Alpha Finance Blog

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

It’s 3 days before payday, and you only have $50 in your wallet. Your bank account is empty, and you have no savings to make it until payday. So, what do you do? You easily rely on canned goods, walking to the office to save up on gas, and processed food for breakfast, lunch, and dinner.

Right after your pay comes in, you spend it on expensive meals, clothes, and stuff that you don’t really need. You live like a millionaire for a few days, and lose your money in just a course of a few days.

Most of us get excited during pay day, making us blow our money on useless stuff. According to the poll, Aussies waste more than $20 billion per year on things they don’t really need. Curious as to what’s keeping you from saving money? Read on to find out what you can cut back on, so you can add money to your savings ASAP.

Most people dream about getting rich, but of course, you have to work hard to attain every dream. Almost everyone dreams of being a millionaire or even a billionaire, because who wouldn’t want to have a lot of money, right?

Most car dealers have plenty of tricks under their sleeves, and we can’t deny it - most of those tricks work. We sometimes get annoyed of their sales pitches though, but it’s their job, and the least we can do is inform ourselves so we know what to do when planning to get a car.

Here, we discuss some of the most common things that car dealers say, and what they truly mean by it:

Car Dealer: Congratulations on your new car! It would look amazing with this pinstripe though! And oh, this tint is something that you definitely should get!

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.