How often do you say to each other that it's now time to STOP money arguments yet failed to do so?
the Ultimate Harmony and Money Blueprint A.K.a.
That Leads You to Financial Empowerment and Peace of Mind You and Your Spouse Long For
One Brilliant IDEA led us To Our FINANCIAL TRANSFORMATION In Less Than 90 Days
Hi I’m JET ELNAR.
I am a U.S. certified marriage mentor, marriage assessment facilitator and I have the privilege to mentor spouses for more than ten years now. I have seen my share of marital struggles but what I have also seen ang power ni God na magtransform ng relationships.
Pero bago ako naging marriage mentor ito ang storya namin mag-asawa.
Our HARMONY & MONEY STORY
I would like to tell you our story about being saddled with debt (sa madaling salita nalibing sa utang), and how I managed to gain control over my finances together with my hubby, start a profitable business, and live the life I always imagined.
Tulad mo pumasok kami sa pag-aasawa na ang nasa mindset ay magkaroon ng magandang pagsasama, magkaroon ng magandang buhay, masaya kasama ang mga bata at kung may problema man na darating kasama kaming makipaglaban sa buhay.
Ngunit iba ang nangyari.
Nagkaron ng cancer ang nanay ko.
Nagkasakit mga magulang ng asawa ko.
Nagcomplete bed rest ako ng mabuntis at napahinto sandali sa trabaho ko.
Lagi na lang kaming kapos sa pera may trabaho naman kaming dalawa pero ang laging favorite line ko noon “kulang to.”
Unang araw pa lang ng pagsasama namin meron na kaming utang.
Nagmortgage kami ng bahay sa Pag-Ibig.
After 1 year nagka-anak at nagkaroon ng dagdag gastusin.
On this same year dahil malayo ang workplace namin sa bahay namin umutang ng sasakyan.
Isang araw dala dala ng asawa ko ang isang card ayon credit card pala ang tawag nyon. Happy dahil may mapapag-uutangan daw kami para pang-emergency. Never na naiintindihan namin na laki pala maging interest sa utang na yon na lomolobo sa pagdaan ng panahon at nagkacredit card trouble.
So ang kita namin mag-asawa hanggang daily expense at pambayad ng utang palagi, minsan kulang pa nga pambayad kaya utang para ibayad ng utang.
All this time na meron kaming daming problema away kami ng away, walang peace of mind at feeling namin naging ipokrita kami kasi smile at serve kami sa church pero sa loob ng bahay disaster ang buhay. (Ang picture namin sa baba re-enactment na lang yon dahil wala pang selfie noon, pero sobrang pangit ng mukha namin at ugali namin pag kami ay nag-aaway).
Hanggang isang araw sa edad na 37 nastroke ang asawa ko. Ito ang turning point ko dahil as in literal BROKE kami, ni piso wala kaming naitabi for emergency. Puro pa kami utang huhu.
Ngunit ito rin ang nagpabukas ng isipan namin. Di namin akalain na kailangan namin di lang “financial literacy” but most of all “FINANCIAL TRANSFORMATION.”
Ang transformation kasi nagsimula sa sariling loob namin mag-asawa.
Sobrang dalangin ko ng financial healing.
Ang asawa ko naman prayer din niya ang physical healing at disiplina sa katawan.
Dahil nga mahina ang katawan ng asawa ko nag-decide kami na mag-early retirement siya, para na rin meron partial pambayad ng utang.
Nagkaroon ako ng chance mag-apply abroad, apply agad kasi ang isip pag maging OFW ako meron na akong pambayad ng utang. Thinking that it will help alleviate our financial condition I applied for the position. Within a year we, together with fellow teacher applicants were interviewed, made to pay fees, promised of a sponsoring school yet still we were not deployed abroad. We were made to hope that sponsoring schools were still working on our papers.
Ngunit alam nyo po ba kamalas malas talaga nai-scam ang 6 figure na pera na inutang namin para sa work na yon. Huhu ulit.
Maling financial decisions ulit.
So para mabayaran na naman ang utang ako naman ngayon ang nag-early retirement. So dalawa na kaming jobless.
Dagdag problema stage four cancer na rin ang nanay ko.
