Ardent Consulting Kenya

Ardent Consulting Kenya Welcome, we are Ardent Advisory Alliance Ltd. A financial professional organization in Nairobi.

At times it's difficult facing your financial challanges and you may do well in a group. They say there is strength in n...
08/03/2022

At times it's difficult facing your financial challanges and you may do well in a group. They say there is strength in numbers.
Some people just like to be challenged by friends to achieve their goals.
We offer group coaching at ardent on the following services.
Have some friends you can do this with? Call us today.

Debt can be addictive.How many times do we look at drug addicts or alcoholics and think we are not like them.You wonder ...
25/02/2022

Debt can be addictive.

How many times do we look at drug addicts or alcoholics and think we are not like them.

You wonder why they waste money on things that are not important in their lives.

Have you looked inside. We are approaching end of the month and your expecting that salary. Check after how many days upon earning your pay will you take your first loan.

Alcohol is a waste right? How many expenses do you spend on that is a waste?

Did you just buy that shoe that you will never wear, or that necklace that looked very attractive, and even that big car from a loan?

If we look inside we will realize that most of us are addicts. The level differs and the addiction type is also different.

The reality is it's an habit that is hard to stop and that's exactly what addiction is.

Did you know there is healthy debt and unhealthy debt?Did you take your loan for investment or consumption? One is healt...
24/02/2022

Did you know there is healthy debt and unhealthy debt?

Did you take your loan for investment or consumption? One is healthy the other is not.

Did you have a plan before going for that loan and did you eventually use the money for the intended purpose or you used a small fraction to thank your body😁😁. That portion you used to thank your body is unhealthy debt.

Did you seek proffesional advise before going for that loan. Or did you evaluate the project to know when you will break even or when to expect return on investment?

Did you carry out due diligence on the project you were investing on or you emotionally spent your money on it.

Did you consider how you will repay the loan and how much money you will have to survive with during the loan repayment period?

Did you consider if your investment will create a cashflow or what value it will add and after what period of time?

Did consider the risk of the project you were engaging in and how you will survive after it fails?

Let's be wise as we make our financial decisions.

Our current society is sick with debt.The ease of access is not making it easy. This was brought about by improved techn...
21/02/2022

Our current society is sick with debt.
The ease of access is not making it easy. This was brought about by improved technology and competition.

What we ought to know is that the cost of debt has not gone down because of competition which is true in other aspects of life.

Its almost putting the culture of saving to its deathbed.

Where does the solution lie?
Is it with you?
Do you have the right tools to adress them?

What do you do when you are ailing. You look for a doctor.
Let's learn to adress our mental health before they take us to actual hospitals.

Let's look for the right tools to adress the matter of debt.

Start by a small step at a time and you will get there eventually.

The journey to success is not easy. Keep your eyes on the price even if everything in you is telling you to give up.You ...
17/02/2022

The journey to success is not easy. Keep your eyes on the price even if everything in you is telling you to give up.

You know those self talks you have that are not good for achieving your goal? I am not good enough, what will people think, I am so tired today, I dont have what it takes, I have failed severally I can't do it again. The list is endless.

We all have such self talks but passing through them and doing what you ought to do is what makes the difference whether you succeed or fail.

THERE IS NO SHAME IN DEBT! CONFESSION FROM A CEOA study has it that more than 80% of Kenyans are in debt. 60% are overwh...
15/02/2022

THERE IS NO SHAME IN DEBT! CONFESSION FROM A CEO

A study has it that more than 80% of Kenyans are in debt. 60% are overwhelmed by it. This shows you are not ALONE.

The above study doesn't remove the fact that debt is also a cause of a number of lifestyle diseases like anxiety, stress depression, etc.
Employers are affected too, most staff don’t give their all because they are not at peace and looking for how to finance their lives through loans always asking for advances not aware that even employers are in the same web of debt. We, therefore, need to address it by being comfortable in debt and having a step-by-step plan on how to clear the debt.

