General

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.

 

eipjjvgp5-u-mink-mingle

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.

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.

How to beat burnout

No, we’re not talking about the fully sick doughnuts you do in your mate’s Commodore (not that we condone that type of behaviour…).

The type of burnouts we’re focusing on are the work-yourself-into-the-ground, all-consuming commitments, no-time-for-yourself kind of burnout.

You don’t have to whisk yourself away to an exclusive Byron Bay yoga retreat to slow down and take a time out from your busy schedule.

Here’s why you don’t want to burn yourself out:

According to the Australian Bureau of Statistics, full-time and part-time working Australians are working longer hours than ever before, with overtime and overworking becoming the norm.

Let’s get real – burning yourself out makes you less productive, less happy and could even lead to health risks (and a higher dosage of prescription meds – ew).

To save yourself from taking on too much, here’s some quick and easy tips to make sure you’re not going to overdo things:

  • Have a routine – create manageable task lists – it’s so satisfying ticking them off! Set aside the time and stick to it and don’t let yourself be distracted by other jobs that need doing, just jot them down on paper and get to it later.
  • Practice meditation – it doesn’t have to be the ‘om’ type either, grab a colouring in book (have you seen the new adult ones? Amazing! We’ve recently acquired a Harry Potter one…) or simply listen to your favourite music – let your mind wander and relish the time out. Check out Headspace and download the handy app to get you on your meditation journey.
  • Sleep – get at least 7 hours a night to increase your  health benefits. You wouldn’t expect your car to run with no fuel, so you shouldn’t expect your body to run efficiently with no sleep.

Burnout1

  • Set boundaries – you have the power to say no (to that social outing you don’t want to go to, to covering a colleague’s workload while they duck out to get their nails done, or saying no to your in-laws adding people to your wedding list).
  • Know when you need support (and ask for help). Talk to your friends, boss, human resources team or even a counsellor (this can be done through your Employee Assistance Program at work). You’ll be amazed at how much better you’ll feel after talking aloud to someone about your stress levels or needs.
  • Press pause and have alone time after you leave work. Even if it’s for 5 minutes before you get dinner ready or play with your kids, wind down after you leave the office. Dr Adam Fraser has some really good points about The Third Space here.
  • Do something completely non-work related (read that book, play that sport, see those friends) after you leave work. Join a netball team, take up boxercise or simply go for a walk to clear your head.
  • Take a holiday! We’re given four weeks’ paid annual leave a year for a reason. Don’t let your accrued leave build up so much that you’re too worn out by the time you realise you need a break. To stay on budget, check out promotional flight deals at Flight Centre or have a look at The Hitlist to plan your trip. If you’re just after accomodation, good ol Airbnb or Stayz has rooms to suit any budget.  

 

 

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 medical advice.You should consult your medical practitioner regarding thisinformation and conduct your own research regarding the 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.

It’s not Monday, it’s your job

Let’s get one thing straight. Mondays should be hectic. They should be busy, exciting, productive, chaotic at times and fulfilling the rest. If you’re spending Sunday night curled up on the couch dreading the next day, then maybe you should be taking a look at how you can change that (without blaming it all on your job).

Have you ever thought that maybe it’s not the end of the weekend you’re lamenting, but the start of your working week?

Sure, there’s an inherent belief that Mondays tend to be the worst day of the week – that’s something that has been ingrained in us since we were old enough to go to school. But at Nimble, we think Mondays are another chance for us to make a positive change in someone’s life and to do what we love for (at least) 8 hours a day.

If you’re one of the lucky ones spending your days in your dream job and just have the occasional bout of Monday-itis, then here’s our top 3 quick fixes to aid your Monday blues:

  1. Mix it up with walking meetings – you’re blocking out the time to have a catch up anyways, why not do it in the great outdoors rather than the stuffy office meeting room? Catch a tan, get your day’s cardio in and get your ticker pumping.
  2. Instead of taking a creative break and cruising Facebook for 20 minutes, why don’t you take a stroll over to the kitchen, grab a glass of h20 or have a friendly chat to your favourite colleague? Or drum up a singalong in your team by sharing your favourite playlist on Spotify.
  3. Go outside for lunch. Try bringing your own (BYOL – see what we did there?) and keep it fresh with healthy salads, wraps, sangas or trusty leftovers. Forgotten your lunch? No biggie. Walk an extra few metres and try the new joint up the road rather than the unhealthy (easy) cafe option next door. Trust us, you will be buzzing with creative energy after a little break outdoors and your boss will be frothing over all the productivity!

Do you hate the work that you’re doing? Sure, if your job is making you wildly unhappy for a myriad of reasons, then maybe it’s time for a change – you never know, your dream job might just pop up when you least expect it!

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

We’re sorry.

Sorry we're slow - Blog

Recently, some of you have been disappointed with your Nimble experience. And you had every reason to be.

Let us explain why:

Two months ago, we started some major upgrades to improve our technology platform and service here at Nimble.

Some of the changes we made were pretty radical (more on that to come in another blog post) and they totally blew out our normal processing times.

At one point, we were probably as slow as your bank, sometimes taking days to process an application – which we know really sucks. And we’re sorry.

