{"id":6879,"date":"2023-03-17T08:40:44","date_gmt":"2023-03-16T22:40:44","guid":{"rendered":"https:\/\/nimble.com.au\/blog\/?p=6879"},"modified":"2026-03-19T14:23:50","modified_gmt":"2026-03-19T04:23:50","slug":"top-tips-to-keep-you-nimble-through-the-rising-cost-of-living","status":"publish","type":"post","link":"https:\/\/nimble.com.au\/blog\/top-tips-to-keep-you-nimble-through-the-rising-cost-of-living\/","title":{"rendered":"Top Tips to Keep You Nimble Through the Rising Cost of Living"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">You\u2019re sitting at your desk at work and a notification pops up on your screen. It\u2019s a message from your property manager: your rent is going up by 15%.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Right under it, in your inbox, is the notice from childcare: \u201c<\/span><i><span style=\"font-weight: 400;\">families can expect a fee adjustment of $5 per day to account for the rising costs of food, utilities and fuel.\u201d\u00a0\u00a0<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">Fact of the matter is: chat to your colleagues and friends, and you\u2019ll hear a similar story, over and over again &#8211; <\/span><i><span style=\"font-weight: 400;\">everyone<\/span><\/i><span style=\"font-weight: 400;\"> is feeling financial pressure at the moment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With prices skyrocketing across so many areas of life\u2019s expenses, that little bit you save across the board could mean a huge difference in your budget.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So, without further ado, we\u2019ve curated the web\u2019s<\/span><i><span style=\"font-weight: 400;\"> top tips to keep you nimble through the rising cost of living.<\/span><\/i><span style=\"font-weight: 400;\"> Here goes:<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">1. If you have a mortgage, check your home loan conditions. <\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">If you\u2019re coming up for a lease renewal, prepare and negotiate.\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Your living arrangements are a good place to start looking for savings.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you haven\u2019t yet reviewed your home loan, there\u2019s no time like the present. While there is some debate regarding how the Silicon Valley Bank collapse will affect the rates rises<span id='easy-footnote-1-6879' class='easy-footnote-margin-adjust'><\/span><span class='easy-footnote'><a href='https:\/\/nimble.com.au\/blog\/top-tips-to-keep-you-nimble-through-the-rising-cost-of-living\/#easy-footnote-bottom-1-6879' title='&lt;a href=&quot;https:\/\/www.reuters.com\/markets\/rates-bonds\/domestic-data-not-svb-collapse-focus-rate-hikes-australia-top-bank-analysts-2023-03-14\/&quot;&gt;https:\/\/www.reuters.com\/markets\/rates-bonds\/domestic-data-not-svb-collapse-focus-rate-hikes-australia-top-bank-analysts-2023-03-14\/&lt;\/a&gt; '><sup>1<\/sup><\/a><\/span><\/span><span style=\"font-weight: 400;\">, or whether an 11th hike is on the horizon, an opportunity still exists to better align your home loan to your future goals.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">After all, there\u2019s more to a home loan than just an interest rate. A mortgage health check could present opportunities to revise loan terms, interest rate, home equity, your LVR, offset facilities and assess how you\u2019re positioned towards your financial objectives.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The following practices<\/span><span style=\"font-weight: 400;\"> may also help you better manage your mortgage in general<span id='easy-footnote-2-6879' class='easy-footnote-margin-adjust'><\/span><span class='easy-footnote'><a href='https:\/\/nimble.com.au\/blog\/top-tips-to-keep-you-nimble-through-the-rising-cost-of-living\/#easy-footnote-bottom-2-6879' title='&lt;a href=&quot;https:\/\/rateseeker.com.au\/why-you-should-get-a-home-loan-health-check\/#&quot;&gt;https:\/\/rateseeker.com.au\/why-you-should-get-a-home-loan-health-check\/#&lt;\/a&gt; '><sup>2<\/sup><\/a><\/span>:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Review your interest rate every year;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have your salary paid directly into your offset account;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Consider making extra repayments when you have a little extra cash to pay down your loan faster;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have money in your offset account to maximise interest savings; and<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Avoid missing repayments by setting up automatic payments.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">On the flip side, if your landlord has passed down their expenses and raised your rent, you\u2019re not alone. According to SQM Research<span id='easy-footnote-3-6879' class='easy-footnote-margin-adjust'><\/span><span class='easy-footnote'><a href='https:\/\/nimble.com.au\/blog\/top-tips-to-keep-you-nimble-through-the-rising-cost-of-living\/#easy-footnote-bottom-3-6879' title='&lt;a href=&quot;https:\/\/sqmresearch.com.au\/weekly-rents.php?national=1&amp;amp;t=1&quot;&gt;https:\/\/sqmresearch.com.au\/weekly-rents.php?national=1&amp;amp;t=1&lt;\/a&gt; '><sup>3<\/sup><\/a><\/span><\/span><span style=\"font-weight: 400;\">, the weekly cost of a rental property has risen by 18% in the past year. In capital cities the situation is even more dire &#8211; with an average 24.6% increase in the same period.