Revolutionize Your Financial Future

Disoja Hagako provides Canadians with proven financial education strategies to master budgeting, eliminate debt, and build lasting wealth.

Start Your Journey

About Disoja Hagako

Disoja Hagako emerged from a simple observation: too many Canadians struggle with financial basics despite living in an economically advanced nation. Founded in 2018, our collective of financial educators, economists, and behavioral specialists developed a unique approach to personal finance education.

Our methodology combines practical budgeting techniques with behavioral psychology to create sustainable financial habits. We believe financial literacy isn't about complex investment strategies but about mastering the daily decisions that determine long-term prosperity.

Unlike traditional financial advisors who focus on products, we focus on education and empowerment. Our programs have helped over 5,000 Canadians transform their relationship with money and achieve financial stability.

Disoja Hagako financial education workshop

Our Educational Programs

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Budget Foundation

Master the art of budgeting with our flagship program. Learn to track expenses, categorize spending, and create a sustainable budget that aligns with your financial goals and lifestyle.

Includes practical worksheets, digital tools, and personalized feedback on your budgeting approach.

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Debt Elimination

Systematically eliminate debt using our proven snowball methodology. This program helps you prioritize debts, negotiate with creditors, and develop a realistic repayment timeline.

Includes debt tracking templates, creditor communication scripts, and psychological techniques to stay motivated.

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Wealth Building

Transition from debt management to wealth accumulation. Learn basic investment principles, retirement planning, and how to build assets that generate passive income.

Includes investment comparison tools, retirement calculators, and asset allocation guidelines.

Program Pricing

Basic Program

$97/one-time
  • Self-paced online courses
  • Budgeting templates
  • Expense tracking tools
  • Email support
  • Community access
Enroll Now

Premium Program

$247/one-time
  • All Basic features
  • Personal coaching sessions
  • Customized financial plan
  • Debt analysis
  • Priority support
  • Wealth building modules
Enroll Now

Group Program

$497/group
  • For organizations or families
  • Customized workshops
  • Group coaching sessions
  • Organizational materials
  • Progress tracking dashboard
  • Quarterly refreshers
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Success Stories

Frequently Asked Questions

How is Disoja Hagako different from financial advisors?

We focus exclusively on education, not product sales. While financial advisors typically recommend specific investments or insurance products, we teach you the principles and skills to make your own informed decisions. Our approach is product-agnostic and centered on building your financial literacy and confidence.

Do I need any special software or tools?

No special tools are required. We provide all necessary templates and worksheets in multiple formats (printable PDF, Excel, Google Sheets). While we recommend basic spreadsheet software for tracking, all exercises can be completed with pen and paper if preferred.

How much time will the program require?

The initial learning phase requires 3-5 hours per week for the first month. Once you've established your systems, maintenance typically takes 1-2 hours weekly. The program is designed for busy adults, with content delivered in manageable modules that you can complete at your own pace.

Is this suitable for Canadians with variable income?

Yes, we specifically address the challenges of variable income that many Canadians experience due to seasonal work, freelance arrangements, or commission-based earnings. Our budgeting method helps create financial stability regardless of income fluctuations.

What if I'm already in significant debt?

Our Debt Elimination program is specifically designed for those with substantial debt. We provide strategies for prioritizing debts, negotiating with creditors, and creating sustainable repayment plans. Many clients start with significant debt and achieve debt-free status through our system.

Do you offer refunds if the program doesn't work for me?

We offer a 30-day satisfaction guarantee. If you complete the initial modules and apply the strategies as instructed without seeing measurable progress, we provide a full refund. We're confident in our system's effectiveness when properly implemented.

Start Your Financial Transformation

Disclaimer: Disoja Hagako provides financial education services, not financial advice. We are not licensed financial advisors, brokers, or accountants. The information provided through our programs is for educational purposes only and should not be considered as professional financial advice. We recommend consulting with qualified professionals for personalized advice regarding your specific financial situation. Individual results may vary based on effort, circumstances, and implementation of strategies taught. Past performance is not indicative of future results.