Keep more of what you earn today and
Turn your surplus into investments that can one day replace your income.
The Surplus Method is a practical financial system for accomplished women who earn good money but feel like they should have more to show for it. Inside The Surplus Method, you’ll learn how to create a money system that works for you, uncover a 30% surplus in your existing income, and use that money to pay down debt, build savings, and invest consistently so you can build wealth that eventually makes working optional.
GIVE ME THE SYSTEM
IMAGINE:
Having enough room in your income to build wealth and enjoy your life at the same time.
And because of that, you're able to:
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Pay off all consumer debt. |
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Fully fund your emergency fund. |
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Max out registered accounts. |
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Purchase your dream home. |
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Splurge guilt-free on a big purchase. |
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Book that bucket-list vacation. |
BUT RIGHT NOW:
You make good money.
So why doesn't it feel like it?
On paper, you're doing well
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You've built a successful career. Your income has grown. |
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You can afford the dinners, the trips, the nice home and the little luxuries you once told yourself you'd enjoy when you finally started making good money. |
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But somehow, even as your income has increased, it still doesn't feel like there's much more left at the end of the month. |
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You're earning more than you ever have, but still wondering.... |
Where is all my money going?
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Maybe you have savings, but not nearly as much as you think you should. |
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You invest, but inconsistently. |
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There's still debt hanging around that you thought you'd have paid off by now. |
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And when you look at how much money has flowed through your hands over the last few years, you can't help but think... |
I should have more to show for this
the problem isn't that you don't make enough money
It's that you don't have a system that tells you how much you can spend, how much you should save, and exactly where your money should go to build wealth.
A money system gives every dollar a job before you spend it, so you're not relying solely on willpower or whatever happens to be left at the end of the month. It helps you enjoy your money today while consistently putting money toward savings, debt, and investments that build your wealth for tomorrow.
SHOW ME THE MONEY SYSTEMBUT DESPITE THE CHALLENGES YOU'RE FACING:
You don't want to hustle harder. You want the money you already make to work harder for you.
So that you can:
Stop feeling anxious about money
You want to stop dodging your bank app like it’s a toxic ex. You want to log in without holding your breath as your balance loads. You want to feel calm because you know exactly what’s there and it’s more than enough.
Have more breathing room in your income
You want to pay your bills, enjoy your life, and still have money left over. So when an unexpected expense pops up, or you want to put more toward your goals, you're not counting down the days until your next payday.
Build your savings
You want to stop panicking every time an engine light comes on in your car. I mean, you'll still panic but only for a brief second because you have a car maintenance fund to get it handled.
Pay off all consumer debt
You want to see a $0 balance on your credit card and keep it at $0 for more than three months in a row. You want to be done with credit card stress and finally feel like your money is yours to keep and you don't owe anyone a dime.
Enjoy your money without guilt
You want to enjoy the money you work hard for. Whether it's that cute outfit, tacos on a Tuesday night, brunch with your girls, dinner with family, a weekend getaway, or a week-long trip to your bucket-list destination, you want to be able to say yes to the things you love without wondering if you're sacrificing your financial goals to do it.
Grow your investments
You want to invest consistently without wondering if you should be doing more or if you're even doing it right. And ultimately, you want to build enough wealth that working becomes something you choose to do, not something you have to do.
Your money should be helping you build that life.
I have good news for you:
That's exactly what The Surplus Method was designed to help you do
The Surplus Method is a 7-step money system for turning your income into savings, debt freedom, investments, and ultimately, financial independence.
inside, you will:
Find the money that's already there
Instead of immediately telling you to earn more or cut everything you enjoy, you'll learn how to uncover up to a 30% surplus within the income you already make.
Know exactly where your money should go
You'll build a financial plan based on your income, expenses, goals, and current financial situation, so you know how much you can spend, save, put toward debt, and invest.
