about marbias money
Welcome to Marbiasmoney.com.
I am Ms. Marbias.
Obviously, that is not my real name. I don’t want any publicity or fame.
That’s why I use Ms. Marbias as my pen name.
If you are wondering what I to here, let me explain in brief.
I started this website with two goals-
- Improve my own financial life.
- Help people like you to take control of your financial future.
Just 2 years back, I did not care about financial planning.
Then, something happened that changed my perceptions completely. I transformed from a hater to a fan.You can read the whole story here if you want.
I don’t want you to have a similar experience. I want to help you to take control before that.
The financial future for Indians aged 30 + are very uncertain-
- The interest rates in safe investment options are going down regularly.
- The pension system has been abolished.
- All kinds of investments (EPF, NPS, ULIP etc.) are slowly getting linked to the market.
- There is very little job security.
- Financial scams and frauds are happening regularly.
All these above changes in the system means you need to change your thinking too.
Time To Be Active
20 years back…
If you earned ₹20000 – ₹25000, you could manage your life easily.
You could pay your kid’s tuition fees, buy your monthly groceries etc. You could keep the rest in a bank account and get enough interest on it.
You can’t do it today.
Tuition fees have gone up. So has the price of household items.
But more than that, the interest on bank accounts have come down alarmingly. Older people who depend on monthly income based on fixed deposits are finding it hard to maintain their lives.
What should you do?
You can blame the Government. They have taken all the hard decisions that have made the situation so difficult.
You may be partially right. But will it solve your problem?
Instead of what caused this problem, I want you to focus on the solution.
The solution is, you must be active.
You must learn to change with the changing environment. I am trying to do it myself. I am trying to change the way I manage my money with every change that is happening around us.
I am still learning as I do it. And I want to share what I learn through Marbias Money.
You can read it. Learn it. Modify it according to your wish.
I believe in – #MyMoneyMyPlan.
How do we want to do it?
We shall publish articles, graphics and videos on Marbias Money. It will be related to all the factors that you need to know-
- Income & expenses.
- Life, health and other insurance.
- Mutual funds, shares and fixed deposits etc.
- PPF, EPF, NPS etc.
Feel free to use them to manage your own financial life better.
Also, if you feel that this website can help your friends, please share itwith them. It will help us serve more people.
Please Note : We do not offer any kind of investment or insurance advice.
Disclaimer: The contents on Marbiasmoney.com, tools or excel sheets etc. are personal opinions only. They do not constitute any recommendation or advise for investment or to buy or sell insurance, financial securities, mutual funds etc. We also don’t claim any accuracy about any past or future information or prediction provided in the articles. You must use such information at your own risk. You must also consult your financial advisor and exercise your own due diligence before making any investment decisions.