I need to curb my spending. How do I build a budget?

Getting a handle on your spending is really important whether you’re saving for the future or responding to a loss of income due to the coronavirus.

Duke University’s personal finance website can walk you through the steps and offer resources such as free worksheets and recommendations on safe apps for budgeting.

If you’re totally new to budgeting, the Federal Trade Commission covers the basics here, and it's an excellent way to learn more and get started.