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9 Toys That Kids Actually Want For Christmas in 2018

Remember when you were a kid and your aunty or uncle got you the ‘wrong’ present? Sometimes it was a t-shirt from a TV-show that was only cool two years ago, or maybe it was a figurine that looked a bit like a Power Ranger (but totally wasn’t a Power Ranger).

We all remember having to thank them with a fake smile, all the while regretting a precious Christmas present wasted.

You don’t want that to be you! Your heart breaking slightly as you realise they don’t like the present, and you’ve potentially lost your title as ‘the favourite’.

But now you’re a grown-up you realise how hard it is. What are kids even into these days? Do they still like fidget spinners? Who can keep up with this stuff? It all moves so fast! Christmas presents for kids is tough!

Well stress-less, we’ve got you sorted. We’ve done some digging and have listed out the top 9 Christmas presents that kids actually want in 2018. Follow this guide, and you’re sure to see those genuine pearly white smiles when they rip open the wrapping paper this festive season.

 

Harry Potter Hogwarts Express LEGO set

Price: $139.99

Ages: 8-14

The Harry Potter range was released in July this year, so this is the first Christmas where the toy combination of two of the world’s biggest franchises will be sitting under Christmas trees, and our advice is to GET IN EARLY.

Already the LEGO website has a one set per customer limit on the Hogwarts Express set, you can also pick up a range of other Potter-verse LEGOs like the Whomping Willow, the Hogwarts Great Hall or even the whole Hogwarts castle ($649.99)!


Monopoly: Fortnite Edition Board Game

Price: $77.99

Ages: 8+

You’ve got to give it to Monopoly. Their business model is to make the same game over and over again, with only small changes, and somehow it works! At over 3,000 different variants to date, Hasbro’s profits from Monopoly keep on growing!

Our prediction for the most popular new variant on kids’ wish lists this Christmas is the brand new Fornite version. It was the top selling board game on Amazon during the Black Friday sales and we don’t see any reason that this will change this December.

It is one of the rare Monopoly variants where the rules aren’t exactly the same as the original. You receive health bars instead of money, acquire properties automatically if you land on them and players roll one ‘action’ die that gives a player certain abilities. It is also a LOT shorter to play than regular Monopoly, which is great news for most of us.

Another shout out goes to the Monopoly Cheater’s edition, which is a version of the game that officially sanctions all the rule-bending, sneaky tricks and outright cheating that has gone on since the first Monopoly boards were sold in 1935.

 

Poopsie Slime Surprise Unicorn

Price: $79

Ages: 5+

In a year dominated by massive trends from Bitcoin to fidget-spinners, it might be a surprise to learn that four of the top-ten ‘how-to’ Google searches in Australia were about slime. Apparently, kids LOVE slime.

So don’t be surprised if this sassy unicorn that poops rainbow slime is one of the hottest items this festive season.

There are four different unicorn ‘characters’, and as with a few of the other toys on this list, you won’t know which one you’ve got until the little one unwraps it on Christmas Day. The packaging promises 20+ magic surprises which range from accessories for the unicorn, like brushes and clothing.

But the main selling point of this present is, of course, the making of the slime! Trust us, this one is going to be a sure-fire hit!

 

furReal Munchin’ Rex

Price: $79

Ages: 4+

We know it is only just December, but this one is so popular a lot of retailers are already sold out online, so searching one out might need to be your Christmas mission.

Dinosaurs have always been popular with kids, and the FurReal Munchin’ Rex is no exception. It’s a robotic baby dinosaur that has over 35 different sound and motion combinations based on how your kids interact with them, a lot of them based on feeding him his different ‘snacks’.

Expect to see a whole lot of them around after December 25th and, as we mentioned, start looking now so your kid doesn’t miss out.

 

L.O.L. Big Surprise

Price: $89

Ages: 3+

The surprise Christmas present smash hit of 2017 was the L.O.L. Big Surprise and with 10 extra surprises in the 2018 version it is sure to be just as B.I.G! If you’re unfamiliar with it, it plays on the online trend of ‘unboxing’ videos and brings it to the world of kid’s toys.

The key factor: you don’t know exactly what you’re buying. You get a big sparkly case that contains 60 smaller surprises that all need to be opened individually. It’s like 60 presents for your kids inside one!

Most of the surprises are clothes and accessories for the L.O.L dolls that come in the middle of the packaging, but there are a bunch of extras for your kids to work out (like text that can only be seen with a special magnifying glass) making the unwrapping experience even more exciting.

Hatchimals Hatchibabies

Price: $79-$59

Ages: 5+

Another ‘mystery’ present, Hatchimals Hatchibabies is the toy that unwraps itself.

The Hatchimal’s brand was first launched in October 2016, and the demand was crazy, leading it to be designated the ‘hottest’ toy of that year, and the craze isn’t showing much sign of slowing down.

The toy comes as an egg and when it is activated the baby Hatchimal ‘hatches’ its way out.

You can get a whole bunch of different Hatchimals from a ‘Chipadee’ to a ‘Cheetree’ to a ‘Ponette’, or if you are adventurous, you could buy a Mystery Egg to really heighten the suspense.

 

The Original Tamagotchi

Price:$29

Ages: 8+

A blast from the past, the original Tamagotchi is back!

Bandai America, The American arm of the company that first thought up the digital pet released a new updated version of Tamagotchi last year, but it did not go over that well. According to the company’s marketing director as soon as the new version was released, fans began clamouring for the original.

So they did (with a few extra features).

Granted there are probably going to be just as many nostalgic adults as there are young ones excited about unwrapping a Tamagotchi from under the tree this season, they are still expected to be a hot seller this Christmas across the board.

 

Star Wars Ultimate Co-Pilot Chewie

Price: $280

Ages: 4+

The new Disney Star Wars movies have introduced the characters from a galaxy far, far away to a whole new generation of kids, and as a result, there is a whole new generation of high-tech Star Wars toys out there.

The pick of this Christmas season is Hasbro’s Ultimate Co-Pilot Chewie. Chewbacca has always been a franchise favourite, so this should probably not be too much of a surprise.