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Mid-term in your agreement? You\u2019d be wise to plan ahead. You may want to put feelers out to understand how the rental property market is faring and what it will mean for you when your lease is up.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Should you find your rent is below market price, use this time to prepare! Consider provisioning some extra budget for a likely adjustment or start setting some money aside each week to move to a new place.\u00a0\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If your lease renewal is coming up, it could be a chance to negotiate the proposed increase. Use your positive tenant history or commitment to staying long term as bargaining chips to request improvements on the property. There might be no way around the rent hike, but you could feel a little less heated about it if the owners agree to add in air conditioning or a new coat of paint.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">2. Review big ticket expenses<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When feeling the pinch, pull out your bank and credit card statements and have a look at all the recurring expenses. Unused gym or club memberships, outside school hours activities or hobbies can add up.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Plus, it\u2019s possible you\u2019ll find subscriptions you don\u2019t even recall. A 2022 survey<span id='easy-footnote-4-6879' class='easy-footnote-margin-adjust'><\/span><span class='easy-footnote'><a href='https:\/\/nimble.com.au\/blog\/top-tips-to-keep-you-nimble-through-the-rising-cost-of-living\/#easy-footnote-bottom-4-6879' title='&lt;a href=&quot;https:\/\/www.savings.com.au\/news\/aussie-unused-subscriptions#:~:text=No%20sign%20of%20slowing%20with,on%20online%20subscriptions%20in%202022&quot;&gt;https:\/\/www.savings.com.au\/news\/aussie-unused-subscriptions#:~:text=No%20sign%20of%20slowing%20with,on%20online%20subscriptions%20in%202022&lt;\/a&gt; '><sup>4<\/sup><\/a><\/span><\/span><span style=\"font-weight: 400;\">\u00a0showed that 39% of respondents had scheduled payments they had forgotten about, or no longer used, with the top categories being:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transport tolls (14%)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Electricity\/gas bills (14%)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Entertainment subscriptions (11%)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Car rego\/car rental memberships (11%)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Phone bills (7%)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Child care (6%)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Is there anything in your budget you can live without or that you\u2019re not using to its full potential? Cut it out! <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Be honest with yourself, the gym subscription that has been waiting to be used <\/span><i><span style=\"font-weight: 400;\">\u2018tomorrow\u2019<\/span><\/i><span style=\"font-weight: 400;\"> for the past three months is probably not essential in the short term. Cancelling it could add an extra $30 to your monthly budget!\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But, if you\u2019re not ready to part with the goal of fitting into your skinny jeans by 2024, you might be able to make a saving by switching your activities from monthly to annual payments, or perhaps by scaling back for a while to trim the fat off your budget.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">3. Sharing (streaming services) is caring<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Six billion dollars is how much Australians spend on subscription entertainment a year, according to a recent article by The New Daily<span id='easy-footnote-5-6879' class='easy-footnote-margin-adjust'><\/span><span class='easy-footnote'><a href='https:\/\/nimble.com.au\/blog\/top-tips-to-keep-you-nimble-through-the-rising-cost-of-living\/#easy-footnote-bottom-5-6879' title='&lt;a href=&quot;https:\/\/thenewdaily.com.au\/entertainment\/2023\/03\/12\/subscription-television&quot;&gt;https:\/\/thenewdaily.com.au\/entertainment\/2023\/03\/12\/subscription-television&lt;\/a&gt; '><sup>5<\/sup><\/a><\/span><\/span><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Logically, a quick way to save is to review your streaming services and consider strategically culling one or two\u2026\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Or, if you\u2019re not keen on missing out on season 2 of Yellowjackets on Binge, try sharing your multi-screen subscriptions with your mates.