Then we found our SAVIORS
Sa ngayon no more utang, merong investments, merong pagkakaunawaan in short May Harmony Na May Prosperity Pa, modesty aside am not bragging gusto ko lang ipaabot sa inyo na talagang merong magagawa sa isang sitwasyon na sa tingin mo noon wala ng lutas at bukas.
Looking back ano-ano pala ginagawa namin para makamit ang FINANCIAL TRANSFORMATION na dinalangin namin?
Ano ba secret formula namin mag-asawa at nakabawi kami sa sitwasyon namin?
Una, PRAYER walang ibang nagpapagulong ng buhay namin na may WISDOM, may DISIPLINA, at PUNO ng PAG-ASA kung di ang Dios lamang;
Buti na lang may mga tunay na kaibigan at kapamilya kaming tumutulong samin sa panahon na yon. Thank you Lord talaga ang laging naisambit ko.
Pangalawa, nagkaroon ng RELATIONSHIP MENTOR at FINANCIAL COACH para silang nag-guide samin ano ang next ninja moves, first step, second step, third step...slowly but surely this time para makabawi naman kami sa buhay. Tinanggal namin ang pride pride na yan, nagpakatotoo kami na kailangan namin ng tulong, para kaming student uli;
Pangatlo, NAG-ARAL kami, lalo na ako (di ba sa Pinas tayong mga wifey ang binigyan ni hubby ng malaking papel sa pagbubudget at pagpapalago ng pera mag-asawa, wala kasing pormal na school para dito sa mga wifeys). Inaral namin papano nga magkaroon ng additional na income, na walang utang at magkaron ng added na kita maliban sa sweldo at lalo na kung papano makamit ang pagkakaunawaan sa isat isa at maiintindihan namin ang money relationship namin mag-asawa (nagpa-marriage assessment kami).
Nag-attend ng kadamidaming seminars both offline and online, nagbasa ng kadami daming libro;
(Naging online mentors namin sina Coaches Jon, Laurent at Doc Lloyd).
Nagbunga naman ang pag-aaral namin dahil sa ngayon kumikita na kami online.
Lalo na ngayon, if you've noticed online ventures went high when the COVID crisis came to the world.
Pang-apat, CHANGE MINDSET. Kung noon ang laging sambit ay “kulang ito” ngayon “Kaya natin to, daming magagawa natin para magkaroon ng pera para magamit natin sa pangangailangan natin, sa pamilya at kung maari makatulong sa ibang tao.”
Panglima, AKSYON. Walang mangyayari sa buhay kahit daming natututunan kung walang aplikasyon. Lahat na assignment na pinagagawa samin ginagawa namin.
Pang-anim, ENJOY the journey. Tawanan ang problema, gawan ng paraan. Kasi noong away kami nga away, nagkasakitan ng loob, mantakin mo naman sasabihan ako “ubos na naman saan ba napunta ang sweldo ko?” nagngingitngit talaga ang loob ko sa galit grrrr... pero di rin naayos ang problema. So mas mabuti lamig ng ulo at i-enjoy na lang muna ang journey.
We got a Work-Smart-Not-Hard IDEA
What if I found powerful blueprints from them. I was thinking for a moment about it and then I did it. I modeled ( modeled, not copied) every advice we received from our coaches and mentors and convinced my spouse to achieve balance in our couple harmony and money and start growing our money in marriage yet never lose our spirituality.
Then, I followed 3 steps:
1. create our Younique HarMoney Blueprint that we easily followed through
2. looked for our PESO DNA then MIXED & MATCHED
3. used a NO Brainer HarMoney Cashflow System leveraging the internet
Nagkaroon ng online course - HarMoney Masterclass - 8 Weeks ko igaguide lahat na kailangan matututunan mga spouses para maayos ang pagkakaunawaan (Harmony) at additional na pagkakakitaan (Money) ng mag-asawa. Sa masterclass kong ito nirereveal ko ang mga ginawa ko para makumbinsi si hubby na dapat i-workout namin maayos ang budget namin mag-asawa.
Sa ngayon offline nagkaron kami mga imbitasyon ng Talks sa mga workshops para magshare sa mga mag-asawa ano sikreto namin at ano mga ginawa namin at makamtan ang Harmony at Money.
