The Frugal Creditnista

Welcome to Cash Confidence!

Cash Confidence is all about taking charge of your money and making it work for you. Experience a training that reshapes your mindset and equips you with the clarity, control, and confidence you need to crush your financial goals.
Ready to take your cash to the next level?
Enroll Today!

Ready to Elevate Your Finances?

Let's face it – life's expensive. With prices soaring and paychecks barely keeping up, achieving financial success seems tougher than ever. But you're not just aiming to ‘get by’; you're looking to thrive and live that lifestyle you've always dreamed of.
The path to financial independence involves more than just managing expenses and saving diligently; it's about making every dollar work towards your grandest dreams and aspirations.
Despite your best efforts, those dreams can sometimes feel just out of reach, with your financial goals dancing just beyond your grasp. It's a shared challenge—balancing big ambitions with the reality of high costs and a bank balance that's always trying to catch up.
Here's the uplifting part: There's a better way to navigate your finances.

Welcome to Cash Confidence.

Cash Confidence is all about breaking free from financial worries and stepping into a life of financial freedom and peace of mind. It’s for anyone who’s ever thought. There’s got to be more to life than the constant repeat of working, spending, and worrying…

Whether life's surprises have you rethinking your financial plans or you’re simply ready to build a solid plan that will withstand the tests of time – this training is perfect for you.

Mindset and Money Mastery: The Perfect Match

Get ready to shift your mindset and discover strategies that go beyond just the basics of budgeting. You’ll learn how to align your money moves with what you really want out of life – ensuring every action brings you closer to living the life you truly desire.
We'll educate and equip you with the necessary tools to master your money in ways that make sense for you. You're not just going to learn how to keep an eye on what you spend or how to stash away some savings. It's about giving you the power and the plan to achieve a life filled with choices, opportunities, and the freedom to pursue your dreams without the burden of financial stress.

The Ultimate Goal: Clarity, Control, Confidence

We focus on three pivotal areas designed to transform your financial journey:



Gain a deep understanding of your current financial situation and learn how to set clear, actionable goals. We'll show you how to sift through the noise and focus on what truly matters for your financial well-being.



With clarity comes control. Learn the strategies and tools needed to take charge of your finances. From creating a budget that actually works for you to making informed financial decisions, we empower you with the knowledge to steer your finances confidently. Learn to craft a personal budget that aligns with your lifestyle and goals, without sacrificing the things you love.



Building on your newfound clarity and control, we'll help you develop the confidence to tackle any financial challenge that comes your way. With the knowledge, skills, and solid plan in hand, you’ll begin to trust in your ability to properly manage and grow your finances – achieving the ultimate financial peace of mind that you deserve.

Success Stories

Meet Your Instructor

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!

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.

Frequently Asked Questions

Cash Confidence goes beyond basic budgeting tips to offer a comprehensive approach to mastering your money. We focus on transforming your mindset, providing practical tools, and building confidence to shift your money from maintenance to mastery, aligning your finances with your life goals.
Absolutely! Whether you're new to budgeting or looking to refine your financial strategies, Cash Confidence is designed to meet you where you are. Our Training caters to a range of financial knowledge, from basic to intermediate to advanced, ensuring everyone can achieve financial clarity and control.
Our Training typically lasts for about 2 hours.
Learning starts right away! So, due to the digital nature and immediate delivery of course content, all sales are final. There are no refunds.
Netiva has SEVERAL free trainings inside of her ProsperityMakesSense.me community, as well as on her YouTube channel, TheFrugalCrediTnista.tv. Check her out there, we know you'll be impressed. A Training with The Frugal CrediTnista is an experience not to be missed! 🙂
Getting started is easy! Simply click the link below to enroll! Once you've signed up, you'll receive immediate access to the Training and instructions on how to make the most of your Cash Confidence journey.

We look forward to seeing you in the training!