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Money Journey: Niki Matyjasik

May 11, 2022 | Episodes, Money Journey | 0 comments

This episode of The Money Compass podcast was published on 11th May 2022. You can listen again by heading to our Episodes page, or on your favourite podcast player.

In this Money Journey episode, Julie is joined by seasoned master minder and business coach, Niki Matyjasik.

A little bit about Niki

Wondering how you’re going to consistently achieve the growth you’re planning for in 2022? Do you know you need accountability and a sounding board to get the right solutions for your business?

Niki is a seasoned master minder, the Queen of accountability and the master of getting a plan made and put into action. Niki works with her clients through high level master minding, 1:1, group strategy days as well as group training programmes. She also started up and runs a network group.

She helps her clients to create a plan, provides a proven framework for them to create month-on-month success and gives them the accountability they need to maintain and smash their goals.

She has used the strategies that she works with her clients on to go from being in debt to consistently turning over 5 figure months. She well and truly speaks from experience when she says that she knows what it takes to run a successful business.

What is your earliest Money Memory?

I remember when I was, I think 14 maybe, there’s bound to be a memory earlier than that, but I remember being a waitress and a cleaner in a pub. I used to work on a Friday night, Saturday night and I used to clean on a Saturday morning and a Sunday morning, and I remember feeling so rich.

At the age of 14 because I was doing these two jobs, my parents were like, we’re not paying you pocket money or if there was it wasn’t much. So yeah, I always remember saying ‘right well, I’m just going to go and find myself a part time job’ then and you still obviously get paid an hourly and get tips. I just remember going to Next like every weekend buying a new item of clothing. So yeah, that’s probably a good early memory, I felt rich at 14.

Nikki’s Top Tip

  • Niki is an amazing business mentor and the master of getting a plan made and put into action. Niki works with her clients through high level master minding, 1:1, group strategy days as well as group training programmes. She also started up and runs a network group.
  • She helps her clients to create a plan, provides a proven framework for them to create month-on-month success and gives them the accountability they need to maintain and smash their goals.
  • She has used the strategies that she works with her clients on to go from being in debt to consistently turning over 5 figure months. She well and truly speaks from experience when she says that she knows what it takes to run a successful business. She speaks about her money journey and how it’s been very up and down, speaks on all her struggles, the obstacles on the way and how she made it out the other side.

Nikki’s Money Journey

Julie Hunt
Hi Nikki, thank you so much for joining us today on the Money Compass Podcast and talking about your money journey. So, the first question I’m going to ask you is, do you want to tell everybody what your earliest money memory is?

Niki Matyjasik
Oh gosh, thank you for asking me on the podcast by the way, it’s lovely to be here. I think that it goes way back before this, but I remember when I was, I think 14 maybe, there’s bound to be a memory earlier than that, but I remember being a waitress and a cleaner in a pub. I used to work on a Friday night, Saturday night and I used to clean on a Saturday morning and a Sunday morning, and I remember feeling so rich.

At the age of 14 because I was doing these two jobs, my parents were like, we’re not paying you pocket money or if there was it wasn’t much. So yeah, I always remember saying ‘right well, I’m just going to go and find myself a part time job’ then and you still obviously get paid an hourly and get tips. I just remember going to Next like every weekend buying a new item of clothing. So yeah, that’s probably a good early memory, I felt rich at 14.

Julie Hunt
That’s not a bad feeling to have. Were all your friends very jealous of your excess wealth?

Niki Matyjasik
Absolutely. Yes.

Julie Hunt
That’s absolutely fantastic. I love it. So, moving on from that, do you want to tell us about your money journey and the journey that you’ve taken from the age 14 up to where we are today?

Niki Matyjasik
Oh gosh, that feels like such a long time ago. I think as you were saying that at the age of 14 having that money to spend, of course we didn’t have like iPhones or air pods or anything like that then, so it was just clothes and shoes.

So yeah, my journey, I guess I’m a bit of a grafter, I’m a bit of a hard worker, I’ve had a job or run a business for as long as I can remember.

My money journey really started when I was 14, I left school when I was 15, so I was in employment of some sorts, by the time I was 16 years old really. When I still lived at home, with my parents I always found a way to earn money, to pay for my first car or to go out or to buy clothes or whatever, I’ve always found a way to make money. So, whether I had to have an office job or a part time job, waitressing or something then I did.

I then moved because I grew up in the sticks in a place in Somerset and I’ve moved to the bright lights of Bristol. I found myself a job but so that I could pay for my rent on my room and my foods and all of that and I got a part time job. I was working full time and I had a part time job as a waitress, soon got promoted to the person on the tills. That was quite handy, if anyone had a dodgy card, you used to get paid a 50 quid check for like saying about the dodgy card, which was great extra bit of money.

I kind of made my way up through the stages in terms of work because I worked for one of the retailers, one of the top supermarkets in the UK. So, I made my way up through the ranks, I became like an assistant and assistant buyer then I was a buyer. I was really fortunate and around the time that I was making my way through because actually I was supported really well by the team I worked in and stuff as well. When I was in buying, you could pretty much have your weekly shop because suppliers were sending samples all the time, so it was always, I think probably up until the time I got married, I always felt quite rich.

