Dearest Reader,

There was a time when my account was in overdraft every single month.
And the worst part was that I was earning really good money.

But it never felt like enough.
Every time I got paid, it was gone. I’d log into my account and see red—again.

That kind of financial stress takes a toll. It makes you feel like you’re constantly working just to catch up.

But here’s the truth:
My issue wasn’t how much I was earning; it was how I was managing what I had.

Here’s what I did to get out of that cycle:

I started budgeting by paycheck.

I realized that most of my big bills were hitting at the end and beginning of each month, draining one paycheck completely. So I called my bill providers and shifted due dates. I also started splitting big bills like rent between both paychecks so the pressure wasn’t so lopsided.

I built multiple buffers into my system.

My baseline goal was to have at least 30% surplus every month. That way, if something unexpected came up, I could handle it without dipping into overdraft.

I created a separate account just for bills.

I had a separte account just for bills. I wasn't allowed to spend money from that account. Each payday, I’d deposit half of my total monthly bills into that account. Then I left a $200 buffer in there at all times, just in case a bill came out before payday hit.

That’s what finally gave me breathing room.

And because this system worked so well, I turned it into a tool, one that makes it easy to avoid overdraft and actually feel in control of your money.

It is the same tool that our members in the Surplus Stack Society have used to free up 30 - 83% of their surplus.

Want access to this tool? You gotta join the clerrrbbbb.

Yours Truly,

Eduek 🦢

What's happening inside the Society

Diamond of the Season

Congrats to our Diamond of the Season (who chose to stay anon to the public), so far this year she has

★ Maxed out her tax-free accounts

★ Built her emergency fund to 10 months

★ Saved one paycheck in April

★ Hit one year income invested

She has now graduated from a Viscountess to a Duchess 🎉🎉

April Progress

The members of the ton have paid off $34,997, saved $65,070 and invested $60,734. Three members so far have hit over six figures invested

Wins of the month

What's happeneing this month

We wrapped up the Save one Paycheck challenge in April and over 50% of our members were able to save an entire paycheck.

We have kicked off the Debt Detox challenge for May, this challenge is for anyone who wants to attack debt with a vengeance this year and stay out of debt for good. 

Testimonials

We asked our members, what's something they gained this month from being a member of SSS, here are their responses:

"A mindset of focus and having strategies to work will and accountability."

"Going through my spending every week to see where I spend more and where I could save more."

"Encouragement, focus."

"The community! Everyone cheering you on regardless of where you am in your journey."

"I gained awareness. I didn't know prior that I could save one pay check all from my surplus. I didn't have to take from other savings account, or stop paying bills on time. The surplus alone was more than enough. That was eye opening for me. It did require some sacrifices but nothing significant."

"Knowing that I can still spend on things that seem "frivolous" as I am already hitting my investment targets."

"Focused on savings." 

"Confidence and support after some financial setbacks."

Want to be part of a community that helps you achieve your goals, holds you accountable and encourages you even when you have setbacks, then you need to be a part of the Surplus Stack Society.

Join the Surplus Stack Society Now