Tips for loan approval with
a bad credit score

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You’ve got bad credit but you still want some extra cash? Let’s get Nifty! We will give you our top 10 tips for loan approval even if your credit score looks far from great. There are a few things you can do to improve your credit report and get your loan approved more easily. Some of them need a bit of time and preparation, while others can be done straight away. Applying for multiple loans may decrease your chance of approval over time, so be smart and only apply for a fast loan when you need it!

Tips For Loan Approval

Understanding credit scores

Your credit score is a number that reflects your previous financial decisions based on your credit report. Banks and lenders refer to it when you submit a loan application to get an idea of your previous financial behaviour. Many lenders assess if they believe you will be able to repay your loan based on your previous behaviour (a.k.a. credit score). However, a credit default or bankruptcy can be stored for up to 7 years, even if you paid your debt off and moved on. Therefore, a bad financial decision from the past can affect your financial present and future.

A low credit score indicates to a lender that you may have struggled to repay your bills in the past, while a high credit score means that most likely you made your payments on time and kept a good relationship with money. In some cases, a low credit score can cause a lender to reject your application on the spot. If you want to avoid rejection, keep on reading!

Reasons why your loan gets rejected

Your loan may get rejected for various reasons. If that has happened to you already, you can always contact the lender to ask for the reason you got rejected for. Feedback may help your next application to be more successful. Here are a few very common reasons for why loan applications are rejected:

  • You have applied for too many loans in the past. Your credit report keeps track of any loan you have applied for in the last 5 years. Too many applications may give you a bad credit rating and get your next loan application rejected.
  • Insufficient or infrequent income. When assessing your financial situation, your potential lender will have a look at your income history. If they believe you won’t be able to repay your loan with your current income, your application will be rejected.
  • Your details are not correct. When checking your application, lenders will verify your personal details. If you typed in wrong information, your loan application may also be declined.
  • You have too many loans already. If you are holding multiple loans already, chances are high that another application won’t get through as a new one may not be affordable.
  • Your purpose may not be acceptable. Many lenders will ask you to give them a reason for your loan application. If your loan purpose is not credible or the loan you are applying for is bound to a certain purpose and you are not complying, your loan may get rejected.
  • Your assets are not valuable enough. If you apply for a secured loan, you will be asked to put an asset, like a car or boat, against your loan. If your asset is either too old or not valuable enough, your loan may also not get approved.

How to avoid loan rejection

Obviously, if you have bad credit, you can’t avoid rejection from every single lender. Some may set the rule not to lend to anyone with bad credit and will reject you, no matter what you do. However, from July 2018, Australia had a new system called Comprehensive Credit Reporting (CCR). It also records positive financial behaviour, which could be your key to getting accepted. By accumulating more positive listings on your credit report, you may outweigh the negatives.

Tip #1: Check your credit score

It’s important that you are on top of your financial game by frequently checking your credit score. Make sure that you check thoroughly if the information is correct or if there is anything that needs to be addressed. Otherwise, a small mistake could cause your loan application to be rejected. You can get your credit report for free every 12 months.

Tip #2: Get any errors fixed

If you happen to find any information that is stated incorrectly, you should immediately contact the company in charge. It can take a while until changes show up; therefore, you should make sure to address problems as early as possible.

Your credit reporting agency can fix any errors regarding your personal data, debt incorrectly being listed twice, or a debt amount that’s listed incorrectly.

Your credit provider can fix any mistakes regarding debts that you are in dispute about, that has been stated incorrectly, or that you didn’t receive a notice about.

Tip #3: Consider a credit card and use it

It may sound contradictory at first, but having no debt at all doesn’t make you more creditworthy, per se. Using your credit card and repaying your debt on time shows that you can handle money well and will be used as a positive example of payment behaviour.

Tip #4: Pay off debts

Getting a loan or any sort of debt might lower your immediate credit rating. However, consistent repayments on time can have a positive impact on your payment rating. It doesn’t matter if you have any debt as long as you stay ahead of your repayments and make them in a timely manner.

Tip #5: Find out about requirements upfront

Each lender has their own minimum requirements about income and credit scores. Finding out about them early in your application process will ensure that you are actually eligible to apply for a loan with the lender of your choice.

Tip #6: Check your budget

Most lenders will thoroughly check your financial situation before they give you a loan. This is to ensure that loan repayments are affordable for your budget. If you know your budget upfront, you can ensure that you apply for a repayment term that suits your income. Financial advisors suggest that you use no more than 40% of your take-home income for loan repayments.

Tip #7: Pay your bills on time

Your comprehensive credit report does not include any of your utility bills; however, if you forget to pay your bills on time, your provider will report those unpaid bills to a debt collector and your credit reporting agency as a default. Therefore, you should make sure to pay your bills on time and avoid unnecessary listings.

Tip #8: Manage multiple types of credit

If you show that you can manage multiple loan repayments at once, let’s say a car loan and a personal loan, your credit rating may improve through positive feedback. However, please make sure that you only get multiple loans if you actually need them and can afford to repay them comfortably.

Tip #9: Have a steady job history

Changing jobs too often may give the impression that you are in a financially unstable position. A long-term employment history provides security for your lenders and leaves the impression that you are stable and financially safe. The chances to get a loan approved will rise if you have been in your current position for a longer period of time.

Tip #10: Consolidate your debt

A debt consolidation loan can improve your finances by repaying your current debt and combining the repayments into a single one. You might get a better interest rate and repaying your old loans may improve your credit rating. However, give it a few months to show up in your report as getting a new loan may lower your rating short-term.

The Nifty way of lending

We believe that everyone deserves a fair go. While we do perform a credit check in our loan assessment, we won’t just look at your bad credit. We want to know about your current financial situation and spending habits. That’s why we can offer loans for people with bad credit. Our loans are Nifty and they live up to their name: submit an easy online application and get your outcome within an hour. We’ve got your back, even if you have bad credit.

 

Coronavirus Statement

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Supporting Customers Affected by the Coronavirus

With its unprecedented nature, Nifty Loans will adjust its response to the Coronavirus concerning the advice from relevant government authorities and The World Health Organisation (WHO). We understand that people are experiencing substantial financial implications during this troubling time. That’s why we urge customers to get in touch immediately if they’ve been affected by COVID-19.

You can contact us by sending an email to info@niftypersonalloans.com.au or, you can give us a ring on 1300 471 328. Our team of experienced staff are ready to assist you in the best way possible. Our application and repayment teams are here to work out a solution that best suits your current circumstances.

Healthy Practices during COVID19 outbreak

The following healthy practices have been provided by the Australian Government and the World Health Organisation and should be followed by the general public. These practices are being utilised within Nifty’s office and by Nifty’s staff:

  • Wash your hands thoroughly: It’s important to regularly and thoroughly wash your hands with soap and water or an alcohol-based hand rub.
  • Maintain social distancing: Scott Morrison has enhanced social distancing to 4 square metres per person in enclosed settings. You should also maintain at least a 1.5-metre distance between yourself and others.
  • Avoid touching eyes, nose and mouth.
  • Practice respiratory hygiene: It’s essential that we, as a community, practise respiratory hygiene. This means covering your mouth and nose with your elbow or a tissue when coughing or sneezing.
  • If you have a fever, cough and have difficulty breathing, seek medical care early: Stay home if you feel unwell. If you have a fever, cough and have difficulty breathing, seek medical attention immediately and follow the directions of your local health authority.

Helpful resources

After more information on unfolding events? We would suggest you take a look at these.

