Here's a sample budget for someone making $35,000 per year

Budgets come in many shapes and sizes.

Don't be discouraged if your numbers are tight at first. The more you track your spending and keep an eye on it, the better you'll be at getting more out of your money.

There are countless free or affordable tools if you prefer tech-savvy solutions, but the 50-30-20 rule can be a quick and easy option to get your finances under control.

And it's pretty straightforward: You split your money between your needs, wants and savings, according to those ratios.

Here's a case study.

CNBC crunched the numbers, and we can give you an idea of what your budget should look like if you make $35,000 per year. Check out this video for a step-by-step guide to making a budget that will work for you.

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Multiple police cars respond to firearms incident in Māngere

Armed police are responding to a firearms related incident in Counties Manukau.

Members of the Armed Offenders Squad have been seen racing to Māngere where up to 16 police cars are gathered in Henwood Rd.

Police first arrived in the residential street just before 2pm and the Eagle helicopter is circling above the street.

Locals have told the Herald armed police can be seen gearing up.

More to come.

Opinion | Disaster in Afghanistan Will Follow Us Home

By Bret Stephens

Opinion Columnist

Herald afternoon quiz: August 16

Test your brains with the Herald’s afternoon quiz. Be sure to check back on nzherald.co.nz for the morning quiz tomorrow.

To challenge yourself with more quizzes, CLICK HERE.

Jake Lacy Says Aloha to ‘The White Lotus’

In an interview, the actor discusses the HBO social satire, Sunday’s season finale and the possibility of his returning for Season 2.

By Jennifer Vineyard

Blount Fine Foods Recalls Chicken Tortilla Soup Products

McKinney, Texas -based Blount Fine Foods is recalling around 6,384 pounds of chicken tortilla soup products citing the potential contamination with extraneous material, specifically pieces of gray nitrile glove, the U.S. Department of Agriculture’s Food Safety and Inspection Service or FSIS said.

The recall involves 16-oz. plastic containers of “Panera BREAD at HOME Chicken Tortilla Soup” with lot code 070121-1V and “Use By 09/09/2021” on the label. The fully cooked, ready to eat, chicken tortilla soup was produced on July 1.

The affected products bear establishment number “P-13130” inside the USDA mark of inspection. These items were shipped to retail locations in Arizona, Florida, Georgia, and Texas.

The recall was initiated following several consumer complaints reporting pieces of gray nitrile glove in the product.

However, there have been no confirmed reports of adverse reactions due to consumption of these products.

Consumers who have purchased these products are urged to throw them away or return to the place of purchase.

In recent incidents involving possible contamination with extraneous materials, More Than Gourmet, Inc. in April called back around 6,896 pounds of ready-to-eat beef and veal broth and stock products for the potential contamination with hydraulic oil.

What’s on TV This Week: ‘Stand Up to Cancer’ and ‘Nora From Queens’

Common, Stevie Wonder and Brittany Howard are slated to perform at a fund-raiser for cancer research. And Awkwafina’s Comedy Central sitcom returns.

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European Economics Preview: Eurozone Foreign Trade Data Due

Foreign trade data from euro area and unemployment from France are due on Friday, headlining a light day for the European economic news.

At 1.30 am ET, the French statistical office Insee publishes unemployment data for the second quarter. The jobless rate is seen falling to 7.9 percent from 8.1 percent in the first quarter.

At 2.00 am ET, Destatis is set to issue Germany’s wholesale prices for July. Prices had advanced 10.7 percent annually in June.

At 2.45 am ET, the French statistical office Insee is scheduled to issue final consumer price data for July. According to flash estimate, consumer price inflation slowed to 1.2 percent from 1.5 percent in June.

At 3.00 am ET, final consumer prices from Spain and current account data from Turkey are due.

Half an hour later, Statistics Sweden is set to issue consumer price data for July. Economists forecast the inflation to remain unchanged at 1.3 percent in July.

At 4.00 am ET, preliminary GDP and consumer price figures are due from Statistics Poland. The economy is forecast to grow 2.1 percent on quarter in the June quarter after rising 1.1 percent in the first quarter.

At 5.00 am ET, Eurostat is slated to release euro area foreign trade data for June. The trade surplus totaled EUR 7.5 billion in May.