How to Set Goals, Build a Budget and Save is an online workshop with JPMorganChase’s Oakland Community Center on Friday, Aug. 29, 6-7 p.m., open to all. Register online. Budgeting is a useful tool to ...

Budgeting is often associated with spreadsheets, strict rules, and constant sacrifice. As a result, many people avoid it altogether. In reality, a budget is simply a plan for how money will be used.