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Money Mindset with Natalie Scott

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Welcome to this week’s episode of the phenomenal career podcast. This week, I have a good friend who I’m excited to introduce to you all. Welcome, Natalie.

Hey Jaz, thanks for having me. 

Some of you might know that some of you might not but this is my second go at recording with Natalie, as we originally recorded maybe two to three, even years ago? So this is not the first time we’ve had a conversation about Natalie’s journey but let’s start today with what you do and what is your career?

I am a money mindset and savings Coach from London. I work predominantly with millennials and Gen Z’s to help them with their money mindset. So how they feel about money, how they think about it, and how they engage with it.

I love that. How did you even start this work?

We have to go back to my childhood because anytime I talk about money, I always talk about how it’s interlinked with childhood and the upbringing you had surrounding money. Growing up, money was always available because my dad was a great saver, but he was a hoarder as well.

I work in the fashion industry and seeing how people spent their money every month – not buying stocks or shares, but by buying clothes made me realise that a lot people are buying clothes with money they don’t have because they’re using buy now pay later schemes.

I decided to run a money mindset course and invest in myself and get a coach who could help me structure the course. At the time, I would go to schools, colleges and universities to talk about money, talk about finance and talk about fashion because it’s all interlinked. But with the growing interest surrounding money mindset, I stopped talking about fashion and was just talking about finance. I was fearful initially, but you need to be frightened to be challenged.  It’s about putting that first step forward.

 I like a challenge. If you’re in a place where you’re comfortable, you’re never going to grow. I’m in a privileged position where I’m still doing fashion because I love it, but finances is my calling. I don’t know what God has in store for me, but whatever it is, I’m there. 

What is a key lesson you would share with your followers?

Value your time. A lot of the time, you’ll get emails that will stay “Oh, we only need you for 20 minutes, or we only need you for 25 minutes, 30 minutes, but can you stay behind and listen to all the other panellists and take part in the Q&A?.” With situations like that, you need to make sure you’re charging for the whole thing and not just the initial 30 minutes.

You will find that you will have clients that will charge a lot of money to sit down with you for an hour of your time, one on one consultations, and then you’ve got some people that would love for you to do it for free.

I’m a firm believer of karma and doing good and it coming back to you. I know, by doing something for a community as a reduced cost would have a greater impact to me as it means more. But then next time around, I may charge, so it’s all about picking what you want to charge from what you don’t want to charge for. And that’s down to you.

It’s a question of value. So, what’s your career teaching you right now?

It’s teaching me a lot. I’ve been thinking about this question. I think what work is teaching me is that I need to take more of a chance on myself, because I hate leaving my opportunities, my progression in other people’s hands. I like to take control of my own destiny, as corny as that sounds, I really do. 

Work is teaching and reminding me of my purpose of why I’m doing what I’m doing in regards to the business. It is teaching me that Natalie – you could actually do this. It’s teaching me that I don’t have to rely on somebody else who doesn’t see my vision. 

I want people to know that you cannot rely on anyone else to get where you want to be, whether it’s pay rise, promotion opportunities, you have to go for that. I’m a confident person, don’t get it twisted, I’m very confident. But I can be very shy when it comes to people skills.

I’d love to invite you to share with the listeners – How can they connect with you, stay tuned to your journey and find out about working with you. 

I’m always on Instagram, that’s my favourite social platform to connect with or Natalie Scott Empowers. Catch me there and drop me a DM. I’ve got a website, which is NatalieScottEmpowers.com which is full of resources. I’ve got a little e-shop where you can level up your credit score, level up your child savings, and all that great stuff. I’ve also published a little mini savers guide on Amazon. So check that out, it helps you discover differences between ISAs. 

I offer one to one consultations just to help you level up in areas of saving strategies and investment. I also have a course called Money Mindset, if you feel like you’re struggling with your money mindset, you haven’t really dealt with the childhood trauma in regards to money, then this course is for you. 

If you sign up for the money mindset newsletter that I send out every week, you will receive a few news bits every Friday morning about money mindset and saving. So yeah, that is me.

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