Like many of the ‘Fur-real’ toy range, Chewie has a variety of different actions and sounds that can be unlocked by different actions from scratching his head to playing him music.

 

Fingerlings Untamed Dinosaur

Price: $20

Ages: 5+

Fingerlings were one of the breakthrough toy hits in 2017. They are little interactive monkeys that sit on your kid’s finger and respond to a range of different words, noises and actions.

Well, it’s hardly surprising that the folks responsible for Fingerlings over at WowWee didn’t stop at monkeys. Following Fingerling Unicorns, Australia now gets the Fingerling Untamed Dinosaurs.

As could be expected the Dinosaurs are a little more growly and chompy than their furry predecessors but they are just as cute in their own way and are expected to be just as popular.

 

Have we missed any hot Christmas toys for 2018? Let us know in the comments below! And don’t forget, if you’re looking to spread the cost of your Christmas gift expenses, Nimble can help with simple, stress free loans up to $5,000.

 

You should read this bit: Sometimes we use links in our blogs that 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 our blog posts. The information in our blog posts 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 7 best second-hand, hidden treasures of all time

Every serious bargain-hunter has a story or two about an amazing op shop or garage sale find. From dollar-rack designer clothing to a full kitchen set at a fraction of the normal price!

Sorting through endless rows of preloved jackets or digging through boxes of household goods in search of hidden treasures is part of the thrill of second-hand shopping. When you find something great, it doesn’t just feel like you’re buying something. It feels like an achievement.

At Nimble, this got us wondering: what are the greatest vintage hidden treasure finds of all time?

So we scoured the net and came up with seven of the savviest scores from around the globe. Strap yourself in for some blockbuster bargains!

A True Master – A bit of sporting history for $5

The Masters, a prestigious golf tournament held in Augusta Georgia, rewards its annual winner with cash and the iconic green jacket. While I’m sure most winners have their jacket mounted somewhere in a trophy room, in 1994 one was found at a Toronto thrift store and purchased for the hefty sum of $5.00!

Quick question, who’s paid more than that for their morning coffee?

The jacket was sold at auction in 2017 for just over $139k. An op shop master without a doubt!

END RESULT:

 

Fancy a cuppa? A historical artifact for just $4

One lucky and local Sydneysider took a chance on an interesting looking carved cup they found in a local op shop. It had a little chip on one of the ends, but the anonymous buyer still thought it looked interesting enough to hand over $4. As it turns out the cup was carved from a Rhinoceros’ horn, making it worth a LOT more.

Called a libation cup, the 17th-century Chinese relic was quite the find. It was purchased for two gold coins and sold in 2013 for $75k. Would you have dished out the dough for this little cup?

END RESULT:

 

We declare this an incredible find! The rarest of documents for $4

A man shopping for some old artwork got more than he bargained for at a flea market in Pennsylvania. He purchased a framed artwork, unbelievably not even for the actual picture, but for the unique frame. However, upon trying to remove the frame from the canvas, it fell apart and revealed a folded piece of paper hidden inside.

The piece of paper as it turned out, was a genuine copy of the Declaration of Independence (a document so famous it’s in a movie with Nicolas Cage!)

via GIPHY

With only 500 known to be created and less than 30 known to be in existence, this lucky lad turned his 4 dollar purchase into $2.42 million at an auction in 1991.

What could be hidden behind the frames at your local op shop?

END RESULT:

 

The unicorn of Nintendo games

Bandai’s Stadium Events could be the rarest Nintendo Entertainment System (NES) game of all time.

It was released for a brief time before being recalled and then replaced by a similar game World Class Track Meet. You might wonder what’s so exciting about an old video game no one wanted to play? Well, few copies are known to exist and depending on the condition they can fetch upwards of $40k.

One copy was found and purchased by a lucky bargain hunter at a North Carolina thrift shop for $7.99. The shopper who couldn’t believe what she was seeing, quickly snatched up the coveted title without even letting the cashier take it out of her hands to scan it up!

She managed to find a buyer for $20K. And just think of how many times our parents told us that  “games were a waste of money!”

END RESULT:

 

A picture is worth more than a thousand words (much more)

Even if you don’t know a lot about art, you’ve probably heard about a guy called Picasso, right?

One shrewd gentleman in Ohio bought a print in an op shop when he spotted what looked like Picasso’s signature in the corner. The print, which was promoting an art show of Picasso’s work was purchased for $14.14.

Not long after making his find public, a private collector purchased the unverified piece for $7k. While there is some debate if it is really Pablo’s work or not, no one can argue with turning $14 into 7 thousand!

END RESULT:

Time is a valuable thing

We’ve all seen the classic bin of watches in our local op shop. They’re usually filled with cheap quartz watches that are scratched up with missing parts and generally not worth looking at.

Well, next time you spot one it might be worth a second look. One lucky punter in an Arizona thrift shop, took the time (get it?) to look through the watch pile and was rewarded big time.

He found a one of a kind model of a rare brand: the Lecoultre Deep Sea Alarm Automatic. Sounds alright, huh? Well, what’s even more impressive was he was able to turn his $5.99 find into $35k.

We can all agree he must have had a great time (wink) and has given us all something to watch (last one we promise) out for.

END RESULT:

 

A big bowl of cash for three bucks

This one is special because the bowl is pretty underwhelming to look at…wouldn’t you agree?

 

Would you give that a second look if you saw it sitting on the shelf?

Well, a New York family who purchased the bowl at a garage sale risked their $3 dollars on a hunch. After having the bowl reviewed by experts, it was found they had picked up an extremely rare piece of Chinese history.

From the Ding dynasty, the bowl was over a thousand years old, and the only other similar piece known in existence is in a museum. Initially, the bowl was expected to sell for $200-300k but surprised everyone when it sold for $2.2 million.

3 dollars into $2.2 million, on a little bowl, now THAT is crazy.

END RESULT:

And there you have it! Nimble’s 7 most valuable second-hand discoveries. Do you know of any we’ve missed? Or maybe you’ve made one of your own? Either way, drop us a line in the comments below!

