Where does the money actually go?

Most families never really find out. Nidibooks is a simple, undated money diary that shows you — in your own handwriting, one month at a time. No apps, no logins, no jargon. Simple enough that anyone in the family can fill it in.

WHAT'S INSIDE — 120 PAGES

• Daily spending across three easy sheets a month, with 20 categories built for Indian households
• Money in, money out, and what you actually kept
• Every loan and EMI in one place — including the ones people forget: no-cost consumer EMI, Pay Later, instant app loans, gold loans, chit advances
• Chits, gold schemes, RD, PPF and SSY tracked month by month, plus a page for mutual funds and SIPs
• Which debt to clear first — rank your loans the snowball way and the avalanche way, then commit to one order
• Goals and insurance — term life and health, and a separate page for two-wheeler, four-wheeler, home and shop cover with the renewal dates
• A full year-end summary — income, spending, debt and savings on one page
• Plain-language tips — clearing debt faster, needs vs wants, and the 50·30·20 rule

MADE FOR INDIAN HOUSEHOLDS

The categories you actually spend on — provisions, vegetables, milk, gas cylinder, school fees, temple and functions, domestic help. The loans you actually take — gold loan, chit advance, consumer EMI, hand loans from family.

Undated — start any month, use it in any year. Nothing goes to waste.

120 pages · Black & white interior · Room to write on every page

A personal record-keeping tool. General information only — not financial advice.