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Aussie women in the startup scene

Ahhhh the safety of a 9-5 job.

 

Ain’t nothing like it – right?

 

For some, the creative dreams of an entrepreneur spirit sit by the wayside while the regular paycheck rolls in.

 

But for a lot of people, including these badass Aussie women, bringing an idea to life and starting their own biz was a dream come true.

f6bkycd4ufc-rob-bye

The truth hurts

The harsh truth is that as of November 2016, only 14-24% of all Aussie startup founders were women and of that, only 4% of those startups were funded.

 

Why is that? Well, there’s a few reasons why women aren’t represented well enough in the startup space.

 

Thriving in a male-dominated industry with the perception of a ‘boys’ club’ investor circle is pretty scary.

 

Anna Reeves is the producer of That Startup Show and says that funding was the biggest obstacle she faced as a newbie. One way to combat that is to develop a support network and not to be afraid to ask for help if you need it.

 

Adopting a more straight-forward approach to your business can also help you navigate the waters. Things like learning how to be an effective negotiator, being clear about what you want and believing you really can have it all are other helpful mindsets for any founder new to the startup game (female or otherwise).

 

Sheryl Sandberg, Chief Operating Officer of Facebook acknowledges in her book Lean In that internal demons and the little voice that says ‘I can’t do this’ might go a little way into explaining why women are underrepresented in the startup scene.

 

Many would-be entrepreneurs have incredible ideas, but feel as though their lack of tech skills prevent them from furthering the idea…but you certainly don’t need to be an expert.’

 

Diversity is key

The good news is that organisations are realising the value women bring to the tech and startup world.

 

There are a number of businesses and influential people who are super motivated to change the face of the tech and startup industry.

 

Not just because Australia has a skill shortage in this area, but because a huge number of women have the skill set and qualities perfect for the startup culture.

 

And as Sandberg also says in her book, ‘diverse teams make better decisions’.

 

Need some inspiration a bit closer to home?

These women are killing it in the Aussie startup scene:

 

Lauren Trlin – founder of Buzzy Tasks

Leaving the corporate slog and cashing in on the sharing economy, Lauren’s biz Buzzy Tasks is online marketplace that helps you outsource your to-do  list. You can also complete other people’s tasks too. Super handy for parents who are doing it all!

 

Cyan Ta’eed – co-founder and executive director of Envato

JobAdvisor named Cyan’s business the ‘coolest company for women’ – no wonder, considering its co-founder is one of the most sought-after speakers in the tech and entrepreneurship scene. After launching the biz with her co-founder (and husband), the pair packed up and went travelling for 18 months while growing Envato from ‘anywhere that had wifi’.

 

Emma Lo Russo – founding director and CEO of Digivizer

Founded in 2010, Digivizer uses social media analytics to tell businesses what exactly their customers want. They’ve recently changed their brand to new product-focused, after landing global data and clients following the first round of investment in 2015.

 

Nicola Hazell – director of SheStarts and BlueChilli

Dedicating her work to bringing other people’s dreams to life, Nicola is passionate about engaging women in the startup scene. She believes it’s the perfect place for women to showcase their entrepreneurial side. SheStarts offers mentoring, funding and practical support for 10 female-led startups – with the process being documented in a web series.

 

Quick heads up: The above post contains links to a variety of application software (“App, Apps”) and websites that are not affiliated or associated with Nimble. We do not have any control or responsibility over the content of the Apps or websites. Use of the Apps or websites may be subject to further terms and conditions imposed by the publisher, the owner of the mobile operating system and/or other related parties.   Nimble does not endorse and is not affiliated or associated in any way whatsoever to the businesses named in this blog post. The information in this blog post is general information only and does not take into account your objectives, financial situation or needs.

 

The information contained in this blog is correct at the date of publication.

5 Aussie startups to watch out for in 2017

The Australian startup scene is thriving.

 

While some reports last year (looking at you, Market Watch) said that the startup ‘unicorns’ are fast becoming extinct, the reality is that the age of the startup has only just begun.

 

(Side note: a ‘unicorn’ is an American name given to a start-up company that’s valued at over $1 billion. Canadian tech unicorns are known as narwhals. A decacorn is a word used for those companies over $10 billion, while hectocorn is the appropriate term for such a company valued over $100 billion. How’s that for some lingo!?)

 

We’ve compiled a brief list of just 5 awesome Aussie entrepreneurs and startups to look out for in 2017 (there’s simply too many to name them all).

 

Indigital’s app ‘Indigital Storytelling’ uses drones, 4D mapping software, image recognition and cultural law to bring our (and international) indigenous people’s stories and culture sites to life. They also work to bring other entrepreneurs’ and companies’ visions into app form using their pretty intense tech. Founder Mikaela Jade has demonstrated it to the likes of the Prime Minister and has been on a number panels championing the efforts of Aussie women in startups.

 

Sydney’s Eora 3D have garnered a huge following and – according to one of their co founders, Richard Boers – have had a suprising level of interest from bigger companies. And it’s no wonder, with their super smart tech syncing up with your smartphone for 3D printing capabilities.