 

You should read this bit: Sometimes we use links in our blogs that 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 our blog posts. The information in our blog posts 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.

Winter Warmer Recipe Competition Terms & Conditions

  1. Information on how to enter and prize details form part of these terms and conditions. By entering this promotion you are deemed to have accepted these terms and conditions.
  2. This promotion is being run by Nimble Australia Pty Ltd (ACN 135 501 807) of 12-14 Marine Parade Southport QLD 4215 (Nimble, we, us or our).
  3. The promotion starts on 10am AEST on Monday, 30 July 2018. Entries will close at 11:59pm AEST on Friday, 3 August, 2018 (Promotion Period), (collectively, the Promotion).

Who can enter?

  1. Entry into the Promotion is only open to Australian residents, 18 years and over, who have an active Facebook account (Eligible Entrants), excluding directors, management, agents, employees (and their immediate families) of Nimble.
  2. To enter, Eligible Entrants must during the Promotion Period:
    1. follow and like Nimble on Facebook and like Nimble’s “Winter Warmer Recipe” post from 30 July 2018; 10am.
    2. post a recipe on that post of your most creative and innovative Winter recipe with ingredients and name of recipe;
    3. post the following hashtag with your photo comment: #NimbleWinterWarmer
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Prizes and Judging

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  2. There are 4 prizes  to be won.
  3. Each winner will receive one $250 Coles Myer Gift Voucher(Prize).
  4. Judging of all eligible entries will take place on 3 August, 2018 at 12-14 Marine Parade, Southport QLD 4215. Our decision is final.
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General

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  7. We exclude all warranties in relation to the suitability or merchantability of a prize, except those that cannot be excluded by law. To the fullest extent permitted by law, any liability of Nimble or our employees or agents for breach of any rights a consumer may have which are unable to be excluded under Australian Law, is limited to the payment of the costs of having the prize supplied again.
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for future marketing purposes in any media, including contacting you after this promotion ends, in the terms set out in our Privacy Policy available at  https://nimble.com.au/about-us/privacy-policy/ . If you would like to access or correct the personal information that we hold about you, you can contact us at customercare@nimble.com.au.

7 Super Simple Steps to Better Health & Wellbeing

Most of us would like to have a healthier lifestyle, but when we’re all so busy, prioritising yourself over everything else isn’t as easy as it seems.

A 2017 survey by Livelighter showed that tons of Australians want to be healthier but so many of us still fall short of the mark. The main reason? Let’s face it… doing everything ‘right’ can be a drag, and most of the time life just seems to get in the way.

But a healthy lifestyle doesn’t have to be a huge disruption on your routine. Here at Nimble, we’re giving you the low-down on 7 super simple things we can all start doing right NOW to improve our health and wellbeing.

 

Sleep isn’t optional, so get the ZZZ’s you need

Experts recommend that the average adult should get between 7 – 8 hours of sleep per night (and no, watching Netflix in bed doesn’t count). It’s time to wake up to the realisation that most of us probably don’t get enough.

Getting the right amount of sleep affects your metabolism, memory and of course, how much energy you have throughout the day. As an added bonus, it also means you’ll get sick less often and have reduced risk of health problems like diabetes or heart disease. The importance and impact of sleep on our everyday lives can seriously not be overstated!

So stop scrolling through your social media, turn off the TV and when you get into bed, actually close your eyes and get some rest.

For ways to maximise your sleep routine, head on over to the Sleep Foundation.

 

Get some colour on your plate

Find it hard to keep track of what foods are and aren’t considered “healthy”?

You’re not alone. There is a big split between the type of foods the Australian public think are healthy and what the average nutritionist will say. And then the latest hot new diet comes along and makes it even more difficult to keep up.

Source: LiveLighter

Well, we’ve got a super quick trick for you that will help you eat well without having to memorise what hour of the day is best to eat carbs or how to activate the micronutrients in your broccoli.

All you have to do is eat a rainbow every day (cue confused looks).

Red, orange, yellow, green, blue, indigo and violet are the colours of the rainbow and the colours of a varied and healthy diet. We could bore you with the science of why nutrients and minerals give fruit and vegetables their different colours, but all you really need to know is that eating a colourful palette works!

One catch: the colours have to be natural..like carrots, bananas, oranges, apples, corn, etc. So before you think that Skittles can help you ‘taste the rainbow’, let us be the first to tell you that it CAN’T!

 

Breathe your way to better health

Take a breath. In through the nose and out through the mouth. Well done, you’re already on your way to a healthier you.

You breathe every day but how often do you actually think about it? Seriously, take another breath, a nice long deep one, feel your chest fill up, hold it, then exhale slowly.

Breathing can do more for you than just keep you alive. Deep conscious breath can reduce stress, and even provide feelings of euphoria. It’s like doing yoga without the time commitment and sweaty floor mats.

Find more breathing for relaxation techniques here.

 

Get moving any way you can

OK, now we’re going to talk about exercise. If that makes you anxious, take a moment to breathe. Feel better? You’re welcome.

The big hurdle most people face when trying to be more active is thinking they need to go straight from couch-potato to gym-junkie. There are no rules when it comes to being more active other than ‘doing something is better than doing nothing’.

Maybe you go to the gym, and that’s great, but the point is to set yourself a goal no matter how small. It could be taking the stairs instead of the lift, or doing 10 push-ups when you wake up in the morning. Whatever small step you choose, just know you are taking one in the right direction.

 

Head up, shoulders back

Hey! Sit up straight, we see you hunching! And no, we don’t have to be peering through your window to know this because slouching is something most of us do, MOST of the time!

If this feels uncomfortable, that’s your body’s way of telling you that your posture could be better.

So straighten up, get your shoulders over your hips, improve your circulation and breathing, and look taller. Pop a little sticky note on your computer to remind yourself. After a few weeks, you’ll wonder how you ever used to sit so curled over.

 

Catch some rays on a daily basis

The sun gives us many things, life, warmth, light – but also vitamin D.

While being sun smart is extremely important, getting some sun can also help boost your vitamin D levels which is surprisingly a common deficiency in Australia. Vitamin D deficiency has been linked to heart disease, depression, and weight gain.

