The NAB Guide

Budgeting is not about saying no.
It is about saying yes to the right things.

Every financial guru, TikToker, and bestselling author agrees on one thing: know where your money goes. The rest is just details. NAB is where you track it.

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Pick your approach

Your money. Your rules.

There is no one right way to budget. There is only the way that makes you actually do it. Here are a few that work. Pick one. Or mix them. NAB does not care. It just keeps score.

Vivian Tu · Rich AF

Spend on what you love. Cut the rest.

Know what comes in. Know what goes out. Keep the gap positive. Spend the rest on things that actually make your life better. No shame. No spreadsheet anxiety. Just awareness.

Best for: people who are done feeling guilty about lattes

Ramit Sethi · I Will Teach You To Be Rich

Automate the boring stuff. Spend extravagantly on what matters.

Set up your savings and bills to run themselves. Then spend whatever is left on your rich life without checking your bank balance every five minutes.

Best for: people who want a system that runs without them

Dave Ramsey · Debt Snowball

Pay off the smallest debt first. Then the next one.

List every debt smallest to largest. Put every extra dollar at the smallest one. When it is gone, attack the next. The math is not perfect but the momentum is real.

Best for: people who need to feel wins quickly to stay motivated

The Boglehead

Earn. Save. Invest in boring index funds. Repeat.

Track your spending so you know exactly how much you can invest. Keep costs low. Do not try to beat the market. Let time do the work.

Best for: people who read John C Bogle and found it life changing

Not sure which one is for you? Start with Vivian. She explains money without making you feel bad about it.

How people use NAB

Real households. Real goals.

NAB works for anyone tracking money anywhere. Here are four households using it right now.

Ramit Sethi approach

Priya and James

Toronto, Canada

GoalHome deposit by Dec 2027
CurrencyCAD
Monthly income$11,200
Fixed costs$4,800
Savings target$2,500/mo
Spent this month$3,100
Surplus$800
Deposit fund
$31,200$80,000
Vivian Tu approach

Sofia, Marco, and Yuki

Shared household · London and Barcelona

GoalGroup trip to Japan in October
CurrencyGBP
Monthly shared pot£1,800
Rent and bills£1,200
Trip savings£200/person/mo
Japan trip fund
£1,400£3,600
Debt snowball

Amara

Lagos, Nigeria

GoalPay off car loan, then upgrade
CurrencyNGN
Monthly income₦450,000
Debt payment₦85,000
Surplus after bills₦62,000
Car loan remaining
₦680,000₦920,000
Boglehead

David

Singapore

Goal6-month emergency fund, then index funds
CurrencySGD
Monthly incomeSGD 7,400
Fixed costsSGD 3,200
Investment transferSGD 1,500/mo
Emergency fund
SGD 18,400SGD 21,000

Inside the app

What it looks like in NAB

nabbudget.com/app
NAB transactions view
Every transaction logged. Categories assigned. Monthly total at a glance.
Transactions
Priya and JamesMonthly spending tracked, savings target on pace.
History
AmaraDebt payments logged, surplus building each month.
Add transaction
DavidTen seconds to log. The rest of the day is his.

The only rule

Check in once a week. That is it.

Open NAB. Add what you spent since last time. See if you are on track. Adjust if not. Close it. Go live your life. The people who stick to a budget are not more disciplined. They just made it simple enough to actually do.

1

Log it the moment it happens. Takes 10 seconds. Waiting until Sunday means guessing.

2

Pick one category system and keep it. Groceries means groceries every time.

3

A budget that is 80 percent right and actually used beats a perfect one you abandoned in February.

Get started

Ready to actually know where your money goes?

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