I’ve read the book “How to Enjoy Your Life and Your Job” by Dale Carnegie five times.
When my wife asked why I kept going back to the same book, I smiled.
Because it’s filled with timeless truths.
Although the book was first published in 1936, the wisdom inside still resonates today — especially with us as Muslims living in modern Singapore.
Some people dismiss books like these as “old ideas” or “common sense.” But let’s be honest: it’s often the simplest things we overlook the most.
After reading it again and again, two concepts stood out for me — not just because they’re important, but because they align perfectly with Islamic financial planning.
The two key ingredients? 👉 Gratitude (Bersyukur) 👉 Patience (Bersabar)
Let’s explore how these two principles — already core values in Islam — can attract more barakah and rezeki into your life, especially when applied to your finances.
1. Bersyukur (Gratitude) — The Magnet of Barakah
In his book, Dale Carnegie asks:
“Would you sell your eyes for a billion dollars? Your legs? Your children?”
He makes the point that we’re already wealthy, yet we often overlook the blessings we already have.
In Islam, this is crystal clear.
Allah SWT says in the Quran:
“If you are grateful, I will surely increase your blessings; but if you deny them, indeed, My punishment is severe.” — Surah Ibrahim, 14:7
Gratitude is not just about saying “Alhamdulillah” when things go well.
It’s also about being grateful during challenges, when we struggle to save money, or when our investments dip.
When it comes to Islamic financial planning, I always tell my clients:
“Be grateful for every opportunity you have to save, invest, and provide for your family the halal way — even if it’s small. Every dollar saved and invested sincerely is a form of gratitude to Allah.”
Rezeki isn’t just about money. It’s about health, time, peace of mind, righteous children, a loyal spouse, supportive in-laws, good friends… and yes, halal investments that grow quietly in the background.
Gratitude expands these blessings.
2. Bersabar (Patience) — Like Planting a Date Tree
Dale Carnegie reminded readers that many of life’s outcomes aren’t instant — they require patience, persistence, and calmness under pressure.
That reminded me of something I once heard from an Ustaz:
“When you plant a date seed, it can take 4 to 8 years before it bears fruit. But once it does, it produces sweet dates for decades.”
That’s exactly what sabar looks like in Islamic financial planning.
I had a client, a young couple in their early 30s, who started a modest Takaful-linked investment plan. Every month, they contributed a small amount — despite friends telling them to “try something faster.”
They stayed consistent. They didn’t chase quick gains. They didn’t panic when markets dipped.
After 12 years, that “small seed” grew into a strong financial tree — enough to fund their daughter’s university education without taking any loans.
Sabar isn’t passive. It’s active trust in Allah’s timing while doing your part.
Allah SWT says:
“Indeed, Allah is with those who are patient.” (Surah Al-Baqarah, 2:153)
And in the world of halal investing, patience often separates those who barely start from those who truly succeed.
If you’re rushing to see profits in 2 years… you’re probably still planting your seed.
But if you water that seed — with sabar, discipline, and doa — the tree will grow… and you’ll eat from it for years to come, in dunya and akhirah.
Want to Attract More Rezeki into Your Life?
If you want to enjoy barakah in your finances the Shariah-compliant way — and build a solid foundation for your family’s future — I’m here to help.
You can WhatsApp me, Helmi Hakim, at 96520134 or simply click here to schedule your FREE consultation.
I can only take 5 new clients per month, so do book early.
Let’s plan your halal wealth journey — with gratitude, patience, and rezeki in abundance, insyaAllah. ☺️
5 Reasons Why Building Shariah Compliant Passive Income Is a Good Idea in Singapore…
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1. Peace of mind to know that you have money if business is not doing well or should you become unemployed…
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If you run a business, you like to think that your business will prosper forever.
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Yet you and I know that is not always true.
Reality on the ground, that is not the case. In business there are cycles. … Sometimes our business is doing good. Sometimes our business is not going so good.
We accept that thats the asam garam, the reality of being an entrepreneur!
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Having extra cashflow from Halal sources of passive income in Singapore
helps when your business is not doing so good
as you need to have some breathing space to pivot or restrategise.
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Similarly if you are an employee.
You like to think that you have a solid iron rice bowl that you can rely on for the rest of your lives.