 

Making the Disrupt 100 list in 2016, Adelaide’s Humanihut is the only one of its kind that provides an all-in-one, out-of-the-box emergency shelter system. It provides emergency accommodation, toilet and shower facilities, as well as integrating with fresh water, sewerage disposal and power services. With a focus on assisting the world’s refugees and saving international aid agencies millions of dollars, the innovative Humanihut is a cost effective solution.

 

An e-learning management system founded by four dudes, GO1 enables people to quickly and efficiently train staff (and customers) online. This startup had more than $1 million invested into it by Shark Tank judge Steve Baxter and Tank Stream Ventures and is working with the likes of Oxford University to advance market research across Australia and the UK.

 

I know what you’re thinking – surely not another social media channel? Just hear us out. This social network comes with a massive difference: it has been designed to promote and reinforce positive interaction in communities. By ‘applauding’ good work and talent, the team behind Clapit wanted the content to be shaped by the audience. As well as celebrating emerging talent like artists and sports people, the founders of Clapit want to prevent rants and keyboard warriors by only allowing ‘reaction selfies’ not written comments.

 

Tech trends

  • In tech trends you should be looking out for in 2017, fintech is leading the charge. Chief Executive of FinTech Australia said that more and more fintech startups launching this year will give Australians more choice in their financial products and management, and bring even more competition to traditional banks.
  • Augmented and virtual reality (AR) could become the actual reality for many Aussie businesses. According to Business Insider, companies should start experimenting with innovative AR design and development to better engage with their customers.
  • According to Deloitte, a business’ Internet of Things (sounds like an amazing movie title but it’s actually: the interconnection via the Internet of computing devices embedded in everyday objects, enabling them to send and receive data) will continue to move towards a bolder approach to managing data, orchestrating events and extending IT systems and processes beyond traditional limits.

 

So there you have it. Lots of Aussie feel-good startups making the world a better place and fintech, un-reality and things on the internet trending in tech for 2017.

 

#startup

#startup

 

 

Quick heads up: The above links belong to a variety of websites and not Nimble, so clicking on, and using them, will take you away from Nimble’s website meaning we’ve got no control or responsibility over the content. Nimble does not endorse and is not affiliated or associated in any way whatsoever to the businesses named in this blog post.

The above post contains links to a variety of application software (“App, Apps”) that is not affiliated or associated with Nimble. We do not have any control or responsibility over the content of the Apps. Use of the Apps may be subject to further terms and conditions imposed by the App provider, the owner of the mobile operating system and/or other related parties.   

The information in this blog post is general information only and does not take into account your objectives, financial situation or needs.

The information contained in this blog is correct at the date of publication.

 

Are we a slave to the smartphone?

Lots of us have seen this video of Simon Sinek outlining why millennials / Gen Y are addicted to their smartphones.

 

The story is in our Facebook feeds, on the news sites and being discussed with our peers and it’s super relevant to our post today:

 

The internet reaches almost 3.5 billion users.

 

So it’s no wonder that tech and everything that goes with it is taking over our lives and the way we spend our time.

 

Almost 4 hours of our day is spent looking at our smartphone (that doesn’t even count taking and making phone calls)!

 

With about 90% of that time spent within apps – online banking, socialising, dating, business, fitness tracking – it’s easy to see why a lot of people these days simply can’t go a day without their iPhone.

 

Gone are the days of waiting in a taxi rank for a yellow cab to pull up after a night on the town. Now, we only have to log into our Uber account and set a pickup location.

 

If we’re waiting for our pizza to cook, there’s no more dawdling (or dare we say – cleaning up the mess we’ve made), it’s a quick scroll on Instagram or Facebook to pass the time.

 

I was walking to Pilates the other day (how very Gen Y of me) and noticed an elderly woman sitting on a park bench. Not doing anything in particular but just sitting, enjoying the shade and occasionally watching a bird flutter from flower to flower.

 

On another bench, a young guy was doing much the same but instead of watching the world around him he was bent-necked, looking at his phone.

 

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Apps on our smartphones are changing the way we act in public places:

  • Conveniently already built into your iOS, Find My Friends shows you where groups of family or friends are in a particular town by syncing with your Apple ID. You just need to stroll down a street and put on the Find Friends alert to see where your buddies are located.

 

  • Dating apps mean that we can choose our dates simply by their proximity to us (or by the comfort of your own couch). Yep, we’re not gonna go into detail about those because guaranteed you’re already well aware!

 

  • We’re continually revealing more about ourselves through social media posts – can you imagine someone just coming up to tell you what they ate for lunch in exquisite detail including a photo? It’s crazy to think that that’s a thing now.

 

How we get our information:

  • The way we digest news has completely changed. Before checking news sites we’ll often notice breaking stories via Facebook or Twitter – after all, if the people we’re connected with are following a news story, chances are we’ll be interested in it too. Even the news sites we’re visiting have changed from traditional news channels to the likes of the Huffpost app.

 

  • The world is generally a smaller place now – in that we can connect with people across the globe with a few buttons. Not to mention we’re seeing more from celebrities than ever: we celebrate Christmas with them in real time, experience their fears, sold their favourite products, envy their lifestyles.

