Surplus Challenge
For 2026

Start the year right — find, grow, and protect your surplus.

For years on The Property Couch, we’ve said the same thing:
your surplus is the fuel that powers your entire financial journey.

And 2025 was a big year for that message.
We launched our new book — How to Retire on $3,000 a Week | The Property Couch’s Playbook to Passive Property Investing — and shared the exact frameworks thousands of Australians are now using to build passive income the right way.

But knowledge alone isn’t enough.
We want 2026 to be the year our community actually takes action.

That’s why we created the Surplus Challenge.

Your surplus shapes everything — your money confidence, your property strategy, your borrowing capacity, and your long-term freedom. Most people don’t know what theirs truly is, and that’s where things go wrong.

This challenge gives you clarity.
With Moorr doing the heavy lifting, you’ll uncover your true surplus, understand where your money is going, and put a simple, sustainable system in place.

One small shift at a time… and it all begins here.

For years on The Property Couch, we’ve said the same thing:
your surplus is the fuel that powers your entire financial journey.

But knowledge alone isn’t enough.
We want 2026 to be the year our community actually takes action.

That’s why we created the Surplus Challenge.

This challenge gives you clarity.
With Moorr doing the heavy lifting, you’ll uncover your true surplus, understand where your money is going, and put a simple, sustainable system in place.

One small shift at a time… and it all begins here.

SMALL SHIFTS MAKE A BIG DIFFERENCE

What You’ll Do in the Surplus Challenge

Over the next few weeks, you’ll:

Who Is This For?

This challenge is perfect if you’re:
✔ Planning to invest in 2026
✔ Wanting more clarity and control over your money
✔ Tired of budgeting apps that don’t actually change behaviour
✔ Wanting to reduce stress and feel more financially organised
✔ Ready to invest but unsure how to start
✔ Already investing and want to strengthen your cash flow position

Basically… everyone who wants to build wealth properly.

The Goal?

By the end of this challenge, you’ll have:
✨ A clear surplus
✨ A target that aligns with your goals
✨ A system to keep your money organised
✨ More confidence heading into investing decisions
✨ A financial foundation most people don’t even know they need
This is how you transform your financial year — and your future.

Your Surplus Challenge Timeline

Before you can grow your surplus, you need to know where your money is really going.
This month is all about awareness, clarity and data.

Start with the foundations: Track your spending (Moorr makes this easy), identify patterns and add up the categories that surprise you

So here's Your December Action Plan:

Step 1: Look backwards before you look forwards — import your last 12 months of CSV transactions into Moorr. Not sure how? Click here to find out more >

Step 2: Let Opti do the heavy lifting — AI sorts and allocates automatically.

Step 3: See your real spending patterns clearly — fixed, flexible and discretionary.

Step 4: Make informed trade-offs — not cutting everything, just choosing what matters least.

Step 5: Set your Surplus Target for 2026!

Now that you finally understand your spending, you’re ready to uncover your true surplus.

Additionally: Set up or review your MoneySMARTS flow!
👉 New to MoneySMARTS? Learn the framework here >>

Jan 2026

January is all about building on the groundwork you laid in December. This is often the most eye-opening month — the moment you start transitioning from guessing to knowing. Your January Focus:

Continue refining what December revealed
Expect the first month to feel surprisingly easy as spending patterns surface
Start tweaking your categories and jars
Do a fresh CSV import to track your January spending
Adjust your Surplus Target if needed

PLUS — 📆 13th January 2026 Join us for the Surplus Challenge 2026 Kickstart Webinar! Reserve your spot here > This is where your financial confidence really starts to build.

Feb - June 2026

These months are all about turning insight into habit.

Your Monthly Rhythm:

Import your CSV transactions monthly
Review your surplus trend
Adjust your budget where needed
Identify one “surplus win” per week
Refine your spending categories
Celebrate progress — even the small gains matter

The goal is consistency, not perfection.
This is the phase where most people fall off — but you won’t.

July–November 2026

Now your surplus is stable and predictable — time to shift gears into strategy.

Your Strategic Focus:

Track progress quarterly
Look for opportunities to increase surplus
Review interest rates, buffers and cash flow
Align your surplus with your long-term property plan
Check in with your MyGOALS targets

Your surplus is now an asset — use it wisely.

p.s. By then, Moorr might have released Open Banking making your surplus tracking even easier!

Dec 2026

You stuck with it. You tracked, adjusted, learned and kept moving.
Now you’re finishing the year with more clarity, confidence and control than you started with — and you’re not done yet.

2026 was just your warm-up.

Moving forward

2026 Challenge Summary

December: Know your spending with our Transactions Tool.
January: Find your surplus + set your target
February: Build your money system
March: Strengthen habits
Apr–Jun: Build momentum
Jul–Dec: Stay consistent & align with goals

One year. One number. One massive shift.

And that’s exactly why we created the Surplus Challenge.

Your surplus shapes everything — your money confidence, your borrowing capacity, your property strategy, and ultimately your freedom. Most people don’t actually know what theirs is… and that’s where things fall apart.

This challenge gives you clarity.

With Moorr doing the heavy lifting, you’ll uncover your true surplus, see where your money really goes, and build a simple, sustainable system that supports every financial decision you make.

*Create your Free Account today

Ready to take the challenge?

Let’s do this together.