Netiva “The Frugal CrediTnista” Heard is a Wife, Mother, Financial Empowerment Speaker, Author, Educator, Credit Counselor, Realtor, and ‘Real Life’ Budgeting Enthusiast!
As the founder of The Frugal CrediTnista, it is her personal mission to Educate, Equip and Empower women and couples across the globe with the solutions they need to confidently & permanently Transform their finances. Because of her passion for helping her clients, students, and members to accomplish their financial goals, they have designated her as “The Goal Crusher’s Credit Coach”. And she loves it!
Having personally overcome being over a half-million dollars in debt & experiencing the shame of foreclosures, repossession, bankruptcy, tax liens, judgments, and practically every other poor credit rating there is; she can easily relate to those suffering from the stress and embarrassment that debt and poor credit can bring.
With an MBA in Finance and certifications in the real estate and financial industry; Netiva has utilized her education, work history, and personal experiences to incite others to transition their finances from being financially limited to financially limit-less.
“Thank you for visiting!!! I truly appreciate it :). Hopefully, you’ll find great content to get you on your way to Mastering Your Money, Destroying Your Debts & Soaring Your Credit Scores!
I am a strong believer in empowerment through education. In my blogs, events, workshops, 1-on-1, or group coaching programs, I am all about EEET – Educating, Equipping, Empowering & Transforming.
I’ve used this exact same strategy on my own finances, and in three years, it allowed my husband and me to soar our credit scores well over 150 points, purchase our home and 2 cars – free and clear, – implement a strategic investment plan, and to lay the foundation to building a secure financial future for our family – that feeling is priceless! And I want all of you to feel the same way. It is a journey, and we are nowhere near done (these darn student loans!!!). However, believe me when I tell you; the rewards of this journey are oh so sweet!
I can’t wait to share and hear all of your success stories as we embark on this debt-free journey together!”
Your Partner in Prosperity;
~ Netiva “The Frugal CrediTnista”