Australia

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 for your dinner ideas for the week or 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. Still looking for more ideas? Check out this blog post for some great holiday activities for kids.  

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]!

Working with Millennials

Millennials are set to be the most dominant force in the workplace.

 

Not only that, but they’re going to reshape the work world, according to this PwC report on the matter.

 

It’s no wonder, with the advancement of technology and industry pathways now available to young adults entering the workforce.

 

But does that mean that all offices will have ping pong tables and beanbags (even though they are really fun and we regularly enjoy using them here at Nimble)?

 

For starters, Millennials approach work and life in a completely different way to the generations that came before. Where Baby Boomers and Gen Xers look at their career path with a ‘in it for life’ set of eyes, Gen Y and Millennials are open to exploring new industries, jobs and countries at a rapid rate.

 

This CNN article reports that if you’re under the age of 32, chances are you’ve had at least four job changes up to that point (which equates to about one change every three years).

 

Heck that’s a lot of CV updating!

crew-88121

 

So what do businesses have to become to retain good Millennial employees (and employees in general)?

 

Look, we reckon Millennials are given a hard time by older generations (and the media). Despite the growing list of demands a Millennial employee might have before starting a new job, there’s some pretty good pay-offs

 

  • Millennials need to do meaningful work. Yes, we know that sounds like a cop-out, but for a lot of new businesses (startups as we affectionately call them) they’re focused on bringing about change. This is probably why startups are a such a prominent hub for millennial workers.

 

  • The culture of a business will be the defining factor if they want to attract good employees whose values align with the business. And the good employees will want to do work with purpose.

 

  • Another important aspect is learning on the job. Engaged and enlightened employees are constantly looking for new ways to do things, to pick up different skills and to be soaking up new and relevant information that will not only develop them professionally, but also personally.

 

  • Millennials reject strict corporate silos. They want regular and transparent communication and feedback. They want diversity in their work. They want to be able to ask questions. This kind of analytical and inquisitive work behaviour is vital to changing policies and entering new markets.

 

Here’s the crux of it: they value an employer brand just as much as a consumer brand.

 

Embracing the digital

 

Yep, one of the reasons Millennials are proving to be so powerful is their affinity with tech. They don’t know what it was like waiting for dial up internet in 2004. They don’t know what it was like living with a Nokia 3310 (or they might, seeing as those phones never die. Also they’re making a comeback – see here). They have always had Google to fall back on when they couldn’t answer a question. That’s pretty incredible – and powerful – stuff.

 

It means that they have a better grasp on business tools than their predecessors and as such, their behaviour does differ slightly, too.

 

With digital comes the fast-paced and constantly evolving environment, which also means that millennials will most likely be equipped with the agile nature of a generation who is used to this landscape of change.

 

And that’s good news for business.

 

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.

Control yourself – ways to hold back at the Boxing Day sales

Here’s a little truth bomb that will have you questioning everything you’ve ever believed in:

Buying things on sale is an awful way to save.

Boom.

It’s crazy to think that Australians spend around $2 billion a year during the Boxing Day sales. It’s great for the economy, but is it great for your pockets?

Christmas baking

While some people claim that it’s more the experience of shopping with family and friends they enjoy, there’s no denying that waiting out the front of a store from 7pm on Christmas Day sounds a little bit drastic.

Sure, it makes sense to compare prices and sniff out the best deal if you were already in the market for a new TV or work clothes. But bargain hunting for the sake of accumulating ‘stuff’ probably isn’t the best savings strategy.

Here’s how you can avoid being left in a house full of things (including a gigantic credit card bill) following the festive season:

1. Look, don’t be waiting in line for 12 hours just to get into a shopping centre. That’s just silly. By the time you actually get let into the centre you’ll be so tired you: a.) won’t want to try things on before purchasing, b.) you’ll come home with things you didn’t even want because they were the first things you laid your eyes on and c.) be so cranky in your half-asleep state you won’t enjoy the experience.

2. Avoid ‘buying for the future’. Yeah, there’s things you’ll undoubtedly need in the future (hello toilet paper), but buying a full length trench coat on the off chance it snows in Queensland (not to mention it was 50% off) probably isn’t the smartest move.

3. Bring along a trusted adviser (a friend or family member who has a logical sense when it comes to shopping). Entrust them with your wallet if you feel like you could go all real housewife on the sales tables. That way, you’ll have to put up a pretty good business case to swap dollars for goods. Stocksy_txp808727fdFOj000_Small_464960 (1)

4. Buy online! Buying the things you need online means that you can see how much you’re spending in one hit. Plus you have the added ability to remove things from your shopping trolley at the last minute without dumping them on the cash register. Make sure you don’t get sucked into the ‘spend over $50 to get free shipping’ thing either. Plus it’s a great way to avoid black eyes and stampedes on December 26. 

5. So you thought your list-making duties were over for the year? You thought wrong, friend! If you need a few things from the Boxing Day sales, make a list and stick to it! Seems like a no-brainer, right?

