on and freeze at a (lower) price point, then take it out of the freezer to use later, it’ll be such a benefit. This is something I try to do year-round,” said Powell, who hosts Grocery Getting Girl, a blog and Instagram page dedicated to budget-friendly grocery shopping.

Large grocery stores typically offer sales around Thanksgiving, Christmas and New Year’s, and this can be a perfect opportunity to buy in bulk and put it away for another time, Powell said.

Be careful with store credit cards and buy now, pay later deals

Proceed with caution when it comes to acquiring store credits cards or making purchases using buy now, pay later. If you’re shopping in person this holiday season, you’ll likely be offered a store credit card at checkout, often paired with a large discount on your current purchase.

Bodge recommends that you only get a store credit card if you know you can pay it off in full each month and have good credit card habits.

“If there’s a retailer that you shop with regularly and you are responsible with your credit cards, opening a credit card can be very beneficial,” Bodge said.

If you decide to acquire a store credit card, it’s important that you know how much interest will be charged. Store credit cards, like traditional credit cards, affect your credit score.

Similarly, making purchases using buy now, pay later is only recommended when you are sure you can afford to make all the payments on time. Buy now, pay later loans were not previously reported to the three major credit reporting bureaus, but consumers will soon see the them impact their FICO credit scores.

When it comes to travel, flexibility pays

A common mistake when making travel plans is to not allow yourself much flexibility on your flights, said Kyle Potter, editor of Thrifty Traveler, a travel and flight deal website. To save money on your travel, first book the flights and then the rest of the accommodations, that way you can allow yourself to be as flexible as possible with the dates of your flights.

“Start with the flights first, because that gives you the freedom to shift your travel dates by even just a day. Especially over the holidays,” Potter said.

Potter recommends that you track prices and set alarms for flights on Google Flights.

The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.

For labor organizing, Texas was long dismissed as a forlorn place.

“Right-to-work” laws restrict organizing here, most public-sector workers can’t collectively bargain or strike, and local governments are broadly banned from passing their own worker rights ordinances.

Yet total membership in Texas unions has been growing. According to data from the Bureau of Labor Statistics, 603,000 Texans belonged to unions in 2024, up from closer to half a million a decade ago (though the union density rate has remained steadier below five percent). For the past eight years, Rick Levy steered this growth as the president of the Texas AFL-CIO and as secretary-treasurer for the prior two. He retired in early December, concluding three decades of work with the state labor federation. 

“My reasons for retirement are many, (including that I am old AF),” Levy, who’s 68, wrote in his announcement. 

Levy often joked around and downplayed his role as he spoke with me about his long career in the Texas labor movement. Even though he’s been a lawyer for much of his life, he acts and talks more like an organizer, always using the word “we” when referring to the organization’s accomplishments. It was his vision to broaden the leadership of the organization that has helped shape how the state federation has developed. And it was the wave of movements from the 1960s to today that shaped Levy’s leadership at the Texas AFL-CIO. 

Levy on the picket line in the 1990s (Courtesy/Texas AFL-CIO)

As a child, Levy grew up in St. Louis, Missouri, when the city’s Black community was fighting to integrate the school district. “You can’t grow up in an environment like that and not have it touch you,” Levy said. 

When student protests roiled college campuses in the 1970s, Levy participated in sit-ins at Stanford University to demand the school divest from its interests in apartheid South Africa and ensure equal employment and pay for Black workers on campus. Even as the police stormed onto the campus to remove protestors, Levy and other students refused to budge. This incident and successive protests landed him in jail several times. After graduating, he went through a series of jobs—as a school bus driver, delivery truck driver, and a bookstore cashier—to support what he calls his “main job”: organizing. 