So pop on your sunscreen and a hat and get a bit of sun! Even go for a walk to combine getting your vitamin D and exercise in the same activity (look at you, you little multitasker!).

Getting and staying healthy is a lifelong goal, and the best time to start was yesterday! There’s no need to focus on having washboard abs or a booty like J-Lo, and feeling like you’re failing if you don’t get there. Just focus on being healthier than you were last month. Got any other simple tips, drop us a comment below.

 

You should read this bit: Sometimes we use links in our blogs that 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 our blog posts. The information in our blog posts 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.

7 Quick ‘Real Work Lunch Ideas’ That You’ll Actually Make

Look up ‘work lunch ideas’ on Google and you’ll find page after page of delicious looking lunches that anyone would be happy to tuck into on their lunch break.

The problem is they’re often time-consuming, expensive and call for ingredients you don’t usually buy and leave wasting in the fridge. We don’t all have time to be Heston, Gordon or Jamie, especially first thing in the morning.

That is why we’ve put together a list of 6 real work lunch ideas (not one-off recipes). These ideas are all versatile options that anyone can use to make quick, easy and flexible meals that are also delicious and nutritious.

 

  1. The Flexible Lunch Bowl

By far one of the easiest and most versatile lunch options because it can made with almost anything.

You just need four basic components:

  1. The base – the main component of the dish, usually some type of green leaves or grains (roast potato also works)
  2. The protein – which makes sure your lunch bowl is more than just a snack (egg, canned tuna, leftover meat or lentils)
  3. The trimmings – all the extra flavour and variety that makes it a different meal every time (anything you have kicking around your fridge: feta, herbs, raw veggies, nuts and seeds)
  4. The dressing – more on that below.

The flexible lunch bowl fits the bill for our real work lunch ideas because you can use what you already have on hand, ensuring no waste. Lunch bowls are also delicious cold which makes them hassle-free and can be changed every day so we’ll never get sick of the same thing.

Some easy recipes to start with:

 

  1. The All-Purpose Avocado

The humble avocado is the grab-and-go ingredient that is the ultimate starter for a range of real work lunch ideas. Throw an avocado in your lunch bag in the morning and most of the hard work is done.

It only takes a couple more ingredients to make a filling and delicious meal at work. You can mash it onto dry biscuits, cut into cubes to have with steamed rice and a bit of soy sauce, or simply halve and enjoy with a lemon vinaigrette.

For those of us that need a bit more, you can make the all-purpose avocado go even further putting together simple salads, sandwiches and wraps.

For the true blue avo’ lovers, an avocado almost makes a meal by itself. Tuck into it with a spoon and follow up with a couple of boiled eggs, cut veggies and a handful of nuts.

Get busy with avocados:

 

  1. The Reliable Boiled Egg

A boiled egg, is cheap, easy to make and delivers a punch of protein. This means it can be a strong base for many real work lunch ideas.

Like the ‘all-purpose avocado’, the boiled egg requires very few extra ingredients to make an easy lunch. You can use it to enhance a sad looking salad, fill out a thin sandwich or tie together a mismatch of leftovers into one very delicious meal.

Pro tip: If you like your boiled eggs by themselves, try rolling them in dukkah or smearing with your favourite condiments.

More ideas for your reliable boiled egg lunch

 

  1. The Killer Salad Dressing

This one is not a real work lunch Idea in itself, but it opens the door to so many great ones that it’s worth including on our list.

Learning how to make a killer salad dressing is a simple way to add flavour to your lunch.

And it isn’t as hard as you might think. Don’t bother memorising specific dressing recipes, just learn the basic components of a dressing and experiment.

Ingredients will fall into four basic categories:

  1. The oil – helps the dressing cling to the ingredients of the salad. Any oil can be used.
  2. The acid – gives dressings their sharp distinctive taste. Usually a vinegar or citrus juice.
  3. The binders – elements that help the oils combine with the acid. Commonly mustards, mayonnaise and honey.
  4. Flavorings – non essential elements that can give your dressing a kick. Often things like: salt and pepper, garlic, onion, spices and herbs

Then all you have to do is mix until blended and you have a cheap and delicious flavour booster. Even a simple 3 ingredient salad tastes amazing with a killer salad dressing.

It is a skill that can extend past just salads. Adding a dressing is something you can do to your sandwiches, lunch bowls, roast potatoes and more.

Start simple: try one part lemon juice and three parts olive oil with a little salt and pepper to taste and experiment from there.

Get started:

 

  1. The Enhanced Work Sandwich

How good are sandwiches? Put something between two slices of bread and magic happens.

Unfortunately ‘work sandwiches’ aren’t always as exciting. A lot can go wrong with a sandwich, especially when it has to sit in a lunch bag for half a day, so most people play it safe with their fillings.

These tips for the enhanced work sandwich mean you can stop making compromises and start making better sandwiches:

  1. Start with good bread – a good foundation is essential. This will hold up better over the course of the day and and tastes delicious so you need less trimmings to satisfy your tastebuds.
  2. Sogginess – If you have wet ingredients in your sandwich, you need a barrier to stop your bread turning into a soggy mess. Delicious solutions include fats (like mayonnaise or butter) or solid ingredient barriers (like a lettuce leaf or a hard cheese)..
  3. Layer wisely – The closer to the bottom of a sandwich an ingredient is, the more directly it will hit your tastebuds. Put condiments below proteins and other dominate elements so you don’t have to chew to work the flavour through.
  4. Invest in sauces – speaking of condiments, they are the sort of thing that can make or break a sandwich. However, they also often have high sugar or acidic levels which can break down and ruin other ingredients. If possible stock up on a good range of favourites at work and put them on the sandwich right before you eat.
  5. Treat your ingredients with respect – don’t just stack it all in. Salt and pepper your tomatoes, fold your deli meat and dress any salad elements. This kind of care makes a massive difference.
  6. Avoid the fridge – depending on your fillings, this might make you nervous about the sandwich going bad, but putting a sandwich in the fridge is terrible for bread. Even when well wrapped it dries the bread and changes the structure of the starch to make it harder.