My name is Christine. I was a Finance Manager and CEO in a Sacco for over 10 years. Because I got these positions very young, I made a decision that instead of having this so much cash in my pockets, I will start investing. Looking back this was a bad decision.
I got so addicted to buying assets which was a good thing, I didn’t think I had thrown a very big rope around my neck at this point. I was learning a lot of lessons from these investments, lessons which I carry with me to date.

The problem was, I was doing this with loans, which because of the environment I worked in was very easy to get. I didn’t realize that the rope was getting tighter as the years went by. Surviving from one salary to the next started being challenging but I consoled myself in the net worth I was growing.
I reached a point I could not breathe, as my friends thought I was doing fine, I started going for all sorts of loans, mobile loans, logbook loans, salary advances you name it.
These loans were killing me, I had a lot of stress and I started living like a zombie.
Until sometime four years ago when I changed jobs to a non-financial industry and I said I needed to STOP. Only to realize this was an addiction like any other it wasn’t easy but I was determined to work through it.
I did this by eliminating the small loans and not taking any other loans. As much as I am still in debt like any other person. It's not the loans that almost killed me and I am more comfortable because I found a solution that works for me.
I made it my mission to help one person at a time and my big goal is to help at least 1000 people this year. I have been progressing well and the people I have helped are seeing a similar change in themselves.

If you feel stuck DM or send a WhatsApp message to +254 798 505 891

But first, before we have a conversation you can use this free confidential debt evaluation tool to understand your status. It will allow us to have a conversation from a point of awareness. debts.appkrypt.com
I am not saying it will be easy and if you are expecting it to be then do not reach out. It requires hard work on your part. What I will give you is the mindset to deal with your finances better so that you can be comfortable in debt and eventually clear them.

Let's do this. The world and economy are harsh enough but we can’t allow it to control us to the point of affecting our health.

WhatsApp: Number is +254 798 505 891 link: Debts.appkrypt.com
Have a blessed day.

Are you laden with debt not sure what to do?Use our free self debt evaluation toolkit below and send a WhatsApp message ...
14/02/2022

Are you laden with debt not sure what to do?
Use our free self debt evaluation toolkit below and send a WhatsApp message on +254 798 505 891 for further assistance.

Did you know that Salary Advances is just another way of you living beyond your means?It shows lack of financial plannin...
13/02/2022

Did you know that Salary Advances is just another way of you living beyond your means?

It shows lack of financial planning because you cannot survive from one pay check to another.

If you have to pay your rent from salary advance it also proves your disorganized leave alone inconveniencing your landlord.

What your employer or boss may not tell you is that it taints their image of you. They can't talk about it because it's policy but they wonder what else you cannot manage apart from your personal finances.

Monday 14th is the deadline for application of salary advances. Can you try to skip it and see what happens? It will not be easy but no one says success is easy.

You will be happy you did it.

Have a thoughtful week ahead.

Who is an accountability partner and do you have one?This is your right hand supporter who will stand by your side, thro...
01/02/2022

Who is an accountability partner and do you have one?

This is your right hand supporter who will stand by your side, through your ups and downs, even as you embark on the journey of achieving your goals.

Think of having a gym buddy or even a coach who ensures that you finish your daily workouts to get to your ideal weight. It will not always be easy and at times has a lot of pain.

It has to be someone you respect and would not want to dissapoint. Because if you do and they leave you have much more to lose than they do.

Your accountability partner does not contribute to your goal neither do they help you carry out the assignments you need to carry out to succeed.

Funny thing is at times they ring in your ear when your making those bad choices.🙄🙄

They also give you both positive and negative feedback. You need to be prepared to take it positively.

Research shows that when you publicly share your goals there is 65% chances of achieving it. When you have an accountability partner it moves to 95%.

Happy choosing. But first set your goals.

What is your biggest challange in having a savings culture?
17/01/2022

What is your biggest challange in having a savings culture?

16/01/2022

Have a Billionaire's mindset:

Invest only in assets that will provide a positive return.

Some of the said asset is time.

Address

South C
Nairobi West
00509

Opening Hours

Monday 09:00 - 17:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 17:00

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