I know that many of you out there are having a roller coaster ride this year 2021.
Some cannot sleep at night. Heart feels uneasy.
Debts around your waist.
Insurmountable challenges weight down on your shoulders (and the burden feels just too heavy!) Many are very worried about the future. 🙁
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The Covid19 pandemic around the world has impacted us again in Singapore!
It’s a strange kind of feeling where we now have heightened measures this time round
which feels quite similar to the painful circuit breaker we had last year.
Officially we Muslims in Singapore only celebrated 3 days of Hari Raya Puasa with 5 unique visitors per visit. And now, we are back home
with our children occupied with full home based learning.
Back to square 1.
The point where we first started. 🙁
I took some time to reflect on my life and read books for inspiration to lift myself up.
Maintain my sanity.
And make myself feel better.
I want to share these life saving secrets with you.
I want to tell you, despite all challenges, all setbacks that befall us, never lose hope that the brighter future awaits us.
Presenting….
5 Secret Ways To Make Yourself Feel Better When Handling Challenges In Your Life
Read on…
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1. When life gives you lemons, make lemonade.
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I always believe this.
Focus. Be in Control.
Take charge. Empower.
Be at the driver’s seat. Steer the wheel.
And the only way you can do that is by following this mantra. When life gives you lemons, you turn that sour lemons into a sweet lemonade drink. Add a lot of sugar to it. 🙂
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Basically, turn your ‘challenges’ into “something you can be grateful for”.
Alhamdulillah…..Reframe your challenge No 1 Alhamdulillah…. Reframe your challenge No 2 Alhamdulillah….Reframe your challenge No 3 Alhamdulillah….Reframe your challenge No 4 Alhamdulillah…Reframe your challenge No 5
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Examples for me…. 🙂
Alhamdulillah. I can now work from home and can spend more time with my family.
Alhamdulillah. I can now pray awal waktu for my 5 daily prayers at home. I can be a full time imam for my family.
Subuh, Zuhur, Asar, Maghrib and Isyak 🙂
Alhamdulillah. Responsible measures are finally in place to ensure that Singapore is one of the safest places on this earth.
Alhamdulillah. Since offline strategies are non existent, I need to learn & embrace NEW social media strategies like Instagram and TikTok to reach my customers.
Alhamdulillah. Now is a good time to watch my diet since we can’t dine out at restaurants.
Alhamdulillah Ala Kulli Hal. All praise to Allah S.W.T. for everything…
When you do this, you are placing yourself in a more EMPOWERING position to confront any challenges in your life.
You see things from a different perspective.
You feel in control.
I have been doing it for a while to maintain sanity and
make myself feel better.
Especially when I am down.
And I need to rise up back! It works for me most of the time! Try it for yourself! 🙂
2. Allah does not burden a soul beyond it can bear
In life, definitely there will be challenges.
Yet.
Sometimes, I feel that the challenge is too BIG for me to overcome.
Tried to reframe. Yet felt powerless.
Feel hopeless.
Helpless. Weak.
Like nothing can be done. Nothing!
When that happened, I recall this ayat from Allah S.W.T.
ALLAH does not burden a soul beyond it can bear
ALLAH does not burden a soul beyond it can bear
ALLAH does not burden a soul beyond it can bear
I always believe that everything that happens to us happens for a reason. And the reason is to serve us.
For every musibah that befalls us, there will be hikmah.
We have to be patient with Allah’s test and move ahead.
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3. What doesn’t kill you makes you stronger
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I realised that whenever challenges come to me, it is a sign that Allah S.W.T
wants to lift my martabat.
wants to make me stronger.
wants to prepare me for something big.
We won’t know what we are capable of unless we persevere. We cannot discover new oceans unless we have the courage to lose sight of the shores.
Time and time again what I have learnt is that when we face setback.
When life throws stones at us. And we feel pain.
Endure it a bit. Tahan.
Because pain is temporary.
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Take 1 step forward.
And 1 more.
And 1 more.
Whatever it is, just keep moving forward.