 

Quick heads up: the above links belong to a variety of websites and not Nimble, so clicking on, and using them, will take you away from Nimble’s website meaning we’ve got no control or responsibility over the content.

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

(1) Source: The Australian, 26 December 2014, http://www.theaustralian.com.au/news/latest-news/boxing-day-sales-to-top-2bn-retailers/news-story/3e45c65da96b621239d97694ae2cf243

Larger loans, longer schedules.

Need a bigger loan?

Woo hoo! We’ve got some awesome news to start your week…

You might notice some pretty radical changes ‘round here.

Actually, people have been asking for them for a while now, so we sat up, took notice and knuckled down to bring them to you.

So without further ado, here they are…

Firstly, now you can request up to $5,000*.

If the money is for something bigger, like booking your next overseas trip, it could come in handy – and you won’t be married to a lifetime of debt (hello, Europe).

Europe

Secondly, a lot of people have said they want more flexibility in their repayments.

So when you set up your next loan, before you confirm it, you can extend your schedule to make the repayments a bit smaller*. Find the perfect balance of comfortable repayments with smaller instalments, while still being able to pay your loan off fast, and get on with your life.

Want more info?

We’ve broken up our loan types into two:

Small Loans

  • Loan amount: $100 to $2,000
  • Loan term: from 62 days up to 1 year
  • Fees and charges: If the principal amount you borrow is between $100 – $2,000 you’ll pay: 

        – Establishment fee: up to 20% of the principal amount

         – Monthly loan fee: up to 4% of the principal a month

Medium Loans

  • Loan amount: $2,001 to $5,000
  • Loan term: from 62 days up to 2 years
  • Fees and charges: If the principal amount you borrow is between $2,001 – $5,000 you’ll pay:

        – Establishment fee: up to $400

        – Interest charges based on the Annual Percentage Rate (APR): 39.20%

        – Comparison Rate**: 56.60% p.a.

The stuff you should know about our new Medium Loans:

**This comparison rate is based on our Medium Loan for an amount of $2,500 over 2 years and a $400 establishment fee.

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Nimble does not offer loans for $2,500 over a term of 2 years.

See our full Fee Statement for fee details, including fees that may apply if you don’t make your payments as scheduled after you sign the loan contract.

The really awesome news:

So next time you apply for a Nimble loan, you’ll have more options. Request more money. Make your schedule a little longer, or keep it all the same. It’s totally up to you.*

Need some money? Try it out for size: www.nimble.com.au/  

 

 

*Loans are subject to meeting Nimble’s lending criteria and suitability checks. Approved borrowers may be eligible for a loan from $100 up to $5,000.   Borrowers approved for a Small Loan are only eligible to borrow up to $1,600 on their first Small Loan.

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

Nimble Survey Winners

We had almost 9,000 of our members take part in Nimble’s latest survey.

This one focused on the types of services you’d like to see from Nimble, the types of loans you already have or need and areas of finance you’re interested in.

We love hearing from you guys and filling our brains up with great feedback from our members, so thank you everyone who participated!

To make the survey just that little bit more awesome, we gave away 2 x $500 Flight Centre vouchers and 5 x $200 Coles Myer vouchers to our lucky members who gave us the best answers to, “What’s the best product Nimble could offer to meet your financial needs?”

Here’s what the winners had to say:

“An expense coach.. Something that assists with discipline of spending/over spending. All income/wages into one account and payments/expenses are controlled or made on your behalf by the service provider. For any leisure spending, user would have to put in a request for funds and if the request does not meet the financial goals set and agreed to by the client at inception then funds are declined. Term is predetermined at beginning e.g 3 months, 6 months, 12 months etc. On conclusion the expense coach has assisted in helping the client reach their financial goal – car, holiday, deposits.”

Damien, NSW

 

“A finances tracking app – many consumers utilise short-term loans for unexpected expenses. However, many of these unexpected expenses could be covered had the consumer budgeted more appropriately. I don’t foresee this negatively impacting Nimble’s core business, but rather than consumers would view this is a high value-adding product/service.”

Chad, VIC

 

“A product where I can find my own car online e.g Gumtree or Carsales, negotiate my own price, I get a loan from you on the car and you set me up a easy payment plan on the car.”

Areta, QLD

 

“I’m travelling to America in November December… I know the prepaid cards can be used internationally but maybe have something more tailored for customers needing back up funds overseas.”

Jessica, NSW

 

“Nimble should build apartments and consumers could move in and there rent would contribute to a % of ownership.”

Nicholas, VIC

 

“The best product Nimble could offer me is a points system that rewards people who repay their loans quicker than the repayment schedules, the quicker it’s paid back the more points awarded, these points could be redeemable for things like vouchers or deals etc, also a rollover so any leftover money on the Nimble Visa Prepaid Card stays there when a new payment is made onto it.”

Dillon, WA

 

“Instant IOU service. A pre-approved overdraft of sorts for the just in case moments. Maybe only a couple of hundred bucks.”

Louise, NSW

 

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.