 

Changing how we look at politics:

  • We’re just going to touch quickly on the whole Trump v Clinton debacle… but the engagement from the whole world – down to celebrities, business people and everyday mums and dads was astounding. 

 

The way we do business:

  • It’s so much easier to start a business with the use of social media. You can connect to people instantly who are more likely to engage with your brand. Nowadays, you can give your business a personality with a themed feed in Instagram, witty commentary and ads targeting your ideal audience.

 

  • Let’s not forget social media brand ‘ambassadors’, that is – accounts with a large following using your merchandise in ‘sponsored’ posts. Most of the time it’s at a fraction of price of traditional advertising – with much better results (Kylie Jenner, anyone?)

 

  • You can build your database and keep in touch with your customers with a platform like MailChimp.

 

  • You could also be using a startup venture like Collabosaurus  to connect you with like-minded professionals to share your expertise.

 

  • Apps like Gusto can help with payroll and Quickbooks for those pesky accounting needs.

 

  • Traveling for work? Tripit consolidates all your trip information to one place and gives you handy reminders when you have a flight coming up.

 

And after all that app using, manage your time with an app like RescueTime or OmniFocus – set goals and prioritise your work to get sh*t done.

 

 

Quick heads up: The above links belong to a variety of websites and not Nimble, so clicking on, and using them, will take you away from Nimble’s website meaning we’ve got no control or responsibility over the content. Nimble does not endorse and is not affiliated or associated in any way whatsoever to the businesses named in this blog post.

“iPhone” and “iOS”  are trademarks of Apple Inc., registered in the U.S. and other countries.

The above post contains links to a variety of application software (“App, Apps”) that is not affiliated or associated with Nimble. We do not have any control or responsibility over the content of the Apps. Use of the Apps may be subject to further terms and conditions imposed by the App provider, the owner of the mobile operating system and/or other related parties.   

The information in this blog post is general information only and does not take into account your objectives, financial situation or needs.

The information contained in this blog is correct at the date of publication.

Tech that totally saves time for parents

Raising a tiny human is tough. It’s also pretty time-consuming, what with the feeding and the crying and the holding and the extra housework. Who knew piles of dirty washing could grow that fast?

Since we’re all about using tech to save time, we wondered just how much time parents of the world could be saving if they swapped out the elbow grease for technology.

Here’s what we found

You could save time with grocery shopping

Our survey found that people who shopped online spent 20% less time doing their groceries than people who shopped in-store.

Spotlight on: Our Groceries Shopping List – Free, iOS & Android

our-groceries

Shopping entirely online isn’t the only way you can save time. Using tech to manage your shopping lists can save time, effort and cash. Dream come true? We think so. Create lists shared across all nominated devices, manage multiple shopping lists, cross items off with a tap, add photos of your fave brand of tomato paste, and browse meal ideas so you won’t spend all day staring at the options in the pasta aisle. Bonus: freak the kids out by having a list called “Tonight’s dinner” and put nothing but Brussels sprouts on there.

Other handy apps:

  • GrocerEaze – Free, iOS (building meal plans isn’t just for bodybuilders)
  • Woolworths – Free, iOS & Android (scanning your fave pantry items straight into your list? Heck yes)
  • Coles – Free, iOS & Android (shop on the app, get it delivered to your door. You don’t even get off the couch)
  • Aldi – Free, iOS & Android (because there’s nothing better than knowing where your nearest Aldi is at all times… and those Gummi Bears!)

 

You could save time on cooking

Pick your favourite meal to eat – how long do you spend preparing that? Now imagine you could eat that meal without any of the prep time. Order a meal or two via an app, and you could spend less time in the kitchen and more time with your family.

Spotlight on: Foodora – Free, iOS & Android

foodora

Sure, everyone loves pizza. Now you can get pizza… plus literally any other food your hangry heart desires. All you have to do is sign up, pick your restaurant, place your order, then kick back and relax while you wait for it to arrive. LOL just kidding – you probably have a million things to do with and for you kids in the meantime. Go get them done, then enjoy a delicious meal (that you didn’t have to cook).

Other handy apps:

  • HelloFresh – Free, iOS & Android (more like hello family boxes full of fresh ingredients perfect for your pre-selected meals delivered straight to your door). We’ve personally used this and think it’s pretty darn great!

 

You could save time on household chores

We found that people who used apps to outsource household chores spend 98.5% less time actually doing the housework than people who do it all themselves. Sounds obvious, right? Well, you don’t have to outsource every single job to see the time come pouring back into your calendar.

Pick your least-favourite job (hands up if you hate mowing the lawn) and get a professional to come in and handle it. There’s an hour back in your weekend to watch Sally* play soccer or take Billy* to the park.

* Generic childrens’ names coming atcha.

Spotlight on: AirTasker – Free, iOS & Android

airtasker

Outsource like a pro with AirTasker. This app is a fast, easy gateway to a massive community of people who are offering jobs and services. Check out reviews of prospective workers and assign based on the offer you like best. The best part? Services are covered by insurance.

