[00:00:06] Viktoriia Miracle: Hello. Hello and welcome back to happy time happy money podcast with Viktoriia Miracle and today we have Natalie Scott. Natalie is a money mindset coach from London. Her mission is to educate, elevate and empower millennials and gen Z on everything personal finance. She wants to encourage individuals to save, invest in tackle their limiting money and especially wants to affect change for a woman and make sure that they are financially prepared for what society throw at us daily. Hi, and welcome Natalie.

[00:00:46] Natalie Scott: Hi Viktoriia, how are you?

[00:00:48] Viktoriia Miracle: Amazing another sunny day in LA, but I would love to hear more about you, about how you started about your story. Tell us everything.

[00:01:00] Natalie Scott: Sure. So for me, I started off mentoring in schools, primary age, secondary colleges and universities. And I started talking about fashion because I've had a tenure in fashion. And shortly after that, I found out that these kids had a their view on money at how much people earn their career.

[00:01:20] So I started talking about finance and bringing passion and finance together. About a year later, completely dropped talking about fashion, to focus on finance, how important it was to young people to get a really good understanding of that belief system. What money is, it's not about how much you earn it's about how much money you actually.

[00:01:39] And people don't really think about that. When you think about salary, oh, it's a shiny big number. I want to earn X amount, but then they end up blowing it because they just haven't been taught the principles of what money is and our money is a resource. It's a tool you to actually use and make more money from.

[00:01:55] So, yeah, I've been on this journey for about three years. I've been a coach for about a year now. I'm literally just want to won an award for my work. So it's a really exciting time to be teaching one-to-one. School's going into schools and really affecting change with young people so that when they start earning and having money, there'll be in control of it and money won't be in control of that.

[00:02:19] Viktoriia Miracle: Beautiful. So what you do, could you describe for us, like what, what do you do for your clients and what is your workload?

[00:02:29] Natalie Scott: So when I work with a client one to one that will be either a four to eight week course where I work with their minds that, so why do they do have the behavior that they have with money?

[00:02:40] Why is their relationship quite negative? And I really go quite deep and most of it does stem from childhood. So I look at their childhood behaviors, what they saw growing up. How was money spoken about it? Was it a thing where, oh, you know, music to keep a roof over our head. Money's important. Money's the root of all evil money doesn't grow on trees.

[00:03:00] What kind of, kind of conversations did you have growing up in the household? And when you find out the conversations that were had in their childhood, because see it's a direct correlation to how they are as an adult. So my job is to work with clients and kinda banish those beliefs that they had, and it is a lot of work.

[00:03:17] Cause you know, you're not going to change overnight, but the fact that you do to work constantly, you work with affirmations, you do certain steps to get them to a point where they're able to peel back the layers and recreate their own money blueprint in their adulthood.

[00:03:32] Viktoriia Miracle: Awesome. And so how do you do, how do you change those beliefs?

[00:03:37] Natalie Scott: So what we do, we do a form of affirmations and forgiveness. So before you want to try and change anything, you have to have forgiveness because that's the only way you're going to go forward. So we do own a task, which is a picket newsletter. So usually this would either be written to your mommy or daddy, whoever was your main carer.

[00:03:56] And you literally write that all the things that you want to picket them for. If you had a father that told you that money didn't grow on trees, Oh, you know, we haven't got all of this and we haven't got that or money's only for rich people, obviously growing up, you realize the truth that, you know, money, isn't a root of all evil.

[00:04:12] It's what you actually do with it. And rich people aren't mean, or, or cruel. Well, not all of them anyway. So what you would do, you'd write a letter to whoever forgiving them from the belief that they had given you and it's a really good process of just letting go. And when you read it, you can literally let go.

[00:04:28] Another task I might do with a client is, the current beliefs of money, how do you all make money? And to write a journal about any interaction they may have with money, write it down. How did it make you feel that you had to spend 20 pounds on fuel today? How did it make you feel that you had a shopping list that was going to cost 30 pounds, but it actually costs 35.

[00:04:47] So it's really important to write down your feelings. And as we do the work, when you look back on how you was with money, you see there'll be a drastic change in how you are now, because money is something that goes around in circulation. So it goes out, it always comes back. So it's just remembering that the glass is always half full and not empty.

[00:05:08] Viktoriia Miracle: And you obviously wasn't there right away. So what, what would you say? Like what would challenges, what there, when you were getting into this mindset?

[00:05:20] Natalie Scott: I think for myself, one of the biggest challenges I had was realizing that there's enough money involved out there for everybody. I speak those unlimited results.

[00:05:29] I think if you're rich and I middle-class where I'm working class, I can never be at that level where you're at and that really did strike with me. So stifled me and certain things I wanted to do. So I had to write letters to myself. I journaled all the time about my life. Let me start journaling money and what the relationship I want to have the money.

[00:05:49] I want to write about that cause when you trick your mind and write in, in the future or past tense that it's already done and say, this is the relationship you want with money learn and behold, you start to believe it because I say the power powerful thing is when you write something down. So when you write what you want or what you can achieve is already said and done. So that's things that I started to do. Another challenge that I used to have was I would spend money before receiving it. So if I knew money was going to come into my account and the, oh, you're going to get paid on Friday and I spend that money knowing it's coming in.

[00:06:22] Which you should never do because Friday came and Friday went and the money wasn't there and then you ended up being dead. So these were little things that I did, I don't longer do. And now I can teach other people to be like, live within your means. So yeah, these little practices is what I've had to do to keep myself going.

[00:06:40] And I mean, it's been a great journey for myself, so I'm happy to teach that to other people.

[00:06:46] Viktoriia Miracle: That is a great advice. Don't spend money if you don't have them, but when the world of electronic money, well, see those numbers and you know, this feeling of not really having cash in hand. I remember, I mean, I was younger. There was no such a thing as a banking online on the phones and it was so much more easier, I think, to manage them because it just was all enhance. And you knew you have them, or you don't have them. It's the same like you were saying, don't spend them if you don't have them, even though they're, you know, they're coming in, but you don't have them yet.

[00:07:18] I love it. Thank you so much for sharing your knowledge and if our audience want to find you where's your best platform and how they can get in touch with you?

[00:07:30] Natalie Scott: Sure. So the best platform is to find me Instagram I'm there daily add me and that will be in the show notes for you to check out and also my website, where you can sign up to a free weekly money newsletter.

[00:07:43] Viktoriia Miracle: Awesome, and us always just scroll down. If you're watching or listening and description, there's going to be a link that will take you to our episode page and a well, every links are located all contact information, and you can send us messages to ask any questions or feedback. Always welcome. Thank you so much for coming over, Natalie.

[00:08:08] Natalie Scott: And thank you for having me

[00:08:10] Viktoriia Miracle: and thank you everybody for watching or listening. And don't forget to leave a review, subscribe and rate us. If you find that helpful and share with your friends as well, let's spread the word, the word, let's spread the message to the people. Thank you so much and I'll see you in the next episode. Bye.