I am Janizbel Ferrera, a certified financial coach. I help you organize your money, get out of debt and build stability, working also on what sits behind your decisions.
There was a point when I earned around a thousand dollars and spent the thousand. Then I started earning two thousand and spent the two thousand. I felt I was doing things right because I worked more and generated more. But every time my income went up, my lifestyle went up with it.
That is where I understood what is now the base of my work: having good income does not mean having good finances. I certified as a financial coach because I did not want to be the person who read a few books and now gives advice, I wanted real training to walk with other people through that process.
You can keep increasing your income and build absolutely nothing.Read my full story →
You can give someone the best budget in the world, the best debt payoff strategy or the best spreadsheet. But if you do not work on what sits behind their decisions, they will repeat the same patterns. That is why I work on three fronts at once.
An honest diagnosis, a budget you can sustain and a debt plan with order and criteria. Numbers on the table, no guessing.
Why you buy when you buy. What that expense is really solving. Which beliefs about money you carry from home and no longer notice.
What holds the change together once motivation runs out. Short routines, expense tracking and decisions that stop costing you energy.
Depending on where you are and how much guidance you need. If you are not sure which one is yours, write to me and I will tell you where I would start.
Individual sessions to organize your money with a structure built for your life, not for anyone else's.
Talks and workshops for companies, teams and communities. Practical financial education, in human language.
A guided group process, with weekly structure and community. You organize your money without doing it alone.
My process with Jani has been much more than learning to organize my money. Today I feel I have a much healthier and more conscious relationship with my finances.
You do not only explain what to do and how to do it, you go further and make me analyze where certain habits and behaviors come from.
The tip you gave helped me a lot: if you want to stop using the card, you also have to remove it from Apple Pay, so it is not two clicks away.
Your educational video about the Monefy app changed my life. It has helped me enormously to get organized and build more financial education.
Budgeting, debt and habits, explained without jargon and with real life examples.
Individually they look insignificant. Together they are the reason you earn more and still never see the money. How to find them without becoming miserable.
Read article →Waiting to earn more before paying off debt is the most expensive trap there is. You get out with order, with criteria, and by closing the entry door.
Read article →Most budgets do not fail from lack of discipline. They fail because they were designed for a life that is not yours. Here is how to build one you can sustain.
Read article →Instead of your life revolving around money. If you are tired of feeling that you work a lot and build nothing, let us start by seeing where you actually are.
Leave me your details and I will write to you. No commitment: first we understand where you are and what to sort out first.
Individual guidance, all the time is yours.
For companies, teams and communities.
You move forward with structure and with others in the same place.