---
title: The Frugal Creditnista
description: "Netiva “The Frugal CrediTnista” Heard is a Wife, Mother, Financial Empowerment Speaker, Author, Educator, Credit Counselor, Realtor, and ‘Real Life’ Budgeting Enthusiast! As the founder of **The Frugal CrediTnista**, it is her personal mission to ***E**ducate, **E**quip and **E**mpower* women and couples across the…"
url: "https://community.womensmoneymatters.org/resources/the-frugal-creditnista/"
updated: "2023-08-29"
category: Podcasts and Finance Influencers
tags:
  - Banking
  - Budgeting
  - Credit
  - Credit Cards
  - Interesting Reads
  - Retirement
  - Saving
---

# 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!

As the founder of **The Frugal CrediTnista**, it is her personal mission to ***E**ducate, **E**quip and **E**mpower* women and couples across the globe with the solutions they need to confidently & permanently **T**ransform 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!

[Website ](https://thefrugalcreditnista.com/)

[Facebook](https://www.facebook.com/thefrugalcreditnista)

[Youtube](https://www.youtube.com/channel/UC52-DkzdMt-K04Pd-sAcgrA)