Naging speaker ako sa isang in-person program na nagtuturo tungkol sa Financial Empowerment ng mag-asawa.
Ini-interview ng mga online entrepreneurs to share what I know on balancing Harmony and Money.
With Mam Violy Maingpis author of My Buckets That Boost My Bucks
and founder of https://www.isavenvestify.com
Now paying forward, I will be sharing lessons my husband and I learned on that experience to you in less than 90 days which we were able to learn in several years. You will no longer enroll on several seminars, buy tons of books, hop from one mentor to another because I am going to journey with you step by step in your creation of your one unique harmony and money blueprint.
EVERY GREAT MARRIAGES BEGIN WITH A SOLID FOUNDATION!
Yup, there's no perfect marriage but there are strong marriages because of the solid foundation the couple built together. Spouses may commit mistakes like us, but that doesn't mean that there is no hope to make life together great.
I've made it my mission to spread the message about my HarMoney Blueprint to equip and mentor more and more spouses create healthier, wealthier, happier and empowered marriages. Para matulungan ang mga spouses sa tamang mga stratehiya o pamamaraan to be able to connect with their life partners, save marriages before it starts to crumble using the HarMoney Blueprint Without Having To Go Through Painful Confrontation.
To realize this mission I need to build infrastructure and team.
My Vision: Isang tribu of empowered spouses who achieve balance on HARMONY & MONEY and if you'd like to support this mission I invite you to join HarMoney Academy.
You are Just Moments Away from Gaining
Access to EVERYTHING You Need When You Join the HarMoney Academy
This is for frustrated...
*spouses who want to balance harmony and money, discover roadblocks, deepen and enrich their marriage from good to great
*spouses who are tired of money fights & would like to gain a new perspective on prosperity in marriage
*spouses who are in distress and want to repair mistakes
*spouses who are total beginners no savings, no investments, no expertise, no products
*spouses who want to grow their money fast & sure using a simpler and no brainer Cash Flow System Leveraging the Internet
* want peace of mind and eliminate money stress and conflicts
* are an advocate of self education
* yearn to improve your financial quotient on money stewardship & management
* want to learn and be guided on how to kickstart stocks investing
* love to achieve harmony by understanding your opposing money dynamics
* want to create multiple income streams in your relationship
* dream to learn how to fill your wallet in a most ethical & doable way
* aspire to live the lifestyle you want
Then this masterclass is for you!
As A Couple You Need Three Tools To Build Your Strong, Lucrative And Prosperous-Friendly Marriage Fast.
Your HarMoney BLUEPRINT is Like Cooking
Just follow a Proven Recipe And Enjoy The Result
If you want to cook a nicer meal, all you need to do is to follow a time proven process.
Instead of trial and error to mix your own food (and hope it will taste good), do this:
How To Cook A Meal:
Pick A Recipe
Spice It Up
Enjoy The Meal
It is the same with balancing Harmony and Money in a couple relationship
Create our Younique HarMoney Blueprint that you can easily follow through
HarMoney Detox -->>
Look for your PESO DNA then
MIX & MATCH
HarMoney Peso DNA -->>
Use a NO Brainer HarMoney Cashflow System leveraging the internet
HarMoney CASH FLOW SYSTEM
Here's Everything You Need To Get That Transformation You Dreamt Of
THE BASICS - HarMoney DETOX
Discover The 5 Simple Steps That Will Help You Start to Create
Your Younique Harmony & Money Blueprint
The H.E.A.L.T.H.Y. AROMA
(Art of Marriage)-
How the 7 Pillars in Marriage
Will Lead You To Harmony and Prosperity
PHASE 2: THE HARMONY
Discover Your Individual PESO DNA and How To Create &
Interpret The Mixed and Matched PESO DNA
How To Talk It Out, Deepen & Enrich Your HarMoney Relationship That
Totally Crushes Any Conflicts, Stress and Arguments
PHASE 3: INCOME GENERATION 10x
How To Ease Debts By Using A Done For You
HarMoney Debt Payment System
The Couple's Guide To Understanding Money Vehicles For
Short and Long Term Prosperous Cash Flow System
The Non-Techie Newbie Guide To Start Stocks Investing
How To Become a Couple in Business by Scaling Up Your Income
In Less Than 4 Months Using The Internet
Even If You Don’t Even Have Your Own Product
VALUE Php 49,997
++++ 4 Follow-up Coaching Sessions
(Value Php 39,997)
+++ Full Access of:
Step-by-Step Debt Payment Blueprint (Value Php9,997)
Step-by-Step Stocks Investing Start-up Blueprint
(Value Php 9,997)
Step-by-Step Biz Start-up Blueprint
(Value Php 9,997)
Lifetime Membership of
HMC Facebook Private Mastermind Group
One Full Year Access of Monthly
Recorded Video of Empowered Version of You
(Value Php 13,997)
Recorded Video on Vision Boarding
Get the Marriage Assessment Package
🅿𝐘𝐎𝐔𝐑 𝐌𝐎𝐍𝐄𝐘 𝐌𝐄𝐓𝐇𝐎𝐃𝐒
Kick financial friction to the curb and ensure you realize your shared dreams together.
