It is time to Stop Going Round In Circles, Living from Loans to Loans & Become DEBT-FREE!
Learn the skills and knowledge you need to get the ball rolling, stop being addicted to loans, be free from anxiety or worry & become financially free!
“ARE YOU SICK & TIRED OF BEING “SICK & TIRED” OF YOUR INCESSANT LOANS?”
✳ You are rich but really really poor 😭 This means you have a lot of investments for the future, but no damn cash in your pocket… so you are practically living on the edge every single time! ✳
✳ You cannot provide for your family because of your constrained finances✳
✳ You have not mastered the art of balancing your debts with other life priorities ✳
✳ You struggle a lot with making smart investment decisions using loans. Infact, all the loans you have taken before now, have never been used for its intended purpose✳
✳You are in so much debt that you are constantly worried and filled with anxiety✳
✳You can’t seem to have any money in your pocket whatsoever! Looks there is a constant hole in your pocket that is leaking out your money✳
✳You just don’t know how to save. You really want to save but saving for the rainy day feels so impossible to you✳
❗You PAY ALL YOUR LOANS BY TAKING ANOTHER LOAN❗
Take a look at the list of eight different concerns above. If you have nodded in affirmation to any one of these points, do yourself a big favor and read on…because you need a framework, a group and an accountability partner that will give you the strategies and the network to be consistent and dig yourself out of stressful debt.
Do you want a way out — and do you want it NOW? Like RIGHT NOW?!!!
I’m Christine Owande.
Educator, Financial Coach & Founder of Ardent Consulting
I equip and empower working class individuals and business owners who are debt-stricken, to learn the knowledge and skills needed to be debt-free and financially successful.
Through my consulting platform, I have helped my students move from absolutely no idea of how to get out of serious debts to living free and flourishing financially in 90 to 180 days.
Infact, before I became a financial coach, I was in serious debt — mean, serious, serious debt!!!
I was working in a financial institution where getting loans was very easy. With every chance I got out of my pay slip, I would take loans. I understood the right application process in getting loans, so getting loans was super-duper easy!
For every loan I got, some went to the intended projects, others did not. This borrowing lifestyle became so addictive…I reached a point in my life where I couldn’t do anything without taking loans! I was drowning every single day.
What a life!!!
My life was filled with so much stress and anxiety… I KNEW I HAD TO CHANGE! I HAD TO STOP!! But gosh… this was so hard… This lifestyle of living from loan to loan had become an addiction!
After a series of trial and error… I got a formula that worked…Oh boy, my life was changed and I have never looked back. This was not easy… but it worked for me!
With my experience of being in serious financial debt and coming out of it, I have learnt the ropes… I have become a better person & I have built a framework to help you succeed.
You see, getting out of debt takes REAL TIME, EFFORT & MENTORSHIP. You can nod your head in affirmation to all you have read and yet …still make the same mistakes that brought you here in the first place.
It’s not about your mental nod! Your mental nod will not take you out of debts…It’s about your ACTIONS!
Your STRATEGIC AND CONSISTENT ACTION is the only GUARANTEE FOR A DEBT-FREE LIFE!
Introducing…
The Managing Your Personal Debt Program
A 3 MONTHS TRANSFORMATIVE PROGRAM
Created with you in mind, to give you the mindset shift, right tools, support, knowledge and accountability you need to build your financial and resilient muscles successfully, so you can understand how to first get comfortable where you are, learn how to become debt-free and never ever get into debt again.
- Classify or categorize your loans or debt
- Plan your debt in order to get peace of mind with your current status
- Plan your debt management to suit your current situation
- Create an easy budget that you can remain committed to
- Change your mindset and be comfortable with your current situation
- Learn how to continue pursuing your investments, businesses and even emergencies with your current status
- Be comfortable investing or investing in a SMART way
- Learn how to always ensure you have money discipline
- Understand how to live within your means to ensure you get money back to your pocket
- Plan your finances to reduce unnecessary expenses
- Learn effective ways to reduce your anxiety when engaging in debts/loans
- Inculcate the skills you will learned in your day to day life
CLIENTS’ RESULTS
“Learn All the Skills You NEED to NAVIGATE ANY DEBT CRISIS!”
WARNING: If you are looking for a quick fix in coming out of debts, not willing to put in the work, not willing to be accountable to a coach and not willing to take feedback positively, then this program is NOT for you.
Tackling your debt takes time and effort, but combining the right strategies and being consistent will help you successfully dig yourself out of stressful debt in 90 to 180 days.
Here’s Exactly What You’ll Get When You Join the “Managing Your Personal Debt Program” today.