Check out this great article for great tips on how to wrap your sandwiches to make them easier to eat in any working environment.

 

  1. The Versatile Soba Noodle

Soba is a versatile Japanese noodle that can be used for just about anything including noodle salads, noodle soups and dipping in condiments. You can find it in the international aisle at all major supermarkets.

One of the best things about the soba, is that it’s delicious cold. Eating cold lunches makes them hassle-free and you don’t have to worry about how good it will taste when reheated.

On top of that, like the flexible lunch bowl, you can put whatever you want with your versatile soba noodle to create a delicious and fresh real work lunch every time you make it.

To really simplify things, make up a batch of soba at the start of the week, and use any leftover proteins, unused raw veggies, and other bits and pieces on hand to whip up a brand new dish.

Some easy recipes to start you off:

 

  1. The Reinvented Leftovers

Taking leftovers to work is a fine way to get through the working week. However, tastebud fatigue is a real issue! Re-inventing our leftovers into new meals keeps things interesting.

  • Leftover roast vegetables? Add eggs and cheese and you’ve got an easy frittata
  • Leftover steak? Slice it up thin and with some bread and mayo you’ve got a delicious steak sandwich
  • Bits and pieces here and there? Rice, egg and a bit of soy sauce can turn anything into fried rice.

Be creative. Approaching leftovers in this way, will not only add more variety, it will also make our food go further and our meals more workplace friendly.

Check out more leftover ideas here.

Have you got any great tips that help you plan hassle-free lunches for the working week on a budget? Let us know in the comment section below.

 

You should read this bit: 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.

Make extra cash online in 6 easy ways

Juggling your finances and setting enough aside for unexpected events can always be a bit tricky.

We all have responsibilities like rent, bills and food but life can’t be all work and no play either – we need to invest in ourselves sometimes and enjoy the fruits of our labour, because life’s too short to not enjoy the journey and have some fun along the way!

To help you find some balance, with some extra cash to enjoy those important moments, we’ve pulled together this list of simple ways to earn cash online in your spare time. You don’t need any special skills or qualifications, just a computer, or mobile device and an internet connection, with a bit of time to burn.

So, let’s get started…

1. Your Opinion Counts

Surveys are a great way to make extra cash online.

Loads of companies are willing to pay good money for your opinion. It helps them make better, well-informed decisions, so it’s a win-win all round.

Here’s how it works…

Market research has been around for a long time but when businesses can hear direct from their audience online it makes the process much quicker and saves on costs.

Companies can reach so many more people within their audience online and all they have to do is provide an incentive to get them participating.

That’s where you come in.

The websites below awards you points for every survey you complete and points can be exchanged for a variety of rewards, including the option to cash out via Paypal – you gotta love the sound of that!

Here’s a few websites you can check out now to register:

2. Watch, Watch, Watch, Watch, Watch..

Who doesn’t love chilling out and watching videos?

Instead of spending heaps of aimless time down that rabbit hole otherwise known as  ‘Recommended For You’ on YouTube or Netflix how about if you could get paid for your time and make some cash on the side?.

Here’s how it works..

There are websites out there that pay you to watch the display advertisements on their videos with a small percentage kick-back from that revenue in return.

This means you can’t make money watching just any online video but the websites below offer heaps of topics and categories to choose from.

Check out these websites to find out more:

3. Every search you make

Everytime you look for stuff online, you use a search engine.

The older generation use Bing, as it’s the default setting for Microsoft and standard on most computers, tech-heads who want to protect their search history use DuckDuckGo and just about everyone else uses Google.

If you don’t really care which search engine you use, you’ll be happy to know there are websites out there prepared to pay you for every search you make.

Here’s how it works..

Search engines make their money through paid ads which appear right on top of the page, above the regular results, when you search for any product or service.

There are websites out there who encourage you to use their search engines by giving a kick back on every search you make. You don’t even have to click on the ad and there’s no need to change your browsing habits at all – just search and earn.

Checkout these websites to learn more:

4. Boring Jobs = More $$$

Something that isn’t usually heaps of fun, but can be rewarding for the right person, is  completing repetitive and boring jobs.

If you’re not fussed about repetition and getting into the mind-numbing zone, just for a change, there’s a bunch of websites prepared to reward you with cash for what they call microtasking.

Here’s how it works..

Microtasking websites take large time-consuming projects from companies and break them down into small and very simple tasks. They then share the load with heaps of people wanting to assist online, with the aim of getting the job done faster.

Common examples include tagging photos with categories, organising data or finding contact information for lists of people. All tasks posted can be done in less than a couple of minutes and take no special skills to complete.

Doing a handful of tasks on your computer or smart phone whenever you have some spare time can easily earn you a few extra dollars. So between waiting in line for lunch and taking the train home, you can put aside a nice little stash of extra cash for some weekend fun!

Websites to check out:

5. Cash in Your Comments!

Imagine you run a forum for exchanging ideas or views on a particular product, service or area of interest.

You spend months getting the website designed and built, you’re all excited to launch your online community. Then the day comes around and…

… no one turns up to share anything of value.

This is where there is money to be made assisting websites that rely on user activity posting on their sites.

Here’s how it works..

Real user activity plays an important role in the online world. This has created a need where websites have popped up that sell ‘user activity’ as a service. To be able to sell ‘user activity’ these websites need a continuous stream of ‘users’.

You can easily apply to become one of these ‘users’ through a process that tests your language and communication skills. If you can write in fluent English with decent grammar and punctuation, you’re generally good to join.

Once accepted, you’ll receive notifications from websites needing comments, posts and even reviews, and you’ll get paid for each one you contribute to.

Check these websites out to find out more:

6. Pedantic People Get Paid!

Are you a bit of a perfectionist or do you simply like to find ways of improving systems and processes, and providing helpful feedback if something doesn’t work as well as it could?

Even if you’re just happy to share your thoughts on how easy a website is to navigate, that’s really all you need to start making a bit of cash-on-the-side online as a website tester.

Here’s how it works..

