Netiva “The Frugal CrediTnista” Heard is a Wife, Mother, Financial Empowerment Speaker, Author, Coach, Educator, Credit Expert, Realtor, and ‘Real Life’ Budgeting Enthusiast!
As the founder of MNH Financial Services, LLC, it is her personal mission to Educate, Equip and Empower women and couples with the solutions they need to confidently & permanently Transform their finances.
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.
With an MBA in Finance, and certifications in the credit 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.
“Thank you for vising my site!!! I truly appreciate it :). Hopefully, you’ll find great content to get you on your way to Mastering Your Money, Destroying Your Debts & Soaring Your Credit Scores!
I am a strong believer of empowerment through education. In my blogs, events, workshops, 1-on-1 or group coaching programs, I am all about EEET – Educating, Equipping, Empowering & Transforming.
I’ve used this exact same strategy on my own finances, and in three it allowed my husband and I to soar our credit scores well over 150 points, purchase our home and 2 cars – free and clear, – implement a strategic investment plan, and to lay the foundation to building a secure financial future for our family – that feeling is priceless! And I want all of you to feel the same way. It is a journey; and we are no where near done (these darn student loans!!!). However, believe me when I tell you; the rewards of this journey is oh so sweet!
I can’t wait to share and hear all of your success stories (please comment and share in our Facebook Community) as we embark on this debt-free journey together!
Your Partner in Prosperity;
~ Netiva “The Frugal CrediTnista”
I have been waiting to share this for months! Got the keys to my brand new home! 5 years ago I lost my job and had a short sale. This was followed by the worst years of my live. Living above my means had finally caught up with me in more ways than one. Rebuilding was not easy and many times I wasn’t sure I would make it through. I was in financial ruin. Picking up the pieces meant learning to surround myself with people who ewer of substance. If I can do it, I promise you can too! Netiva Heard has been instrumental in my process. Offering advice and this group gave me so much support. Take it step by step, don’t overwhelm yourself. Stay faithful and don’t be too hard on yourself. What matters most in this journey is that you learn and pass on good habits to your children and families. I finally understand that being able to pay your bills on time and save for your future is where the real fun is at!
Netiva Heard thank you for this group. I know it may not seem like much to anybody else but TODAY IS THE FIRST TIME IN MY LIFE that my credit rating has ever stated"FAIR". . *I’m one of your DIY members. I started last year with a dirty 500. (At one point it dropped below that). But now I see a glimpse of hope. Thanks again for allowing us to soak up some knowledge. You could have kept all of this great information to yourself but because you are sharing MANY OF US are being blessed.
Praise Report: Netiva thank you I signed up for your Credit courses and one video literally changed me and my children Credit outlook. You talked about applying for financial assistance program if your healthcare facility was non-profit. I did gathered 25 pages of info and as of today I owe Wakemed Hospital $0! Not just me but my 4 children!
All the negative stuff on my credit has been falling off. Getting credit card offers in the mail