Inspired by the courtroom battles he witnessed, Levy graduated from law school and found his way to Tyler to work as a civil rights and labor attorney. The Piney Woods region has a long history of civil rights and labor struggles. The area was the site of the Texas Sick Chicken Strike in the 1950s, the women workers’ strike at the leather products Schoellkopf plant in 1979, and the Goodyear Tire plant strike in 2006. Daves, McCabe & Hahn, the law firm where Levy worked, was well known for its work in landmark civil rights cases, such as Plyler v. Doe, the 1982 Supreme Court case that forbade states from denying children a free public school education based on immigration status. The case’s presiding U.S. district judge, William Wayne Justice, who also ordered the Texas Education Agency to desegregate public schools and the Texas prison system to reform its conditions, was based in Tyler. 

“There was a small group of progressive folks who were trying to change the world … and they took me under their wings,” Levy said. 

Then Ronald Reagan became president. When Reagan launched his onslaught against workers’ rights, Levy decided it wasn’t enough to fight in the courts.  

“We had been on the cutting edge, making changes, and then as kind of the political climate changed … the law wasn’t really making the kind of impact that I wanted,” Levy said. “When I came to the state [federation], it was because I could be part of the labor movement, which was trying to change the laws and trying to change the politics.” 

In 1990, when Levy joined the Texas AFL-CIO as its legal and education director, union membership in the state was in a deep swoon. From 1964 to 1984, Texas union density fell from 14 percent to 8 percent and continued dropping after that. Levy recalled the state federation employed only ten staff members then, mostly men and mostly white. Much of its work revolved around politicking and lobbying members of the Democratic Party, then in its final years of ruling Texas. 

“Rick saw early on that it was going to be a while before we started winning statewide elections again,” said the Texas AFL-CIO’s former communications director Ed Sills, who worked with Levy for three decades before retiring last year, added that Levy could always find “opportunity in crisis.” 

Even as organized labor’s power at the state Capitol waned, Sills said Levy “believed we could do more” than engage in state politics and rejuvenated the state federation’s worker education and leadership training programs. “Rick understood that if you want to have a movement that lasts, you need to constantly be developing new leadership.”

Levy in 2011 (Courtesy/Alan Pogue via Texas AFL-CIO)

When Levy became president, he’d also recruited Montserrat Garibay, who was elected secretary-treasurer. It was the first time a Hispanic person served as an officer for the state federation. 

“He saw something in me that I didn’t even realize,” Garibay said, calling Levy “a great mentor.” At the time, Garibay was the vice president of Education Austin, an affiliate of the Texas American Federation of Teachers and, before that, a bilingual kindergarten teacher. “I wasn’t the usual candidate. I was a leader with a funny name, with an accent, an immigrant, but he really embraced that,” she said. After more than three years in the role, Garibay was handpicked by the Biden administration for a role with the U.S. Department of Education. Today, she’s running in the Democratic primary for Texas House District 49, an open seat in Austin. 

During his tenure, Levy expanded the federation’s executive board and staff and included more women and people of color. He formed the annual Women’s Summit for women organizers, which shaped the organization’s priorities on issues such as reproductive freedom. And he created a program to train young activists to become labor organizers. Levy said his “greatest day” was when these young organizers shooed him out of that group’s annual meeting so they could lead the discussion.

But his efforts to broaden union membership encountered opposition at times. Levy said that back when he joined, “A pretty broad section of the movement, if you asked them what their immigration stance was, would say to call the immigration authorities. It was an us versus them perspective.”  Under Levy, the federation started conducting citizenship clinics across Texas, a project Garibay had started in Austin. Leaders educated members on why solidarity with immigrant workers was critical to building the labor movement. As a result, members started volunteering in the clinics. “Through some really difficult conversations, a number of unions took the lead saying, ‘All workers are part of the working class and all workers deserve representation.’ And we started to organize in a way that was much less exclusionary,” Levy said. 

“He saw a different future for the Texas AFL-CIO,” Garibay said, “where all of us can be welcomed, and all of us can be part of the labor movement.”