Focus on the right financial milestone
Instead of trying to save, pay off debt, invest, and do everything at once, you'll know which financial milestone to prioritize based on where you are right now.
Build a system you can actually maintain
You'll create a money system that helps you manage your day-to-day finances and make consistent progress without relying on willpower every month.
Build wealth without putting your life on hold
The goal isn't to save every penny or stop spending on the things you love. You'll learn how to enjoy your money today while consistently building wealth for tomorrow.
Know what to do next
As your finances change, your priorities will change too. The Surplus Method gives you a clear path to follow so you always know what to focus on next, from building your savings and paying off debt to growing your investments and working toward financial independence.
I've been where you are now.
Earning a high income and wondering where all my money was going.
As an immigrant navigating a new financial system, I racked up $47,000 in debt. I lived in constant scarcity and stress, convinced I’d never get ahead.
But one day, I decided enough was enough.
I taught myself the skills no one ever told me: how to manage my money, pay off debt, build savings, and invest, while still making room for the things I enjoyed, like splurging on skincare and travelling.
In less than two years, I paid off $47,000 of debt, built a six-month emergency fund and invested $30,000.
What changed my life wasn’t simply earning more. It was learning how to keep more of what I earned and knowing exactly what to do with it.
My surplus eventually gave me the freedom to start a business, quit my full-time job, and relocate my parents to Canada.
That's why I created The Surplus Method, and why I'm on a mission to help 1,000 women reach $100,000 invested.
introducing
The Surplus Method
Your 7-step roadmap from where you are today to financial independence.
The SURPLUS Method:
Seven steps. One clear path to financial independence.
Each step of the SURPLUS Method represents a financial milestone, so you can focus on what matters most right now while knowing exactly what comes next.
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Strengthen your surplus mindset:Identify the money beliefs and habits keeping you stuck and build a mindset that supports the wealth you want to create. |
| U |
Uncover 30% surplus cash flow:Free up to 30% of your income so you have more money available to save, invest, pay off debt, and enjoy your life. |
| R |
Reach 3 months in surplus savings:Build an emergency fund that covers at least three months of your living expenses, so unexpected expenses don't derail your financial progress. |
| P |
Pay off all consumer debt:Pay off your consumer debt and redirect those monthly payments toward building savings, investments, and the life you actually want. |
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Land your first 100K in investments:Build your first $100,000 investment portfolio and create a solid foundation for growing long-term wealth. |
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Utilize your surplus for your kid’s future:Build a financial plan for your children's future through education savings, investments, insurance, and estate planning. |
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Secure your financial independence:Grow your investments to the point where they can support your lifestyle and working becomes optional. |
What Surplus Season are you in?
You don't need to work on all seven steps at once.
Your Surplus Season helps you identify where you are in your financial journey, so you can focus on the milestones that matter most right now and know exactly what you're working toward next.
The Debutante Season
You're ready to take control of your cash flow.
You're in this season if: You don't have a consistent money system yet, or you have less than 30% of your income left after your bills and essentials are paid.
Your Focus:
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Understand your relationship with money |
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Create a money system that tells your money where it should go. |
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Increase your surplus to at least 30%of your monthly income. |
Your Milestone:
Maintain a 30% surplus for three consecutive months.
The Baroness Season
You're ready to build financial stability.
You're in this season if: You’ve created your money system and reached a 30% surplus, but you still have consumer debt to pay off or haven’t fully funded your emergency fund.
Your Focus:
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Build your emergency fund to three months of expenses. |
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Pay off all of your consumer debt. |
Your milestone:
Reach three months of expenses in emergency savings and $0 in consumer debt.
The Viscountess Season
You're ready to build serious wealth.
You're in this season if: You have a 30% surplus, a fully funded emergency fund, and no consumer debt, but you’re still working toward building a substantial investment portfolio.
Your Focus:
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Invest consistently and build your first $100,000 investment portfolio. |
Your milestone:
Reach $100,000 invested.
