Welcome To Prosperity Makes $ense: The Prosperity Club!

Hi, I'm Netiva

The Frugal Creditnista

Prosperity Makes $ense was Created to Educate, Equip, & Empower You with the Tools & Strategies Needed to Transform Your Finances for Good!

Hey Hey Prosperity Partner! (That’s You by the way)

Welcome to Our Community; where we talk about Money, Credit & Everything In Between! Upon joining our Community, you’ll have a host of Freebies inside of our Free Prosperity Partner Resource, please see our freebies below!

Become A Prosperity Partner Today!

Prosperity Makes $ense is where we talk about Money, Credit, and Everything In Between!

With our Free Financial Resources, “Prosperity Partner Ask” Series, Affordable Classes, and Free Prosperity Training Calls, we know you’ll have the tools you’ll need to jumpstart your money, credit, home buying, and overall financial goals!


What Our Partners Are Saying

Our Partners are slaying their Credits

The Frugal Creditnista

About Netiva Heard

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 MNH Financial Services, LLC, 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!

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 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.