COVID-19 Policy

In response to the ongoing situation with the COVID-19 (coronavirus), Nifty loans have created an official policy for its staff and customers. Our COVID-19 Policy details how we, as a business, are responding to the virus; this includes changes to our assessment processes and procedures, requests for variations of contracts on the grounds of financial hardship and marketing. For more details, information and resources we would recommend impacted customers refer to this policy.

7 Spooky Aussie Money Facts You Didn’t Know About

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Strange money facts you probably don’t know

It seems like there are new ways that are guaranteed to save you money put in front of Australians every day. In the world of online shopping and digital payments, Buy Now Pay Later (BNPL) platforms such as Afterpay and Zipmoney are leaving Aussie consumers spoilt for choice. At the same time, we’re faced with new ways to spend and to store our money, too. With all these fast-paced changes, it can be easy to lose track of our spending habits. Keeping your finger on the pulse of nation-wide money habits can help you understand and manage your own cash better.

In light of the scary season, we’ve compiled a Nifty list of spooky and not-so-spooky Australia money facts that may surprise you.

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#1 The Northern Territory has the highest weekly spend

This probably falls more into the interesting money facts category, but it becomes strange when you consider the NT’s small population.

In 2016, MoneySmart determined that the Northern Territory had the highest weekly spend sitting at around $1,700 per week. South Australia and Tasmania came in at the lowest weekly spend both sitting just below $1,200. Surprisingly, however, comfort spending in the Northern Territory is far lower than in other Australian states. According to MoneySmart, Tasmania spends double what the NT spends on chocolate each week with Tassy spending $5.57 per week vs $2.81 for the Northern Territory.

#2 Over a third of millennials don’t trust banks

When it comes to strange facts about money, this one is hardly a shocker. The headlines of bank scandals, misleading interest rates and irresponsible lending have seemingly left a sour taste in millennials’ mouths. Only 8% of millennials surveyed in a recent study would say they trust banks a lot. Alongside that, only 26% of millennials would trust banks a little.

This feeling of distrust and dissatisfaction of the traditional banks by consumers has left a gap for innovative banking initiatives to rise up. Neobanking is set to go toe-to-toe with the big four in a BIG way. Xinja and Volt are the latest Neobanks to take on the big four banking oligopoly. While a relatively new concept in Australia, Neobanks have been growing in popularity in countries such as the UK and will look to do the same here.

#3 Not everyone spends their tax return on something fun

Just received your tax return? About to go spend it on the latest smartphone or updating your wardrobe? That’s not what every Aussie is thinking. Over 70% of Aussies use their tax money for essentials. About 29% of Aussies channel this cash into paying bills and 21% put it straight in the piggy bank. 13% use it to cover loan and credit card repayments and 9% towards the mortgage.

#4 Aussies are fiends for home renovations

We all know that homeownership is the long-standing Australian dream. According to the latest statistics, the dream is growing beyond ownership to renovation. The Australian Bureau of Statistics for the 2015/2016 financial year found that Aussies spent a record $7.7 billion on home improvement. That’s $1 billion more than the previous 2 years. Experts believe this is a result of inflated property prices forcing homeowners to upgrade their current home. A cheaper alternative than moving up the property ladder.

With soaring house prices it’s no wonder home improvement is becoming more and more critical to everyday Aussies. If you’re looking to upgrade, you can apply for a home renovation loan in minutes and receive a smart decision within the hour.*

#5 62% of Buy Now Pay Later purchases are classed as necessary

Jumped on the buy now pay later wagon? Then you’ll know all-too-well the temptation of seeing that dress you love on sale, deciding not to wait for payday, and popping it on Afterpay or Zip Pay. Clothing makes up 31% of purchases on buy now pay later services. Not far behind though, appliances and homewares collectively account for 32% of purchases.

Andrew Bell, founder of Nifty Loans, says it’s vital that consumers understand how BNPL services can affect financial goals over the long term. BNPL service providers don’t assess whether consumers can afford purchases, which can often stack up quickly leaving them with a stream of seemingly small repayments that they can’t necessarily afford.

“It’s important to question purchases and weigh up how much you really want products against versus how much you actually have as disposable income before you end up with defaults on your credit file – a small mishap that can end up holding you back in the long run.”

#6 35% of Buy Now Pay Later users hide their purchases from loved ones

“Our research found that one in four users are hiding their Buy Now Pay Later purchases from loved ones, indicating that a number of users aren’t proud of their spending habits. Males aged 25 – 34 were most likely to conceal their purchases with nearly 35% admitting they did so,” says Kirsty Lamont from comparison website Mozo.

Statistic, this certainly speaks to an impulsive buying habit that most aren’t proud of. Spending and saving are all about having goals and laying out a plan. Check out our top Nifty tips on how to control an itchy trigger finger when it comes to online shopping.

#7 Wages stagnate while house prices soar

When it comes to spooky facts, this one’s a killer. Research suggests that millennials are up against new financial pressure from higher costs of education and housing, while wages stagnate. Census statistics demonstrate that house prices paid at the same age are 8 times higher than income for millennials. Whereas Gen X only faced house prices that were 6 times higher than the average salary. Education costs have also risen. The average education debt held by millennials is 19,000 – that’s a 79% increase compared to Gen X. All figures presented are adjusted for inflation.

Surprise! The game changes for women in 4 BIG ways

When it comes to spooky facts about money, there are some particularly scary ones for women.

It’s clear – age changes things. Different economic conditions influence a variety of spending and saving habits. But does the story change when we look at gender? The simple answer is, yes. But the question remains, how big is the difference and does it affect long-term financial wellness?

#1 32.5% of women have caring responsibilities for a parent

The 2016 Melbourne Institute HILDA Report showed that women were more likely to have caring responsibilities while working full time compared to men. Caring responsibilities can equate to women taking more personal and carers leave from work, resulting in them spending less time at work than men.

#2 Men have almost double the amount of super balance at retirement

Superannuation is the nest egg we save during our working years to support us as we enter retirement. On average women are expected to have $231K once they reach retirement; however, men are expected to have $454K. That’s almost double!

#3 Household labour is a full-time job for women

According to the NSW Department of Health, women with children spend 44 hours a week on household duties while working full-time. This amount of unpaid labour creates both a physical and mental strain. With 40 hours at work and 44 hours of chores at home – when do you pencil in wellness and relaxation?

#4 Unpaid labour is a ‘women’s job.’

Unpaid labour is comprised of volunteer work, domestic duties, care of adults and childcare – and women are the top employees. Women conduct 76% of childcare, 67% of domestic work, 69% of care of adults and 57% of volunteering. This unpaid work points to the financial inequity that women experience at the end of their careers.

These recent revelations surrounding women and unpaid labour have led to a push for the Australian government to compensate women to fairly represent the work to income ratio.

3 not-so-spooky facts

You could say there is a generational war afoot with millennials being the new punching bag. Older generations believing millennials can’t afford a house because they purchase too many smashed avos is just one of the battles. On the flip side, millennials believe their future is all doom and gloom.

Some of the facts about the money we’ve covered so far may have been enough to send a shiver down your spine. So, let’s have a look at some things you didn’t know about Australia that won’t be quite so financially terrifying.

#1 Millennials spend less on alcohol and cigarettes then the generation before them

For millennials, the Australian dream of homeownership is far beyond the horizon, and many cite irresponsible spending habits, rather than stagnant wages and soaring house market. However, the data tells a different story.

