Jobs in Saunderstown, RI

If you're ready to explore the rewards and challenges of serving in today's highly-skilled U.S.

Customs and Border Protection, don't miss the live, three-day CBP Career Expo this March 24 – 26 in San Antonio, TX.

Our expansive, in-person hiring event is free and open to all, with registration required in advance.

Event hours will be: March 24 – 25, 2026, 9 AM – 8 PM CT March 26, 2026, 9 AM – 2 PM CT Recruiters will be on hand throughout the event to answer questions and provide valuable input, including resume tips.

Plus, to help accelerate your application process, CBP is also offering onsite application submission.

See what it takes to serve as part of the vital CBP mission, providing security for our nation's borders from those who threaten legitimate trade and travel, safety from harmful substances like fentanyl, and humanitarian aid to those in need.

We will be recruiting for mission-critical roles in both law enforcement and mission operations support.

Federal hiring regulations apply to all mission-critical positions.

At a minimum, U.S.

Citizenship is required.

Federal civil service is a great place to start building a career in law enforcement and learn about the qualifications you'll need to get your career started.

In addition: Border Patrol Agents that are Newly appointed can earn UP TO $60,000 IN INCENTIVES.

Conditions apply.

CBP Officers have UP TO $60,000 IN INCENTIVES available, paid $15,000 per year.

Location based.

Air Interdiction Agents and Marine Interdiction Agents can receive $10,000 incentive upon successful completion of academy.

Specific location and schedule details will be provided to all registered attendees in advance.

Register Today!

About the Role

The Newport Tree Conservancy seeks a motivated, hands-on Field Arborist to help steward

Newport’s urban forest. This outdoor position combines tree care, volunteer leadership, and

community engagement. Ideal candidates enjoy physical work, working with volunteers, and

being outside in all weather conditions.

Primary Responsibilities

• Lead and supervise our Tree Corps volunteer team
• Instruct volunteers in safe tree care practices
• Tree planting, mulching, and maintenance pruning
• Water newly planted trees (pump and water tank operation)
• Evaluate tree health and assist with tree inventory records
• Support nursery operations (repotting, watering, weeding, tree training)
• Assist with public programs, workshops, and community events
• Drive truck and trailer as needed

Qualifications

Required:

• Valid driver’s license with clean driving record
• Ability to pass background check
• Ability to perform physical outdoor work (lifting, bending, standing for extended
• periods)
• Strong communication and leadership skills

Preferred:

• Experience in arboriculture, horticulture, landscaping, or related field
• Basic tree identification knowledge
• Experience supervising volunteers

Work Environment

Work is performed outdoors in varying weather conditions. Reasonable accommodations will be

provided in accordance with applicable law.

Compensation

Hourly, non-exempt position. Pay commensurate with experience and in compliance with Rhode

Island wage laws.

Equal Opportunity Employer

Newport Tree Conservancy is an equal opportunity employer and encourages applicants of all

backgrounds to apply.

To Apply

Email résumé and short cover letter to:

Applications reviewed on a rolling basis.

U.S. Customs and Border Protection (CBP) offers those interested in a career in law enforcement an exceptional opportunity to work with an elite team of highly trained professionals whose camaraderie, pride, and purpose are hallmarks of their daily mission of protecting America. You will be part of the Department of Homeland Security workforce, protecting American interests and securing our nation.

If you are looking for a rewarding career with great pay, benefits, and job stability, now is the time to make your move.

As a Customs and Border Protection Officer (CBPO), you will be part of our 60,000+ workforce that strives to protect the American people by safeguarding our borders, deterring illicit activity, and enhancing the nations economic prosperity. Being a CBPO makes you a valuable member of the Federal Law Enforcement Officer (LEO) profession.

Typical assignments include:

• Enforcing customs, immigration, and agriculture laws and regulations.
• Facilitating the flow of legitimate trade and travel.
• Conducting inspections of individuals and conveyances.
• Determining the admissibility of individuals for entry into the United States.
• Preventing the illegal entry of individuals and prohibited goods and the smuggling of illegal drugs and other contraband.

Duty Locations Incentives available for some locations

You will be asked to provide your preference for one of the following mission-critical locations: (list truncated for brevity include full list in production)

The preference locations listed above are expected to have vacancies available in the future; however, if the duty locations do not have vacancies at the time of your final offer, you may be offered a duty location in another geographic location within the United States.

