In a world where we're not taught about credit, one woman takes it upon herself to write a book and educate others on the hidden strategies needed for massive credit success. In this episode, you will learn: 1. How credit can be used to leverage making more money
2. The importance of teaching kids about credit and budgeting early on
3. How to address bad credit and move forward
"Credit is not just three numbers, I'm going to borrow money, I'm going to do this. It's a snapshot in some ways, right? And then it's also the way for a bank to assess risk and trust with you."
Natalie Noisette is the author of "Converted: Uncovered the Hidden Strategies You Need to Achieve Massive Credit Score Success." She is 33 years old and retired from corporate at 20 years old. She now has her own business and offers products and services to other women to help them do the same.
This is Nathalie Noisette's story...
Nathalie Noisette is the author of Converted Uncovered, a book about credit. She was motivated to write it because she didn't know anything about credit for many years and learned the wrong things when she did start to learn about it. She wants to encourage people not to be scared of credit and to use it to their advantage. When starting the conversation about credit with children, she recommends starting as early as three years old and exposing them to the concept in a variety of ways. She also recommends that children be given allowance money and be rewarded for their efforts, rather than their chores..
In this episode, you will learn the following:
1. How credit can be used to leverage making more money
2. The importance of teaching kids about credit and budgeting early on
3. How to address bad credit and move forward
Resources:
https://www.facebook.com/iamnatnoisette/
https://www.instagram.com/iamnatnoise/
https://www.linkedin.com/in/nathalie-noisette/
Chapter Summaries:
[00:00:01] - Natalia didn't know anything about credit for many years. Natalie didn't feel bad about not having the engineer on the show. Today's topic will be about credit and how to build credit. It will be discussed on the hashtag Speak Easy podcast.
[00:01:46] - Natalie is the author of Converted Uncovered the Hidden Strategies You Need to Achieve Massive Credit score Success. She wrote the book as an old to help women and single mothers who are struggling with navigating the terrain of what is right, what is wrong, and how to correct it.
[00:03:39] - It's important to understand that credit awards you opportunities. People get mixed messages when it comes to credit. Even if you have cash, there's only so far cash can take you. A lot of wealthy people have loans in their names because of the tax advantages that they get from their businesses. Some children are easier to work with than others because parents are responsible for molding and shaping their young minds. Children need to be exposed to financial literacy books as early as 3 years old. They need to understand the concepts so that when they go into the world, they have real-world applications. As an African American woman, I had a hard time divesting my value as a person from what I had. I'm trying to start to reap the rewards. The next book is called Mental Money. It explains how to improve your credit score. Florida has just added it to its curriculum. Speakesasy wants to reach out to his listeners to get the book as a textbook reference to teach financial literacy in schools. This is what is the charge you have been given. If your kids are in school, this is what they need. If you have grandkids, nieces, or nephews that are going through it, what is needed. There is a part that we play as parents that we can do at home, but also, we need this as a core curriculum for the schools.
[00:18:21] - In this episode, some of you learn some important things about credit. This is the first time you delve into what that really means for you when it comes to credit. It may be something you have to go back and listen to a few times. This may be the person that you need to reach out to and connect with. There is going to have to be some changes.
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