Debt Health Check Tool (Value: Ksh. 75,000)
It’s a tool that tells you the actual state of your debt. It analyzes how deep you have gotten into debt. Without this tool, you will be assuming and not going anywhere as regards debt management. This is the first step in managing your debt
Expenditure Tracker (Value: Ksh. 80,000)
If you want to win the war of debt management, you’ll need to change all the actions that have brought you here. In doing this, tracking your expenses for 30 days non-stop is non-negotiable. This Expenditure Tracker will take the work out and help you track your daily spendings. All you need to do is fill it in as you go about your day.
Loan Analysis Tracker (Value: Ksh. 60,000)
The Laon Analysis Tracker is a worksheet that helps you list your loans in order of priority. This tracker will help you organise your loans and create a debt management plan in order of pressing priority.
Budget Template (Value: Ksh. 125,000)
A budget is extremely key in controlling your spending, tracking your expenditure and saving money. It is the template with which you build all other money goals on. Having a budget makes you avoid the mistakes of unplanned finances and giving into emotional pleasure. It’s okay if you don’t know how to create a budget. With this budget template, you’ll be amazed at how easy budgeting for the month can be.
Project Evaluation Form (Value: Ksh. 60,000)
The project evaluation form helps you in investment decisions. It helps you decide which project adds more value. No more investing in projects that keep you broke in the present, but rich in the future. This will come handy once you’ve straightened your current debt issues and now investing.
Plus, these Special Bonuses 👇:
Bi-weekly calls with me
One of the crux of the program is that you have a lot of WORK to do. Each module contains real exercises to be done. In doing this, I know you’ll have lots of questions as you try to implement them. So, you get access to bi-weekly calls with me where you can ask me any question or any challenge you might be facing in getting your work done. I will also be your accountability coach. You must get the job done, no excuses!
- Community with like-minded individuals like you
In addition to bi-weekly calls, you’ll join a network of like-minded individuals who are serious about their financial growth and thriving journey. Imagine the business networks, accountability partners and moral support group you will have access to as you begin to flex your financial muscles? This itself is priceless!
You might be wondering, why all these bonuses for free? Is there a catch? There is NO CATCH!
My biggest passion is to see lots of Kenyans live debt-free and fulfil their dreams. No matter how much you earn, if you are laden with a lot of debts, it’s difficult to focus on what truly matters to you. A debt-stricken life comes with worry and lots of anxiety.
And you don’t have to commit 100%. You have a:
- 100% Money back guarantee if you enroll in 30days, if you go through the course work and feel like it is not perfect for you.
- You also have access to two payment instalments. You can decide to enroll now, listen to all the nuggets and decide if you want to proceed with the program or not.
This OFFER IS LIMITED AND AVAILABLE FOR 7 DAYS ONLY.
What You’ll Learn in the “Managing Your Personal Debt Program”
- 24/7 Access to 4 Intensive Modules
MODULE ONE
CREATING AN EMERGENCY FUND
An emergency fund gives you the peace of mind you need should you lose your job or source of income.
In this module, you’ll
- Understand why it is key to have an emergency fund. A loss of job is most times, not the only reason.
- List out all the emergencies that can throw you back into debt again.
- Understand the key steps you must follow in creating an Emergency fund as soon as possible
- Implement this module by creating your Emergency fund. IMPLEMENTATION IS KEY AS YOU GO THROUGH THE PROGRAM!
MODULE TWO
YOUR DEBT MANAGEMENT PLANS
Your debt management plan is the number one step after you’ve created an emergency plan.
In this module, you’ll:
- Learn the 7 listed plans in paying off your loans
- Categorize your loans in tangent to your debt management plan, whether it’s from high interest to low interest, or short-term loans to long-term loans etc.
- Learn the snowball effect in clearing off your loans
- Learn how to use the Loan Analysis Worksheet and implement it by using this worksheet to categorize your loan.
MODULE THREE
CREATING A BUDGET
A budget is the plan for your finances. It helps you control your spendings, track your expenditure and save money.
In this module, you’ll learn:
- Why having a budget is EXTREMELY IMPORTANT in avoiding the mistakes of unplanned finances and giving in to emotional pressure
- How to keep out of bad debts
- How to track your daily spending
- Use the Expenditure tracker to track your spending for 30 days.
MODULE FOUR
SETTING YOUR FINANCIAL GOAL
Your financial goals help you plan your money. It helps you control your money, plan for your passions without having to go broke.
In this module, you’ll learn:
- How set a SMART financial goal
- The secret ingredient in keeping your financial goals — that is, having an accountability partner.
- How to create and stick to a budget
- Implement this module by filling in your budget template and Project Evaluation form in keeping your financial goals.
