All three options give you access to The Surplus Method, the Surplus Stack System, Money Mart, and your Surplus Bingo Card. The main difference is the level of coaching, support, and accountability you receive.

The Study is our self-guided option. You'll get the complete curriculum and tools to work through at your own pace and implement independently.

The Ton includes everything in The Study, plus 12 months of group coaching, a personalized 1:1 Money Map, quarterly Money Audits, accountability, and access to our private community.

The Queen's Court includes everything in The Ton, plus three months of intensive private coaching, direct messaging access, and ongoing personalized financial accountability throughout the year.

Ultimately, the best option depends on how much support you want as you work toward your financial goals.

Not at all! The Surplus Method is designed to meet you where you are in your financial journey.

Whether you're creating your first budget, working toward paying off debt, building your emergency fund, or ready to start investing, the curriculum walks you through each milestone step by step.

You'll start by identifying your current Surplus Season so you can focus on the lessons and tools that are most relevant to your financial situation, rather than trying to tackle everything at once.

The Surplus Method is designed to fit into your life, not take it over.

Since the curriculum is self-paced, you can work through the lessons at a pace that works for your schedule. I recommend setting aside dedicated time each week to complete lessons, work through the exercises, and implement what you're learning using your Surplus Stack System.

Remember, the goal isn't to rush through all seven steps. It's to make meaningful progress at a pace you can maintain.

You'll receive unlimited access to The Surplus Method curriculum, including all 54+ lessons, course updates, and the tools and resources included in your program.

If you join The Ton or The Queen's Court, you'll also receive 12 months of additional support, guidance, accountability, and community access, based on your chosen program. 

Even after your coaching period ends, you'll still have unlimited access to The Surplus Method curriculum and its resources, so you can revisit lessons and continue working toward your financial milestones at your own pace.

The level of support you receive depends on which program you choose.

The Study is designed for independent learning. You'll have unlimited access to the curriculum, lessons, and tools to help you implement the method at your own pace.

The Ton includes group coaching, The Calling Hour, quarterly Money Audits, and a private community where you can ask questions, get feedback, and receive accountability as you work toward your goals.

The Queen's Court offers the highest level of personalized support, including eight private coaching sessions over three months, direct messaging access for 12 months, and ongoing financial accountability.

If you know you'll benefit from additional guidance and accountability, The Ton or The Queen's Court may be a better fit for you.

Absolutely! If your employer offers a professional development or learning and development budget, you may be able to use it to cover the cost of The Surplus Method.

The program provides structured financial education, practical money management tools, and a certificate of completion that you can include in your reimbursement request.

Since every employer has different policies, I recommend checking with your HR department or manager to confirm eligibility before enrolling.

To make the process easier, I've created a Request Employer Sponsorship for The Surplus Method template you can customize and send to your employer.

You can choose to pay in full or spread the cost of your program over multiple payments.

The Study: $997 in full or 12 monthly payments of $97.

The Ton: $1,997 in full or 12 monthly payments of $197.

The Queen's Court: $5,997 in full or 4 payments of $1,597.

Payment plans allow you to spread the cost of your program over time. They are not monthly subscriptions, so you're committing to the full program fee when you enrol.

You'll receive access to your program after your first payment, and the remaining payments will be charged automatically according to your payment schedule.

The Study and The Ton come with a 7-day money-back guarantee.

The Study

If you purchase The Study and decide it's not right for you, you can request a full refund within 7 calendar days of your purchase. No questions asked.

The Ton

If you purchase The Ton and decide it's not right for you, you can request a full refund within 7 calendar days of your purchase, provided you have not used your 1:1 Money Map coaching session.

Attending group coaching sessions during this period does not affect your eligibility for a refund.

How to Request a Refund

To request a refund, email [email protected] within 7 calendar days of your purchase. Include your name and the email address used at checkout.

Eligible refunds will be issued to your original payment method. Once your refund is processed, your access to the program and any associated coaching services will be revoked.

Payment Plans

Payment plans are installment arrangements for the full program price, not monthly subscriptions. If you choose a payment plan, you're responsible for completing all scheduled payments unless you receive an eligible refund.

Absolutely! The Surplus Method is open to women worldwide. The financial principles, strategies, and systems you'll learn can be applied regardless of where you live.

However, because I'm based in Canada, many of the examples used throughout the curriculum, including investment accounts, financial institutions, and financial products, are specific to Canada. You'll need to adapt these examples to the options, regulations, and financial systems available in your country.

Absolutely! You can start with The Study and upgrade to a higher level of support whenever you're ready.

If you upgrade within three months of your original enrolment, the amount you've already paid toward your current program will be credited toward the price of your new program. Only payments actually received will qualify for the upgrade credit.

After three months, you can still upgrade, but the credit will no longer apply.

Upgrades to The Queen's Court are subject to availability and approval through the application process.

Absolutely! The Surplus Method makes a thoughtful gift for someone who's ready to take control of their finances and build lasting wealth.

Simply select the “Send as a Gift” option at checkout, enter the recipient's email address, and add a personalized message if you'd like. You can choose to have the gift delivered immediately or schedule it to arrive on a future date of your choosing.

The Surplus Method is a financial education program designed to help you understand your finances, build a money management system, and make informed financial decisions.

While you'll learn about budgeting, debt repayment, saving, investing, and financial independence, the program does not provide personalized investment, legal, or tax advice.

You'll receive the knowledge, frameworks, and tools to make financial decisions based on your own circumstances and goals.