Other handy apps:

  • TradeEzi – Free, iOS & Android (because having a business directory for tradies at your fingertips is never a bad idea)

 

You could save time managing your finances

Who doesn’t love waiting in bank lines? Oh right – everyone. If you’re like us, you’re pretty keen on the idea of spending 20 minutes or less a week on your budgeting and banking.

Spotlight on: You Need A Budget – Free, iOS & Android

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Seriously, though. You probably do need a budget, unless you’ve resigned yourself to the fact that you’ll be building a house from old avocado skins. YNAB can track your spending, down to the last dollar… as terrifying as that may be. This one can take a bit of time to set up initially, and there is an annual fee to use the software once you’re past your free trial, but it’s well worth it once you have it all up and running.

Other handy apps:

  • Pocketbook – Free, iOS & Android (staying on top of your bills is depressing but apparently also pretty important)
  • Nimble (naturally – how else are you getting fast loans?)

 

You could save time…browsing Facebook?

Well, yeah, apparently. If scrolling through your newsfeed and posting pics of Sally kicking her first goal is eating up your day, use an app to help you kick the addiction. If the irony of using tech to escape tech isn’t too much for you to handle, you’ll probably be able to get back at least an hour or two each day.

Spotlight on: BreakFree – Free, iOS & Android

breakfree

If you’re all about that #productivity life right now, you’ll love BreakFree. It monitors phone usage and will let you know if you’re spending way too much time scrolling through your ex’s Facebook profile.

Other handy apps:

  • Forest – Free, iOS & Android (beating addiction is much more pleasant when you get to plant some pretend trees)
  • OFFTIME – Free, iOS & Android (data is life, even when the data is telling you that you have no life)

 

Raising the next gen of innovators and world-changers is a pretty cool job. And with all the sweet apps and tech now available, you can have even more time to watch them grow up.

 

Quick heads up: The above links belong to a variety of websites and not Nimble, so clicking on, and using them, will take you away from Nimble’s website meaning we’ve got no control or responsibility over the content. Nimble does not endorse and is not affiliated or associated in any way whatsoever to the businesses named in this blog post.

The information in this blog post is general information only and does not take into account your objectives, financial situation or needs.

The information contained in this blog is correct at the date of publication.

 

 

Time to tech up your travel plans?

The world isn’t going to see itself, right? If you’re ready to hop the next plane to, like, literally anywhere, you’re probably not too keen on spending hours on the details. Think searching for deals, researching destinations, finding accommodation in a part of town where you won’t get knifed and/or robbed – you know, all the stuff that kinda needs to be done before take-off.

Then, of course, there’s all the day-to-day necessities while you’re away from home. Money, language, local customs – every place is different, and nobody got time to thumb through a language handbook with a judgey waiter looking down their nose at them.

Enter: technology. From finding a bed while you’re on the go to lightning-fast translations, there’s an app to make almost every travel task faster and easier. 

Here are our faves:

Save time on getting local cash

Spotlight on: Currency App – Free, iOS & Android

currency

Forget flicking through your guidebook to make sure you’re not being ripped off – this streamlined app gives you the conversion rate you need in an instant. Calculating over 100 world currencies with the option of 17 different languages, Currency will have you haggling confidently in no time. Take that, Patpong Night Markets!

 

More nifty tech:

  • XE Currency – Free, iOS & Android (complete with historical charts, woo!)
  • Global ATM Locator (for street vendors who’ll only take cash)
  • Nimble (because sometimes you just have to treat yo’ self to that extra night)

 

Save time on pretending to speak the language

Spotlight on: Google Translate – Free, iOS & Android

google-translate

 

Avoid wasting time playing charades with the locals with this popular app. This bad boy can translate between 103 languages, and 52 languages when you have no internet (which can be pretty often when you’re exploring unknown lands). You can even take a photo of text and have it translated in 29 languages.

That means no more winging it in foreign restaurants – here’s to never accidentally ordering the bull’s testicles.

 

More nifty tech:

  • WayGo – Freemium, iOS & Android (a good Google Translate substitute for Japanese, Chinese and Korean text)
  • Voice Translator – Free, Android (because even your exploding Galaxy Note 7 speaks better French than you do)
  • Duolingo – Free, iOS & Android (if you actually want to learn some phrases before you go, you big nerd)

 

Save time on booking accommodation

Spotlight on: Hotels Near Me – Free, iOS & Android

hotels-near-me

 

Not only does this app save you time, it also saves you up to 50% off the cost of your accommodation. Have you ever found yourself wandering aimlessly around an unfamiliar city after a big night out, unsure of where to crash for the night?

Don’t waste your time calling every hotel until you find somewhere with a room available. Just keep this app on standby to search for your nearest hotels and enjoy the discount that comes with it.

