For many people, managing money can feel like a constant struggle. But for Jendee De Guzman, a Registered Financial Planner, overcoming financial struggles became the foundation for her success. Through hard-earned lessons and a focus on financial education, De Guzman transformed her own financial challenges into a blueprint for success, not only for herself but for others as well.
As De Guzman shared with Financial Adviser PH, her financial journey began at a young age, shaped by the financial difficulties her family faced. “I watched my parents struggle with debt, and I thought it was normal. But as I got older, I realized that financial struggle could be overcome with proper planning and knowledge,” De Guzman recalled. It was this realization that inspired her to pursue financial education and ultimately become a Registered Financial Planner.
One of the key lessons De Guzman learned was the importance of financial planning. “Without a solid plan, it’s easy to get stuck in a cycle of debt. The first step is always to understand your financial situation—what you owe, what you earn, and what your financial goals are,” she explained. For De Guzman, this approach was transformative. By creating a clear, actionable plan, she was able to break free from the cycle of debt that had once held her back.
She also emphasizes the power of knowledge and education. “Financial literacy is the key to transforming financial struggles into success. When you understand your money, you can make informed decisions and avoid common pitfalls,” she said. De Guzman encourages individuals to take control of their finances by learning about budgeting, saving, investing, and managing debt. “The more you know, the better choices you can make,” she added.
De Guzman’s success story is a powerful reminder that financial struggles don’t have to define our future. By focusing on education and creating a plan, anyone can transform their financial life. “Success comes from taking small, consistent steps toward your goals,” De Guzman said. “Start with understanding where you are, then work toward where you want to be.” Through this approach, De Guzman has not only transformed her own financial future but is now helping others do the same.