Compared to Gen X, millennials spend 71% less on cigarettes and 16% less on alcohol. Juxtaposed with millennials spending 24% more on public transport and 23% more on private health payments. The smashed avo theory is also under fire with both generations spending the same on cafes and restaurants.

#2 Millennials are saving more than their parents

As shifting economic conditions steer millennials away from borrowing and towards relying on their savings, the saving muscle is well and truly flexed compared to Gen X. Majority of millennials prefer to dip into their savings account if they need funds, rather than turn to banks or credit cards. In fact, they are 29% more likely than older Aussies to redistribute savings and 9% less likely to borrow from a bank1.

Millennials have stronger saving habits with 80% saying they keep a strict budget. They are also more likely to utilising online shopping to compare prices and research before purchasing an item worth $100 or more.

#3 Weathering the storm with savvy money habits

Millennials have different money priorities compared to older generations. Spending habits are inspired by changing technology and an uncertain economy – much like previous generations faced. Turning away from credit, spending less on discretionary items and delaying homeownership are methods to combat these challenges.

So, the key to understanding Aussie money facts is not rejecting habits that might differ, but looking at changing trends. Both technical and economic trends can help you see why these habits may be not only necessary but beneficial for a healthier financial future for any age or gender.

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What The Foxtel/Netflix Deal Means For Aussie TV

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Netflix Deal

Foxtel or Netflix or… both at the same time? In the latest Australian TV shake-up, Netflix and Foxtel have joined forces, allowing keen viewers access to an even bigger library of content. The television landscape is constantly changing but the news of this unlikely pairing has already raised a few eyebrows, with Aussies wondering if it will finally solve the ‘what-to-watch puzzle.’

Now, let’s be honest, when was the last time you went into or even saw a DVD store? Most likely years ago. The reason they’ve been dropping like flies is most likely due to the rise in online streaming services and, more specifically, Netflix. If you’re one of the few people without a Netflix subscription then you’re definitely in the minority. In fact, in March 2019 there were 11.9 million Australians with a Netflix subscription.

Where Netflix is putting every foot right, spells disaster for pay-TV services like Foxtel. Until of course, the introduction of this new and honestly quite strange partnership. If you’re like me, who already has a fully-fledged Netflix addiction, and is a lover of Foxtel, then this might be fantastic news. The ultimate questions beg- what does this mean for Aussie TV? Do we really need it?

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How Did This Come About For Foxtel

You won’t believe it, but Foxtel turns 25 next year. It truly is the grandpa of Australian pay-TV. In its earlier years, Foxtel only offered 20 channels via the Telstra network. Fast forward to 2019, and the home entertainment platform is a completely different beast. Not only does it have hundreds of channels, but it offers streaming on-demand, and now with the inclusion of Netflix on their services, there’s no question that Foxtel is still cutting the proverbial mustard.

The broadcast channels, such as Channel 7, Channel 9, BBC, Fox8 and Fox Sports are the bread and butter of their service. But for those who enjoy watching TV at their own pace, Foxtel’s selection of on-demand movies and tv shows has thousands of hours of content.

Since the introduction of Netflix and other similar online streaming services, Foxtel has struggled to match these competitors on price and convenience. In an attempt to keep up with the meteoric rise of online streaming, Foxtel’s approach seems to have been along the lines of ‘if you can’t beat them join them’ following the end favourite of an incredible 7 seasons of Game of Thrones.

While season 8 is something we’d rather not get started on, what with all the carelessly jampacked action in 6 episodes, it’s clear that Foxtel’s aim is to address the number of customers moving to cheaper services like Netflix or at least flicking over after the evening news.

How does Netflix work on Foxtel?

For Foxtel customers with iQ4, Netflix content is available on their Foxtel subscription. Customers with an iQ3 subscription will receive the update by the end of the year. Sounds too good to be true, doesn’t it? Unfortunately, it is a little bit. We’ve read the fine print so you don’t have to. With the added Netflix feature, Foxtel customers will have to fork out an extra $9.99 a month.

A basic Netflix deal subscription costs $9.99 per month to use one screen and $17.99 to use four screens simultaneously with 4K capability on eligible streams. Knowing this information the added Foxtel fee is probably justified.

However, we do have good news! Foxtel is offering the new Netflix upgrade for free for the first 6 months if it is redeemed on iQ4 accounts by December 31st.

New Remote and One Device

The new partnership means subscribers will be able to access Netflix TV shows and movies with the simple click of a button. New remotes with a dedicated Netflix button will mean users can click between the two saving time-poor audiences from having to deliberate on what to watch.

Swapping between Foxtel exclusives such as Big Little Lies to Netflix originals like ‘Stranger Things’ or ‘13 Reasons Why’ can be done with a few clicks on the new and improved Foxtel remote. That’s not all! This snazzy new remote will have a voice control feature through a tiny microphone because of 2019, right?

That’s alright but is it really worth all the fuss? The convenience of integrating both services into one device and one remote is pretty handy, but we’re still not convinced Aussies will be completely on board.

Will I Still Need to Sign up to a Netflix deal?

Now, for those of you that have Foxtel but don’t have a Netflix subscription, steady on, don’t get too excited. Unfortunately, you will need to sign up to Netflix if you haven’t already done so to experience the best of ‘best of both worlds upgrade.’ but if you’re not quite sure how to do this, you can sign up through the easy steps on the iQ4 or iQ3 set-top boxes after the new service is available on their device.

It’s the same for Netflix subscribers, who won’t have access to Foxtel content but also won’t have to pay any fees if they’re not subscribed to Foxtel.

What does this mean for Aussie TV?

While the Foxtel partnership won’t save you the cost of subscribing to both services individually, it does make for a better overall experience. There’s no switching between the two, swapping in and out of apps. It’s all in one place! If you are a subscriber to both Foxtel and Netflix, this deal is beneficial. Whether it’s a game-changer, we’re not quite convinced.

No doubt this is a clever move by Foxtel, but will it work? At this stage it’s looking like more and more millennials are choosing cheaper options like Netflix and Stan. Time will tell whether consumer’s stick around with the pay-TV veteran.

What to watch on Foxtel and Netflix

Foxtel and Netflix both offer a tonne of binge-worthy TV shows and other juicy content for you to enjoy. Let’s say you’ve cleared your weekend and want to sink your teeth into some entertainment faced with the modern-day dilemma: what to watch? We really are spoilt for choice. Whether you’re into comedy, fantasy, reality or drama, we’ve got something for you – just not a sport, because we know you’ve got that covered!

First off we’ll start with Foxtel:

#1 Sons of Anarchy

Like a modern Shakespearean drama with guns and Harley’s. If you like your protagonist being on the wrong side of the law and don’t mind a bit of gun-violence here and there, or maybe you’re just into the gorgeous Jax played by Charlie Hunnam, this show is for you. It’s gritty, chaotic at times and just overall binge-worthy.

#2 Big Little Lies

The incredible cast including Nicole Kidman and Reece Witherspoon isn’t all this drama has to offer. It delves deep into the issue of violence against women and has a complex characterisation of women in a dark yet comedic tale of murder. Don’t take it from us! See for yourself and get bingeing.

#3 Wentworth

What would we be doing if we didn’t recommend a bit of Aussie drama to spice up your life? The revival of a classical Australia prison drama has been a hit with fans.

Netflix Originals

#Black Mirror

‘Black Mirror’ has got to be one of the darkest, creepiest shows out there, but we can’t stop watching. Each thought-provoking episode is vastly different from the next, but they all share one common theme: the collision of humanity’s great tech innovations with our darkest instincts. It’s gripping – you won’t be disappointed.

