The Frugal Creditnista

Annual Budget


If You’ve Created A Budget in the Past & It Didn’t Stick…

This is for You!

I have created more budgets that I didn’t stick to than I can think of. Year after year, I started off creating a monthly budget, only to become frustrated when it just didn’t work!

A bill I wasn’t expecting would pop up, I didn’t know how to save, get out of debt, and pay bills all at the same time!

Did I have a lack of income problem or a spending problem? 


Can you relate?

Well, my Prosperity Partners, let me be the first to tell you, “You are NOT alone!” 

Many have felt that budgets just don’t work because there always seems to be something that pops up, causing them to swipe their credit cards, dip into their savings, or have to apply for a high-interest-rate personal loan.

Well, I’m here to tell you ENOUGH!

Light Bulb Moment

I was sitting in my Dad’s accounting office watching him create Annual Budgets for companies and something clicked. If corporations mapped out their annual goals, income, and expenses, WHY am I sitting here doing a monthly plan?

I should be creating Annual Goals & Budgets too!


After I started to do annual budgets, I was able to identify :

Mapping out my annual budget helped me to avoid many frustrations, decreased the continuous swiping of my credit cards, and dips into my savings account.

It also helped me to realize what habits I needed to change and that I needed to make a heck of a lot more money in order to live the lifestyle I desired.

This was motivating as heck!

I was able to set SMART goals, create vision boards, and actually ‘see’ how I could uplevel my money, my credit, AND my lifestyle!

And I want YOU to experience the same thing, I mean… We are Prosperity Partners right (Yep! Even if you’re brand spanking new, I’m claiming you as a new member of my community 🙂)?

So, smack that button below and grab your FREE Annual Budget Worksheet!**


Meet The Frugal CrediTnista...

Netiva “The Frugal CrediTnista” Heard is a Wife, Mother, Financial Empowerment Speaker, Author, Educator, Credit Counselor, Realtor, and ‘Real Life’ Budgeting Enthusiast!

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!

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.


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