Ramadan, the blessed month that Muslims look forward to every year, is a time to increase worship and faith and a golden opportunity to improve financial habits. Managing finances wisely during Ramadan can help people manage their expenses more efficiently and ensure they can worship without financial burden. Here are some tips that can help you manage your finances during the holy month of Ramadan:
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Make a Budget Plan
Before entering Ramadan, it is essential to make a clear budget plan. Set spending targets for basic needs such as food, bills, emergency funds, zakat, and alms. Remember to allocate funds for special needs during Ramadan, such as preparing for sahur and breaking the fast with your family. You can also open a MAS Saving account to separate your savings.
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Prioritize Needs
When allocating your budget, prioritize your needs. Remember that zakat and sadaqah are obligations that must be fulfilled during Ramadan. Therefore, prioritize your needs and bills before spending money on secondary things.
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Make a List of Sahur and Iftar Menu
One way to save money is by making a grocery list according to the suhoor and iftar menu plan. This planning helps you not to be impulsive in buying food beyond your needs.
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Shop Wisely
If you need to shop for your Ramadan needs, choose the right time, such as when there are special discounts or promos. Make a shopping list before going to the store, and consider buying in bulk to get wholesale prices. Also, avoid buying unnecessary or luxurious items that may upset your budget. Use QRIS from MAS Mobile to make your shopping transactions more practical and well-recorded.
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Evaluate and Adjust
Keep track of your spending during Ramadan and periodically evaluate whether you adhere to your budget plan. Adjust your budget to be more realistic with your financial situation if necessary. Remember that Ramadan is a time to improve yourself, including financial management.
Following the tips above, you can manage your finances more wisely during Ramadan by focusing on worship and fasting with a whole heart and peace of mind. Check out more finance tips here.
Source: sikapiuangmu.ojk.go.id