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The Frugal Creditnista

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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!
Yes, I’m Ready!

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.
Forget Surviving, I’m Ready to Thrive!

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.
I Need A Peaceful Financial Exhale - Sign Me Up!

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.
Empower Me to Money Mastery!

The Ultimate Goal: Clarity, Control, Confidence

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

01.

Clarity

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.

02.

Control

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.

03.

Confidence

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.
Give Me the 3 Cs!

Success Stories

Tasha's Story: From Overwhelmed to Overjoyed
"I was constantly stressed about money, feeling like I was always playing catch-up. Although that hasn’t gone completely away, I am better because I have a plan. Those few hours in the Cash Confidence training really gave me that: Confidence. I view my money completely differently. I respect it more. I am not where I want to be but I do see my progress and I’m proud of that!"
― Tasha ―
Simone's Breakthrough: Budgeting That Works
"Budgeting always felt like a chore, I hated it honestly, I would avoid it but knew I needed to do it because I kept getting overdrafts and being broke before my next check. Learning how to budget around the things I LOVE was a game-changer. I no longer feel like budgeting is restrictive. I can budget in the things I love without going broke. This was my aha moment during the training. I feel in control and confident about my finances."
― Simone ―
Karisha’s Victory: Achieving Financial Peace of Mind
"I never thought I could feel this calm about money. Cash Confidence taught me the importance of spending with my values in mind. I've eliminated unnecessary expenses and finally started contributing to my retirement fund. This alone is priceless! I’m 44 years old, minimal savings, just started investing, but I am so much further head than I was before that training. And that’s saying something!"
― Karisha ―
Jasmine's Transformation: From Debt to Financial Freedom
"Lack of direction was my big problem. I had some unrealistic ideas of what budgeting was. I was even hesitant about signing up for the training. I’m glad I did! I make enough money but I never really knew how to manage it. What was I supposed to do with it other than spend it? I am dreaming again! I lost that over the years. I’ve only taken care of my responsibilities, I never stopped to think “What do I want?” Now, I know exactly what I want. I am so excited, thank you Netiva for teaching me how to dream again and go after it! I’m so excited! I am actually in Portugal, looking up prices for apartments now. This is my dream location, it’s so beautiful and I am looking forward to making it happen!"
― Jasmine' ―
Naomi's Win: Embracing Financial Opportunities
"I always felt like I was missing out on financial opportunities. Cash Confidence opened my eyes to what's possible. I've set up an emergency fund, paid off some debts, my credit score increased, and I even started a side business. The sense of power I feel is incredible!"
― Naomi―
Latoya's Success: Building a Legacy
"The idea of buying a home and building a legacy for my children motivated me to join Cash Confidence. After some research, I’ve decided to purchase my first investment property, my kids and I will live on the top unit. I never would have researched how to do this if it had not been for this training. It feels great knowing I'm building a solid financial future for my family. I am so excited. I’m going to be a homeowner AND a real estate investor! "
― Latoya ―
I’m Ready for My Financial Transformation!

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.

I’m Ready to Be Cash Confident!

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!