- 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.
Philosophy
Marksman's Philosophy of Finance Management
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