Soon you will realise that all this pain is over
and you can grasp your goals with your 2 hands.
Good things will come.
Never falter. Or worst, never quit.
Because pain is temporary. Quitting lasts forever.
4. Do your best to steer away from Riba
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Within your hearts, plant a niat that you will do your best to steer away from RIBA.
From interest based loans. Allah S.W.T. told us in the Holy Quran 1400 years ago that Riba is Haram.
There is no barakah in it.
My friends,
Don’t be over-consumed with the vicious rat race.
Never compare yourself with others.
Wow! That person has nice car.
Wow! That person has nice house.
Wow! That person has XXXX…
List never ends.
Keeping up a lifestyle you can’t afford.
And when you can’t afford, you take loans with interest.
Again. There is no blessings in it.
Impossible for Allah to set the secret of happiness and contentment of the heart on something that is prohibited.
Too many people spend money they don’t have
for the things they don’t need,
to impress people they don’t like.
Free yourself from the chains of Riba. You will feel good.
You will nurse the unease in your heart and will be always be at peace with yourself.
You will feel better and live life on your own terms.
Not on other peoples’ expectations!
If you have the inkling to compare yourself with others, go on and compare.
Yet make it a source of inspiration.
And not a cause of depression.
And if you feel stressed, very easy. Close facebook. Close instagram. Close tiktok.
Just focus on yourself. Have faith in yourself.
Focus ONLY on your progress.
Because Your Progress = Your Happiness!
5. You will be completely feel at ease when you firmly believe that everything in this world happens by the will of Allah
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We always hear of this Arabic proverb.
Man Jadda, Wa Jadda.
Whoever strives shall succeed.
This time round, change it to Man Fi Sajaddah, Wa Jaddah.
My friends,
Our hard work is not just the hustle and bustle with fellow human beings on this planet. Our hard work is equally, if not MORE important on the sajadah.
On the prayer mat when we sujud to Allah S.W.T.
Allah hear our cries for help. Release all the burdens on your shoulder.
Seek his divine intervention.
Surrender to Allah.
Understand this.
Whatever that happens in this world is beyond our control
Don’t be despaired on things that you cannot control.
Don’t think…..
that you can stop the rain from falling.
The sun from rising from the east.
The moon from glowing.
The stars from twinkling bright at night.
Don’t.
If you have done your best and things still happen, believe me that its meant to be.
Don’t say, if I do this. This wont happen.
If I do that, that wont happen.
I should have done this.
I should have done that.
Instead say… Everything happens by the will of Allah. Whatever He wills happens,
and whatever he does not will does not happen.
We do our best. Let Allah do the rest.
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(An advice that I remind myself when I was hospitalised 2 years ago. Very relevant today!)
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Now… I hope you have benefited from my personal sharing, 5 Secret Ways To Make You Feel Better When Handling Challenges In Your Life…
If you are seeking a mentor, coach, consultant to share with you practical aspects on how you can plan your finance, the shariah compliant way in Singapore, I am always ready to help you.
Alhamdulillah. Since year 2007, I have been privileged to advise thousands of Singaporean Muslims on planning their finance in Singapore.
And of course, there were many concepts
that I used to make my financial planning presentation more vibrant, relatable and meaningful. 🙂
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(Alhamdulillah. Blessed to have the opportunity to share my financial planning ideas recently with our Brothers and Sisters in Pasir Ris Punggol.)
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I love to use Malay Idioms (Peribahasa) in my financial planning presentations.
I love Malay Idioms because they are evergreen and full of wisdom that transcends ages.
Peribahasa that were commonly used during the P Ramlee time of our Pakcik Pakcik, Makcik Makcik
Still applicable today in the “Instagram/Tik Tok”year of 2021.
And will be also be applicable in the future years to come!
Insya’Allah! 🙂
Amongst them,
these are the 7 most popular Malay Idioms that I use to help my clients plan their finance better in Singapore.
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1) Sediakan payung sebelum hujan
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Prepare yourself an umbrella before it rains.
