Do you want MORE money, love, success (or you-name-it)… in your life?

Become an Abundance Magnet (Practically) Overnight!

It’s time to say goodbye to comparing & despairing and hello to gaining control of the energy surrounding your money so that you can begin allowing money to flow into your life!

It’s so easy to look around and feel like everybody is bringing in MORE, doing MORE and experiencing MORE.

It’s also easy to feel like you need to catch up and keep up. It’s easy to feel like no matter how much good you have in your life (and you do have a LOT of good, just saying), isn’t never truly enough.

Now, I have some good news for you:


You Can Expand Your Capacity to Experience & Receive Abundance–Right Now!

If you’re looking to:
Grab Yours & Start Envisioning Your Dream Life Today!
You’ll Learn How To:

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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