The Duchess Season
You're ready to make work optional
You're in this season if: You have a 30% surplus, a fully funded emergency fund, no consumer debt, and at least $100,000 invested. Now you're focused on growing your wealth toward financial independence and, if you have children, building their financial future too.
Your focus:
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Grow your investments toward your financial independence number. |
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Create your work-optional plan. |
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Build a financial foundation for your children’s future (if it aligns with your goals) |
Your milestone:
Reach financial independence, where your investments can support your lifestyle and working becomes optional.
No matter which season you're in
You don't have to figure out how to reach your next milestone on your own
The Surplus Method gives you the roadmap, system, and tools to help you move from where you are today to where you want to be next.
Here’s what you’ll get to help you do it.
Everything you need to
Put the surplus method into action
You won't just learn what to do with your money. You'll get the tools, templates, and resources to help you actually do it.
The Surplus Method
Get unlimited access to 54+ lessons across 7 steps, covering money mindset, budgeting, saving, debt payoff, investing, and financial independence, with quizzes along the way to test what you've learned and a certificate of completion when you finish.
Surplus Stack System
Your personalized money management system for knowing exactly how much you can spend, save, put toward debt, and invest each month.
Money Mart
Your library of templates, calculators, trackers, and financial tools designed to help you put what you're learning into action and make decisions using your own numbers.
Bingo Card
Turn your financial goals into milestones you can actually see and track. Use your Surplus Bingo Card to check off your wins as you move through each Surplus Season, from creating your 30% surplus to investing your first $100K.
see what's possible
When you have a system for your money
From Debt Stress To Breathing Room
Ordia went from falling behind on bills and relying on her line of credit to make rent to building a surplus that allowed her to pay off credit cards, handle a tire emergency, and confidently switch jobs.
From Debt Cycle To Guilt-Free Maternity Leave
Olivia was stuck in a debt cycle and couldn’t see a way out. With an effective money system, she was able to pay off her debt, build savings, and start investing, allowing her to take a guilt-free maternity leave.
From Afraid To Invest To 50%+ Growth
Petra was terrified of investing, so she left a sizable amount of cash sitting in her account, doing nothing. After building an investment plan together, she confidently invested her money, which grew by over 50% in just 1.5 years.
Choose the level of support that works for you
Every option gives you access to The Surplus Method and the tools you need to build your money system. The only difference is how much support, accountability, and access you want along the way.
The Study
Self-Guided Course
Learn The Surplus Method at your own pace.
$997
OR
12 MONTHLY PAYMENTS OF $97
What's included:
◉ unlimited access to THE SURPLUS METHOD
◉ THE SURPLUS STACK SYSTEM
◉ MONEY MART
◉ BINGO CARD
Best for you if: You want the complete system and tools, but you're comfortable implementing what you learn on your own.
The Ton
Group coaching experience
Implement The Surplus Method with high-touch support and accountability.
$1,997
OR
12 MONTHLY PAYMENTS OF $197
What's included:
◉ Money Map
Start with a private 1:1 session in your first month to map out your financial goals, identify where you are in The Surplus Method, and create a personalized action plan for what to focus on next.
◉ Quarterly Money Audits
Submit your Surplus Stack System every quarter for a personal review of your progress, with recommendations from me on what to adjust and where to focus next.
◉ 12 Months of Group Coaching
Get ongoing guidance as you work through The Surplus Method and help applying what you're learning to your own finances.
◉ The Calling Hour
Drop in to ask your money questions, get unstuck, and receive support as you implement your plan.
◉ Money Promenade
Bi-weekly money co-working sessions where you can sit down, work on your finances, and actually get things done.
◉ Monthly Challenges
Turn what you're learning into action with challenges designed to help you save, invest, pay off debt, and increase your surplus.
◉ Private Podcast
Get exclusive money conversations, lessons, and insights you can listen to on the go.