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sharing is caring, as the saying goes, and it can also be cost effective. Get your family, friends, or housemates in on the action. You can even swap subscriptions &#8211; you offer Netflix and Nat adds you to her Spotify family plan! Everyone wins.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">4. Not today, Takeaway. Not today.\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">One sure way of eating up your budget is to\u2026 well, to eat it away.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With the daily rush of modern living, eating out or ordering in is convenient, we get it. But, it\u00a0 can also quickly chew through your disposable income, $20-$30 at a time.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Set yourself an eating in\/out budget and try to stick to it as much as possible.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">And if you\u2019re serious about chopping your takeaway costs, consider deleting apps from your phone to remove temptation and filling your freezer with \u2018fakeaway\u2019 alternatives to cook at home.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Leave eating out for special occasions!<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">5. Meal plan and grocery shop online<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Grocery prices are on the rise and, with everyone constantly on the go, it\u2019s all too easy to resort to a last-minute run to the drive-thru or to fill up the shopping cart with good intentions and loose plans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But, being intentional in your kitchen can be a key ingredient to getting on top of your budget. And that\u2019s where meal planning comes in.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It takes a little time on the front end, but it\u2019s a game changer.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Plan out what you want to eat for the week ahead \u2013 including snacks and desserts! Make a list with everything you\u2019ll need, checking that you\u2019re making good use of menu items that can crossover from one meal to the next.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Open a couple of tabs on your laptop or phone to compare prices at your preferred grocers and get shopping! You\u2019ll find that buying your groceries online will help keep you on track with your meal plan, remove the temptation to overspend and allow you to schedule the pick up or delivery around your busy schedule.\u00a0<\/span><\/p>\n<p><strong>Tantalising tip: don\u2019t forget to cook extra servings for leftovers as an alternative to takeaway on low-energy evenings.<\/strong><\/p>\n<h2><span style=\"font-weight: 400;\">6. Be energy efficient<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">First thing\u2019s first, switching energy deals or providers can deliver substantial savings with minimal impact to your lifestyle.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are several comparison apps, local government websites that you can use to assess plans against your current usage rate.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once you\u2019ve tightened up the cost of your energy bill, there are also easy hacks you can make at home to keep your power expenses as low as possible.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Even paying attention to the thermostat can make a considerable difference. For example, every degree outside the Goldilocks zone (in winter: 18 to 20 degrees, in summer: 24 &#8211; 26 degrees) could cost users 10% extra on their bills<\/span><span style=\"font-weight: 400;\"><span id='easy-footnote-6-6879' class='easy-footnote-margin-adjust'><\/span><span class='easy-footnote'><a href='https:\/\/nimble.com.au\/blog\/top-tips-to-keep-you-nimble-through-the-rising-cost-of-living\/#easy-footnote-bottom-6-6879' title='&lt;\/span&gt;&lt;a href=&quot;https:\/\/www.smh.com.au\/property\/news\/how-to-save-money-on-your-home-energy-bills-in-2023-20221221-p5c84g.html&quot;&gt;&lt;span style=&quot;font-weight: 400;&quot;&gt;https:\/\/www.smh.com.au\/property\/news\/how-to-save-money-on-your-home-energy-bills-in-2023-20221221-p5c84g.html&lt;\/span&gt;&lt;\/a&gt;&lt;span style=&quot;font-weight: 400;&quot;&gt; '><sup>6<\/sup><\/a><\/span><\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Make sure appliances and heaters are switched off overnight and when you\u2019re not there and be on the lookout for savvy ways to save, like using fans, which tend to use less energy than air conditioners, or smaller space heaters instead of heating the whole house. Or, an electric blanket could also be a cheaper alternative on cooler nights.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For more tips on how to save on electricity costs, click through to our blog <\/span><a href=\"https:\/\/nimble.com.au\/blog\/8-tips-for-saving-on-your-electricity-bill\/\"><span style=\"font-weight: 400;\">8 Tips For Saving On Your Electricity Bill<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">7. Tighten up your budget buckets<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Double-dipping or dipping into the wrong proverbial bucket?\u00a0<\/span><span style=\"font-weight: 400;\">Take time to routinely review if there\u2019s leakage in your budget.