#When They See us

It’s been decades since the original ‘Central Park Five’ was questioned by police in 1989. ‘When They See Us’ depicts the true story of the five African-American teenagers who were falsely accused of committing a brutal assault and rape of a female jogger in central park. This is a tear-jerking and unbelievably gut-wrenching story with astonishing performances by a bunch of young actors.

#The Good Place

Forking Hell! We thought we’d finish off on a lighter note. The Good Place is a breath of fresh air in the world of sitcoms. The show follows four characters who find themselves in the afterlife trying to define what it means to be good. It’s fun, quirky, and of course, binge-worthy!

Wouldn’t a new TV be a great way to celebrate the Foxtel/Netflix deal? You can get a loan for that.

Why have Netflix prices started to rise?

Netflix has this week increased its premium subscription prices again from $17.99 per month to $19.99. However, this comes with the introduction of a whole heap of new shows! The basic plan has gone from $9.99 to $13.99. As we know, the different plans determine the number of devices that can be watched at a certain point in time.

Nifty offers personal loans between $2,500 and $10,000? We’re 100% online, that means you won’t even need to leave the comfort of your own home to apply for a personal loan. So, what are you waiting for? Scroll up and apply for a loan now!

Buy now pay later – so, what’s the problem?

Want to know how to access Centrelink online? Keep reading!

Reality TV is taking over!

Is Uber Still King? These are the Apps That Could Dethrone Uber!

A person using an iPhone to open the Uber app

ride sharing apps

We all know them, most of us have used them, ride-sharing apps are more popular now than ever before. With the Taxi industry in Australia failing to modernise its services to align with the smartphone era, it really should come as no surprise that ride-sharing apps, like Uber, are taking over the market. Whilst the terms ‘ride-sharing’ and ‘Uber’ are often synonyms, ride-sharing actually dates back far longer than the foundation of Uber in 2009 (2012 in Australia).

Following its Australian launch in 2012, Uber has not only become an innovative and convenient new class of point-to-point transport, but the name itself has become a verb. It’s so prevalent in our lives that you’ll often hear tech-savvy companies describe themselves as the ‘Uber’ of their own field. But with this meteoric rise of a company, there’s bound to be competitors hot on its tail.

So, we’ve decided to get to the nitty-gritty of these ride-sharing apps and tell you which ones you should be downloading today and the ones you should be avoiding. And questioning the ultimate question, is Uber still king?

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How did Uber begin?

It’s hard to think back, before the launch of Uber, that we would wait in a phone queue to order a taxi, only to be met with inexcusable fair charge. Not to mention having to watch that meter climb as you think about your wallet getting lighter. The market has changed dramatically since then, thanks to the introduction of ride-sharing apps. In its early years Uber faced some legal challenges in Australia, but their ‘we’re going to do this anyway’ approach paid off, massively.

Uber was technically operating illegally, but that didn’t impact it’s popularity, much to the dismay of taxi companies and drivers across the country. By the time Uber was made legal in Victoria, the last state to do so, they owned 100% of the ride-share market and the sky was the limit.

Of course with the legislation of ride-sharing swiftly brought competition in numbers. Today we are spoilt for choice with competitors such as Ola and Didi entering the fray in 2018. Whilst initially starting slowly and matching Uber for price, these companies are starting to find their rhythm and people are noticing.

What other companies are like Uber?

Since Uber’s Australian launch in 2012, plenty of popular alternatives for Uber have popped up in Australia’s capital cities, like Sydney, Melbourne and Brisbane. A of these few popular ride-sharing apps include:

  • Ola
  • DiDi
  • Taxify
  • GoCatch
  • HOP

However, only a few, mainly Ola and DiDi have threatened to dethrone the long-reigning Uber.

Uber vs Didi vs Ola: The Battle Royale

We’ve compared Australia’s 3 main ride-share apps so you don’t have to. It’s important to note that all these ride-share apps offer the same product, however, their serves can vary significantly. We hope this guide can save you some hard-earned cash when travelling hope on a Friday night, or getting that comfort and convenience leaving the airport. Whatever it may be, we’ve got you covered.

What is the best ride-sharing app?

When comparing the difference between Uber, Ola and Didi; pricing and overall value is what we look for. Below we’ve used Sydney ride-sharing prices to give you a better idea of the different companies pricing schemes. It’s important to keep in mind that these might differ between Australian capital cities but not significantly.

Sydney

Charge Uber Ola Didi
Base fare $2.50 $2.27 $2.25
Booking fee $0.55 $0.50 $0.50
Minimum fare $9.00 $7.50 $6.75
Per-minute $0.40 $0.36 $0.34
Per km $1.45 $1.32 $1.13
Cost of 10min/5km trip $14.30 $12.97 $11.80
Cost of 30min/15km trip $36.80 $33.37 $29.90
Cost of 60min/30km trip $70.55 $63.97 $57.05

As you can see, Didi comes out on top in terms of value. You’ve probably heard the buzz around town about Didi. It’s come out of nowhere, thanks to its promotions enticing customers to choose them over Uber. Following its launch in Brisbane, users were delighted with the offer of $15 free Saturdays. Whilst Uber tends to apply a surcharge on Saturdays due to a rise in users, Didi saw an opening in the market to capitalize on new customers, and people have been jumping on it.

Now, we know price isn’t the only influencer when choosing a particular service or product. You also look at brand reliability and quality of the service. As Uber already has a cemented presence in the market, with a trusted brand, it’s fair to say people may be inclined to rely on the service.
If you’ve got the storage room on your phone, we suggest shopping around and downloading all three apps to get the best bang for your buck. The competition between these apps is at an all-time high, meaning many of the above providers are offering discounts and promotions.

Other promotions offered by Uber, Didi and Ola include:

  • $20 off for new Ola customers
  • $5 off your first 4 rides with DiDi

Benefits of Using Uber and other Ride-Sharing Apps

The technology used to drive the platform is associated with the main benefits enjoyed by customers. Everything is accessible from the touch of a button. Below we’ve listed the main benefits enjoyed by customers:

Uber drivers are Everywhere! You can often find Uber drivers within a 2-minute radius if you’re in an inner-city area. If you head out further into the burbs you can probably expect to wait between 5-10 minutes depending on your location. (overall average wait time for UberX is 4.46 mins compared to Taxi’s 7.79 mins).

The payments couldn’t be more simple! Uber’s integrated payment system means your payment is processed after a trip through your details already stored in the system.

Simple to use Technology! Uber’s simple application allows easy ride requests and the ability to track your driver’s arrival time and dropoff location. Even your tech-tragic parents can use it.

Save money ridin’ with your friends! Uber allows you to simply split fares with your friends also riding with you, making it more economically viable for everyone.

Are Ride-sharing Apps Set to Overtake Taxis in Australia?

It’s in our nature to look back at the past in a ‘grass is always greener’ kind of way, but the slowly dying taxi industry seems to be an exception. It seems like no one is nostalgic for the days before you could simply pull Uber up on your phone and order a ride. In fact, point-to-point transport never seemed like privilege, more of an unnecessary chore. That was until Uber came along.

Uber and other similar ride-sharing apps are more like a friend, who drops everything to come and pick you up to take you to your desired location. Of course, that friend will charge you, but for a service that is cheaper, more personable and more comfortable than a Taxis.

It should come as no surprise that Uber is inches away from taking over taxis as Australia’s preferred form of point-to-point transport. 4.4 million Aussies currently use Uber while 4.5 million Aussies currently use Taxis.

What does the Future Hold for Ride-sharing Apps?