 

More nifty tech:

  • Booking.com – Free, iOS & Android (because the $20 you save each night means more spicy noodle soup for your belly)
  • Oyster (these guys are like the private investigators of hotel reviews)
  • Hotel Tonight – Free, iOS & Android (for when Hotels Near Me comes up empty)

 

Save time on the actual travelling

Spotlight on: FlightAware Flight Tracker – Free, iOS & Android

 

flight-aware

 

You know what’s worse than having your flight delayed at the last minute? Nothing. Nothing is worse than that. Flight Tracker is a handy little gem that lets you track your flight in real-time. This means no time wasted travelling to the airport only to be met with an excruciating wait before take-off.

This also means those hours you would’ve spent reading trashy magazines in an airport can instead be enjoyed trawling boutique stores for souvenirs (or reading those trashy magazines on the beach).

 

More nifty tech:

  • Hopper – Free, iOS & Android (get an instant alert when the flight you want is cheaper)
  • Kayak – Free, iOS & Android (quickly find great deals on flights and car rentals)
  • iExit – Free, iOS & Android (you’ll never need to cross your fingers and hope that the next highway exit has toilets)

 

Save time on creating your itinerary

Spotlight on: Hitlist – Free, iOS

hitlist

When you’ve got a hundred dream destinations in mind and you’re not sure which to jet off to first, this app will lead you in the right direction. Enter your favourite destinations, your interests and your ideal travel dates, and Hitlist will notify you of the best deals that match your selections.

Put the mouse down and step away from the laptop – your endless nights of researching and watching for sales are over thanks to this app that does all the hard work for you.

 

More nifty tech:

  • Trip.com – Free, iOS & Android (because, you know, research is so 2015)
  • TripIt – Free, iOS & Android (step away from the printer and keep your entire itinerary in one place)
  • TripAdvisor – Free, iOS & Android (real-person reviews of pretty much errthang)

Tech yourself before you wreck yourself, fellow globetrotters.

 

 

Quick heads up: The above links belong to a variety of websites and not Nimble, so clicking on, and using them, will take you away from Nimble’s website meaning we’ve got no control or responsibility over the content. Nimble does not endorse and is not affiliated or associated in any way whatsoever to the businesses named in this blog post.

The information in this blog post is general information only and does not take into account your objectives, financial situation or needs. 

The information contained in this blog is correct at the date of publication.

Moving house? The 12 things you might forget to budget for.

It’s all fun and games when you’re scouring realestate.com.au or Domain for the perfect abode…

…and you know you’ve got to label each box with the room and what’s inside, right?

But when it comes to the price of moving, there might be a couple of hidden costs.

So here’s our top tips for being a prepared mover and shaker:

  • We’re going to assume you’ve saved enough for a bond here. But did you know that you’ve also got to pay 2 weeks’ rent in advance as well? This cheeky little advance payment might catch some of you out if you’re not careful.
  • You’ll need to get your hands on some moving boxes. If you can, try and get some for free or cheap from buy, swap and sell pages rather than buying new from Bunnings or similar.
  • Like moving interstate isn’t hard enough, chuck in the removalist fee and you’re looking at upwards of $2,000. Recently, a friend of ours moved to Tasmania from the Gold Coast … and do you know how much 5 years’ worth of stuff cost to move? Over $3,500. Woah.
  • Sometimes it might just be easier to sell your current furniture and buy second-hand or cheap from the place you’re moving to. Worth a consideration!
hew8vavvvz4-matthaus-windhausen

We’re going to fill this page up with really pretty doorways…

  • Use this moving time to get rid of unwanted or unused items! Hold a garage sale, post them to Gumtree, give them away to family or friends! Whatever you do, just cut back on unnecessary items because that will save you money in moving costs.
  • When you’re a week or two out from moving, log a mail redirection with Australia Post. For under $50 for 3 months’ worth of redirection, it’s well worth keeping track of the little yellow stickers that are attached when your mail redirects. That way, you know which places to update your details. You can also include people you’re moving with so their mail is included, too.
  • If you’re not moving far, hiring a van for a couple of hours and bribing your mates with some beers could be more economical than hiring a removalist.
  • Internet – y’all need that sweet, sweet wifi. You may have to pay a month or so in advance, so there might be a hidden (but unavoidable) spend there.
Much camouflage, very hidden, wow!

Much camouflage, very hidden, wow!

  • Electricity – if nothing else, you’ll need it to watch Game of Thrones or to see the delicious takeaway you’re eating (or both, at the same time). If you’re renting you may be eligible to pay for any light bulbs that blow while you’re a tenant as well.
  • Do you still have a landline (does anyone)? If you do, talk to your provider about switching it over to your new address as soon as you move.
  • Ask the previous owner / real estate some simple questions that might save you in the future. These can be things like, ‘what cleaning products should be used on the floors?’ or if you’re renting a furnished property, ‘what cleaning products should be used on any leather furniture’? That stuff can be exxy to replace.
  • And now to the most important topic: food! You’ll need to either a) fill the fridge with your groceries or b) buy takeaway for the first few nights. (Remember if you’re starting from scratch your first shop will be bigger than normal because you’ll have to stock up on the basics!)

But remember, moving house is meant to be a fun adventure! If you’ve moved recently, give us some of your best tips in the comments below!

7xkkjvw1d8c-andres-iga

This is Hobbiton – just for funsies.

