Alpha Finance Blog

The Alpha Finance Blog for tips and information regarding loans and finance.

Aside from fuel prices and parts, car repairs are costly. The last thing you need right now is to have issues with your vehicle, especially while you’re on the road.

Your car takes you wherever you need to go, so keeping it in good condition is very important, and taking preventive measures will spare you from a lot of trouble and money.

If you can afford to get a new car after several years, it is much better to give your current vehicle the care it deserves, instead of always spending needlessly on a new one.

woman holding car keys

The operating costs that can burn a hole in your wallet if you don’t pay attention.

For many of us, owning a car is essential. Whether you are driving to work, getting the kids to school, or just escaping for the weekend – a car can mean freedom! But it comes at a cost and smart budgeting to stay on top of things if you want to remain ahead of the bills.

credit mistakes

Part of the reason people decide to get credit cards is the convenience that it offers. Imagine going to the grocery store to buy dinner and using a piece of plastic to pay for everything. It’s amazing.

Because of the convenience that these cards offer, people can sometimes take it for granted. And when that happens, mistakes are made. Mistakes that otherwise, would have been avoidable in the first place.

Here are some of the most common mistakes credit card holders make and how you can avoid it:


car maintenance

How exciting! You have just got a car and now you have the freedom to go where you want without any hassle. Your challenge now is to manage the running costs because the last thing you are those unexpected repair bills. Luckily today’s late model vehicles come with an array of warning options, but if you choose to ignore the blinking lights and weird noises your car starts making, then be ready to shell out a large sum to get your car fixed.

no debt save money

Paying a whole lot of debt can be difficult and unmanageable, but it does not have to affect your quality of life. Having extra money doesn’t mean that it should all go to paying off debts, and you definitely do not have to suffer just because you have a drawer full of bills to pay.

If you want to live a meaningful and healthy life despite your debts, then listen up and heed our advice.

atm cash advance credit cards

Owning a credit card is ultimately convenient, especially when you are stuck in times of emergencies. One particular cash advance perk allows you to easily withdraw cash using your credit card, as long as you have not reached your credit limit just yet.

car financing

Let’s face it: it is really difficult to start saving money. You would need huge amounts of motivation and discipline, as temptations are everywhere. It is doable and possible though - you just need some tips and inspiration, which we will both be talking about today.

credit score credit rating

As we always say and hear: “desperate times call for desperate measures”. Unfortunately, this is true, especially if a person is deep in debt and are looking for ways to improve their credit score. Sure, trying old-fashioned ways such as paying your bills on time and never missing a payment would definitely work, but still, credit scores are tricky and may need a lot of work.

It can get tiring to wait for your credit score to improve, and thus we are giving you extreme ways to turn your credit score from negative to positive.

All credit cards have a credit limit, which is the maximum amount allotted for each credit card user. Different accounts have different credit limits, depending on the credit card that you have applied for. It is also considered during the application process, wherein the applicant submit their needed documents.

celebrate family

Everyone today is trying to be frugal, because why not? Prices are going up, but our savings are not exactly at a level where we can be completely satisfied. However, as Australians, we love to celebrate. We are naturally festive, and we basically celebrate everything in life: birthdays, marriage, anniversaries, baptism, easter, graduation, and a whole lot more!