Salary and Duty Location Recruitment Incentives and Benefits

Annual Base Salary for newly appointed CBPOs varies as follows:
GS-9: $61,111 - $124,443 per year

Note: A fully trained CBPO is eligible for up to $45,000 in overtime pay in addition to the starting salary.

Officers are eligible to select from an array of federal employment benefits that include health, dental and other insurance plans, generous annual and sick leave, and participation in the Thrift Savings Plan.

LOCATION INCENTIVES: If you accept one of the duty locations listed below, you may be eligible to receive an additional 15%-25% of your salary each year for the first three (3) years of employment in addition to any overtime pay. Some locations may offer 25% for four (4) years.

Duty locations offering 25% recruitment incentives: Otay Mesa, San Francisco, San Ysidro, and Tecate, CA; Key West, FL; etc.

Duty locations offering 15% recruitment incentives: Honolulu, HI; Portal, ND; etc.

Duty location offering 10% recruitment incentives: Calexico, CA

Qualifications:

You qualify for the GS-9 grade level in one of the following ways: experience, education, or a combination of both.

Experience: A minimum of one (1) year of specialized experience equivalent to at least the next lower grade level that includes:

• Detaining suspected violators of federal, state, or local laws and/or arresting violators using the proper law enforcement methods.
• Enforcing laws and regulations relating to importing, exporting, and/or international shipping.
• Utilizing intelligence techniques and behavior analysis to identify potential threats.
• Conducting interviews in a law enforcement capacity.

Education Substitution: A master's (or higher) degree or an LL.B. or J.D. from an accredited college or university; OR

Combination of Experience and Education: A combination of specialized experience AND successfully completed graduate-level education.

Other Requirements:

• Citizenship: Must be a U.S. Citizen.
• Residency: Primary U.S. residency for at least three of the last five years.
• Age Restriction: Must be referred before your 40th birthday (some exceptions apply).
• Veterans Preference: Eligible veterans may qualify for excepted service appointment.

Formal Training: Includes two-week orientation and 101-day academy at FLETC in Glynco, GA. Spanish training may be required for certain locations.

How to Apply:

Click the Apply button on this site. Youll be directed to the CBP Talent Network page. Select "Customs and Border Protection Officer" as your Position of Interest. Youll receive a link to the official job posting on USAJOBS to complete your application. Be sure to follow all instructions.

As a subscriber to the CBP Talent Network, youll receive monthly emails with updates and opportunities.

• Government & Military

Date Posted:

Country:

Location:

Position Role Type:

U.S. Citizen, U.S. Person, or Immigration Status Requirements:

Security Clearance Type:

Security Clearance Status:

At Raytheon, the foundation of everything we do is rooted in our values and a higher calling – to help our nation and allies defend freedoms and deter aggression. We bring the strength of more than 100 years of experience and renowned engineering expertise to meet the needs of today’s mission and stay ahead of tomorrow’s threat. Our team solves tough, meaningful problems that create a safer, more secure world.  

The Raytheon Mechanical Engineering (ME) Organization leads the mechanical hardware design, development and production support of a wide breadth of air, land, sea, and space systems.  The ME team strives to be the premier organization for mechanical design and development through our world class people and technology - creating trusted, innovative solutions to make the world a safer place.  ME’s capabilities encompass a broad range of technical disciplines which include engineering, technical services, materials, processes, analysis, test, and documentation.

Within the ME Organization, the Undersea, Sensors & Structures (USS) Department leads the mechanical design, development, and integration of a set of products, including but not limited to undersea sensors and analysis, naval platforms, shipboard/ground-based processing and power equipment, and launchers. 

The USS department is looking for a full-time Mechanical Engineer II, located in Portsmouth, RI.

What You Will Do:

• Perform mechanical design, development, and documentation of components, sub-assemblies, and major end items for defense system equipment in accordance with system requirements.

• Collaborate across multiple disciplines/functions (i.e. structural/thermal analyses and electrical engineering) to solve complex technical challenges in a fast-paced, team environment.

• Validate design fit and functionality by rapid prototyping and/or simulation

• Support the factory and suppliers with product integration

• Participate in design peer reviews, resolving action items, and conduct trade studies to make sound technical decisions.