Quick heads up: The above links belong to a variety of websites and not Nimble, so clicking on, and using them, will take you away from Nimble’s website meaning we’ve got no control or responsibility over the content. Nimble does not endorse and is not affiliated or associated in any way whatsoever to the businesses named in this blog post. The information in this blog post is general information only and does not take into account your objectives, financial situation or needs.  The information contained in this blog is correct at the date of publication.

The one thing nobody likes talking about.

Grandpa had two rules:

  1. Don’t swear in front of ladies, and
  2. Don’t talk about money.

He broke number 1 that one time Mum and I joined him on the golf course…

… but number 2 was never discussed.

photo-1470883086119-f9dda6fdb990

It wasn’t like we didn’t have any money; in fact, we had an amazing upbringing with annual family holidays, birthday parties every second year and presents under the tree at Christmas. We never went without anything.

It was more of this unspoken rule that talking about finances was rude, unnecessary or simply just not the done thing.

So I grew up not talking about money.

Fast forward to today and I still cringe when my friends ask each other how much they’re paid, or what their weekly rent is, or even how much those new sunnies set me back.

And more seriously, I notice couples in our friendship group hiding spending habits from each other or breaking up because of differences in budgeting (that are found out way too late).

I’ve had friends go into complete meltdown because they haven’t had anyone to talk to about their situation.

But if money talks, why isn’t anyone talking about it?

People often feel embarrassed or have a fear of being judged. Maybe they don’t want to brag if they just got a promotion.

Or maybe they’re of the same mindset that our grandparents were and it’s hard for them to remove the stigma from their thoughts.

But the truth is that being open about your money habits and sharing your situation with those you trust is actually a pretty good way to set realistic goals.

Whether it’s being honest about a career aspiration or saving a house deposit or being able to afford an end-of-year trip, having someone to talk to can relieve a lot of stress.

For example:

  • If you’re in a tight financial spot and let your friends know about it, they might take more care in choosing more affordable places to eat or drink on the weekend.
  • By telling your dad you’re moving interstate and need to find a new job, he could get in touch with an ex-colleague who’s hiring a position in that location.
  • Or if you’re made redundant and feel like you have to start from scratch, your LinkedIn network can put the feelers out for new possibilities.

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Sometimes you just need a little reminder:

No matter how much you love your job, you’re working to earn money.

And if you’re not quite comfortable talking about it with someone face-to-face, there is another way.

Here’s three free apps that will help track your spending (minus the lecture you’re afraid of):

Got a Nimble Visa Prepaid Card*? Awesome! You can do this via your Member Area (without having to download anything).

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If you’re feeling adventurous, compare the results of your spending to the national averages here.

 

 

The sources we used (no BBQ in sight):

http://www.huffingtonpost.com/jennifer-dziura/talking-openly-about-money_b_4675295.html

http://www.forbes.com/sites/brianluster/2015/02/03/if-money-talks-why-dont-we-talk-about-it-2/#2f72f95a534c

 

 

Quick heads up: The above links belong to a variety of websites and not Nimble, so clicking on, and using them, will take you away from Nimble’s website meaning we’ve got no control or responsibility over the content. Nimble does not endorse and is not affiliated or associated in any way whatsoever to the businesses named in this blog post.

The information in this blog post is general information only and does not take into account your objectives, financial situation or needs. We recommend you consider the Product Disclosure Statement relating to the Nimble Visa Prepaid Card before making any decision. The Nimble Visa Prepaid Card is issued by Heritage Bank Limited ABN 32 087 652 024, AFSL 240984, ACL 240984. Nimble Australia Pty Ltd ABN 91 135 501 807 is involved in the promotion and distribution of the Nimble Visa Prepaid Card and is a Corporate Authorised Representative of Emerchants Payment Solutions Ltd ABN 30 131 436 532.

The information contained in this blog is correct at the date of publication.

We won some awards, yay!

It’s not often we brag about stuff.

But because we’re super nerds we couldn’t contain this one.

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This is in here purely because it brings us joy.

Earlier this year, we entered a bunch of Marketing Excellence awards for some of our TV campaigns.

And here’s where we kicked butt:

  • The Australian Effie Awards
    We won bronze – which is a super awesome effort! We were up against the likes of Vodafone and Bank of New Zealand in the financial products and services category.
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All the marketing, all the time.

Well-chuffed would be an accurate description of where we’re at right now.

Like, we knew our TV ads we entered were an extremely successful campaign and we knew that we had smashed our targets for all objectives…

… But it’s still nice to get a pat on the back from our industry pals.

I know what you’re thinking, ‘But Nimble, what objectives does one have for a marketing campaign?’

Great question.

Here’s what we were working towards:

  • New users: first and foremost, the campaign aimed to attract new customers to our site.
  • Build brand profile: we were set the task of delivering dramatic shifts in brand health.
  • Brand understanding and association: finding out what we can do better from our last lot of campaigns and doing it.
  • Online enquiries: metrics were established for online enquiries.

Awesome work team!

If you have any questions for our marketing team – write them in the comments. We love talking about this stuff!

