I am Nefertiti Holas. I conferred my dual master's degree in Accounting and Business Management and have 12+ years of education and experience in the financial industry. This journey began with repairing my own credit report and adopting positive spending/saving habits to help improve my financial status. It extended to family/friends and I realized my niche....and my own company ChaNJe Money Matters LLC was born. Real Estate is another avenue I am able to help people reach their goals in their financial freedom.