Transform Your Relationship with Money

Discover creative budgeting methods that really work in everyday Canadian life. Over 3,200 people have already transformed their financial lives with us.

89% Reduced Unnecessary Spending
3.2k+ Active Participants
$2.1k Average Annual Savings

The Method That Works in Canadian Reality

We’ve developed a unique approach that considers the specifics of the Canadian market - from housing costs to typical Canadian family consumption patterns. This isn’t another generic personal finance course.

  • Adaptation to Canadian salaries and cost of living
  • Strategies to cope with current inflation
  • Planning considering available social benefits
  • Methods tested with over 50 families in Toronto and Vancouver
  • Focus on practical solutions, not academic theory

Direct Comparison with Other Approaches

We analyzed the main financial management methodologies available in Canada and found significant differences in practical results.

Features
Morivalthenqua
Method A
Method B
Adaptation to Canadian market
Complete
Limited
Nonexistent
Ongoing support
12 months
3 months
None
Dropout rate
8%
24%
41%
Results in 6 months
89% positive
67% positive
34% positive

Curriculum Developed by Experts

Each module was created based on real Canadian family cases and tested for two years before being included in the main program.

Orçamentação Criativa Básica

Fundamentals tailored to the Canadian economic reality, including specific strategies for different income levels.

  • Analysis of Canadian spending patterns
  • Customized categorization methods
  • Free digital tools
  • Management of seasonal expenses

Poupança Estratégica

Advanced savings techniques that consider investment options available in Canada and current tax incentives.

  • Canadian emergency fund
  • RRSP and TFSAs
  • Automatic savings strategies
  • Planning for specific goals

Gestão de Dívidas

Systematic approach to debt reduction and elimination, focusing on the specific conditions of the Canadian banking system.

  • Mortgage renegotiation
  • Debt consolidation in Canada
  • Accelerated payment strategies
  • Consumer legal protection

Planeamento a Longo Prazo

Building wealth and preparing for the future, considering the Canadian pension system and national economic trends.

  • Supplementary retirement in Canada
  • Local real estate investments
  • Basic estate planning
  • Insurance and family protection
2024
Best Fintech Innovation
Canadian Bankers Association
2023
Digital Financial Education
Bank of Canada
2023
Startup of the Year - Social Category
Collision Conference Toronto

National and International Recognition

Our work has been recognized by financial institutions, regulatory bodies, and international organizations. This external validation confirms the quality and effectiveness of our methodology.

"I finally found a method that speaks my language and understands the Canadian reality. In eight months, I was able to completely organize my finances and build a solid emergency fund."

Benedita Carvalho
Participant since March 2024

The next classes start in September 2025, with limited spots to ensure personalized support for each participant.

Start Your Financial Transformation

Join the hundreds of people who have already transformed their relationship with money using methods tailored to the Canadian reality.

Learn More Meet the Team