There are heaps of smart businesses who want feedback on everything and anything that can be improved on their website. The best way for them to get this feedback is to observe and learn from everyday users when visiting and using the site for the first time.

The fancy name for this is user-experience testing.

Most websites offering paid user-experience testing pay quite well (compared to the other tasks on this list). However, keep in mind, it may be a little harder to qualify and be accepted to participate.

Don’t let this scare you off though. ‘User-testing’ might sound like something you need technical skills for, but the whole point is that businesses want to find out if their website layout makes sense to everyone, not just the tech-savvy.

Here’s some websites you can checkout to learn more:

If you’ve come across any other great ways to make a bit of extra cash on the side and would like to share with the Nimble community, we’d love to hear from you!  Drop us a quick note in our comments section below.

 

You should read this bit: 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.

12 tactics to bust your grocery bill

Do you feel like every trip to the supermarket ends up costing more than you expected?

Grocery bills are the number one area you can save on in your weekly budgets. All it takes is a little bit of planning and some great habits to start feeding you and your family for much less.

So, here are our top 12 supermarket saving tactics to make it happen.

 

1) Meal Plan Around Sales Catalogues

By planning your meals you can quickly get a handle on your grocery budgets.

A fixed list of items helps you know exactly what you need to buy for the week and keeps your budget from blowing out.

Sounds easy enough, right… but you can also take it a step further by shopping to weekly sales catalogues.

Meal planning around the best deals can make a huge difference and as an added bonus, you’ll get to try a variety of different foods!

 

2) Buy Home Brands

When buying products with plain packaging you can feel like you’re skimping out, but in many cases, home-brand products actually come from the same factories as popular name brands.

But not all home-brand products measure up in quality. So how do you find the hidden gems?

Why not try this:

Every shop, make a point of picking up one new home-branded item. If you don’t like the taste, putting up with it for a week isn’t the end of the world and you can go back to your old-faithful name-brand. But if you can’t tell the difference, you’ve found one more way to save!

 

3) Don’t Shop When Everyone Else Does!

Shopping at peak times equals more and more money spent!

Why?

Because trying to work your trolley around seven shoppers with prams to get a couple cans of crushed tomatoes makes you rush and decision-making tends to suffer.

Studies show that the quietest days at the supermarket are Monday and Tuesday.

However, it is worth considering Wednesday for the weekly shop, despite the fact it’s a bit busier. This is the day when supermarkets kick-off their new weekly specials.

Great specials sell fast, and missing out will throw your meal planning completely out of whack, so don’t wait!!

 

4) Buy Small for the Little Ones

When you buy fruit, it makes sense that you are drawn to the biggest and juiciest pieces.

Choosing one big apple instead of two smaller ones means you pay for less of the stuff you throw out and get more of the juicy fruit.

But if you’re buying for packed lunches and snacks, one apple is generally enough, no matter how big or small it is.

Look for the smaller fruit and you’ll get more individual pieces for the exact same price.

 

5) Only Buy Discounted Items if You Actually Need Them

Specials tempt us but you should always ask: “Do I need this and would I buy this if it wasn’t on sale?”

If a deal doesn’t contribute to your weekly meal plan, it’s just a waste of money dressed up as savings.

 

6) Stock Up on Specials

Great specials on long-life products don’t mean much if you only buy enough for the next week or so. By the next time you visit the supermarket, the deal will be over and you’ll be back to paying full price.

So why not buy a couple months’ worth? You bump up the savings and all you sacrifice in the long run is a bit of pantry space.

 

7) Use Unit Pricing

By checking the unit price (price per unit of measure) you can compare what you are actually getting for your money ‘pound-for-pound’.

Packaging is often designed to make it seem like you’re getting more than you actually are – especially with the more expensive name-brands.

A study showed that shoppers who were educated about unit pricing saved an average of 17-18% on their weekly shop, so start comparing and saving today.

 

8) Never Shop on an Empty Stomach

Research shows that shopping when you’re hungry means you buy more, even when it comes to non-food items.

Our hunger tells our brain that you need to buy something, and it doesn’t really care what.

Everything looks more delicious when you’re hungry, so you should always shop well-fed.

 

9) Make Meals from Scratch

Pre-prepared meals from the supermarket can be tempting for their convenience but they are usually less healthy and always significantly more expensive.

Instead, cook easy-freeze meals in large batches and store in single size portions. After a hard day at work, pulling a homemade meal out of the freezer is just as satisfying as eating a store bought one.

 

10) Create Seasonal Recipes

Fruits and vegetables are cheaper when they’re in season.

  • Tomatoes can cost as little as $3 a kilo in January and as much as $7 in June.
  • Pink lady apples can be less than $2 a kilo in the winter but can spike above $4 in January
  • Depending on growing conditions lettuce has shown to increase in price by up to 500% in winter

Tailoring our meal plans to match produce that is currently in season is a natural and healthy way to save throughout the year.

 

11) Spot a Real Deal When You Know Where to Start!

Finding the best specials is a lot easier when you know what items usually cost.

Not every great deal is printed on a piece of yellow paper with big red capital letters.

While Coles and Woolworths rarely miss a chance to tell us when they’ve marked something down, the independents can have a less structured approach to pricing and if you’re not across normal pricing you can miss out on some great savings.

 

12) Shop Alone To Save

The tips above are great, but you will never nail them all unless you shop alone.

Whilst it might be fun to shop with your friends, it’s a surefire way to spend up a storm.

As soon as you add another person things get complicated. They will have different ideas of what ‘important purchases’ are. Even if you’re both trying to be frugal, it won’t be long until there are things in the trolley that weren’t on the list.

And that’s the first warning sign of ‘budget creep’.

 

Do you have any other great tips on how to get the most out of your weekly supermarket budget? We’d love to hear about them in the comment section below.

 

You should read this bit: 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.

Terms and Conditions – Nimble’s Halloween Giveaway

“Nimble’s Halloween Giveaway”

Information on how to enter and prize details form part of these terms and conditions. By entering this promotion you are deemed to have accepted these terms and conditions.

