Tips & Resources

6 Top Travel Trends

Regardless of whether you’re an adventurous traveller or prefer to keep the pace slow, there’s an abundance of travel trends you can get on board with.

We’ve compiled a list with 6 of the hottest travel trends right now, with a little help from some of our digital friends Kayla Manoe, founder of Kelana by Kayla; Stephen and Jess; Co-Founders of Flying the Nest; Scott Purcell, Co-founder of Man of Many and James Banham, editor at The-F.

    1. Go where the good food is

“If the millions of travellers around the world have told us one thing through their pictures and stories, it’s this; food is where it’s at,” says Co-Founder of Man of Many, Scott Purcell.

There are countless anecdotes, guide listings and tasty memories from travellers about the food markets in Hong Kong and Singapore, the raging brunch trend in Australia, the hearty and meaty dishes of southern America and the cultural explosion that is European cuisine. All put food right at the top of the pile when it comes to ‘reason to travel’.

“Search ‘#food’ on Instagram and be bombarded with millions of images of some seriously sumptuous sights that are as good enough a reason to book a ticket to essentially anywhere as soon as you can muster!” Scott says. We couldn’t agree more.

    2. Active retreats   

Health, wellness and fitness retreats are the new beach holiday! There are loads of options out there, aimed at getting you moving, unwinding from the stresses of everyday life and nurturing your mind and body. These might include hikes and boot camp style breaks or something more gentle (but no less challenging in their own right) such as yoga and meditation retreats.

    3. Working holidays

Travelling for work? Make the most of your work-expensed flights by extending your stay for a few extra days or using the trip as a launching pad for a longer break. If you’re short on time and don’t have flexible flights, make the most of your spare hours (however limited) and discover the sights and sounds of your destination after you switch off for the day. Explore the streets with your camera in hand, grab a bite at a notable restaurant or maybe, just maybe, squeeze in a visit to one of the landmarks if you can get in before closing time.

    4. Live as the locals do

Getting off the beaten path is an experience that more and more explorers seek out on their travels abroad. Do your research to find local events and hangout spots, ask friends and family who may have been to the destination before for their hot tips or just wing it and see what you can find. Need a helping hand? Airbnb have recently launched an ‘Experiences’ tab which allows you to get a sneak peek into the lives of a local, as your host guides you around town or takes you through a workshop with a local flair to it.

    5. Volunteering and sustainable travel

Travel is a rewarding experience in itself, but you can take it to the next level by giving back to the community you’re visiting by volunteering and engaging in sustainable travel practices. Stephen and Jess, Co-Founders of Flying the Nest say “Volunteering abroad is quickly growing to be a popular alternative to someone’s gap year and it’s not just for the new explorers, we see plenty of families and people having a mid-life or mid-job crisis.”

There are many credible organisations out there that specialise in coordinating volunteer holidays. Think anything from conservation projects working with native animals and wildlife preservation to building and infrastructure development or teaching a language or specialist skill.

While volunteering abroad and being a sustainable traveller isn’t always the cheapest way to go, your actions certainly go a long way! Kayla Manoe, Founder of Kelana by Kayla shares a few ideas for incorporating responsible practices into your trip:

  • Opting for train and bus travel
  • Boycotting cruel animal attractions
  • Reducing waste
  • Shopping fair trade

These activities “are all incredibly important in sustaining the environment and providing a more positive and rewarding experience for all involved” she says.

    6. Staycations

Sometimes you don’t need to go far to have a good time. “One of the most popular travel trends on the rise is the oft-underrated staycation,” says James Banham, Editor at The-F.

“Instead of spending time and money on expensive flights, stick close to home and spend the extra dollars on wine, cheese, an award-winning restaurant or a zippy convertible for the weekend.

It’s also a great opportunity to discover more about your own backyard, and by supporting local businesses you’ll be putting the dollars back into your local economy. We’re spoilt for choice in Australia – there’s no excuse not to see it all.”

Feeling inspired but don’t have quite enough in the piggy bank just yet? Nimble offer small and medium loans and you can borrow money fast with our cash loans online. Happy holiday planning!

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.

Great Weekend Activities for the Kids on a Budget

Finding activities to do with the kids on the weekend doesn’t have to cost an arm and a leg – or your sanity!  Here are some of our favourite indoor and outdoor activities that will keep the kids busy and be a whole lot of fun too, even if you’re on a budget.

