Alpha Finance Blog

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

These days, small business owners are turning to bank loans, as investors are unfortunately offering tougher terms in return. Banks usually ask for tangible items such as personal homes and bank accounts from their customers, which is actually a dangerous feat for small business owners. They risk losing not only their businesses, but also the house that they are living in, or even their own personal savings. Remember that if you lose your business, you lose your personal assets as well.

These days, owning a car is becoming a necessity instead of a luxury. Everyone's headed to the office every single day, parents have to drive their children to school, and families need a car that they can always use for the holidays. However though, not everyone can afford a brand new car, and paying it upfront is kind of not an option. The good news is that you can turn to car finance if you really need one but still can’t afford it. All you have to do is listen to our advice, and you’re sure to get the car that you need to make your life more comfortable and convenient.

In this fast-paced life, owning a vehicle is now becoming a necessity instead of luxury. Commuting is becoming more difficult every day, and the roads are getting more and more congested. You weigh out your options, and decide that you really do need a car - but what if you can’t afford a brand new one just yet?

These days, becoming debt-free seems almost impossible. The convenience of debit and credit cards makes it easy to be buried deep down in debt, especially if you’re not one to keep track of your expenses. You spend money on so much unnecessary things, and you have no control of yourself when it comes to shopping. Sounds familiar? Well, you’re reading the right article.

If you ask a number of shopaholics about the latest trend on shopping, I’m sure a lot of them will answer “online shopping”. A lot of stores are taking it online to sell their stuff, because why not? It’s a lot more convenient for both the buyer and the seller - the seller doesn’t have to pay for rent or buy a store to sell their stuff, and the buyers do not have to go out of their house to shop. It’s actually a win-win situation.

We all know that February is the month of love, and the month that couples get excited for every year. A lot of people spend so much money during this time, with businesses such as flower shops and restaurants booming as customers try to reserve their slots and have their flower arrangements ready before February 14.

Living in Melbourne can be expensive - the locals can attest to this. The costs are continuously rising, and people are finding it hard to keep up. However, being a Melburnian isn’t at all bad, as the city offers a lot of attractions, and is actually one of the most liveable places and cities in the world (setting the cost of living aside, of course). There are actually plenty of ways that you can do to save while living here, you just have to know where to look and what to do.

1. Be wise with public transport.

Do you know that you can save tons of bucks just by buying the right appliances for your home? Certain appliances are basic necessities (such as refrigerator, oven, microwave, and the likes), and they are usually the culprits as to why your energy bill is so high. However, there are some appliances that you can replace or even use for different chores.

Listed below is a compilation of some of the most common appliances that you can use to reduce your energy bills.

Smart Power Bands

February is coming, and so is Valentine’s Day. Couples are now starting to plan what city or country they are going to visit, and what gifts they are going to give each other. Red is going to be the favourite colour for sure, and flowers are going to be in demand. Valentine’s is not only for couples, though. You can celebrate it with your family and friends, or even your pets - it doesn’t really matter as long as you get to spend it with the one/s you love.

A new year is here, yet a lot of people still struggle whenever it comes to earning and saving money. Many individuals have a 9-5 job, but is it enough to sustain our basic needs and wants? Here, we show you how to keep your resolutions until the end of the year by earning extra money.