This promotion is being run by Nimble Australia Pty Ltd (ACN 135 501 807, Australian Credit Licence Number 386010) (Nimble, we, us or our).

Nimble’s Halloween Giveaway starts at 8:00am AEST on Friday 27 October, 2017. Entries will close at 11:59pm AEST on Wednesday 1 November, 2017 (Promotion Period), (collectively, the Promotion).

How To Enter

Entry into the Promotion is only open to Australian residents, 18 years and over, who have an active Facebook account (Eligible Entrants), excluding directors, management, agents, employees (and their immediate families) of Nimble.

To enter the Promotion  and go in the draw to win a $500 Coles Myer Voucher, you must:

  • Like the Nimble Australia Facebook page
  • Like Nimbles ‘Trick or Treat’ post
  • Post a photo comment on that post of yourself in the most wickedly creative halloween costume
  • Post the following hashtag with your photo comment: #NimbleTrickorTreat

Eligible Entrants can only enter the promotion once. Multiple entries are not permitted.

Determining a Winner – Test of Skill

This is a test of skill only. There is no element of chance in determining the winners. There is one prize to be won.

The winner (Winner) will receive one (1) Coles Myer voucher with the value of AUD$500 (Prize).
Judging of all eligible entries will take place by Thursday 2 November, 2017 at Southport, Queensland. Our decision is final.

The Prize will be awarded to the Eligible Entrant judged to be the most creative and innovative. Nimble will reply to the Winner’s post within two (2) business days of the determination, requesting the Winner to private message Nimble the details of the address they would like the Prize to be sent to.
The Winner is responsible for ensuring that the contact details they provided are accurate and up to date. We take no responsibility for inaccurate or incomplete details.
If the Prize remains unclaimed after fourteen (14) days of us notifying the Winner, or a Winner is disqualified in accordance with these terms and conditions, the Prize will be forfeited and distributed at our discretion.

If at any time Nimble is of the opinion that the entrant has provided false details, or otherwise entered this competition fraudulently or posted a photo which is not their own, Nimble has absolute discretion to refuse the winning entry and has no obligation to provide reasons to the entrant for its decision to refuse the winning entry. In the event that this occurs, Nimble will redraw a winner.

Prize Conditions

You are only eligible to win one prize. We reserve the right to withdraw a prize if there are no Eligible Entrants to receive that prize.

A prize, or any unused portion of a prize, cannot be transferred, exchanged or redeemed for cash. All other expenses associated with the prize are the responsibility of the winner.

The Prize will be subject to the Coles Myer Gift Card Terms and Conditions.

No Responsibility For Emails or Facebook Private Messages

Nimble assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorised access to or alteration of any online competition entries, facebook private messenger or email communications.

Release

By entering this competition:

  • the entrant releases and holds harmless Nimble Australia Pty Ltd and its related entities and Facebook from any liability, damages, losses or injury resulting in whole or in part from the entrant’s participation in this competition; and
  • the entrant acknowledges the competition is no way sponsored, endorsed or administered by, or associated with Facebook.

General

We reserve the right, at any time, to verify the validity of entries and Eligible Entrants (including an entrant’s identity and place of residence) and to disqualify any entrant who tampers with the entry process. Failure by us to enforce any of our rights at any stage does not constitute a waiver of those rights.

We are not liable for any prize that may be lost, stolen, forged or tampered with in any way after after it leaves our possession.

If we are unable to provide a winner with a prize (or part of a prize), we will supply an alternative prize (or that part of the prize) of greater or equal monetary value and/or specification.

If for reason, we are not able to conduct the promotion as planned, including due to tampering, unauthorised intervention, fraud, any technical difficulties or any other causes beyond our control, which corrupt or affect the administration, security, fairness, integrity or proper conduct of this promotion, we reserve the right in our sole discretion to take any action that may be available.

We exclude all warranties in relation to the suitability or merchantability of a prize, except those that cannot be excluded by law. To the fullest extent permitted by law, any liability of Nimble or our employees or agents for breach of any rights a consumer may have which are unable to be excluded under Australian Law, is limited to the payment of the costs of having the prize supplied again.

This Promotion is in no way sponsored, endorsed or administered by, or associated with Facebook.

By entering and participating, you agree to hold harmless, defend and indemnify Facebook from and against any and all claims, demands, liability, damages or causes of action (however named or described), losses, costs or expenses, with respect to or arising out of or related to:

  1. your participation in the Promotion; and
  2. your acceptance of the Prize and/or use or misuse of a Prize (including, without limitation, any property loss, damage, personal injury or death caused to any person(s)).

To the extent permitted by law, we are not liable for any loss (including indirect and consequential loss) or damage or personal injury suffered or sustained in connection with the promotion in the supply of goods or services by any person to the Winner, and where applicable to any persons accompanying the Winner. We accept no responsibility for any tax liabilities that may arise from winning the Prize.

Handling Your Information

Nimble will handle your personal information in accordance with the Privacy Act 1988 (Cth) and our Privacy Policy. By entering this competition, you consent to your personal information being collected, used and disclosed by Nimble or our related companies and other third parties in accordance with our Privacy Policy, including for marketing purposes. Nimble may also contact you by email from time to time with financial offers, products, services or other promotional offers that may be suitable to you.

Unsubscribing

If you prefer not to receive marketing information from us, you may opt out at any time by clicking on the unsubscribe link within the emails that Nimble sends you which will remove your email address from our email client database.

Contact

If you have any concerns or questions on how Nimble deals with your personal information, please feel free to email us at: customercare@nimble.com.au

Nimble Survey – Terms and Conditions

Nimble Survey – Terms and Conditions

  1. Information on how to enter and prize details form part of these terms and conditions. By entering this promotion you are deemed to have accepted these terms and conditions.
  2. This promotion is being run by Nimble Australia Pty Ltd (ACN 135 501 807) of Level 9, Seabank Centre, 12-14 Marine Parade Southport QLD 4215 (Nimble, we, us or our).
  3. The promotion starts on 12:00am AEST on 10 January 2017 . Entries will closeby 11:59pm AEST on 13 January 2017 (Promotion Period), (collectively, the Promotion).