The good news…

…is that the average processing time is now 2.5 hours*. We know that’s still not amazing but we’re getting faster every day.

But if you need money now, you can expect a smoother run than the last time you applied.

We’ve heard your concerns and hopefully answered some of your questions. Thanks for hanging in there and we’ll keep you posted as our times improve.

The Nimble Team

 

 

* Applications submitted during business hours.
The information contained in this blog is correct at the date of publication.

 

 

 

Are You Rego-Ready?

What do all Australian car owners have in common?

Well, that’s easy. It’s that pesky car rego bill that finds itself in our mailbox every six to twelve months.

Here at Nimble, we see a lot of our customers get caught short each time their rego payment rolls around. It seems like the last one was only just paid, right?

So, let’s talk about it. What are we actually paying all this money for and is there a way to make sure we’re not caught off guard when it’s rego time?

What does ‘rego’ even mean?

In Australia, every vehicle that drives on the roads is required by law to be registered. Getting your car registered proves it’s roadworthy, that it belongs to you and allows the car to be identified quickly.

Another requirement by law is that your vehicle must be covered by Compulsory Third Party (CTP) Insurance.

In most states and territories there is only one approved provider of CTP insurance, however NSW and QLD give car owners a choice in this department. Premiums depend on the type of vehicle and who will be driving it.

The exact fees that cover the above differ pretty substantially from state to state, but generally it is broken down into:

  • A standard registration fee (this is your contribution to helping keep the road maintenance underway),
  • A fee for your CTP insurance,
  • An admin fee.
  • Extra charges can depend on if you have a specialised number plate or if you have a heavy or specialised vehicle.

Check out the info provided by your State or Territory Government for more facts and figures.

Our Top Tips for being Rego-Time-Ready

1. Does your bank offer sub-accounts?money in a money box, notes and coins, Australian

Create a sub-account that is called “Rego Savings”. Or “Sneaky Rego Bill”. Or “Unexpected, annoying. pain-in-the-butt car rego”. (You probably can’t use that many words.)

Seriously though, most banks allow you to open a sub-account to your main account. It’s not a whole new account with a whole new set of fees – it’s just an area where you can set aside money for things like, you know, your rego.

Give your bank a call and organise that sub-account today.

2. A ‘Piggy Bank’ called Reg.

Now that you’ve opened a new sub-account, make it your virtual piggy bank. Aussies are increasingly going cashless so the good old fashioned jar in the cupboard is becoming trickier to fill.

It’s about time we took the piggy bank online. Log on to your internet banking once a day and transfer any “change” into your sub ‘piggy bank’ account rounding your balance to dollar figure. Do this everyday and watch those leftover cents turn into dollars, and in a years time most of your rego could be sorted.pizza_square

3. Rego due this month? Time to say no to eating out.

It’s OK to say ‘no’ sometimes. Especially when it’s saying ‘no’ to going out for dinner every night when your rego is due this month. Suggest that your friend cooks you dinner instead? And promise that you’ll do the same for them when it’s their rego month. What are friends for, anyway?

4.What costly things are you subscribed to?

Music subscription? TV? Magazines? Maybe you don’t really need that subscription? Maybe you’ve forgotten that you even had that $13.00 coming out of your account each month. Well, hate to point out the obvious – but there’s a good chunk of your rego right there.

5. Put your wheels to work!

For the many of us who commute to work on a daily basis, rego can be a right little pain especially since our car spends more time in the garage than on the road. Why not put your wheels to work and pay its rego for itself?

How on earth you might ask… well today thanks to the innovative startups in the sharing economy, you can rent your car out while you’re at work or away. Check out DriveMyCar where you can earn $800 per month or more. They calculate the amount you earn from renting your car according to its market value and estimate a return of 42% if rented for a year!

We’ve blogged about the sharing economy before and how you can make some extra money.

Check it out here for even more creative ways to save for your rego.

6. Do you even need a car??

Live in the city? Or work from home? Or close to public transport? Have you ever thought about ditching the car all together?

Imagine having no car and none of the costs that come with it ie. never worrying about the dreaded rego again! Just you, a bicycle and the wind in your hair.

 

Did you find this info about rego helpful? We’d love to hear your feedback –  just comment below.

 

Information current as at July 2015.
The information in this blog post is not intended to imply any recommendation, endorsement or opinion by Nimble about any financial or non-financial product. Nimble does not recommend or advise on the suitability of a product or suggest or imply a recommendation to buy, sell or hold a particular product. This blog post is for information purposes only.

Nimble’s Daily Habits: KeepCups over Disposable Cups Everyday

Did you know that it’s Plastic Free July?

This made our choice for this month’s Daily Habit change a bit of a no brainer…

On the 1st of July, every staff member at Nimble got a KeepCup. This means there will be no more disposable cups filling up our Nimble bins, and that’s a lot of cups – as we do love our coffee!

Here are our top reasons for becoming KeepCup reusers:

  • Every minute, over one million disposable cups are discarded into landfill
  • When compared to the disposable cups, using KeepCups reduces landfill by at least 99% every year
  • Half of the plastic used in the world today is for single use disposable items

If that’s not enough to get you to make the change too, head to the KeepCup website – you’ll never look back. You can even design your own KeepCups here.