Ride-sharing was and continues to be a game-changer and we can only expect more of it in the future. Maybe the success of apps like Uber might force the taxi industry to clean up their act to encourage more millennial and young people to choose taxis. The thought of this is unlikely, considering all the taxi industry has done since the launch of uber is moan and whinge rather than being proactive.

More and more companies will start to enter the market, but the question remains – Will Uber ever be dethroned as the ride-share king? In the next 5 year? Probably not. Uber at this point in time has such a large portion of the market share that it would take a miracle (or disaster) for it to be overtaken at the top spot. However, apps such as Didi and Ola are rising fast so it will be interesting to see how long they can keep these promotions and discounts that’s earned most of their customers in the first place.

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The Spring Clean You Didn’t Know Your Finances Needed

A person on a laptop with a black coffee next to them on the desk.
You know that feeling where you think everything is fine, but then you read an article online and realise you don’t exercise nearly as much as everyone else, or that everyone has actually cut gluten out of their diets, whilst you chomp down on a kilo of cheesy pasta? Well, sometimes we know it all seems a bit negative, and with the 24/7 dump of articles letting us know we need to do better, we could all use a little less negativity. That’s why we’re talking about cleaning up your finances, so they work for you, and not against you.

As the flowers are blooming, and we say goodbye to our ankle boots, the task of spring cleaning looms around the corner. You’ve already begun repeating the ‘does this spark me joy’ mantra over and over again in your head. Have you thought about applying these Marie Kondo words-to-live-by to your spending and finances? If not, perhaps it’s time to.

If you need quick cash loans, Nifty may have options for you.

Why it’s important to keep your finances clean

You may be thinking your finances are already squeaky clean. You have separate accounts for your rent, income and savings. What more can you do? Well, not only can a deep-dive into your financial habits prevent a late bill, or help you save for your Contiki summer extravaganza, but it can also offer clarity into a seemingly uncontrollable future. So this spring, swap out your set-and-forget-attitude for financial spring cleaning basics.

What are the 8 financial spring cleaning basics?

Let’s look at the basics of financial spring cleaning:

  1. Sweep out old spending habits;
  2. Vacuum up impulsive purchases;
  3. Blow the dust off your budget;
  4. Own up to past late repayments;
  5. Be honest about your debt;
  6. Don’t leave your future to chance;
  7. Don’t just survive, thrive;
  8. Brush up on your taxes.

1. Sweep out old spending habits

Take the time to have a good comb through your past financial habits, and we mean right in the belly of the beast. So, if you dare, it’s time to investigate your ASOS and Ubereats receipts and ponder whether that 9 pm 2nd dinner was a good idea. Of course, we all need to treat ourselves every now and again, however, it becomes a little redundant if you’re treating yourself every day.

When analysing your spending habits, it’s best to leave the negative thoughts in the cupboard. As the wise baboon, Rafiki from the Lion King once said, “Oh yes, the past can hurt, but you can either run from it or learn from it.” The best thing about a spring clean is a clean slate. So, learn from your past spending habits and keep the ones that spark joy and work on throwing the rest in the trash.

Not all your spending habits have to go. If you notice you always have brunch with your friends on Saturday and you love it, then keep it. But maybe those late-night ASOS purchases could be kicked to the curb. With change all around you, it’s the perfect time to change-up your spending lifestyle.

2. Vacuum up impulsive purchases

Impulsive spending can be an enormous roadblock on your path to financial zen. So, one of the first steps in your financial spring clean should be to pinpoint impulsive buying and when it’s most likely to occur.

To combat that all-too-tempting impulsive buy, when you spot something you really like (but may not need), don’t buy it straight away. Wait a week, and if you’re still thinking about that new skirt or fancy candle, then you know it’s a buy that sparks joy! If you completely forget, you just dodged a bullet and saved yourself from a useless buy.

3. Blow the dust off your budget

Your budget may have been one of those things you crafted on a spreadsheet months ago, and haven’t touched since. That’s okay. It’s spring! So, it’s the perfect time to do some good-old-fashioned dusting. Before you tackle the bookcase, take a look at your budget.

It’s your budget, so the best way to manage it is on your terms. You can either go old-school, write it out and stick it on your fridge or download one of the myriads of budgeting apps available.

Top 5 budgeting apps the ultimate spring clean

  1. Mint: The All-rounder
  2. PocketGuard: Protects your wallet against impulsive buys
  3. YNAB: For hardcore budgeters
  4. Wally: Just budgeting
  5. Goodbudget: For the lovebirds

When it comes to spring cleaning your budget, there is something for everyone. Budget your way, and you’ll find it a lot easier to stick to.

Budgeting is like dieting, if you set an unrealistic goal, you won’t meet it and all that planning has gone to waste. So, pick your budgeting forte and structure a budget around what works for you, and your lifestyle.

4. Own up to past late repayments

You know the old adage “The only real mistake is the one from which we learn nothing.” Well, it certainly rings true when it comes to the odd late repayments. It happens to the best of us. To give your finances a good spring clean, it’s time to face up to past mistakes and of course, learn from them. Take a bit of time to understand why you missed a few payments, and adjust your budget accordingly.

5. Be honest about your debt

Whilst we’re on the topic of facing mistakes, a good spring clean means it’s time to face some of those debts you may be carrying around. Staying in debt is like wearing clothes that no longer fit. Leftover debt may include some cash you owe a friend or family member. If you can’t afford to repay the whole sum right away, set up a repayment plan, or even just take them out to a nice dinner to show you’re thinking of them.

The best way to tackle pesky debt is to set up a debt repayment plan and start off your spring with that debt-free fresh feeling.

6. Don’t leave your future to chance

As part of your spring cleaning regime, you may start nurturing and growing your garden for next year. Well, the same goes for your budget and banishing some of those ‘weedy’ financial habits. Take some time to check on your super (trust us, 60-year-old you will thank you). Or think about making some voluntary super payments for a nice little tax break.

Set aside some time to have a think about where you want your finances to carry you in 5 years time. Do you want to own a house? Travel around America? Start a family? Whatever your long-term goals, there is no time like the present. Write them down, and then start planting the seeds for your future goals.

This spring clean, it’s time to plant the seeds for your financial future. Open a high-interest savings account, and you could make a little on the side just for saving your moolah! Take charge of your financial future NOW.

7. Don’t just survive, thrive

It may be cheesy, but why not make your money work for you? But how? It’s an easy question to ask, but hard to action. Well, here’s a nifty tip, make your money work for you by saving it. And saving it right. Start with a high-interest saving account, and then work your brand new saving goals into your weekly, or monthly budget, depending on when you get paid.

8. Brush up on your taxes

Much like spring, the taxman is around the corner. However, there’s no need to go running for the hills just yet. Submitting your tax return online is pretty simple. Log into your MyGov account, and click ‘lodge your tax return’ and you’re on your way. Sometimes our tax is something we can leave till the last minute, so include it in your spring cleaning routine and that’s another thing you can tick off your list!

Loans for when you’re in a pickle

Nifty Loans is your trusted local lender for when you find yourself in need of cash, fast. Have a case of bank-anxiety? You’re not alone. When it comes to managing your finances, people are moving away from large banks and looking to smaller, quicker options. Like Nifty Loans. We’re committed to providing a fair go to every Nifty applicant, whether they have bad credit, or receive Centrelink.

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Speedy outcomes

After you submit your application, our team will do their best to deliver an outcome within the hour (depending on when you apply). Apply with Nifty for fast, smart loan outcomes.

