Nova's methodology is based on the "Pay yourself first" principle, also called "reverse budgeting". The idea is to:

  1. Get your salary (usually at the end of the month)
  2. Pay your rent and bills
  3. Transfer money towards your goals (savings or investment)
  4. Spend what's left

It's important to "spend what's left" rather than "save what's left" because if people don't put a limit to your expenses, they typically tend to spend it all!