• Occasional CONUS travel to customer sites or suppliers is generally required.  International and longer duration travel assignments are available but optional

Qualifications You Must Have:

• Typically requires a Bachelor's Degree in Science, Technology, Engineering, and Mathematics (STEM) and a minimum of 2 years of prior relevant experience. An advanced degree in a related field may be substituted.

  Minimum of 2 years of experience in mechanical design, documentation and fabrication. 

• The ability to obtain and maintain a U.S. government issued security clearance is required. U.S. citizenship is required, as only U.S. citizens are eligible for a security clearance.

Qualifications We Prefer:

• Experience in the specification, design, development, production and testing of undersea systems and electronics packaging. Knowledge of design for long term submergence, sealing, and corrosion resistance.

• Experience on DoD programs.

• Experience with PTC CREO and PDM.

• Experience with ANSI/ASME Y14.5 GD&T experience.

• Experience managing financial and schedule performance of mechanical tasking.

• Working knowledge of Military and Commercial Specifications.

• Demonstrated ability to solve difficult problems while working as part of a team

• Strong written and verbal communication skills.

• Experience with configuration management systems.

• Experience with 3-D modeling software

• Experience with creating engineering drawings/prints

• Experience with metal fabrication and/or assembly joining techniques (fasteners, rivets, inserts), or welding and/or bonding.

RTX Corporation is an Aerospace and Defense company that provides advanced systems and services for commercial, military and government customers worldwide. It comprises three industry-leading businesses – Collins Aerospace Systems, Pratt & Whitney, and Raytheon. Its 185,000 employees enable the company to operate at the edge of known science as they imagine and deliver solutions that push the boundaries in quantum physics, electric propulsion, directed energy, hypersonics, avionics and cybersecurity. The company, formed in 2020 through the combination of Raytheon Company and the United Technologies Corporation aerospace businesses, is headquartered in Arlington, VA.

The following position is to join our RTX Corporate, Enterprise Services, Research Center or BBN team:

What We Offer:

• Our values drive our actions, behaviors, and performance with a vision for a safer, more connected world. At RTX we value: Trust, Respect, Accountability, Collaboration, and Innovation.

Learn More & Apply Now!

• RTX solves some of the toughest challenges in aerospace and defense. That requires expansive thinking and bold innovation.

• Please consider the following role type definition as you apply for this role.

  • Onsite: Employees who are working in Onsite roles will work primarily onsite. This includes all production and maintenance employees, as they are essential to the development of our products.

As part of our commitment to maintaining a secure hiring process, candidates may be asked to attend select steps of the interview process in-person at one of our office locations, regardless of whether the role is designated as on-site, hybrid or remote.

RTX is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability or veteran status, or any other applicable state or federal protected class. RTX provides affirmative action in employment for qualified Individuals with a Disability and Protected Veterans in compliance with Section 503 of the Rehabilitation Act and the Vietnam Era Veterans’ Readjustment Assistance Act.

Privacy Policy and Terms:

Click on this link to read the Policy and Terms

Date Posted:

Country:

Location:

Position Role Type:

U.S. Citizen, U.S. Person, or Immigration Status Requirements:

Security Clearance Type:

Security Clearance Status:

At Raytheon, the foundation of everything we do is rooted in our values and a higher calling – to help our nation and allies defend freedoms and deter aggression. We bring the strength of more than 100 years of experience and renowned engineering expertise to meet the needs of today’s mission and stay ahead of tomorrow’s threat. Our team solves tough, meaningful problems that create a safer, more secure world.  

The Raytheon Hardware Engineering Organization leads the hardware design, development and production support of a wide breadth of air, land, sea, and space systems.  The Hardware Engineering team strives to be the premier organization for mechanical design and development through our world class people and technology - creating trusted, innovative solutions to make the world a safer place.  Hardware Engineering’s capabilities encompass a broad range of technical disciplines which include engineering, technical services, materials, processes, analysis, test, and documentation.

Within the Hardware Engineering Organization, the Undersea & Electronics Systems (UES) Department leads the mechanical design, development, and integration of products, including but not limited to undersea sensors and analysis, naval platforms, shipboard/ground-based processing and power equipment, and launchers. 