Who can enter?

  1. Entry into the Promotion is only open to Australian resident, Nimble members, 18 years and over at the time of entry, who are personally invited by us , via email, to complete an online Nimble survey (Eligible Entrants), excluding directors, management, agents, employees (and their immediate families) of Nimble.
  2. Entry is only open to existing Nimble members who have successfully repaid all of their Nimble loans.
  3. Nimble members who are currently in default will not be eligible to enter this promotion at any time during the Promotion Period or at the time of the judging or any rejudging (as applicable).
  4. To enter, Eligible Entrants must during the Promotion Period complete the online Nimble survey (accessible by clicking on the link contained in the email). All of the survey questions must be completed including but not limited to the final question “If you were given $1m with only 24 hours to spend it, what would you buy?”
  5. Eligible Entrants will receive one entry into the promotion when, during the Promotion Period, they complete all survey questions and submit the entry online. Eligible Entrants can only enter the promotion once. Multiple entries are not permitted.

Prizes and Judging

  1. This is a game of skill only. There is no element of chance in determining the winners.
  2. There is one prize to be won.
  3. The winner will receive one Coles Group and Myer Gift Card with a value of AUD$500 (Prize).
  4. Judging of all eligible entries will take place within  seven (7) days after the end of the Promotion Period at 12-14 Marine Parade, Southport QLD 4215. Our decision is final and no correspondence will be entered into.
  5. The prize will be awarded to the Eligible Entrant judged to have the most creative entry.
  6. The winner will be contacted by email (using the details provided in the Promotion) within two (2) business days of the determination. The winner is responsible for ensuring that the contact details they provided are accurate and up to date. We take no responsibility for inaccurate or incomplete details.
  7. If a prize remains unclaimed after fourteen (14) days of of notifying the winner, or a winner is disqualified in accordance with these terms and conditions, the prize will be forfeited and distributed at our discretion.
  8. Coles Group Limited and Myer Pty Ltd and each of their related bodies corporate i are not  affiliated with Nimble and in no way sponsor or endorse this competition.

 

Prize Conditions

  1. You are only eligible to win one prize. We reserve the right to withdraw a prize if there are no Eligible Entrants to receive that prize.
  2. A prize, or any unused portion of a prize, cannot be transferred, exchanged or redeemed for cash. All other expenses associated with the prize are the responsibility of the winner.
  3. The Prize will be subject to the Coles Group & Myer Gift Card Terms of Use.

General

  1. We reserve the right, at any time, to verify the validity of entries and Eligible Entrants (including an entrant’s identity, age, place of residence and loan or application status with Nimble) and to disqualify any entrant who tampers with the entry process. Failure by us to enforce any of our rights at any stage does not constitute a waiver of those rights.
  2. We are not responsible for any technical malfunction of any communications network or any late, lost, incorrectly submitted, delayed, ineligible, incomplete, corrupted or misdirected entry whether due to error, transmission interruption or otherwise. The time of entry will be deemed to be the time the entry is received by us.
  3. We are not liable for any prize that may be lost, stolen, forged or tampered with in any way after it leaves our possession.
  4. We are not responsible for any variation in the value of a prize.
  5. If we are unable to provide a winner with a prize (or part of a prize), we will supply an alternative prize (or that part of the prize) of greater or equal monetary value and/or specification.
  6. If for any reason, we are not able to conduct the promotion as planned, including due to tampering, unauthorised intervention, fraud, any technical difficulties or any other causes beyond our control, which corrupt or affect the administration, security, fairness, integrity or proper conduct of this promotion, we reserve the right in our sole discretion to take an action that may be available.
  7. We exclude all warranties in relation to the suitability or merchantability of a prize, except those that cannot be excluded by law. To the fullest extent permitted by law, any liability of Nimble or our employees or agents for breach of any rights a consumer may have which are unable to be excluded under Australian Law, is limited to the payment of the costs of having the prize supplied again.
  8. This promotion is in no way sponsored, endorsed or administered by, or associated with Coles Group Limited or Myer Pty Ltd and each of their related bodies corporate. Entrants understand that they are providing their information to us and not to Coles or Myer.
  9. To the extent permitted by law, we are not liable for any loss (including indirect and consequential loss) or damage or personal injury suffered or sustained in connection with the promotion in the supply of goods or services by any person to the prize winners, and where applicable to any persons accompanying the prize winners. We accept no responsibility for any tax liabilities that may arise from winning the prize.

Privacy

  1. We will handle your personal information (including any sensitive information which you may provide) in accordance with our obligations under the Privacy Act 1988 (Cth) and our Privacy Policy.
  2. If you provide sensitive information to us in the survey the subject of this promotion, you:
    1. acknowledge that the information is reasonably necessary for one or more of Nimble’s functions or activities; and
    2. consent to the collection, holding, use and disclosure of the sensitive information in accordance with our Privacy Policy.
  3. By entering this promotion, you agree that we may use the information we collect from you:
  1. to conduct this promotion, including determining and notifying the winners and disclosing that information to prize suppliers;
  2. to use for market research purposes and to disclose that information to third parties for the purposes of market research; and
  3. for future marketing purposes in any media, including contacting you after this promotion ends, in the terms set out in our Privacy Policy available at  https://nimble.com.au/about-us/privacy-policy/ . If you would like to access or correct the personal information that we hold about you, you can contact us at CustomerCare@nimble.com.au.

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.

Walking it out – Nimble takes on Steptember

Do you dig walking cliches? Then this post is for you…

The who:

The Nimble crew took to the streets recently to help a cause close to our hearts.

The what:

We had three Nimble teams pounding the pavement in the 2015 Steptember challenge, raising a total of $824.26 by walking 10,000 steps a day from 2 – 29 September.

The why:

The challenge is focused on raising awareness and funds for the Cerebral Palsy Alliance (as well as improving our cardio fitness, hello summer!).

As part of our Random Acts of Nimbleness, the business matched that of our step-happy teams, bringing the total up to $1,648.52.

Huge congrats to our awesome team mates who stepped up.

 

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.