In my professional opinion, you must not only prepare yourself an umbrella before it rains.
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You must make sure that your umbrella is BIG ENOUGH so that you and your family don’t get wet when it rains.
In financial planning context,
how do you prepare and ensure that your “umbrella” is BIG ENOUGH to protect you and your family when in need?
Firstly ensure that you have at least 3-6 months of emergency funds in your bank account at all times.
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If you spend $3000/mth.
$3000 X 3 months = $9000
You need to ensure that you always have $9000 in your bank account at all time.
Why?
If you fall sick, you need to see the doctor.
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To see the doctor, you need money. You dont want to susahkan your family members by borrowing their money.
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And tomorrow, nauzubillah if suddenly you got retrenched,
at least you can survive 3-6 months while looking for another job…..
Got some space to breathe. Not kancheong!
This is very important my friends.
Because we don’t know how long this Covid19 pandemic is here to stay! So make sure that you have 3-6 months emergency funds with you at all times! 🙂
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Secondly, you need to make sure that both you and your family are comprehensively covered with a HOSPITAL INSURANCE PLAN.
In my many years experience as an Islamic Financial Consultant in Singapore,
I realize not all people are in debts due to poor financial management.
Some of them are due to victim of circumstances.
Family and loved ones hospitalised and saddled with hefty medical bills.
And they started maxing their credit card debts to pay those bills.
The reason why they did so because they weren’t eligible for any financial assistance based on their income.
They then face difficulties in paying off their credit card bills.
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My friends. A simple hospital insurance plan can help save you from this kind of situation.
A hospital insurance plan can help cover your bills.
(I was hospitalised in year 2019 due to a viral infection.)
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Alhamdulillah my hospital bills of $29,144 were taken care by my hospital insurance plan!
If I did not have a comprehensive hospital insurance plan in place, I can look you in the eye and tell you. Koyak beb my pocket! 🙂
2) Alah bisa, tegal biasa
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Alah bisa, tegal biasa.
Something difficult will become easier if we always do them repeatedly.
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As an Islamic Financial Planner, I always share with my clients that there are 2 types of money habits.
Good Money Habits
Bad Money Habits
Examples of Good Money Habits
Save 1st, then spend.
Have enough emergency funds
Have Hospital insurance plans.
Prudent and responsible financial management
Examples of Bad Money Habits
Boros. Spend more than you earn. Borrow other people $$$ and never pay back.
Pay your bills late
Failing to plan for your future
Sometimes when we have been so used to BAD MONEY HABITS for many years of our lives.
It becomes difficult to CHANGE that bad money habits to good money habits.
I always share with my clients. Alah bisa, tegal biasa.
Something difficult will become easier if we always do them repeatedly.
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Alaaaaaahhhh….. It is like when you first learnt to ride a bicycle.
You lose your balance, you fall.
You rise up back!
You fall again and again…But you never give up!!
Soon riding a bicycle becomes a 2nd nature to you.
Anytime anyone gives you a bicycle, you can ride it easily.
Alah bisa, tegal biasa.
At first difficult…..
You do it repeatedly… After that, it becomes easy and becomes a 2nd nature to you!
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My friends,
From my research, if we do something 21 days repeatedly, a new habit will be formed…
I want to help you install a POSITIVE money habit!
Everyday we go out.
We spend money.
We spend money at the market. We spend money at the coffeeshop.
We spend money at the shopping malls. For the next 21 days, what I want you to do is that I want you to leave the dollar notes in your wallet.
And take out all the coins and put in a tabung…
(If you don’t have a tabung, you can start with biscuit tin first! Most importantly, start doing it today! )
Do it for 21 days consecutively and Insya’Allah you will find yourself installing a new POSITIVE money habit!
Saving money everyday becomes a 2nd nature to you. Alah bisa, tegal biasa! 🙂
3) Sedikit sedikit, lama lama jadi bukit
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Literally, bit by bit, after a while, it becomes a hill!
Do small things. Repeat over and over again until it becomes big.
