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The months of Ramadan and Eid are certainly a blessed time for Muslim friends around the world. Unfortunately, not a few of you are faced with financial challenges in the run-up to Lebaran.
Many people fail to save during Ramadan because they have not been able to manage their finances properly. Therefore, you can follow the saving tips in Ramadan to keep your finances safe until the day of Lebaran later.
It is necessary to organize finances in the months of Ramadan and Lebaran because it has a great impact or in other words affects a person's financial condition. Perhaps some people feel that in the fasting month, their expenses will decrease.
Unfortunately, more people in Ramadan spend more money than usual. They make many transactions and spend a lot of money to open with friends, buy new clothes and home furnishings, even for consumption in the form of meals during Sahur and Iftar.
So, with good financial management, you can ensure that basic needs during fasting and Eid are met without worrying about financial problems.
It's not just that, budgeting A good one will help you prioritize spending, make a realistic budget, and even pay your debts well during the fasting month.
So, how do we manage finances wisely in this month of Ramadan? Come on, check out the full review below.
Using financial management apps is one of the wise ways to organize finances in Ramadan. Starting from track daily to monthly expenses, manage the budget during Ramadan, to know the percentage of expenses and income.
With the help of technology, of course, you can easily see daily transactions, dividing the budget according to certain categories, until it makes it easier for you to identify areas that need savings.
Indeed, financial preparation should be done long before the fasting month but, that does not mean that you can not do it now, it is also the case that, with the help of FINETIKS application, you can do budgeting, allocation of funds, up to even set financial goals for Eid later.
If you want ease in the process budgeting and manage finances such as saving, frugality, avoiding impulsive buying, have what you want to achieve in Eid al-Fitr, you can go directly downloading FINETIKS applications in Google Play and also App Store.
Most financial experts recommend preparing your finances a few weeks before Ramadan begins. In addition to giving you time to plan and adjust your budget, you can also easily meet your daily needs during the fasting month.
But, if you haven't had time to plan and adjust budget, You can do it now. After financial planning and adjustment, you can do review and identify financial outposts that need austerity.
If you already know how to manage finances wisely during Lebaran, you also need to know how to save during Ramadan. Of course, you make this effort to keep your finances safe until Lebaran later.
Here are 7 ways to save during Ramadan to Lebaran that you can follow:
During Ramadan, make sure you create and adjust a financial plan such as drawing up a budget according to the heading (regular expenditure items, investments, to emergency funds) to budgeting for Ramadan necessities such as sahur and breaking the fast.
During the month of Ramadan, you are sure to see a lot of discounts. Yes, to optimize spending in the fasting month, you can take advantage of discounts and promos during the fasting month but remember to use discounts and promos that suit your needs.
Difference from budgeting Previously, you could divide expenses into 2, namely basic necessities expenses and Holiday expenses. In the Hari Hari expenses category, you can note things like lebaran shirts, lebaran cakes, THR, homecoming transportation, and others.
The way to save on the fourth month of Ramadan to Lebaran is to make a list of Iftar and Sahur menus. In addition to being more frugal, you are also relieved because you do not need to be dizzy and haunted by questions like “What is your break today?”
If you notice, some basic necessities go up during the fasting month. So try to shop early but don't overdo it, it's a pity if you break the break or eat with food that is not already there fresh.
An important way is to keep track of your daily expenses. Keeping records will make it easier for you to monitor where the hell your money is going?
It turns out that it's not just relaciones If you need commitment, you also need to manage your money. Of course, it would be useless if you just made a plan but didn't commit to it.
Finally, one of the ways that is rarely done but quite important to implement is discussion with the people closest to you. That is, you can communicate that you are saving during Ramadan to prevent conflicts with family, relatives, or friends.
Need additional tips to stay frugal in Ramadan and keep your finances safe until Lebaran later? Take a look at the extra tips from FINETIKS!
Here are 5 financial tips in Ramadan that can help you save. Simple and easy to do, let's apply the 5 tips below!
Managing finances during Ramadan and Lebaran is not an easy task, but with good discipline and planning, you will definitely feel financial ease and tranquility.
Always prioritize needs, involve all family members in financial planning, and choose the right financial strategy to implement. Don't forget to share this article with your friends, relatives, and family!