Here’s how the transition went down at Nimble:

How to Earn Extra Cash with the Sharing Economy

Ever feel like your 9-5 job isn’t bringing home enough bacon?

Good news is that today, thanks to the rise of the sharing economy, the tools to make some extra cash are already at your fingertips.

Collaborative consumption, the trust economy or peer-to-peer economy – whatever you decide to call it, the sharing economy is all about community, trust and using the resources right under our noses.

Whether it be our cars, clothes, spare rooms, backyards or our brains, people around the world are sharing their stuff to pocket a few extra pennies.

And there are loads of cool startups springing up to help you make it happen.

Here are 5 ways you can start tapping into the sharing economy today:

 

AirbnbAirBnB

Planning a trip somewhere? Airbnb is a trusted online community built by two guys in San Francisco to give you an alternative to the standard hotel that you would usually seek out in your travels. Through the Airbnb marketplace, you can book accommodation in other people’s homes – the whole place or even just a room. It’s like having a home away from home.

To earn some extra cash, why not list your spare room? Or even your whole home while your away?

Currently, there are over 35 million people using Airbnb around the world. They’re staying in over 34,000 cities in over 190 countries and have the option of staying in over 600 castles. Jump on board now.

 

PetHomeStayPetHomeStay

Do you love puppies but can’t commit to a full time dog? Why not sign up to be a pet sitter in your local area? Get the best of both worlds – the fun, cuddles and love of a pet, but you still get to go on holidays without a worry. All this while earning a few extra bucks at the same time.

 

AirtaskerAirTasker

Fancy yourself a handyman? Bit more tech savvy than the average Joe? Or have you got a vehicle that doubles as a delivery van? Well, it’s your lucky day. With Airtasker, you can earn extra cash just by helping others with things you’re already doing.

 

DriveMyCarDriveMyCar

Do you have a car that spends more time in the garage than on the road? DriveMyCar is a marketplace for those just like you! Keep the dust off your wheels while putting some extra cash in your pocket by renting your car through DriveMyCar.

You can earn $800 per month or more. They calculate the amount you earn from renting your car according to its market value. They estimate a return of 42% if rented for a year! Head here to check out their awesome Rental Calculator tool and find out how much you could earn today.

 

Expert360Expert360

Consider yourself an expert at something? Ever hoped for the opportunity to rent those skills of yours out? Well, look no further. It’s real easy, just create a profile and apply for projects in your own time, then get paid and get credit. Head over to sign up as one of Expert360’s consultants.

 

A Furry Happy Ending

We love a feel good story. Oh and we love animals. And we especially love a story about animals with a coincidental twist that gives you one of those ‘everything happens for a reason’ moments. So it’s no wonder our hearts melted when we heard this tale of a furry feline friend, who in a surprising turn of events and a little luck, went from one sick cat to happily on the mend with an equally happy owner. This particular story was loved by everyone here at Nimble – so, we thought you all might get a smile out of it too!

Here’s the story:
“It’s funny how things work out. After finding out I won the $100 Coles Myer card yesterday, I arrived home to find my cat had a huge swollen face. I took her to the vet this morning for treatment costing exactly $100. The really funny thing is, I named Sophie the cat after a friend of mine recently past. His cat was named Sophie. He always used to talk about his cat. He died from lung cancer a month ago. I think he was looking out for me and knew this was going to happen. So basically the Coles Myer card has kind of covered the cost of the vets today.”

Here’s Sophie:

SophietheCat

We Walked 4 Water

To follow up on our recent delivery of amazing toilet paper from Who Gives A Crap who donate 50% of their profits to WaterAid, it seemed fitting to get involved with WaterAid’s annual fundraising event – Walk 4 Water.

This week, 24 members of the Nimble team have participated in Walk 4 Water. This means each person has taken more than 10,000 steps a day to raise money to help WaterAid create a world where everyone has access to safe and clean water.

It’s been an awesome week watching everyone rally together to raise funds, continuously comparing their steps for the day, whilst accidentally resetting them now and then.

We even threw a Pie Throwing contest to help raise funds. This gave the staff the opportunity to show their managers how awesome they think they are by throwing a pie in their face!

Overall we raised $1700.00 and are even feeling that bit fitter because of it.

(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.)

Wiping Your Butt Never Felt So Good

This week, the Nimble poo-crew wheeled around their trolley and handed out a roll of loo-paper to each staff member courtesy of the wonderful, world-changing folk at Who Gives A Crap. And well, if you didn’t think someone’s face could light up over something they wipe their bum with – think again.

Who Gives A Crap are an awesome Australian organisation producing toilet paper that does more than just keep your bottom clean. 50% of their profits are donated to WaterAid to help build toilets in the developing world and better still, it’s all done with environmentally friendly materials.

So, we’ve got ours and are on the waiting list for the office-friendly, jumbo rolls – you can order yours right here and get it delivered straight to your door.

It’s small, but who said changing the world doesn’t start with wiping your bum?

WGAC