Some people complained to me.
“Helmi. Difficult lah for me to save money. Kais pagi, makan pagi. Kais petang, makan petang.”
How to save money?
I always share with them. No money today does not mean no money forever! 🙂
So how can you kickstart your journey to save money bit by bit and until you have a substantial amount?
Introducing you the 52 week Money Challenge
For those who do not have emergency funds in your bank account,
you can do this as part of your new year resolution to be self sufficient.
1st week, save $1. 2nd week, increase.You save $2 for that week.
Following week, increase some more $3 for that week. Sedikit sedikit, lama lama jadi bukit.
By end year 2021, you would have saved $1378 Cash!
Add this money to the money you save in the tabung for strategy No 2,
you will start to realise that Alhamdulillah you have finally saved up your 3-6 months emergency funds!
4) Genggam Bara Api Biar Sampai Jadi Arang
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Genggam Bara Api Biar Sampai Jadi Arang.
When you are doing or starting a challenging task, you need to pursue it until you have reached your goal.
My friends, A lot of people can begin something.But not many can finish it.
One of the characteristic of successful people.
They begin something and they make sure they see it through the end. They finish what they started!
My friends, There is no magic pill that you swallow and suddenly you have a lot of money.
Success comes in a package of hard work.
Rejections.
Failures.
Mistakes.
Criticisms. All the sacrifices that these super successful people go through.
And the most important thing is never give up.
Work until you achieve your goals.
You do things nonchalantly, you will get meagre, lacklustre and nonchalant results.
My friends,
Success takes time. No one in this world gets married today and gets a child tomorrow.
It involves process. Be patient.
and trust the process.
People who give excuses. Their lives will be full of excuses.
You give your best, you get the best!
Successful people begin something and they make sure they see it through the end. Genggam Bara Api Biar Sampai Jadi Arang!
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5) Melentur Buluh Biarlah Dari Rebungnya
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Literal translation “To bend a bamboo, start when it’s a shoot.”.
Teach your child good money habits when they are young.
Example…
To me, this is not the right way of educating our children on money.
Stop doing that.
If you have been doing that….
Save first and then spend.
When you inculcate this good money habit of, “Save First, Then Spend” to your children.
When they grow up and start working, that is what they are going to do when they receive their paycheck.
Save first and spend! Alhamdulillah….
We fulfil our obligations as a financially educated parent.
And what is the most beautiful part?
They will then educate their children of the same money principles, “Save Money First and then Spend.”
Masya’Allah…. You are inculcating good money habits not just for yourself or your children. You are inculcating good money habits for your generations to come!
Melentur Buluh Biarlah Dari Rebungnya! 🙂
6) Ukur Baju Di Badan Sendiri
Ukur Baju Di Badan Sendiri.
Spend according to your kemampuan (affordability)
My friends,
we need to differentiate between needs and wants. Needs… Keperluan. Wants… Kemahuan.
Needs is MUST HAVE.
Essential. Something that you must have to survive.
Wants is something good to have.
Not essential for survival.
Example of needs… House, transport, insurance, food
Example of wants…
Staycations, Entertainment, Designer Clothes, Dine at expensive Restaurants
My friends,
In order to be financially stable, we must be prudent with how we spend our money….
Don’t Spend Money that you don’t have to impress people you don’t like.
Ukur Baju Di Badan Sendiri. Spend according to your kemampuan (affordability)
7) Air Dicincang Tidak Akan Putus
Air dicincang tidak akan putus.
‘Blood is thicker than water’.
I am a firm advocate of this peribahasa.
Because why?
Because I always believe that there is rezeki in silaturahim.
We know the financial planning strategies already.
At the same time we know that rezeki is all from the source. Allah S.W.T.
If our parents are still alive, we are very lucky.
Always ask blessings and doa from our parents. They are our keramat hidup. Redha dia, redha Allah.
And maintain good relationship with others.
If sometimes, you quarrel with others, do your very best to forgive and mend that relationship.
I know its difficult, but do your best.