INDOOR ACTIVITIES

Whip up a kitchen masterpiece

Teach the kids a thing or two about food, nutrition and cooking by spending a few hours in the kitchen together. If you often find yourself short for time during the week, you might even like to get a head start on meal prep and lunchbox snacks that the kids can enjoy later. Get busy mixing and stirring, pouring and chopping – and don’t forget the good old lick of the spoon (for quality control of course)! As a reward, sit down and enjoy the tasty treats you’ve created.

Take it to the next level: Book the kids into some cooking classes. They will help to refine their cooking skills, allow them to learn more about nutrition and produce, mingle with other kids their age and express themselves creatively.

Release the artist within

Allow the children to let their imaginations run wild with some DIY arts and crafts. Not sure where to start? We recommend storing recyclable packaging in the lead up to the weekend such as egg cartons, milk bottles, cereal boxes and newspapers. Grab some masking tape, stickers, crayons, glitter (if you’re game) and more and see what masterpieces the kids can come up with. If you have some larger moving boxes handy you might even like to work on building a car, spaceship or any other mode of transportation you like for future playtime – the sky’s the limit! This is a great one for rainy days.

Take it to the next level: Enrol in a term of art classes. Not only will the kids be guided by an experienced teacher but they will have access to more materials and be able to get the messy bits out of the way while they’re out of the house!

Rally the troops for games night

A fantastic way to bring the family together without spending a fortune is to hold a games night. Classics such as Monopoly, Battleship, Guess Who and Uno are good ones to start with, and can be purchased without draining the savings too much on a visit to your local Big W, Kmart or Target. So what are you waiting for? Dust off your favourite board games and set of cards and get playing!

Take it to the next level:  Purchase a game console such as Xbox, or Playstation and some family friendly games. The big and little kids in your house will love this one, especially when the weather keeps you indoors.

OUTDOOR ACTIVITIES

Take a walk on the wild side

Put on your walking shoes and explore the great outdoors by going for a hike together. National parks are a great place to start, typically offering a few trails of varying lengths, conditions (i.e. pram friendly) and difficulties so you can find one that suits your needs. Refuel after the journey with a pre-packed picnic or bringing along ingredients and utensils for a barbecue if there are facilities you can use there.

Take it to the next level: Set yourself up with all the camping essentials such as a new tent, sleeping bags, cooking equipment and more and go for a long weekend away.

On your marks, get set – GO!

Revive the classic races from your primary school sports days such as the egg and spoon race or the three-legged race by holding your very own mini sports carnival. Use your own backyard if you’ve got the space or head down to your local park. This one is a great way to get the kids out of the house, especially for birthday parties or when they have friends over to play. Medals and certificates for each participant will make everyone feel like little champions for taking part in the festivities.

Take it to the next level:  Play a few rounds of mini golf or bowling, discover Go Karting or chase each other around at Laser Tag! There’s loads of different activity centres out there for children of all ages to enjoy.

Ride on two (or four) wheels

Get a good dose of vitamin D and fresh air by pulling out your favourite set of wheels and going for a ride on your local bike path.  Bring the bike, scooter, rollerblade or skateboard and necessary protective gear. Packing some snacks for pit stops along the way isn’t such a terrible idea either for treating hungry bellies.

Take it to the next level: Spoil your little ones with a new set of wheels. Not only is it great for getting them outside but it’s a fantastic way to get moving and spend time together as a family.

Wondering how to get money fast? Nimble loans could be a good option for you and your sanity with keeping the kids busy! Offering small loans for your short term entertainment needs.  

Quick heads up: 

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.

Bored at work? We can help with these 4 techniques

It’s totally normal to go through peaks and troughs of motivation and boredom at work.

 

Heck, you’re there for most of your day and there’s a lot that can happen in those 8+ hours!

 

But if you’re feeling down about your day-to-day routine, you’re probably wanting to know: how do you put the spark back in your relationship with your 9-5?

 

The heavy stuff:

 

Some reports suggest that we’re facing a worldwide employee engagement crisis.

 

And in Australia, 60% of employees are disengaged from their workplace.

 

Here’s how you can take charge:

 

If you’re worried that you are feeling a little less in love with your job, perhaps try one of these 4 techniques:

 

  • Change the way you work. It could be something as simple as a new approach to doing things, changing up your morning routine or swapping your desk for a standing table and trying a different environment.

 

  • Look at the big picture and practice some good, old fashioned gratitude. Try writing down all the things you like about your job. Then go and do more of those things!

 

  • Take some time out and have a coffee with your work colleagues or your boss and ask about their weekend or their family.

 

  • Get creative and try something new – ask your boss if you can enrol in some online training and learn a new skill. It’s amazing how motivated you’ll be when you’ve got some new tricks up your sleeve.