Instant cash in 60 seconds**

What does that mean for you? It means if you’re loan is approved, most of the time you can have the cash straight to your bank in 60 seconds**! That’s cash in a flash. Say goodbye to transfer times, and say hello to painless lending. That’s Nifty.

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Australian Snow Holidays on a Budget

A woman with a large jacket and earmuffs blowing snow out of her hands.

While the snow may be pricey, we know it shouldn’t have to cost you a kidney in order to experience Australia’s breathtaking alpine region.

Book flights ahead of time (or drive!)

Let’s start from the top, shall we? You’re going to have to get there and sometimes this is half the struggle. If you leave the flights to the last-minute then you’re probably not going to snag a bargain. So, we recommend you book your flights well ahead of time. Airlines like Jetstar and Tiger often have amazing sales – so, keep your eyes peeled and make the most of them!

If you can’t score a deal with a flight then driving is another great option (that being said, probably not if you’re coming all the way from Perth). Depending on where you’re coming from, driving to the snow can be a great way to experience the beauty of the Aussie countryside in winter – at least it’s a bit greener than usual! The best part about making a road trip out of it is that you won’t have to worry about transport once you get there. Having your own car in the snow will save money on either hiring one or resorting to Uber/Taxis/Buses!

Avoid the ski chalets

Top tip: if you’re looking to head to the snow on a budget, the ski chalets are definitely not the cheapest place to stay! We get it, staying in a ski lodge is definitely enjoyable (no secrets there) – but, if you’re looking to do the snow on a budget it definitely isn’t the most economical money wise. However, if you just can’t resist, we recommend booking way ahead of time to score the best deals.

There are plenty of less expensive options when it comes to accommodation. If you’re planning a trip to Perisher or Thredbo then we recommend you take a look at what Jindabyne has to offer. Jindabyne is a pumping hive of activity over the Australian ski season and definitely produces the good when it comes to budget accommodation. Nifty highly recommends the Discovery Holiday Park. Set on the stunning Lake Jindabyne, you can score a 2 bedroom cabin that sleeps 5 people for just $190/night – it doesn’t get much better than that! The Man From Snowy River Hotel also provides value for money accommodation situated right above the pub – perfect for apres ski beverages! You can score a family room that sleeps 5 people for around $350!

Getting to the slopes

Once you’ve got your accommodation sorted you’ll need to have a travel plan for making your way to the slopes. If you’re staying in Jindabyne the Ski Tube is only a short 10-minute drive away. The Ski Tube takes you through the mountains and delivers you to the Perisher Valley Terminal. Nice and convenient, all you’ll need to do is pop your ski’s on and you’re ready to go!

If you’re planning on heading to Thredbo for the day there a few different options when it comes to transport. The Snowy Mountains Shuttle operates a daily door to door service during the winter months from your accommodation in Jindabyne to the Thredbo information centre. The same service applies to your trip home. All you need to do is jump aboard!

If you’ve got your car with you or you’ve hired a car you can simply follow the Snowy Mountains Highway to Thredbo. The drive is stunning with breathtaking scenery the whole way!

Getting the gear

If you’re going to head to the snow, the right gear is definitely something worth investing in. Lucky for you, snow attire has become very accessible thanks to stores like Aldi! Usually, this stuff sets you back hundreds of dollars – but, Aldi has (once again) produced the goods! You can pick up a kids ski jacket for just $39.99 and pants for just $29.99. Adults can grab a bargain with snow jackets for just $59.99! And, guess what, the quality is just as good as the big brands. Speaking from experience, the Nifty team gives Aldi the big thumbs up when it comes to budget snow gear!

When it comes to your skis and snowboards the cheapest place to hire is not on the mountain. If you’re planning on heading to either Perisher or Thredbo, then Jindabyne is definitely the place to get your skis/boards! The Shed is definitely the best value ski hire in Jindabyne with deals like hire your gear for 4 days and get the 5th day for free! You can pick up some ski’s, boots and poles for as little as $92 for 4-5 days. Nifty definitely recommends picking your gear up before you head up the slopes if you wanna save some extra cash!

Ski/board passes

We won’t lie to you… you’ll probably feel the pinch when it comes to the lift passes. It’s unavoidable, unfortunately. However, there are still ways to get the best value for money. The best deal out there is usually the season pass. An Epic Australia Pass for the Perisher Ski Fields will set you back around $779. Before you freak out, let’s take into consideration that a one day pass to the slopes usually goes for around $140. So, if you’re planning on hitting the slopes a couple of times this season the Epic Australia Pass definitely produces bang for your buck.

Plus, it gives you access to a number of different ski fields not only in Aus. but around the world, namely Hakuba Valley in Japan and Whistler Blackcomb. If you ask us, an Epic Australia Pass is the way to go! If you’re looking at heading to Thredbo, a week’s lift pass will probably set you back about $550 – depending on the dates you choose.

Eating on the mountain

Buying your food on the mountain will definitely rack up a hefty bill pretty quickly. Speaking from personal experience, a bottle of water usually ranges from $5 – $6! So, if that gives you any indication on how much lunch for a family is going to amount to then we recommend you pack some snacks! Packing lunch is definitely the way to save cash during the day. However, we do recommend you splash some cash on a hot chocolate (or two)!

Nifty Loans

If you just can’t say no to a wintery escape after reading the above then let Nifty lend a hand! We get it, ski holidays aren’t cheap at the best of times. So, if you need a little extra cash to make your snowy dreams a reality then why not apply for a holiday loan with Nifty! Nifty offers loans between $2,500 and $10,000 transferred instantly to your account. That’s right, Nifty offers instant** inter-bank transfers with compatible bank accounts. You could have the cash you need in a matter of seconds. The best part is, Nifty is 100% online. That means you can apply for a quick cash loan wherever you are and whenever you like! Nifty is proud to be helping everyday Aussies get the cash they need when they need it!

Immediate transfers

At Nifty, we know our customers like things fast! So, we’ve made it even easier to access the cash you need. Nifty is now offering immediate inter-bank transfers on compatible bank accounts. What does that mean? Well, once your loan is approved, the cash could hit your account in just 60 seconds**. Most banks in Australia are compatible, however, it is important to check your account offers this service. Our team is here to help. So, feel free to get in touch if you have any questions or queries!

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To get started, scroll up and use our loan calculator to select an amount and repayment period. When you’re happy simply hit ‘Apply now’!

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If you’ve chosen to proceed with an application you will be directed to our 100% online application form. This could only take a matter of minutes to complete. Once you’re finished just send it back to our team. We’ll do all the hard work. If you’ve chosen to apply during AEST business hours then you can expect an outcome in 60 minutes*.

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If your application is successful we’ll send over a loan contract for you to review and sign. We recommend you read over the agreement and make yourself aware of any fees or charges that could incur for late or failed payment. When you’re happy, just sign and send it back to us.

Step 4:

Once we receive your signed agreement our team will transfer the money straight to your account. Nifty is now offering immediate inter-bank transfers for compatible bank accounts. So, you could have your cash in just 60 seconds**. Talk about speed and convenience!