I think then just because I had money to put down as a deposit for house, I always bought cars out right and then I think life just happened. In the sense of getting married, buying a house, doing up a house, building an extension, my husband lost his job three times in three years. So, we went through all the redundancy and his redundancy money was then going really quickly because the job market was really poor. I then had a baby, well we had a baby, not just me, we had a baby and I think we just went through those hard times you know. Like, we’ve all experienced that real turbulent time of having kids, being made redundant and losing a job, I had to go back and work quite quickly after my daughter was born, I think she was only three months old.

So, we just had this real up and down time, we got ourselves into debt, we lost our baby son there was so many things that life happened, and we found ourselves in credit card debt. I decided at a really key point that I was going to build and grow my business and that was seven or eight years ago. So, I just put my head down really worked on my business and it took a good three years to recover out of that debt and then continue to just keep on track with everything since then.

I’ve had quite a rich time, then quite a poor time, bit rich now when they’re putting the prices up on everything, so I’m not too sure now. But it has gone in a real up, down and the down was really tough. I can explain to you life really did happen, everything was thrown at us.

Julie Hunt
It was definitely a moment where responsibility suddenly became real.

Niki Matyjasik
Massive. It’s obviously a huge learning curve and pretty uncomfortable at a lot of stages. We still continue to keep everything around us, but just work really, really hard to come out the other side and get rid of the debt.

Julie Hunt
Do you think there was a moment where you were like, no, this can’t go on anymore? We have to come out the other side. Was there a defining moment or something that happened that made you go, right, that’s it, we’re drawing a line in the sand, I need to basically do this to get where I need to be?

Niki Matyjasik
Yeah, I think I always kind of felt that, but it all just felt really quite overwhelming it was like, oh, just paying the minimum payment on a card or just doing this or just doing that. But there came a point probably about year three in my business where I could really start to see the business had green momentum and really start to see a turning point and I was like, this just can’t carry on any longer, I’ve got to do something about this now.

That’s where I came up with a plan to really get my head down and start to work through what needed to happen in order to clear it really. But then of course, COVID hit so my husband couldn’t really work for 12 months because of his type of his business and then you start to go through a bit of a, not pattern, but there’s parts that then reappear in terms of not necessarily feeling as rich because then you’ve got COVID happening. So, yeah it definitely was a challenge. But that would be the turning point I would say around year three.

Julie Hunt
What made you change from working in retail to then going into coaching?

Niki Matyjasik
I don’t think I ever really liked retail.

Julie Hunt
What with all your free shopping I can’t believe that!

Niki Matyjasik
I think I finally just had to admit to myself it really wasn’t for me. I got into retail when I moved to Bristol, because it was a great admin job. But you soon got swept along with the way that people worked, and it was like, oh right, here’s the gap, we’re going to promote you. Oh right, here’s the gap, we’re going to promote you. So you kind of found yourself on a bit of a wave with it all.

My husband got made redundant and I was thinking, no way I wanted it to be me, not you and then I literally gave it a year and then I was like, I’m out it just was not the environment I want to be in. So, secretly I probably never really enjoyed it, but got lots of free samples.

Julie Hunt
Well this is it you just got some free samples and I think it is that defining moment, when you think I am jealous of the other person being made redundant. You realise that something’s really not right with your job.

Niki Matyjasik
When he got made redundant, I was like, Oh, great, that means if they’ve made you redundant, they’re going to make me redundant too. I was thinking, where should we go? Where should we travel to? Which I was planning in my head and then I realised oh, no that’s not good.

Julie Hunt
Oh, no, that’s brilliant. Thank you very much for sharing your money journey with us. Nikki, do you want to tell everyone whereabouts people can find you?

Niki Matyjasik
The best place to find me is on Instagram, my Instagram is @nikijmatyjasik so that’s Niki with just one k because it’s spelt in so many different ways.

I’m a business mentor, I specialise mainly in helping with accountability, getting a strategy and getting a plan in place, but also really helping businesses feel like they’re getting some consistency and getting some real achievements based on where what the plan is and where they want to be. So I’m very much a good sounding board, someone who holds your hand but not literally and I’m known for kicking them up the bum.

Julie Hunt
Which, let’s be honest, we all need that in our business every now and again don’t we.

Niki Matyjasik
Yes, quite frequently.

Julie Hunt
So Nikki, obviously it’s the Money Compass podcast, as you know, I love travel. Who doesn’t? Actually, there are some people that don’t but let’s pretend that there isn’t on this occasion. Where is your favourite destination?

Niki Matyjasik
Oh gosh. Well, given that I’ve just recently been to LA, probably LA. It was amazing. But for sure there’s parts of America that I’d definitely love to go back to. LA again and I’d definitely love to go to New York again, but for me absolute destination would be Tuscany in Italy. The food, drink, vineyards, villas, all of it. Love it.

Julie Hunt
Definitely, anything that involves food and drink then it’s definitely got my vote too.

Niki Matyjasik
Absolutely. Yeah, definitely there.

Julie Hunt
That’s brilliant. Well, thank you so much for joining us today and I look forward to catching up with you very soon.

Niki Matyjasik
Thank you, Julie. Thanks for having me.

Julie Hunt
Not a problem.