Seek forgivesness and mend ties.
Because why?
Because there is rezeki in silaturahim.
(Me and my family)
This is my family. Alhamdulillah, they are super supportive of what I do. I regard them as my strength.
As my BIG WHY to persevere in what I do! 🙂
Air dicincang tidak akan putus! 🙂
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I would like to wrap my presentation with a serangkap pantun.
Kusangkakan panas sampai ke petang
Rupanya hujan di tengah hari
Berjimat cermat bila ada wang
Supaya tenang di kemudian hari
Thank you my friends! 🙂
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Now… I hope you have benefited from my personal sharing, 7 Malay Idioms To Help You Plan Your Finance Better in Singapore…
If you are seeking a mentor, coach, consultant to share with you practical aspects on how you can plan your finance, the shariah compliant way in Singapore, I am always ready to help you.
Time flies.
Today is already the last few days we Muslims celebrate Hari Raya Puasa. 🙂
Every Hari Raya Puasa is special to me.
Nevertheless, this year Hari Raya Puasa is EXTRAspecial to me.
This is because Alhamdulillah….
It is the first Hari Raya my wife and I celebrate with our 3 months old baby, Yaslyn Inara. 🙂
(Myself, my wife and my baby)
Her laughter. Her cries. Her comel (super cute) cutie pie face melts my heart.
And it is such a joy looking at her cheeky and innocent smile (especially when she feels good after we clean and change her diapers).
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Hari Raya Puasa brings a lot of memories to me.
And below are 3 things I like about Hari Raya Puasa most and how it relates to Islamic Financial Planning in Singapore. 🙂
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1) Takbir Raya
I always look forward to the melodic tune of takbir raya, as I am deeply moved by the meaning of it. Takbir raya never fails to touch my heart.
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Allahu Akbar. Allahu Akbar. Allahu Akbar.
Allah is great. Allah is great. Allah is great.
La ilaha illallah Allahu Akbar, Allahu Akbar walilahi ilhamd
There is no God, but Allah Allah is Great, Allah is Great; to Him belongs all Praise
It reminds me that no matter how great or how grand we plan our finances or our business,
Allah S.W.T. is the master, the best of all planners.
Allah S.W.T. is the greatest.
We can put in 99% of our effort to plan and work wholeheartedly to achieve our goals.
But if Allah S.W.T does not grant us that 1%, we will never achieve the goals that we plan and work for.
We can work 13-14 hours a day to achieve our financial/business goals.
But without Allah’s blessing, our financial/business goals will remain a distant dream.
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So remember, in everything we plan for.
Be it our financial goals.
Our business goals.
Our relationship goals.
Make doa to Allah S.W.T. that Allah S.W.T. helps us to achieve them.
After that, put in MASSIVE effort and tawakkal.
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2) Hari Raya Visiting
Hari Raya is also that time of the year where you get to visit your family members.
Visiting relatives is a great practice to strengthen the ukhwah or bond between families.
After all, families are the founding blocks of any society.
If we’re not peaceful or loving at this level, how do expect the ummah to be peaceful and loving also? 🙂
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It’s also a great time to catch up on everyone’s lives and at the same time, seek forgiveness for any transgressions that had happened over the year.
Sometimes we may think we have no problem with our aunts or cousins etc, but perhaps there may have been a time where your words had unknowingly hurt them.
In the Quran, Allah encourages us to forgive one another if we expect His forgiveness.
So what better way to start than seeking forgiveness from your own family members?
This practice helps gel the relationship between family members.
(My relatives who are amongst the first few visitors to my house)
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In fact, many times during my Islamic Financial Planning, I emphasize the importance of silaturahmi.
Anas ibn Malik reported: The Messenger of Allah, peace and blessings be upon him, said, “Whoever is pleased to have his provision expanded and his life span extended, then he should keep good relations with his family.”
Source: Sahih al-Bukhari 1961, Sahih Muslim 2557
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Prophet Muhammad (Peace Be Upon Him) said: “No person severs ties of kinship would enter Paradise.”