The Best Shows to Watch Now That Game of Thrones is Over

A person pointing a remote control towards the TV that says Netflix on it

After ten long years and eight eventful seasons, Game of Thrones came to an end this May. Although you may have felt unsatisfied by how it all came to an end, you can always go back and relive the glory days of previous seasons. And if that fails, there’s plenty of other series out there just waiting to step in and fill that GoT shaped hole in your heart. While we’re a little late to the party, we here at Nifty would like to put forward our top picks. Now that the fantasy epic is over, here’s 11 of the best shows to watch:

  1. Vikings
  2. Westworld
  3. Outlander
  4. Peaky Blinders
  5. The Handmaid’s Tale
  6. Killing Eve
  7. Big Little Lies
  8. Black Mirror
  9. Gunpowder
  10. Grey’s Anatomy
  11. Final Space

Before you start binging, let’s take a look at why these epic dramas can fill the GoT-spaced hole in your heart.

By the way, if you want to work from home, check out our newly updated article.

1. Vikings (2013 – Present)

With its similar medieval-esque setting and penchant for bloodshed, there’s plenty in History Channel’s Vikings set to delight GoT fans. Our top pick, this series follows the journey of viking legend Ragnar Lothbrok and his sons. Together, these brutal vikings slash their way through France, England and Ireland in search of power. Featuring savage battles, incredible settings, and multigenerational storylines – this historical drama has earned a dedicated fanbase that’s always recruiting new members. Since it’s now filming its final sixth season, we highly recommend you check it out now. Why not see just what the fuss is all about?

Where to Watch it: Netflix, SBS On Demand (Limited Episodes)

2. Westworld (2016 – Present)

With a compelling cast of characters and engaging mystery, Westworld hits all the right storytelling beats we loved in Thrones. The show centres around a Wild-West theme park where humans can indulge in their wildest fantasies with hyper-real robots known as ‘hosts.’ Although the hosts are programmed to forget their past narratives, some begin to retain memories and question their subservient existence. Based on the 1973 movie of the same name, the show takes a magnifying glass to humanity’s darkest flaws. Subsequently, it has received acclaim for its beautiful sets, stunning visuals, and enthralling performances. If you were a fan of GoT’s often bloody twists, then you’ve got to give Westworld a go.

Where to Watch it: Foxtel, iTunes, Google Play

3. Outlander (2014 – Present)

Essentially Game of Thrones but through the rose tinted glasses of a romance novel, Outlander delivers plenty of war, drama, and steamy sex to satisfy. Based on the famous book series, the show sees World War II nurse Claire Randall sent back in time to 1743 Scotland where she meets and falls for Highland warrior Jamie Fraser. Their romance develops over several historical eras as it jumps between post-war England and 18th-century Scotland. Having received critical acclaim, the series is now in its fourth season with the next two in development. So, get on board now and see if it lives up to all the hype!

Where to Watch it: Netflix, Foxtel, SBS On Demand (Limited Episodes)

4. Peaky Blinders (2013 – Present)

Between the family drama and bloody turf wars, this 20th-century-period drama is the perfect follow up to GoT. A fictional take on the exploits of real-life Birmingham gangs in the late 1800s to early 1900s, the series follows the Shelby family as they clash with rival groups for dominance in the underworld. Full of high-stakes political plays and shady behind-doors dealings, the show mirrors many of GoT’s best elements. This goes for the stunning cinematography, powerful performances, and stellar writing as well. With four seasons already available to binge, you can easily catch up in time for the planned fifth, sixth and seventh seasons to come! Plus, you’ll get to enjoy appearances from GoT cast members Locke (Noah Taylor), Doran Martell (Alexander Siddig), and the Night King (Richard Brake) throughout the seasons.

Where to Watch it: Netflix, Foxtel, ABC iview (Limited Episodes)

5. The Handmaid’s Tale (2017 – Present)

A fan of GoT’s strong female characters, political intrigue, and violent brutality? Well, The Handmaid’s Tale ticks all the same boxes. Based on Margaret Atwood’s iconic novel, the series takes place in a dystopian and highly religious American society where women are heavily subjugated. Think along the lines of the “Shame” nun Septa Unella and the Faith of the Seven but on a broader, more disturbing level. It’s beautifully shot and arguably darker than GoT, as  it offers a haunting look at what our society could become. Since all three of its current seasons have received critical acclaim, it’s definitely worth a watch.

Where to Watch it: Stan, SBS On Demand (Limited Episodes)

6. Killing Eve (2018 – Present)

Although a British spy thriller may seem like an odd choice to follow up the fantasy epic that is Thrones, Killing Eve has made serious waves in the TV world. And with good reason! The show follows two complex women, a spy and an assassin, who become increasingly obsessed with each other as they engage in a cat-and-mouse game. The performances are incredible and the twists too good to miss! Plus, having just released its second season, there’s never been a better time to get in on the show.

Where to Watch it: ABC iview (Limited Episodes), iTunes, Google Play

7. Big Little Lies (2017 – Present)

While the story of three troubled school mums becoming embroiled in a murder mystery seems like a far cry from GoT, we promise its worthy of an entry in this list. Featuring the likes of Nicole Kidman, Resse Witherspoon, and Meryl Streep – this HBO series is packed with talented actresses and strong willed female characters. As the mystery slowly unravels, it won’t be long until you find yourself caught up in the family drama. It’s certainly not dissimilar to the drama found in Thrones (albeit minus the fantasy setting). Big Little Lies garnered several accolades from its first season. So, with the second season out now there’s no time like the present to give it a watch.

Where to Watch it: Foxtel, Google Play, iTunes

8. Black Mirror (2011 – Present)

If you loved the incredible cast of interesting characters in Thrones, then this sci-fi anthology series has all that and more. Essentially an extended cautionary tale about technology’s increasing role in our lives, this series is known for its amazing casts and intriguing (if sometimes horrifying) storylines. Since it premiered in 2011, it’s won a slew of awards. Including 6 Emmys for it’s episodes ‘San Junipero’ (Season 3) and ‘USS Callister’ (Season 4). The current fifth season featured the likes of Anthony Mackie (Marvel), Andrew Scott (Sherlock), and Miley Cyrus so you know there’s something for everyone.

Where to Watch it: Netflix, iTunes, Google Play

9. Gunpowder (2017)

Jon Snow may have journeyed beyond the wall for good, but his actor Kit Harington can still be seen brooding on our TV screens in Gunpowder. The 2017 miniseries sees Harrington playing his direct ancestor, Robert Catesby, who instigated the infamous and unsuccessful Gunpowder Plot in 1605. As the activists plan to blow up British parliament, we see the events leading up to and after the 5 November 1605 in great detail. Although the series received some controversy for its graphic depiction of torture, it otherwise earned praise for its performances and production. Since it’s only a miniseries, it’s unlikely to properly fill the void left behind from GoT but it can at least give you a quick fix of beloved Kit Harrington.

Where to Watch it: Foxtel, Google Play, iTunes

#10 Grey’s Anatomy (2005 – Present)

Thought the ups and downs of GoT was a rollercoaster? Wait till you feast your eyes on Grey’s Anatomy. Set in the battlefield of a Settle Grace Hospital, starring a group of determined interns, ready to rip each other apart (figuratively) for just about any surgery that is up for grabs.

Where to watch: Stan

#11 Final Space (2018 – Present)

A rock opera set in space, Final Space is a cartoon jam-packed with tons of heart and a plethora of adventure. While it may not have the sets and costumes of GoT, Final Space keeps you on the edge of your seat, not letting you leave for snacks or a bathroom visit. It’s a must-watch, and any little ones can join as well!

Where to watch: Netflix

More Nifty Reads

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6 Cheap Getaways You Need To Discover

A man and woman holding hands in front of the Sydney Harbour Bridge
6 Cheap Getaways - Nifty

Want to take the family on a holiday that won’t break the bank? Nifty has done the research for you. Maybe you’re planning a romantic escape, or maybe it’s school holiday time again – why blow the budget? You might be surprised at the number of cheap getaways in your backyard. 