VISUALISE IN 90 DAYS FROM NOW:
🏦 INVESTMENT: You can invest in your passions like building a home, setting up a business etc. because you understand how to evaluate your projects.
💰 INCOME: You are able to buy what you want, without constant worry of how to get a loan to finance it.
🛏️ COMFORT: You can engage your phone freely, not worrying about notifications, calls from strange numbers on suspicion of debts.
✈️ FREEDOM: You can choose how to spend your money without the stress of debt.
You’ve Got Two Choices Right Now:
#1
Go through all my videos online, read a lot of my posts, study materials on personal debt management online, spend precious time researching and try implementing. You might find a way out. You might even find a formula that works but you see, CONSISTENT ACTION + ACCOUNTABILITY is the WAY TO GET OUT OF DEBT. I’ve been here, so I can tell you this for free!
#2
Join the Ardent Consulting “Managing Your Personal Debt Program.”
Save yourself precious time, money and frustrations by registering, learning a step-by-step blueprint from someone who’s been in debt and gotten out of it. What helped me get out was not knowledge because I had lots of it. What helped me get out was CONSISTENT ACTION with ACCOUNTABILITY & this is what you get that fast-tracks your process when you join my program.
The best time to Rid Yourself of Debt was 90 Days Ago, the next best time is NOW! 90 Days from NOW, you’ll wish you STARTED TODAY!
Let’s Recap… This Is Everything You’ll Get When You Join the “Managing Your Debt Program” TODAY”
- Four Intensive Modules that Takes You from Debt-stricken to Financially—Skilled
- Debt Health Check (Value: Ksh. 75,000)
- Expenditure Tracker (Value: Ksh. 80,000)
- Loan Analysis Tracker (Value: Ksh. 60,000)
- Budget Template (Value: Ksh. 125,000)
- Project Evaluation Form (Value: Ksh. 60,000)
- Bi-weekly Calls with the Me (PRICELESS)
- Community Aspect with Like-Minded Individuals for Moral Support and Networking, through a WhatsApp Group (PRICELESS)
Also, I’ll BE YOUR ACCOUNTABILITY PARTNER for 3 Months ONCE YOU ARE DONE WITH THE PROGRAM.
This is what having me as your accountability partner will do for you:
- I will hold you accountable to what you’ll do
- You will receive honest feedback from me
- I will help you stay on track by doing all that you must do
Research has shown that when you publicly share your goals, you have around a 65% chance of success. However, having an accountability partner boosts that chance to 95%.
THIS WEEK’S OFFER (Ksh. 28900 OR Two payments of Ksh. 15,900)
FAQs
The whole course is 4-modules. Each module contains different lessons that further explains the concept in detail. You will also have access to a bi-weekly coaching call from me where and an accountability group that helps you implement all the practicals needed.
You will be put in a WhatsApp group where you will meet other like-minded individuals like you. I will send you links weekly where you will have access to the bi- weekly live coaching calls.
Yes, you get access to the course immediately you pay. You can also finish the program at a go. But we recommend that you take the program one module per day.
This program is not just about a theoretical and mental nod! It’s not browsing through the modules and concluding that you are done. There is REAL WORK to be done. I emphasize a lot on the practical and implementation exercises that the program contains because that is what is more important, taking action! So, whether you’ve been in debt for so long or just a newbie to this world, this program will give you the principles to take you out of it with speed… if you put in the work!
How does life-long sound? Great. Right?
There is an opportunity for part payment. You should look for a way to join in because this is about your finances. When you are in debt, you have a lot to worry about and it is hard for you to achieve your dreams. And I know you want to achieve your dreams… right?
Yes, you can. 30 days from date of purchase, if you have done all the practicals, attended all bi-weekly calls, and show evidence that you completed all implementation exercises, and it hasn’t led to any change, then I will refund you 100%, no questions asked!
This course is for individuals who are in serious debts and are looking for a way to get out. Irrespective of your age, whether in your 20s or late 60s, you can register for this program.
Still got some more questions? Please send a mail to consultardent48@gmail.com or call us on 0798505891 and one of our team will get back to you.
You see, being overwhelmed with debts and loans is not the best place to be. An investment in Knowledge pays the best interest. Get the knowledge and skills to be free today! I really can’t wait to begin this journey with you.
©All Rights Reserved. Copyrights by Ardent Consulting. Christine Owande.
Hi Christine “I am glad you came to our aid when we were struggling to make profits at Walinzi Sacco. You made it so easy, yet eventually we were able to turn around and make profits. Through your guidance, we were able to pay dividends to our members. We thank Ardent Consulting for sending you over. Asante. You really helped us. You came at the right time.”
Joyce Walinzi Sacco