The Frugal Creditnista

Crush Your Financial Goals with My Free Goal Setting Class!

Get the FREE Course You Need to Plan Your Best Year Yet!

Ever get all excited to write down your goals when the year starts BUT then you get super busy and never go back to see if you’re on pace to achieving them?

YES?! Listen, you’re not alone, it happens a lot.

But here’s what you should know: A goal is just an idea until you set up an action plan to make it a reality.

And my Crush Your Goals course is just what you need to put your goals-achieved action plan in motion.

Inside this FREE course, you’ll get the 411 on how to:

Set and Achieve Your
Take control of your life and turn your into reality.

With clear, step-by-step instructions and practical exercises, our goal setting book will help you turn your dreams into a plan of action and guide you towards success.

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.


Enroll with us today and let’s get you started on your journey to financial freedom