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When you compartmentalise your reserves and discretionary spending by assigning your expenses and savings, you can more readily identify problem areas and the buckets need to be topped up or levelled out.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Hopefully, this will keep you on par or close to your expected levels.\u00a0<\/span><span style=\"font-weight: 400;\">But, if you\u2019re regularly reaching into your emergency bucket for non-essentials, consider choosing a different account and reducing your ease of access!<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">8. Know where the cheap fuel is<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">According to the Australian Automobile Association\u2019s (AAA) Transport Affordability Index, Aussies paid a weekly average of $100.39 for fuel between April and June last year \u2013 representing a 26.4% increase compared to the first three months of 2022<span id='easy-footnote-7-6879' class='easy-footnote-margin-adjust'><\/span><span class='easy-footnote'><a href='https:\/\/nimble.com.au\/blog\/top-tips-to-keep-you-nimble-through-the-rising-cost-of-living\/#easy-footnote-bottom-7-6879' title='&lt;a href=&quot;https:\/\/www.drive.com.au\/news\/australia-fuel-cost-100-per-week-first-time-on-record\/&quot;&gt;https:\/\/www.drive.com.au\/news\/australia-fuel-cost-100-per-week-first-time-on-record\/&lt;\/a&gt; '><sup>7<\/sup><\/a><\/span>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At that rate, a motorist would have spent more than $5000 on fuel, making transportation the ultimate budget-sucker!\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The good news is, with everyone feeling it in their hip pocket, there\u2019s no shortage of apps developed recently to find where the cheap fuel is. Government apps and websites like NSW FuelCheck, MyFuel NT, and FuelWatch provide retailer generated information, while MotorMouth, GasBuddy and Waze often compile data reported by users and may not be as current.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Although the 7-Eleven fuel app allows you to lock in your price of fuel for up to seven days, don\u2019t let it stop you shopping around for the best deal at the browser.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">And remember, if you have to go waaaaayyy out of your way to get the best price, do your maths to decide if the pursuit of cheaper fuel is worth it or not.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h5><span style=\"font-weight: 400;\">Hopefully these tips will be a good place to start for you. For other strategies for <a href=\"https:\/\/nimble.com.au\/blog\/7-tips-to-help-save-fuel-and-help-you-save-money\/\">saving on fuel<\/a>, <a href=\"https:\/\/nimble.com.au\/blog\/the-no-fuss-guide-to-maintaining-your-tyres-plus-how-to-easily-change-a-tyre\/\">car expenses<\/a> or stretching your budget with a side hustle or <a href=\"https:\/\/nimble.com.au\/blog\/12-ways-to-make-money-without-having-a-traditional-job\/\">non-traditional job<\/a>, hop over to <\/span><a href=\"https:\/\/www.nimble.com.au\/blog\"><span style=\"font-weight: 400;\">www.nimble.com.au\/blog<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/h5>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u2014&#8212;&#8212;&#8212;-<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><i><span style=\"font-weight: 400;\">Disclaimer: Please note this content is provided as general information only and does not take into account your objectives, financial situations or needs. For advice tailored to your financial situation, it is advised that you seek guidance from an accountant or financial advisor. The above post refers to application software (\u201cApp, Apps\u201d) 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 above links belong to a variety of websites and not Nimble, so clicking on, and using them, will take you away from Nimble\u2019s website meaning we\u2019ve got no control or responsibility over the content. Nimble does not endorse and is not affiliated or associated in any way whatsoever to the businesses named in this blog post. The information contained in this article is correct at the date of publication.<\/span><\/i><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>You\u2019re sitting at your desk at work and a notification pops up on your screen. It\u2019s a message from your property manager: your rent is going up by 15%.\u00a0 Right under it, in your inbox, is the notice from childcare: \u201cfamilies can expect a fee adjustment of $5 per day to account for the rising [&hellip;]<\/p>\n","protected":false},"author":52,"featured_media":6881,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51,10],"tags":[],"class_list":["post-6879","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general","category-tips-resources"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Top Tips to Stay Nimble Amidst Rising Cost of Living | Nimble<\/title>\n<meta name=\"description\" content=\"Navigate the rising cost of living with these actionable tips from Nimble. 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