 

work routine

 

Hopefully these helped boost your motivation!

 

However if you’re still struggling with all things work, it might be time to have a little chat with yourself and think about your options.

 

Life’s too short etc etc [insert your fave motivational quote here]!

Get off your phone this new year by using tech (and other methods).

It’s the new year.

 

You’re making resolutions left, right and centre.

 

You’re promising yourself you’ll be healthier, happier, or more productive (or all three, you beautiful overachiever, you).

 

You’re letting your friends know about it with the copious amounts of #newyearnewme hashtags on Facebook, Twitter, Instagram… you name it.

 

But could that be a problem in itself?

ly6mi7b4gwg-jamie-street

 

Look, we’re all guilty of scrolling through Facebook’s most recent activity, then jumping over to Instagram and having a little looksee and then going back over to Facebook to see if anything’s changed in the last 2 minutes.

 

But are you missing what’s happening in the #realworld by spending too much time on your phone?

 

If you’re at risk of having a permanently bent neck from looking at your smart phone (uh oh), cut down your social media use in the New Year.

 

Here’s how you can do it, with technology (oh, the irony):

 

  • Admit there is a problem. Like all addictions, this is the first step to rehabilitation. Cue the ‘social media is for you to use, don’t let it use you’ line. OK good. Moving on.

 

  • Track your time spent online with a good, old fashioned stopwatch. Luckily most smartphones have one available. Too much old-school action for you? Then download an app like Moment, which will track the time you spend on certain apps and set limitations for phone usage. If you exceed the usage, annoying push notifications will flood your screen. logo-404496b4cc10fe8de6d1ee8c6dbf6539
  • Edit your notifications. Remove the push variety from all your social networking sites. You don’t need a real-time play-by-play for the amount of likes you’re collecting for your latest meal flatlay, do you?

 

  • So you think you may just need a gentle, friendly nudge to steer you in the right direction? Stay on Task for Android very politely checks in with you to see if you’re still on task for any given time period / project. How quaint!

stay-on-task-app

 

  • Desperate times call for desperate measures? Straight up block distracting (or time-wasting) apps for games or social networking by using Offtime. You can tailor it to suit your downtime, family time or social time so you can still access your phone but without the distraction of the apps that set you back. Other goodies for this are Flipd and AppDetox if you want a more aggressive approach.

flipd

 

Finally, when you think you’re on the edge of jumping into your social channels, go outside. Take a deep breath. Spend some time with family or friends – you know, in the flesh.

 

Oh, and – Happy New Year!

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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 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

ynab

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!

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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.

Christmas gifts you kinda want to keep for yourself

Some gifts are just too good to give away and we totally get it.

If you’re anything like us, you’ll buy a bunch of epic presents for your loved ones at Christmas – only to discover that yes, that shirt actually does look better on you (and you think you might keep it).

And no, it’s not a crime if you opened that expensive bottle of wine you had intentions of giving your parents for Christmas but it looked so lonely just sitting there and you had just cooked a steak that night and it would be a shame not to enjoy the meal with a nice glass of red.

So forget the last-minute scramble to make a macaroni picture frame…

Because here’s some quick and quirky present ideas for you to wow your family and friends with come December 25 (that you get to enjoy as well):

Adult sized mermaid tails.

Need we say more? Christmas in Australia is HOT and you can bet your last BBQ prawn that you’ll find your way to a large body of water at some point. 

Just think about how majestic you and your friend / partner / parent / literally anyone will look with one of these badboys.

You can set yourself up with a mermaid (or merman) fin for under $50 on eBay or a little more at other online Australian retailers.

A brew-your-own-beer kit.

Forget the old bathtub and moonshine scenario, the ones we’re talking about are super functional and relatively easy to use. Plus, we think the end product is well worth the effort and hours waiting for it to be ready. 

We kinda think giving this to someone else rather than keeping it for yourself is the way to go here – not only will they do all the work, but (assuming your mate is a decent human being) you’ll get to enjoy the fruits of his / her labour with a nice, cold frothy one.

It’s the gift that keeps on giving. Your friend can give bottles away as gifts to their friends! So really it’s more like an investment. You can pick one up super easy online, from about $40 here

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All the beer.

Flower crown workshop for you and your home gals.

This crafty little business means that a florist will provide you with the tools, flowers and guidance to make your own magical creations – that you ultimately get to wear on your head.