Efforts to grow the leadership and membership from the bottom up helped bring about successful organizing campaigns for local affiliates in the past few years. In 2022, nurses at Ascension Seton Medical Center in Austin voted to join the National Nurses Union. Workers at major Texas news publications, including the Dallas Morning News, The Texas Tribune, and the Austin American-Statesman have successfully unionized in recent years. And in Houston, Hilton hotel workers with UNITE HERE Local 23 won a new contract on October 10, guaranteeing a $20 per hour minimum wage, stronger safety protections, and less workload after striking for 40 days. 

Levy said that, unlike traditional labor struggles, these organizing campaigns were moving beyond economic demands to battles for the public good. Nurses organizing demanded less workload to protect patients’ safety; reporters exposed how media monopolies were “gutting their ability” to cover important stories; and teachers denounced the “underfunding and the hollowing out of our public education system for Greg Abbott’s voucher scam,” Levy said. He believes this unity between workers and the community is why public opinion of unions is so high now. 

These recent unionizing victories in Texas are catching national attention. “Everyone has always known the power that Texas workers have, but it hasn’t been until recently, and especially with strong leadership, that we’ve been able to organize in some new and different ways to leverage power and strength using creative tactics. It’s taken some time, but the National has definitely taken notice,” said Liz Shuler, president of the national AFL-CIO. She added that the national organization has been investing more resources in Texas, especially with Levy’s efforts to strengthen regional labor federations within the state. 

Austin Congressman Greg Casar worked together with Levy on various pro-labor policy fights at the local, state, and federal levels. “No one has done more than Rick Levy for the modern-day labor movement in Texas,” Casar said. 

Levy at a Capitol rally this year (Courtesy/Texas AFL-CIO)

When I asked others what it is they will miss the most about working with Levy, Casar, Shuler, and other federation leaders mentioned how Levy opened each meeting with a snarky quip or welcomed new leaders by warning them, “Don’t screw it up!” Sills recalled how Levy turned some staff meetings into informational scavenger hunts. “He put people at ease through humor,” Sills said. 

When I asked Levy what he’s most proud of from his tenure as president of the Texas AFL-CIO, he spoke again of the organization’s new leadership. The federation’s new president is Leonard Aguilar, a San Antonio union plumber, who became a leader in the trade unions, then secretary-treasurer of the state federation. Lorraine Montemayor, a state employee who, through the federation’s leadership training program, became an organizer with the Dallas American Federation of Teachers and then the political director for the Dallas AFL-CIO, is now the secretary-treasurer. It will be the first time that two Latino leaders will helm the Texas AFL-CIO.  

“For any organizer, their number one job is to organize themselves out of a job. And I feel like I’ve done that,” Levy said. “They’re going to be able to take it to places that I could never even imagine.”

Levy is leaving the Texas AFL-CIO during another historical onslaught against workers. This time, Levy said, the federation is organized. He reminds Texas workers, “The cavalry is not riding in to save us. To the extent we’re going to get saved, it’s because we’re going to organize and we’re going to stand with each other.”

The post At the Texas AFL-CIO, a Changing of the Guard in a Time of Growth appeared first on The Texas Observer.

Though I tend to think it’s usually a waste of space to devote a column to President Donald Trump’s personality — what more is there to say about the character of this petty, hollow, squalid, overstuffed man? — sometimes the point bears stressing: We are led by the most loathsome human being ever to occupy the White House.

Markets will not be moved, or brigades redeployed, or history shifted, because Rob Reiner and Michele Singer Reiner were found stabbed to death Sunday in their home in Los Angeles, allegedly at the hands of their troubled son Nick.

But this is an appalling human tragedy and a terrible national loss. Reiner’s movies, including “Stand by Me,” “The Princess Bride” and “When Harry Met Sally…,” are landmarks in the inner lives of millions of people; I can still quote by heart dialogue and song lyrics from his 1984 classic, “This Is Spinal Tap.” Until last week, he and Michele remained creative forces as well as one of Hollywood’s great real-life love stories. Their liberal politics, though mostly not my own, were honorable and sincere.

