The Frugal Creditnista

Terms of Use


We take the utmost time and consideration to ensure the information contained on this website is both factual and accurate to the best of our knowledge.

Please note that the information found on this website should not be construed as legal advice; that can only come from an attorney. We assume no responsibility for the use and outcome of any information found on this site, our classes, our books, or our downloads.

Without working and reviewing your financials information personally, the information contained in the aforementioned areas should not be taken as professional advice.

We do believe with every ounce of our being that Financial Literacy is Power! Therefore, please consider our website as one of your sources for valuable information. 

To add, the Federal Trade Commission has a wealth of information for consumers; links to the FTC website can be found under Tools & Resources to help you with credit, fraud, deception, and unfair business practices while working with your creditors.


This site may contain affiliate links, which means that we may receive receive compensation from some of the companies that recommend/refer as a ‘thank you’ for sending them your way. We will NEVER recommend a product or service solely for the reason of receiving compensation. We only recommend products that we believe would benefit our clients, students, and community.  Our opinions and views on these products and services are OURS, and the products/services have been thoroughly vetted by the CEO to ensure that we continue to provide you with the most honest and valuable information. Rates and offers from said companies can change without notice. 

This blog is a personal blog, written and edited by key members of The Frugal CrediTnista Prosperity Team.  We do not accept any form of advertising, sponsorship, or paid insertions. The compenstion received will never influence any content made on this site.  However, we may be influenced by our own beliefs, experiences, background, occupation, religion, and political affiliation. The views expressed on this site are the company’s own; any personal experiences we have had with any of our recommendations should be fact-checked with the provider of the service/product recommended. This blog does not contain any content that migh present a conflict of interest.

By using this site, you are agreeing to the terms of service and privacy policies.

Thank you so much for visiting my site! It is truly appreciatedJ.

~ Netiva “The Frugal CrediTnsita” Heard 

~ The Prosperity Team