The UES department is looking for a full-time Engineering Services Staff Technician.  This role will be on-site and located in Portsmouth, RI. 

What You Will Do

• Work under moderate supervision with acoustic engineers to perform in-water acoustic sensor testing at our acoustic test facility
• Work with engineers to rig and fixture acoustic sensors and configure test equipment in support of in-water test events.
• Perform crane operations to rig and position engineering test articles and hydrophones/projectors within the test facility.
• Build and provide in-process test of acoustic sensors, including fine-pitch soldering, working with adhesives and chemicals, manufacturing tooling, curing cycles, fiber optics and general mechanical work.
• Work with facilities personnel to ensure day-to-day operation of test tank equipment, such as water filtration, overhead cranes and plumbing systems.
• Ensure engineering work in the test facility is conducted in accordance with lab operating procedures and company policy.
• Work with limited supervision and meet commitments for identified schedule, financial, and technical goals.
• Assimilate data packages for devices tested and make them available for cognizant engineering personnel.
• Provide written communications of work accomplished and any pertinent issues encountered to designated managerial and subject matter experts

Qualifications You Must Have

• Typically requires an AA/AS degree (or other 2-year post high school training) with a minimum of 6 years of relevant experience.
• Experience with performing technician work in an engineering and/or production test environment.
• Experience with the use of typical benchtop electronic test equipment inclusive of oscilloscopes, voltmeters, impedance analyzers and amplifiers.
• Experience with the following processes or similar; adhesive bonding, chemical mixing, encapsulation, paint application, chromate touch up, vapor degreasing, die grinding, sanding, mechanical press, oven curing, vacuum bagging, vacuum chambers, micro/grit-blast, fiber optic splicing.
• The ability to obtain and maintain a U.S. government issued security clearance is required. U.S. citizenship is required, as only U.S. citizens are eligible for a security clearance.

Qualifications We Prefer

• Existing U.S. government issued security clearance at the Top-Secret level
• Experience with in-water acoustic sensor builds, processes and/or testing
• Possess RI and/or MA state issued overhead crane license and experienced with overhead crane operations and rigging
• Demonstrated ability to solve difficult problems while working as part of a multi-discipline team
• Possess an ability to read and execute instructions provided via technical documents and seek clarifications when needed
• Strong communication skillset with ability to articulate, in both oral and written form, to technical, non-technical and management audiences
• Familiarity with the general use of Microsoft Office products with an emphasis on the EXCEL and WORD applications
• Demonstrated expertise in the area of mechanical assembly use of standard mechanics tooling.

What We Offer

• Our values drive our actions, behaviors, and performance with a vision for a safer, more connected world. At RTX we value: Safety, Trust, Respect, Accountability, Collaboration, and Innovation.
• Relocation Eligibility
• Employees who are working in Onsite roles will work primarily onsite. This includes all production and maintenance employees, as they are essential to the development of our products.

As part of our commitment to maintaining a secure hiring process, candidates may be asked to attend select steps of the interview process in-person at one of our office locations, regardless of whether the role is designated as on-site, hybrid or remote.

RTX is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability or veteran status, or any other applicable state or federal protected class. RTX provides affirmative action in employment for qualified Individuals with a Disability and Protected Veterans in compliance with Section 503 of the Rehabilitation Act and the Vietnam Era Veterans’ Readjustment Assistance Act.

Privacy Policy and Terms:

Click on this link to read the Policy and Terms

Border Patrol Agent (BPA)
- Experienced (GL-9 GS-11) NEW RECRUITMENT AND RETENTION INCENTIVES! Check out these higher-salaried federal law enforcement opportunities with the U.S.

Customs and Border Protection.

Your current or prior law enforcement experience may qualify you for this career opportunity with the nation's premier federal agency charged with securing our borders and protecting our country.

You may qualify for these higher-graded Border Patrol Agent (BPA) employment opportunities if you have current or prior law enforcement experience.

This experience could have been gained as part of a military police assignment or as a member of a state or local law enforcement organization.

Look at the duties and responsibilities section below to see if you are interested in these federal law enforcement opportunities and review the qualifications section below to see if you are qualified.

DON'T FORGET TO CHECK OUT THE INCENTIVES – SEE SALARY SECTION BELOW IMPORTANT NOTICE: Duty assignments available at the time of offer may include the Southwest Border, including prioritized locations.