To which our ogre in chief had this to say on social media:

“A very sad thing happened last night in Hollywood. Rob Reiner, a tortured and struggling, but once very talented movie director and comedy star, has passed away, together with his wife, Michele, reportedly due to the anger he caused others through his massive, unyielding and incurable affliction with a mind crippling disease known as TRUMP DERANGEMENT SYNDROME, sometimes referred to as TDS. He was known to have driven people CRAZY by his raging obsession of President Donald J. Trump, with his obvious paranoia reaching new heights as the Trump Administration surpassed all goals and expectations of greatness, and with the Golden Age of America upon us, perhaps like never before. May Rob and Michele rest in peace!”

I quote Trump’s post in full not only because it must be read to be believed, but also because it captures the combination of preposterous grandiosity, obsessive self-regard and gratuitous spite that “deranged” the Reiners and so many other Americans trying to hold on to a sense of national decency. Good people and good nations do not stomp on the grief of others. Politics is meant to end at the graveside. That’s not just some social nicety. It’s a foundational taboo that any civilized society must enforce to prevent transient personal differences from becoming generational blood feuds.

That is where history will record that the deepest damage by the Trump presidency was done. There is, as Adam Smith said, “a great deal of ruin in a nation,” by which he meant that there are things in almost any country that are going badly wrong but can still be mended. Foolishly imposed tariffs can be repealed. Hastily cut funding can be restored. Ill-thought-out national security strategies can be rewritten. Shaken trust can be rebuilt between Washington and our allies.

But the damage that cuts deepest is never financial, legal or institutional. As one of Smith’s greatest contemporaries, Edmund Burke, knew, it lies in something softer and less tangible but also more important: manners. “Manners are what vex or soothe, corrupt or purify, exalt or debase, barbarize or refine us,” Burke wrote. It is, he warned, through manners that laws are either made or unmade, upheld or corrupted.

Right now, in every grotesque social media post; in every Cabinet meeting devoted, North Korea-like, to adulating him; in every executive-order-signing ceremony intended to make him appear like a Chinese emperor; in every fawning reference to all the peace he’s supposedly brought the world; in every Neronic enlargement of the White House’s East Wing; in every classless dig at his predecessor; in every shady deal his family is striking to enrich itself; in every White House gathering of tech billionaires paying him court (in the literal senses of both “pay” and “court”); in every visiting foreign leader who learns to abase himself to avoid some capricious tariff or other punishment — in all this and more, our standards as a nation are being debased, our manners barbarized.

I wonder if we are ever getting them back — and if so, what will it take. As Trump was unloading on Reiner, James Woods, probably the most outspoken Trump supporter in Hollywood, lovingly remembered Reiner as a “godsend in my life” who saved his acting career when it was at a low point 30 years ago.

“I think Rob Reiner is a great patriot,” Woods said Monday on Fox News. “Do I agree with some of, or many of, his ideas on how that patriotism should be enacted, to celebrate the America that we both love? No. But he doesn’t agree with me either, but he also respects my patriotism.” Woods is right, but how that spirit of mutual respect and good faith can be revived under a man like Trump is a question he and the rest of the president’s supporters might helpfully ask of themselves.

The Reiner murders took place on the same weekend that an assailant, still at large, murdered two students at Brown University, and when an antisemitic massacre at Bondi Beach in Sydney gave every Jew in America a pit-of-our-stomachs sense that something like it may soon happen here again, as it did in Pittsburgh seven years ago. It’s been only three months since Charlie Kirk was shot in cold blood in Utah, and barely a year since health care executive Brian Thompson was murdered in Manhattan by an alleged assailant who is now a folk hero to the deranged reaches of the left.

This is not a country on the cusp of its “Golden Age,” to quote the president, except in the sense that gold futures are near a record high as a hedge against inflation. It’s a country that feels like a train coming off the rails, led by a driver whose own derangement was again laid bare in that contemptible assault on the Reiners, may their memories be for a blessing.

Happy Hanukkah, I guess.

Bret Stephens writes a column for the New York Times.

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