Queensland

The sunshine state! Beautiful beaches and stunning hinterlands – Queensland has so much to offer. If you’re looking for a cheap holiday destination that’s not going to break the bank, why not check these places out.

Gold Coast

The goldy, what’s not to love! It’s a hotspot that has something for everyone. From white sand beaches to thrilling theme parks, the Gold Coast has so much to offer. If you’re in the mood for a beach day, the Gold Coast is only a short 50-minute drive from Brisbane City and, the good news is, the beach won’t break the bank. But, if you’re happy to splash a little cash, then there are some seriously delicious places to grab a meal! Here’s what we recommend:

  • Frida Sol, Palm Beach – Amazing Mexican food that really is a steal! Stop by for $5 Taco’s on a Thursday and, wait for it… $5 sangrias!
  • Burgster, Palm Beach – We definitely recommend stopping by for $1 oyster happy hour! This runs from 3 – 5 pm every Friday afternoon.
  • Backbone Bar, Tugan – If you’re looking for an awesome selection of craft beer then head on down! On Thursdays, Backbone Bar are even offering $5 bao! If you head down on a Sunday you can pair your beers with $1 dumplings.
  • Tupe Aloha Bar & Grill, Kirra – This GC cheap eat is providing the goods with a whole range of different deals like three tacos for $10 on Taco Tuesdays, 2-4-1 burritos on Wednesdays, $10 Tiki taster plates on Thursdays, or $3 tacos, and cheap drinks during happy hour (3pm-5pm daily).

If you’ve done enough eating to last you for the rest of the year then it might be time for some exercise. If you love the great outdoors then the Gold Coast has a lot to offer in the way of hiking. Why not give these stunning walks a go:

  • Tamborine Mountain Skywalk
  • Natural Bridge in Springbrook National Park
  • Burleigh Heads National Park
  • Mount Warning

Fraser Island

If you’re into the more remote island vibe for your cheap getaway then Fraser Island’s stunning coast will be right up your alley. With crystal clear lakes and miles and miles of awesome fishy spots, it’s a paradise for anyone that loves the natural beauty our country has to offer. The barge ticket across won’t set you back much either – usually between $150 – $200. We recommend camping on the beach if you would prefer to keep things on the cheaper side, however, there are plenty of places to stay. Here’s some must do’s whilst visiting Fraser Island:

  • Lake Mckenzie – this perched lake, made up of only rainwater, can be found in the middle of the island. With its crystal clear water and scenic location, this is definitely one of the most visited Island sites and a must-do!
  • Central Station – this historical site was originally established as a forestry camp before the Island got on the world heritage list and logging was discontinued.
  • Eli Creek – the largest creek on the eastern beaches of Fraser.
  • Champagne Pools – Fraser Island’s natural jacuzzi – a beautiful collection of rock pools that are filled with foaming ocean water as the waves crash over.

New South Wales

Looking for a great getaway in NSW? Good news, there is a lot to see and do! Here’s what should be on your list for the next long weekend.

Newcastle

Newcastle is a unique blend of beach culture and artistic influence. And, best of all, it’s only a short 2-hour drive from Sydney.

Newcastle is all about the beachy vibes, so take advantage of the sand beneath your toes! Here’s what we recommend you see and do:

  • Hit up the Newcastle City Farmers Markets – you’ll find all the local produce you can poke a stick at!
  • Explore the Foreshore Path by bike – grab a bike and head along the stunning foreshore. Bikes can be rented at Crowne Plaza or just outside the Maritime Museum – no better way to get around!
  • ANZAC Memorial Walk – stretching 450 metres from Strzelecki Lookout to Bar Beach, this newly completed walk is a must-do when in Newcastle.

Check out our Newcastle loans here

The Blue Mountains

If you haven’t seen the Blue Mountains for yourself it is definitely a must-do for your next weekend getaway! Only an hour and a half out of Sydney, the picturesque scenery coupled with the food, art, and culture will have you dragging your feet all the way home!

Here’s just some of what you should see and do in this stunning part of the world:

  • Kickaboom Coffee – this is seriously good coffee! You’ll need to fuel up before a big day of sightseeing… so, keep your eyes peeled for the big COFFEE sign!
  • Leura Cascades – nature is always good for the bank account and the Blue Mountains has a lot of it!
  • Three Sisters Walk – you can’t come to the Blue Mountains without visiting the Three Sisters! This one-of-a-kind rock formation is an absolute must-see.
  • Glow Worm Tunnel – a one of a kind experience in the heritage-listed Wollemi National Park. You can BYO torch and take a stroll through the 400m long tunnel.

Victoria

We all know that Victoria is famous for its outstanding coffee and excellent culinary experiences but, where are the best weekend getaways that won’t break the bank? We’ve done the hard work for you.

The Dandenong Ranges

If you’re looking to escape the hustle and bustle of Melbourne City then the Dandenong Ranges will be right up your alley. Only an hour’s drive from Melbourne, the Dandenong Ranges has plenty of natural beauty and quaint little towns to offer. Here’s all the must do’s for this perfect weekend escape…

  • Kokoda Memorial Walk – with 1000 steps in total, this is definitely a quad burner. But, we promise the scenery is worth the hike! There’s nothing quite like it.
  • Olinda – If you’re up for the village feel then we recommend taking a drive through the winding mountain roads of Olinda. There’s plenty in the way of amazing culinary experiences and we particularly recommend being on the lookout for the Olinda Sweet Co.

Phillip Island

There is so much nature to see on Phillip Island – we think you will be pleasantly surprised. Only a 2-hour drive from Melbourne and you would think you are in another world. Here are our top picks:

  • The Fairy Penguin Parade – if you only do one thing on Phillip Island, this has to be it! It is an absolutely amazing experience for all ages.
  • Nobbies Centre – after you’ve seen the penguins, why not check out the seals? Nobbies Centre is the large offshore rocks that are home to Australia’s largest colony of fur seals.
  • Koala Conservation Centre – if you love nature this is a must-do. See koalas in their natural habitat (a great experience if you’re taking the kids!)

Travelling On A Budget

If you’re looking at cheap getaways that won’t break the bank our hot tip is to plan ahead!

  • Book accommodation early. If you’re planning on an overnight stay, do your research. It’s worth finding out what your trip is going to cost before heading off.
  • Ask for suggestions. Hotel staff can offer suggestions regarding the fastest way to get around town and the best value when it comes to food and experiences.
  • Pack your own lunch. If you’re heading off on a day trip, why not pack your own lunch? This could save you a considerable amount of cash.
  • Look for the best flight deals. If you’re planning on heading interstate, then it’s a good idea to check out cheap flights.
  • Cheap flights for students. Remember, students can often get flights at discounted rates. Check out agents like Student Flights for deals.
  • Affordable tours. It might be handy to check out less expensive tour options… for example, hiring a bike to sightsee.
  • Weekend getaway deals for couples. Deals for couples really do exist, sometimes you even get a discount! So, this is something to look into (especially if you want to split the cost).
  • Best day to book flights. Yep, it’s a thing. There are certain days when flights are cheaper, so keep an eye out!

Want To Know More?

At Nifty, we’re the lender with a difference. We want to help you with the cash you need as quickly as possible. Our team is friendly and down-to-earth. So, why not check out a travel loan today? The application is 100% online and you could do it on your smartphone in just minutes! So, don’t sacrifice your next weekend away, let Nifty lend a hand! Apply for a loan now!