[Reported by Muslim 2556]
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“Learn enough about your lineage to facilitate keeping your ties of kinship. For indeed keeping the ties of kinship encourages affection among the relatives, increases the wealth, and increases the lifespan.”
(HR Imam Tirmidzi)
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3) The Joy Of Giving Duit Raya
Yes. As a kid, I love to go Hari Raya because I get Duit Raya.
We jokingly refer that as “Duit Raya Collection”. 🙂
(My daughter’s duit raya for this Shawal)
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When we are adults now, we’re no longer collecting but giving.
There’s joy in giving out duit raya.
It’s such a pleasure to see the bright smiles of kids with their laughters. 🙂
But you don’t only give the kids.
If you’re able to afford it, don’t forget to gift your elders with duit raya too.
The appreciative looks of our elders will warm the heart; you’re not only making them happy but you’re also racking up points on your good deeds scale, Insya’Allah.
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In Islamic Financial Planning, I advocate not only paying our obligatory zakat, but also making more donations.
During Ramadan, we’re always making conscious effort to donate, because we know the blessed month carries hefty rewards.
During Hari Raya, the practice of duit raya is also a form of donation.
But outside these months, at times, some of us tend to lax a bit on donations.
So a good practice in Islamic Financial Planning is to make conscious donations.
Perhaps you may want to consider setting up auto GIRO deduction for one or a few charitable organizations. This will be part of your monthly budget, which your financial planner can help draw up.
For all my clients, you know that you have an option to donate a specific percentage of your monthly premium contribution to charity.
(My clients have an option to donate part of their monthly premiums to charity)
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In my Islamic Financial Planning, I share the importance and benefits of donating your money.
Abdullah ibn Umar reported: Prophet Muhammad (Peace And Blessings Be Upon Him) was upon the pulpit mentioning charity and abstaining from begging and he said, “The upper hand is better than the lower hand, the upper hand being the one that gives and the lower hand being the one that receives.”
Source: Sahih Muslim 1033
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Prophet Muhammad (Peace and Blessings Be Upon Him) said: “Allah loves the God-fearing rich man [who gives much in charity but still] remains obscure and uncelebrated.” (Muslim)
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At the end of the day, we not only want to accumulate our wealth. We seek baraqah in it.
We pray that we get blessings from Allah S.W.T. in whatever we do,
especially when its comes to work for our rezeki on this earth.
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That sums up the 3 things I like about Hari Raya Puasa and how it relates to Islamic Financial Planning in Singapore.
If you are looking on the practical aspects on how you can save, accumulate and grow your money the shariah compliant way in Singapore,
you can always whatsapp/sms me at 96520134 to schedule a FREE consultation.
Or perhaps click here to schedule an appointment.
You will want to schedule it asap because I can only accomodate 5 slots per week.
And next week, I will be heading for my long holiday to Oman and Dubai. Insya’Allah.
Time flies… Now, we are moving to the third week of Ramadan. 🙂
Alhamdulillah… For the past 1 week, I have a flurry of clients, asking me on the existing cash values of their insurance policies.
My clients need to know the cash value of their insurance policiesso that they can calculate collectively, how much zakat to pay for the year.
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Zakat which literally means purification is the 3rd Pillar Of Islam.
Allah (S.W.T) has made Zakat compulsory on all Muslims. It is a religious obligation for all Muslims who meet the necessary criteria of wealth.
Here, to give Zakat implies purifying your wealth and soul by giving a portion of your wealth to those in need. The word Zakat appears in the Holy Quran a total of 32 times.
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There are 2 types of Zakat.
1) Zakat Fitrah
Firstly, Zakat Fitrah.
We pay Zakat Fitrah in the month of Ramadan, before Eid prayers.
The Zakat Fitrah rate that is obligatory on every person is one sa’ or 2.3kg of the staple food of the territory in which the person is in.
In Singapore, the staple food is rice.
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Since 2005, Muis has introduced a two-tier Zakat Fitrah rate.
