Nina's kit · spreadsheet + guide

Is your paycheck gone before the 20th? It never had a destination.

A 7-tab spreadsheet and an illustrated PDF guide to decide, on payday, where each part of your money goes.

Guide page titled "Give your money orders"

The My Day 1 tab of the spreadsheet with an example: a net income of R$ 3,200 split 50/30/20 into the 3 buckets

Nina explains each step

Real screens from the kit, in Portuguese

The English waitlist is open

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The kit is in Portuguese for now
Sales outside Brazil aren't open yet

it's for you if

Do you see yourself in any of these?

Payday comes and the money disappears

By the 15th it's gone, and you can't say where it went.

You budgeted for the rent and nothing else

Utilities, water, power and internet showed up too, and the math didn't work.

The small spending got big

A subscription here, a delivery there, and by the end of the month nobody knows how much it was.

It's not your fault. When nobody tells the money where to go on the 1st, it disappears by the 15th without warning. The kit exists so you can give it that destination.

how it works

Three steps, starting the day your paycheck lands

X-ray
You open your statement for the last 30 days and write everything down, without judgment. That is how you see where the money is leaking.
3 buckets on payday
Needs, wants and future. The starting split is 50/30/20; if the basics weigh more, you adjust to 70/20/10. Planned fun is part of the math, and the future part goes out on the same day your paycheck lands.
Peace-of-mind fund
Your emergency savings. It starts with the goal of saving 1 month of bills and gets a transfer every payday.

what's in the kit

Two pieces that work together

The Salário com Destino spreadsheet, with 7 tabs (in Portuguese)

In Google Sheets (you make your own copy) or as an .xlsx file for Excel or LibreOffice. You fill it in; it does the math.

Start here (Comece aqui)
X-ray (Raio-X)
My Day 1 (Meu Dia 1)
Invisible drain (Ralo invisível)
Peace-of-mind fund (Fundo de Paz Mental)
Once-a-year bills (Contas uma vez por ano)
30-day plan (Plano de 30 dias)

The illustrated guide Finanças Sem Pânico, in PDF (in Portuguese)

Nina walks you through it in four chapters: the reality check of living alone, the 50/30/20 rule, the invisible drain of small expenses and the peace-of-mind fund. At the end, your next steps, day by day.

The reality check
The 50/30/20 rule for people living alone
The invisible drain
The peace-of-mind fund

inside the kit

Take a look first

Real pages from the guide and screens from the spreadsheet, filled in with an example. In Portuguese.

Guide page with the golden rule for housing: up to 30% of income — Guide: the golden rule for housing

Guide page about the 50% for needs — Guide: the 50% for the basics

The Invisible drain tab of the spreadsheet with an example: subscriptions per month and per year, and what you save by canceling the ones you did not use — Spreadsheet: the Invisible drain tab

Guide page with the math of ordering delivery three times a week — Guide: the delivery math

on day one

What you do on day one

These are the 5 steps in the spreadsheet's Start here tab. Each tab points to the guide page the rule came from.

Do the X-ray
Open your statement for the last 30 days and write everything down, without judgment. For each expense, pick the bucket: need, want or future.
Set up your Day 1
Enter your take-home pay, choose the split (50/30/20 or 70/20/10) and list your fixed bills. The spreadsheet warns you when housing goes over 30% of your income.
Close the drain
List your subscriptions and mark the ones you haven't used in the last 15 days. Do the math on delivery and ride apps.
Start the peace-of-mind fund
Start from the goal of 1 month of essential bills and see how many months it takes to get there.
Look at the year and the next 30 days
Write down the bills that only come once a year. Then follow the 30-day plan and check off what you have done.

your guide

Nina shows you the way

Nina is the SobreVivendo Adulto character. In the guide, she explains each step with everyday examples, the way a friend would. The spreadsheet does the math; you make the decisions.

Who it's not for

People who want to learn to invest. The guide talks about where to keep your savings and stops there.
People who need to renegotiate a big debt. The guide shows the first step; heavy debt calls for professional help.
People whose income changes a lot from month to month. The kit was designed for a fixed paycheck.
People who don't read Portuguese yet: for now, the whole kit is in Portuguese.

Educational material. It does not replace professional financial advice.

Questions people ask Nina

Is the kit in English?

Not yet. The spreadsheet and the guide are in Portuguese. This page is in English so you know what's inside. If you join the list, Nina will let you know when sales open outside Brazil.

Can I buy it now?

Not from outside Brazil yet. That's why this page has a waitlist instead of a buy button. Joining the list is free and doesn't commit you to anything.

Does it use my currency?

The kit was made in Brazil, so the examples use Brazilian reais (R$). The method itself (X-ray, 3 buckets, peace-of-mind fund) works with any currency: you type in your own numbers.

Does it work on my phone?

Yes. The spreadsheet was built to fit on a phone screen and opens in the free Google Sheets app. The guide is a PDF that opens on any phone. For filling it in the first time, a computer is more comfortable, but not required.

Do I need Excel?

No. You make a copy of the spreadsheet in Google Sheets, which is free and only needs a Google account. If you prefer Excel or LibreOffice, the kit also includes the .xlsx file.