◉ Surplus Circle
Connect with a community of women working toward their financial milestones alongside you.
Best for you if: You want the complete system, but you know you'll make more progress with ongoing coaching, accountability, and a community to keep you moving.
The Queen's Court
PRIVATE COACHING EXPERIENCE
Implement The Surplus Method with a personalized plan and private support.
$5,997
OR
4 MONTHLY PAYMENTS OF $1,597
What's included:
everything in the ton, plus
◉ 3 months of private coaching
Meet with me 1:1 for eight 90-minute deep-dive sessions over three months where we'll work through your finances, make decisions together, troubleshoot what's not working, and adjust your plan as you progress.
◉ 12 months of private messaging access
Get direct access to me for a full year so you can ask questions, get feedback, and get support as new financial decisions come up along the way.
◉ 9 months of ongoing financial accountability
After your three months of private coaching, you'll continue receiving personalized Money Audits for the next nine months. I'll review your Surplus Stack System, assess your progress, and recommend adjustments to help you keep moving forward.
Best for you if: You want more than a system to follow. You want personalized guidance, direct access to me, and hands-on support building and implementing a financial plan around your life.
GST/HST will be added at checkout.
ON THE FENCE ABOUT JOINING?
Is the surplus method right for you?
The Surplus Method is designed for women who are earning money and ready to be more intentional about what happens to it.
You don't need to have your finances figured out before you start. You just need to be ready to build a system, follow the steps, and consistently work toward your next financial milestone.
THIS IS FOR YOU IF:
Your income covers your essential living expenses, but you want to learn how to make better use of the money you have left.
You prefer having a clear framework to follow rather than piecing together conflicting financial advice from social media, podcasts, books, and Google.
You’re willing to consistently put what you learn into practice, even when progress requires time rather than expecting one big change to fix everything overnight.
this might not be for you if:
Your income currently doesn't cover your essential living expenses, and increasing your income needs to be your first priority.
You prefer learning from free resources and piecing together your own financial plan rather than following a structured curriculum.
You're looking for someone to manage your finances, choose investments, or make financial decisions for you rather than learning how to do these things yourself.
Sounds like a good fit?
Join the surplus method now and get started on your journey to financial independence
By joining the Surplus Method, you will:
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Achieve a 30% surplus in your monthly disposable income. |
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Build an emergency fund of at least three months’ expenses to safeguard against the unexpected. |
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Pay off consumer debt and free up income to focus on your big goals. |
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Learn how to build your investments to your first 100K, setting you up for long-term security. |
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Step into financial independence, where work becomes optional, and your legacy is secure. |
Got questions?
I have answers
What's the difference between The Study, The Ton, and The Queen's Court?
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.
Do I need to have a budget, savings, or investing experience before joining?
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.
How much time should I set aside each week for The Surplus Method?
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 consistently make progress toward your next financial milestone.
How long will I have access to The Surplus Method?
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.
What if I get stuck or have questions while going through The Surplus Method?
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.
How do the payment plans work?
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.
What is your refund policy?
Because The Surplus Method includes immediate access to digital lessons, downloadable tools, and financial resources, I want to make sure you feel confident about your decision before enrolling.
Refund eligibility depends on the program you choose and the terms agreed to at checkout. For The Queen's Court, the refund and cancellation terms will also be outlined in your private coaching agreement.
Is The Surplus Method available to women outside Canada?
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.
Is The Surplus Method financial advice or financial education?
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.
Can I upgrade from The Study to The Ton or The Queen's Court later?
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.
So what are you still waiting for?
Choose the level of support that works for you
Your next financial milestone starts here
You don't have to have everything figured out before you start. Whether you're working toward your first 30% surplus, paying off debt, building your first $100K investment portfolio, or making work optional, The Surplus Method gives you a clear path forward.
Choose the level of support that works for you and start building the financial future you want, without putting your life on hold.
FIND MY PROGRAM