Chuck a search in Google for flower crown workshops in your local area – keep a special eye out for biz’s that use locally sourced produce and who can travel to your place to do the workshops – this will help keep costs down as well as being the perfect opportunity to stock the fridge with your fave bubbles!

It’s an awesome way to tick off about 10 presents in one go as well. Win!

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A real-life Snapchat filter.

And this one just takes the cake because it’s a jolly good purchase, old chap: British accent breath spray.

For the person who’s got everything – except, well, a British accent. And breath spray. Whatever, it’s a steal at under $10. 

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Tastes like class to me!

If none of those tickle your fancy and if you’re keen to just lose, oh I dunno, like 87 hours this week on the Internet – look no further than This is Why I’m Broke.

 

Merry Christmas!

 

 

Quick heads up: Nimble does not condone excessive alcohol consumption, so please drink responsibly. 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.

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.

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.

Smart (and cheap) little holiday ideas to take over the long weekend

As the rare four-day long weekend approaches, working Aussies breathe a sigh of relief, shortly followed by a momentary freak, usually consisting the following words “Can’t. Waste. Weekend”. We get it.

Never fear Nimble readers, we’ve got your solution. We asked around, scoured the web and talked to the experts on the best (and cheapest) places to go over a long weekend.

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Sunshine Coast

We know, the Sunshine Coast is the been there done that of Queensland. But trust us, the old money/everything shuts at 4pm vibe is but a thing of the past. From Mooloolaba to Noosa, there’s activities and nightlife a-plenty to suit a variety of palettes. The once desolate after seven streets of Maroochydore are alive with whisky and jazz bars, multi-cultural cuisines and multi-level nightclubs.

If early mornings and nature are more your scene, the mystically sounding Fairy Pools are the go. Hidden away in Noosa National Park, at the tip of the headland at the eastern end of Granite Bay lie two naturally occurring tide pools, and in our opinion, are worth 2,000 pictures.  According to this guide it will likely take you half the day and there is some rock scrambling involved (so please go at your own risk).

Of course, the most expensive part of a trip is usually the accommodation, so for folks of all kinds of budgets and styles of sleeping, our top picks include:

Camping: Noosa North Shore Camping: $23-$29 per night and Boreen Point campground: from $24

Airbnb: Private rooms in Maroochydore start at $80 per night, whereas entire homes begin at $120

Girraween National Park

The ancient boulders of Girraween National Park are nothing short of dramatic and that’s just the beginning of its natural wonders. Only a three-hour drive from Brisbane is an opportunity to switch off (literally, because there’s no phone reception) and be surrounded by prehistoric nature. Everyone is welcome too; whether you’re a family of five, an adventurous couple, or a bunch of mates looking to create memories. Girraween boasts hiking and walking trails for all levels of fitness, swimming holes and animals big and small. Best of all, it’s a super cheap getaway costing only $5.95pp per night. Score!

Newcastle

For reasons unbeknown, Newcastle gets overlooked as a holiday destination for the prettier sister of the Great Lakes district Forster, but hear us out: it actually has the best of all worlds. Beaches? Tick. Thriving arts scene? Tick. Café culture? Tick. Interesting convict history? Double tick.

Visit Newcastle has some cool itineraries for day-trippers and long weekend stayers. We recommend staying a few days to explore the hinterland, the history and of course, sneak in a few waves at Mereweather Beach.

Newcastle may have the potential to blow a budget, so we recommend going for an Airbnb (starting at $75 per night for a private room) or pitching a tent (starting at $25 per night).

Camping at Pebbly Beach

By the time Easter rolls around, Sydney is getting pretty cold. So if you’re hoping to grasp on to the last of the warm weather, pitching a tent at Pebbly Beach could be your final homage to the sun – for this year at least!

For those who aren’t sold on the idea of messing around with poles and pegs, Pebbly Beach offers primitive shacks for $125.

So what do you do at Pebbly Beach? Well what anyone would do really – swim, read, bird watch, relax, walk, nap… more napping.

Wilsons Prom National Park

Photographers and Instagram warriors: Wilsons Prom was simply created for you and your snapping fingers. It has it all. Soft, whitewashed beaches, whimsical rainforests, striking mountains and offshore islands – all across 50,000 hectares. If you’re hoping to get amongst nature over the long weekend and be Cheryl Strayed (she was the lady who did the whole ‘Wild’ thing – yep, the Reese Witherspoon movie) for a night, The Prom offers plenty of hikes, both day and overnight, starting from Tidal River.

If you’re looking for the perfect balance of comfort and budget, The Prom has the opportunity to camp, caravan, or stay in a cabin or hut.  

 

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 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.