Unpack your unique personality dynamics not only as individuals but more importantly as a couple.
🤷♂️🤷♀️𝐘𝐎𝐔𝐑 𝐅𝐈𝐆𝐇𝐓 𝐓𝐘𝐏𝐄𝐒
Discover your “hot topics” and the secret of leveraging conflict for a stronger relationship.
📢𝐘𝐎𝐔𝐑 𝐓𝐀𝐋𝐊 𝐒𝐓𝐘𝐋𝐄𝐒
Crack the code for deep and meaningful conversations to enjoy heartfelt and lasting connections.
💑𝐘𝐎𝐔𝐑 𝐋𝐎𝐕𝐄 𝐋𝐈𝐅𝐄
Cultivate deeper intimacy and enduring passion for a lifetime of pleasure and fulfillment.
🔑𝐘𝐎𝐔𝐑 𝐃𝐄𝐄𝐏𝐄𝐒𝐓 𝐋𝐎𝐍𝐆𝐈𝐍𝐆
Create your ultimate soul-to-soul connection and discover how to infuse your relationship with meaning.
𝗕𝗲 𝗮𝗺𝗮𝘇𝗲𝗱 𝗼𝗻 𝗵𝗼𝘄 𝗮𝗿𝗲 𝘆𝗼𝘂𝗿 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁/𝘀𝗶𝗺𝗶𝗹𝗮𝗿 𝗿𝗲𝘀𝘂𝗹𝘁𝘀 𝗺𝗲𝘀𝗵!
First to Get Invited to a limited slot
Annual Marriage Empowerment Retreat in a Top Hotel or Resort in the Country
Your Spouse Will Receive His/Her Own Unique Account
PROMO CODE: HMCPromo
Registration Ends In
It's Now Time To Stop Arguing About Money
And Create More Wealth Together!
This masterclass is about the challenge of every couples every time they experience money fights
and how to overcome them, instead create a harmonious relationship, and start to create
wealth together. Actually the fights is not about money but something deeper than money.
This masterclass is going to dive deeper into how to start creating a unique blueprint in marriage
from scratch without fights and at the same time, any couple can create wealth together
make money and achieve the lifestyle they want to live together.
What My Students Say
So happy and #feelingblessed for being able to graduate in your Harmony and Money Masterclass ate Jet!
It was a wonderful experience and we were able to learn a lot of things esp when it came to money matters. Fun and exciting permi ang klase and dili jud ka maka.feel og duka, ing ana xa ka exciting!
Swerte kaau mi, ang mga naka.avail sa imong klase (YEAY!!!). I know some people na magspend og time and money and still wala gihapon silay nakuha kai kulang2 ra ang inputs. But in your class? Hands down! Naa pay one on one coaching nga coming!!! Excited nko
Thank you for being my mentor ate jet! And for always encouraging me and giving me new ideas on how to grow my finances. Indeed, I am blessed for having you as my mentor. More masterclasses to come and have a blessed life! As you would always say " if you fail to plan, you plan to fail". Thank you and more power!
A must for couples who are really serious in making their marriage stronger and finishing the journey together for better or for worse.
This program is a gift to us.
Franklin Vios, Speaker-Author
Dami learnings very vital sa buhay mag asawa. GOD bless you po mam jet!
MJ Tapia, Home-based Mompreneur