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Quick heads up: The above links belong to a variety of websites and not Nimble, so clicking on, and using them, will take you away from Nimble’s website meaning we’ve got no control or responsibility over the content. Nimble does not endorse and is not affiliated or associated in any way whatsoever to the businesses named in this blog post.

The information contained in this blog is correct at the date of publication.

You can have your brunch and a financial future, too

You may have heard about Uber EATS delivering smashed avo to people around the country following a statement made by Bernard Salt in this article, which basically says that millennials can’t afford a house because they’re squandering their money on brunch.

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Well here’s another newsflash: Millennials (apart from having phones glued to their faces and their ironic use of 90s paraphernalia) are the most educated generation going ‘round.

And it makes sense: information is literally a finger-tap away and how-tos are accessible via videos on your mobile device.

So they should have no worries settling down for a life of financial security, right? Right?

For a lot of young people, they’re wondering why they’d want to lock themselves in the same career for the long-term (like their parents and grandparents) just for the sake of a few dollar dollar bills they won’t even be able to access for at least 40 years.

Good point. Putting money away each payday into a superannuation account you can’t access for decades and knowing that retirement is getting further and further out of reach (thanks a lot, economy) might not be on the list of things you wanna think about. Instead, you’re probably planning your next overseas adventure or thinking about that smashed avo and coffee you’re going to treat yo’self with on Saturday.

But maybe you should be thinking about your super just a little: the unfortunate fact is that for Millennials, unless you invest in your financial future now, it’s becoming less likely you’ll be able to retire with the lifestyle you’ve become accustomed to (and giving up brunch is just not on the list of things I want to do).

retirement-2There is good news, though!

We’ve got a few tips for making some small, gradual (yet effective) changes that will help you achieve your retirement lifestyle:

  • Talk with your payroll officer about making personal super contributions (before or after tax) to your superannuation account,
  • An oldie but a goodie: consolidate your super. Having it sitting with different institutions means you could be paying more fees or it could get lost over the years, and

 

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Quick heads up: the above links belong to a variety of websites and not Nimble, so clicking on, and using them, will take you away from Nimble’s website meaning we’ve got no control or responsibility over the content. Nimble does not endorse and is not affiliated or associated in any way whatsoever to the businesses named or links to external websites mentioned in this blog post. The information is provided for information purposes only and does not constitute financial or tax advice. You should conduct your own research and speak with a registered financial adviser regarding the information mentioned in this blog post. All images are sourced from unsplash.com. The information contained in this blog is correct at the date of publication.

Experiences not things: why aren’t Gen Y ‘adulting’ at 25?

Some say Gen Y can’t adult.

Others say they’re self-absorbed, tech-reliant idiots who ride the wave of their parents’ hard work (yikes, harsh).

But the actual truth is that they’re the most influential, powerful, transnational consumer market in history – and growing.

As young people start earning their own money and making big life decisions (in case you were wondering, yes, extra guac is always a good idea), they’re changing the economy as we know it in a big way.

Spending more, doing more, living more: Gen Y lifestyle choices are driven by their aspirational values.

Home sweet home

Despite the fact that they’ll most likely face pressure from their parents (and society) to:

  • Go to uni
  • Get a job
  • Save up
  • Buy a house
  • Settle down with a significant other
  • Pop out 2.3 children, and
  • Adopt a puppy…

They’re actually:

  • Traveling straight after school
  • Studying something that probably wasn’t around 20 (or even 10) years ago
  • Changing jobs at least 12 times before they turn 30
  • Moving interstate or internationally
  • Having kids later in life
  • Being pickier about who they settle down with, and
  • Quite frankly, a golden retriever just doesn’t fit into that plan.

The reality is that they’re spending their disposable income (and believe us, there’s a lot of it) on life experiences, travel and yes, occasionally, extra guacamole on their Mexican takeaway.

A common theme is exploring in your 20s and 30s (while you’re able-bodied), then settling into a settled routine.

So moral of the story is this: don’t feel bad if you don’t have a mortgage or a stack of cash saved up for retirement. Why wait till you’re over 50 to experience the good life?

 

Where we got our info:

HubSpot

Bandt

Forbes

 

Quick heads up: the above links belong to a variety of websites and not Nimble, so clicking on, and using them, will take you away from Nimble’s website meaning we’ve got no control or responsibility over the content. The information is provided for information purposes only and does not constitute advice. You should conduct your own research regarding the information mentioned in this blog post. All images are sourced from www.stocksy.com under licence. The information contained in this blog is correct at the date of publication.

What to claim: Tax Time

Here we go again. Tax time.

Your payroll officer is barricading herself behind a makeshift cubby house so as to avoid the whining masses asking for their payment summaries.

You’re pulling your hair out because you have no idea in hell how to lodge a tax return.

And your bank account is looking extremely empty, just waiting for those dollar dollar bills to trickle in when you get your tax return.

