How to budget with Capital One 360 (Formerly ING Direct) written by Bob Lotich, CEPF® | Budgeting, Debt Help, Managing Money, Saving Money, Simplify Want to know how to budget? Well, ING Direct is my favorite budget tool. Here are the steps how I budget with ING Direct. You could probably use this same technique at other banks, but I will show you why it is more beneficial at ING Direct.