U.S.

Border Patrol determines duty assignments at the time of offer based on operational needs, which may or may not align with candidates' first-choice preferences.

Relocation may be required.

The U.S.

Border Patrol (USBP) offers those interested in a career in law enforcement an opportunity to work with an elite team of highly trained professionals whose camaraderie, pride, and purpose are hallmarks of their daily mission of protecting America.

If you seek an exciting and rewarding job that provides excellent pay and exceptional federal benefits, now is the time to make your move.

U.S.

Customs and Border Protection (CBP) is hiring immediately for these full-time, career Law Enforcement Officer (LEO) opportunities.

Salary and Benefits: Salary for newly appointed law enforcement Border Patrol Agents varies from: Base Salary: GL-9/GS-11 $63,148
- $120,145 per year Locality Pay: Varies by duty location.

Overtime Pay: Up to 25% Duty location impacts pay rates; locality pay for federal law enforcement is higher in some locations than others.

A fully trained BPA may be eligible for up to an additional 25% of base pay per the BPA Pay Reform Act of 2014.

This is a career ladder position with a grade level progression from GL-9 to GS-11 to GS-12.

You will be eligible for a promotion to the next higher grade level (without re-applying) once you successfully complete 52 weeks in the lower grade level.

All Border Patrol Agents may select from an array of federal employment benefits that include health and insurance plans, a generous annual and sick leave program, and participation in the Thrift Savings Plan, a retirement plan that is similar to traditional and ROTH 401(k) offerings.
*Recruitment Incentive
* Newly appointed Border Patrol Agents (as defined in 5 CFR 575.102 ) will be offered up to a $20,000 incentive.

The first $10,000 will be paid upon successful completion of the Border Patrol Academy, with the remaining $10,000 awarded for accepting a prioritized location.

Prioritized locations include Sierra Blanca, TX; Presidio, TX; Sanderson, TX; Comstock, TX; Lordsburg, NM; Freer, TX; Hebbronville, TX; Ajo, AZ.
*Retention Incentive
* Newly appointed Border Patrol Agents may also qualify for up to $40,000 in additional incentives distributed over their first four years.

Duties and Responsibilities: As a BPA, you will be part of our 60,000 workforce that strives to protect the American people by safeguarding our borders, deterring illicit activity, and enhancing the nation's economic prosperity.

Being a BPA makes you a valuable member of the Federal Law Enforcement Officer (LEO) profession.

Typical assignments include: Detecting and questioning people suspected of violating immigration and customs laws and inspecting documents and possessions to determine citizenship or violations.

Preventing and apprehending aliens and smugglers of aliens at or near the borders by maintaining surveillance from covert positions to include using infrared scopes during night operations.

Interpreting and following tracks, marks, and other physical evidence of illegal entry of persons or contraband.

Performing farm checks, building checks, traffic checks, city patrols, and transportation checks.

Patrolling the international boundary and coastal waterways using a variety of government assets such as vehicles, horses, vessels, watercraft, off-road vehicles, ATVs, snowmobiles, and motorcycles for the accomplishment of the USBP Mission.

Qualifications: GL-9: You qualify for the GL-9 grade level if you possess one (1) year of specialized experience, equivalent to at least the next lower grade level, performing duties such as: Performing physical searches of detained individuals, their vehicles, and their immediate surroundings for weapons, contraband, currency, and other evidence.

Apprehending, physically restraining, or working with law enforcement officials to identify or apprehend violators of state, federal, or immigration laws.

Proficient in the use of firearms, preparing investigative reports, serving court orders (e.g., warrants, subpoenas, etc.), and gathering evidence for criminal cases prosecuted through the court system.

If you have previous or current law enforcement or military law enforcement experience, you may qualify at the GS-11 grade level.

GS-11: You qualify for the GS-11 grade level if you possess one year of specialized experience equivalent to at least the next lower grade level, with the authority granted by the state or government to enforce laws, make arrests, and investigate crimes, performing primary duties in an official law enforcement capacity such as: Utilizing intelligence information to track illegal operations, criminal activity, threats to our nation, and/or contraband while serving as a state, federal, or military law enforcement official.