If you’re wracking your brain for what to claim (hey, that rhymes!), we’ve prepared a list that might help you out:

  • Are you getting a tax agent to prepare your tax return? Keep record of the kilometers you travel and any incidental costs in getting to them – these are deductible expenses.
  • And once you pay your tax agent fees, keep that receipt because you can claim that too (next year)! Taxes 2
  • Have you been a generous soul this past year? If you’ve donated more than $2 to charity (and held on to the receipts), you’ll get a deduction. However, if you’ve received something in return for your donation (a novelty item or raffle ticket etc), you won’t be able to make this claim.
  • Do you work from home? The costs endured in maintaining a home office are a tax deduction. Make sure you keep a record of how many hours per week you spend working from your home office.
  • Do you have to wear a compulsory uniform for your day job? If it has your business logo on it – it’s tax deductible.
  • The cost of keeping your uniforms clean and smelling fresh are also a tax claim – expenses up to $150 do not need to be supported with receipts.
  • If you use your own car for work, whether it be for attending meetings or running errands – you can claim these kms. Just make sure you keep track of the distances and the amount of your tax deduction gets calculated at tax time.
  • Does your work require you out in that hot Australian sun? You can make claims for protective sunglasses, hats and sunscreen.

All in all, our red-hot tip is to hold on tight on all receipts that are work related.

On the flip side, don’t go claimin’ things you shouldn’t.

For example, your standard driver’s licence, any costs associated with defending a driving charge and your usual commute to and from work is not usually deductible and the tax man will see it as a big no-no.

Volunteer work and grooming costs are also not deductible (unfortunately you’re gonna have to pay for that manicure and blow-dry yourself, lovely).

 

 

Sources:

https://www.ato.gov.au/Individuals/Income-and-deductions/Deductions-you-can-claim/

http://www.lifehacker.com.au/2015/06/five-deductions-you-cant-claim-in-your-tax-return/

Quick heads up: the above links belong to a variety of websites and not Nimble, so clicking on, and using them, will take you away from Nimble’s website meaning we’ve got no control or responsibility over the content. Nimble does not endorse and is not affiliated or associated in any way whatsoever to the businesses named in this blog post. The information is provided for information purposes only and does not constitute financial or tax advice. You should conduct your own research and speak with your registered tax agent regarding the information mentioned in this blog post. All images are sourced fromwww.stocksy.com under licence. The information contained in this blog is correct at the date of publication.

We aren’t cavemen anymore: determining your wants from your needs

Believe it or not, there was a time when all a human being needed was simply food, a way to prepare the said food, access to water, shelter and warmth. In a world that’s getting confused between “I want it” and “I need it”, we thought now would be a good time to have a chat about wants vs needs.

It’s funny to think back to a time where mobile phone bills weren’t a ‘thing’ (let’s be honest, it’s hard enough to remember the good old days when you had to dial up your internet to run MSN Messenger – rest in peace). But as technology has developed, so too has people’s wants turned into needs.

It’s realistic to say that if you have a job, you’ll need a way to get to your place of work. If you have a family, then you’ll need a way to protect their health. And unless you plan on living in a nudist colony down in Byron Bay, you’ll probably need some clothes, too.

In what could be the very first step in creating a dynamic budget (and one that you’ll stick to), setting aside your wants from your needs is vital in making sure you’re paving a path in the right direction for your bank account.

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Here’s how you start:

If you’re a serial spender, put down the latte and write a list of things you need. Include things like groceries, your transport expenses, insurance, rent, hygiene products, basic phone bills and stuff like that. Here’s a handy little template you can use as a guide. (Be mindful that some things you think you need are actually wants in disguise. Here is Nimble’s ultimate list of ways to save, to help you get your needs down to the bare minimum).

Once you’ve weeded out your needs and you find yourself with some extra cashola, you can start to map out your wants.

If you’re on a roll and cutting down on your unexplained and unwarranted spending and still have some leftover moolah (you little ripper), you can make a new little list entitled ‘luxuries’. The key here is to keep this list small and only purchase things from this list on a minimal basis or as a reward for saving a certain amount of cash, landing the dream job or sticking to your new fitness regime for six months.

In saying all of that, here’s some #realtalk we think is important to keep in mind when creating this list:

  1. Make sure you save a percentage of your wage each time you’re paid for any unexpected bills, events or life-changers.
  1. Don’t completely cut out any of your required expenditures (AKA ‘needs’). Being stingy on insurance or your savings will come back to bite you. However, remember to do a financial audit regularly to ensure you’re not paying more for your essential expenses than you need to.
  1. On the flip side of that, it’s important not to completely forego wants, as they’re the things that fuel your creativity, help you to find your career or your soul mate as well as making life interesting and fun. Above all, it’s about balance and compromise.

 

 

Quick heads up: the above links belong to a variety of websites and not Nimble, so clicking on, and using them, will take you away from Nimble’s website meaning we’ve got no control or responsibility over the content. Nimble does not endorse and is not affiliated or associated in any way whatsoever to the businesses named in this blog post. The information is provided for information purposes only and does not constitute financial advice. You should conduct your own research regarding the information and businesses mentioned in this blog post. All images are sourced from www.stocksy.com under licence. The information contained in this blog is correct at the date of publication.