This is in accordance with the Syari’ah and allows the payer to choose the rate that is most suitable for them based on their daily consumption.
Normal Rate ($5.10 per person in 1437H / 2016):
Based on the median price of 2.3kg of rice (normal/average grade) that is consumed as a staple.
Higher Rate ($6.90 per person in 1437H / 2016):
Based on the median price of 2.3kg of rice (higher grade) that is consumed as a staple.
(MUIS Website)
2) Zakat Harta
2ndly, is Zakat Harta.
Zakat on your wealth.
For those of you, who have cooperative insurance plans or investment in Takaful fund with me, you can just SMS/whatsapp me and I will tell you the existing cash value of your policies.
OR you can choose to check your existing cash value yourself using ME@INCOME.
-Go to income.com.sg
– At the top right hand corner, you will see, ME@INCOME LOGIN. Log in from there to check the cash value of all your policies with me.
(Example, after you log into POLE)
If you started your policy for more than 1 year (haul) and your total surrender value of all your policies is above the nisab value, you calculate total zakat payable this way.
Your Zakat Payable for your insurance policies is Total Surrender Value ($) x 2.5%
So, example, if your total surrender value is $10,000, you need to pay $10,000 X 2.5% = $250
You can pay your zakat online too. This is the link. https://www.muis.gov.sg/epayment/Zakat.aspx
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I will link to end my blog post with a very good story that I get through whatsapp, sharing on zakat. Do share with your friends if you find it beneficial too! 🙂
*Story of 2.5%*
One day, a very wealthy man was walking on the road.
Along the way, he saw a beggar on the sidewalk.
The rich man looked kindly at the beggar and asked him why he was begging.
The beggar said, “Sir, I’ve been unemployed for a year now. You look like a rich man. Sir, if you’ll give me a job, I’ll stop begging.”
The rich man smiled and said, “I want to help you. But I won’t give you a job. I’ll do something better. I want you to be my business partner. Let’s start a business together.”
The beggar blinked hard. “What do you mean, Sir? ”
I own a rice plantation.
You could sell my rice in the market.
I’ll provide you the sacks of rice. I’ll pay the rent for the market stall.. All you’ll have to do is sell my rice. And at the end of the month, as Business Partners, we’ll share in the profits. Tears of joy rolled down his cheeks.
Do I keep 5% and you get 95%?
I’ll be happy with any arrangement. The rich man shook his head and chuckled.
“No, I want you to give me the 2.5%. And you keep the 97.5%.
For a moment, the beggar couldn’t speak. He couldn’t believe his ears. The deal was too good to be true. I want you to give me 2.5% of your profits so you grow”
The beggar now dressed a little bit better, operated a store selling rice in the market. He worked very hard. He woke up early in the morning and slept late at night.
And sales were brisk, also because the rice was of good quality. And after 30 days, the profits were astounding.
At the end of the month, as the ex-beggar was counting the money.
He told himself, Gee, why should I give 2.5% to my Business Partner?
I didn’t see him the whole month! I was the one who was working day and night for this business. I did all the work. I deserve 100% of the profits.
The rich man came to collect his 2.5% of the profits. The ex-beggar said, “You don’t deserve the 2.5%. I worked hard for this. I deserve all of it!”
If you were his Business Partner, how would you feel?
This is exactly what happens to us….
_ALLAH is Our Business Partner. ALLAH gave us life, every single breath. ALLAH gave us talents, ability to talk, to create, to earn money_
_ALLAH gave us a body, eyes, ears, mouth, hands, feet, a heart_
_ALLAH gave us a mind, imagination, emotions, reasoning, language_
_Giving 2.5% (your Zakat) is an expression of gratitude and love_
_Dont forget to give back what u owe_
_Jazakallahu Khairan_
*Humble Reminders*
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A certified financial consultant, Helmi Hakim has won praise for his patience, perseverance and practicality when solving his clients’ financial concerns. For more information on how you can manage your finances better, contact Helmi Hakim at 96520134.