Leading investigations of fraud, contraband, criminal activity, threats to our nation, and/or illegal operations to determine sources and patterns while serving as a state, federal, or military law enforcement official.

Apprehending violators of state, federal, or immigration laws by utilizing various forms of complex technology that include surveillance, detection, situation awareness systems, and/or communications equipment.

The above experience will be applied in connection with the following: Make arrests and exercise sound judgment in the use of firearms; deal effectively with people in a courteous manner in connection with law enforcement matters; analyze information rapidly and make prompt decisions; or develop and maintain contact with a network of informants.

There are no education substitutions for the GL-9 or GS-11 grade-level Border Patrol Agent opportunities.

Other Requirements: Citizenship : You must be a U.S.

Citizen to apply for this position.

Residency : You must have had primary U.S.

residency (including protectorates as declared under international law) for at least three of the last five years.

Age Restriction : In accordance with Public Law 100-238, this position is covered under law enforcement retirement provisions.

Candidates must be referred for selection to the Border Patrol Agent position before reaching their 40th birthday in accordance with Department of Homeland Security Directive 251-03.

The age restriction may not apply if you are currently serving or have previously served in a federal civilian law enforcement (non-military) position covered by Title 5 U.S.C.

8336(c) or Title 5 U.S.C.

8412(d).

Veterans' Preference : You may also be eligible for an excepted service Veterans' Recruitment Appointment (VRA).

The age restriction does not apply if you are Veterans' Preference eligible.

Formal Training : After you are hired, you will be detailed to the U.S.

Border Patrol Academy in Artesia, New Mexico, for approximately six (6) months of intensive instruction in immigration and nationality laws, law enforcement, and USBP-specific operations, driver training, physical techniques, firearms, and other courses.

Border Patrol work requires the ability to speak and read Spanish, as well as English.

Border Patrol Agents will be provided training to become proficient in the Spanish language at the Academy.

How to Apply: Click the Apply button on this site.

You will be linked to the CBP Talent Network registration page.

For Position of Interest, select Border Patrol Agent, and then complete the pre-screening questions.

You'll then receive a link(s) to the BPA Job Opening Announcements (JOAs) on USAJOBS, the federal government's official employment site, to complete your application.

Be certain to review ALL details of the job opportunity announcement and follow all instructions in the application process, including items (resume, transcripts, etc.) to submit.

You will be evaluated based on your resume, supporting documents, and the BPA Entrance Exam.

If you have questions about the application process, contact a recruiter through the U.S.

Border Patrol page: /s/usbp.

NOTE: As a subscriber to the CBP Talent Network, you'll receive monthly emails with information about webinars, career expos, and future opportunities with CBP.

We are seeking individuals to review and provide feedback on everyday money-management tips. This role focuses on common financial challenges such as managing expenses, reducing spending, and making smarter financial choices.

You will review examples of budgeting methods and evaluate practical ideas people use to stretch their income. The goal is to understand which approaches work best for real households.

The work is flexible and fully online. Applicants should have an interest in budgeting, saving money, or improving financial habits.

No formal finance background is required.

We are looking for people who are interested in personal finance and budgeting. In this role you will review practical money-saving strategies and provide feedback on budgeting ideas for everyday households.

You will look at different financial habits, common spending patterns, and simple ways people manage money when budgets are tight. The work is simple and can be done online.

Responsibilities include reviewing budgeting advice, identifying useful money-saving ideas, and sharing your opinion on which strategies are most helpful.

No professional experience is required, but an interest in personal finance, saving money, or budgeting is helpful.

This is a remote opportunity and can be completed from home.

We are hiring remote contributors to review consumer finance content focused on budgeting and money-saving strategies.

Your role will involve reading short financial guidance pieces and providing feedback on their usefulness for people managing tight budgets. You may also identify which tips are the most practical for everyday situations.

This position is ideal for people interested in personal finance, budgeting, or improving financial literacy.

The work is flexible and completed online.

We are looking for remote participants to review financial advice related to budgeting, saving money, and improving spending habits.

In this role you will explore different strategies people use to manage their finances and identify which ideas are the most helpful in real life.

Tasks include reviewing simple financial tips, evaluating money-saving strategies, and providing feedback on budgeting approaches.

The role is remote and open to anyone with an interest in personal finance or household budgeting.