Philosophy

Marksman's Philosophy of Finance Management

• Always exercise financial prudence.
• All efforts shall be made to hedge against a 3% inflation rate, be it by investment, using high interest bank accounts, cashback or rebates.
• Get credit cards only if it complements your existing lifestyle or expected changes to lifestyle needs.
• Always pay your bills on time.
• Never spend beyond your means.
• While paying off debts is good, debt should not be paid in a manner that compromises your emergency funds or free-cash flow.
• The focus of income investing is actual gains from dividends, distribution and bond coupons instead of paper gains.