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You will like to think that you will stay employed with the same company through your lifetime.
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My question to you now.
How confident are you that your current skills will remain relevant for the next 20-30 years of your life?
How confident are you will remain to be as agile,
as fast,
as versatile today
and in the years to come? Beautiful life today does not mean beautiful life forever!
Thats the reality on the ground.
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With the advent of artificial intelligence, most jobs that are in demand today might be replaceable tomorrow.
With globalisation, the world that we think is big yesterday is now shrinking.
You are not just competing with a younger workforce who can do your work at cheaper, better, faster rate in Singapore. You are competing with every single human that exist on this planet!
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So Nauzubillah… If your employer decides to “downsize”,
decides to “scout for new talents to replace the old ones”,
decides to “pivot and your role now is now made redundant”, an additional source of Halal Passive Income definitely helps!
You will have the peace of mind and perhaps some breathing space to carefully think of your next course of action.
I mean. Kita merancang. Tuhan menentukan.
This small steps you are taking today when all is good will help your future you when things are no longer as rosy and beautiful as it is today.
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2. Passive Pahala for the rest of your life and beyond
2nd reason Why Building Shariah Compliant Passive Income Is a Good Idea in Singapore is
because
not only you can enjoy the tangible fruits today, you also can get passive pahala for the rest of your life and beyond!
You can use your Halal Profits to fund your dream holiday with your beautiful family..
(I liquidate some of my profits for my recent holiday to Bali.)
Alhamdulillah… I have been a financial planner for almost 18 years.
Some of my clients have been with me for 18 years.
15 years.
10 years.
The beauty of shariah compliant investments is that you can use Halal profits to fund your yearly holiday.
To fund your umrah.
To fund your Haj.
To fund your child’s tuition, enrichment classes(these can really eats up to your monthly cashflow and having Halal profits to fund it is simply amazing!)
And while you are saving money every month the shariah compliant way, you are getting passive pahala.
I mean you can save your money in any ways you want. But you consciously choose to do it the Halal way! The Shariah Compliant Way!
Dunia dapat. Akhirat pun dapat. Isnt that beautiful? 🙂
Alhamdulillah! 🙂
Talking about passive pahala on earth.
Why not also create passive pahala for yourself in the hereafter by using the vehicles of Wakaf?
Make your money work hard in this dunya.
And make your money work harder for your hereafter.
3. You have clarity and certainty that your Halal passive income strategies work
3rd Reason.
It’s good to start building your Halal source of passive income now — especially while you’re financially stable.
Why? Because if you’re starting from zero experience in investing, this is the best time to learn. With the right guidance from mentors and Islamic financial planners, you’ll slowly build confidence that Halal passive income is possible.
Many of my clients start from ground zero — No $1 million in the bank. Not even $100,000. Some don’t even have $10,000.
But you don’t need a fortune to begin. As the Malay proverb goes: “Sedikit-sedikit, lama-lama jadi bukit.” (Little by little, a hill is formed.)
The key is to start. And when you’re financially stable, it’s the ideal time to build the “oven” that will generate future passive income. ✅ You’ve already set aside 3–6 months of emergency funds. ✅ You’ve got comprehensive hospitalisation plans for your family. ✅ You’ve protected your income with Shariah-compliant insurance.
✅ Now it’s time to take the next step: Build your Halal source of passive income. So you don’t just survive — You thrive, in dunya and akhirah.
Alhamdulillah. It’s now or never. You start it. You finish it. AS A CHAMPION! 💪
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4. More Time For Family and Ibadah
4th reason Why Building Shariah Compliant Passive Income Is a Good Idea in Singapore is
because
Passive income frees up your time. Instead of constantly chasing dollars, you get to focus on what truly matters — ❤️ Spending time with your loved ones 🤲 Investing in your akhirah through ibadah 💞 Giving back through charity and community work
It’s good to start building your Halal passive income now, while your responsibilities are still manageable and your finances are stable.
Because the earlier you start, the sooner you’ll enjoy that freedom. The freedom to choose how you spend your time. The freedom to say yes to your family and yes to moments that bring you closer to Allah S.W.T. — without worrying about your next paycheck.
This is how we move from working for money, to making money work for us — the Halal and Shariah-compliant way.
It’s not just about wealth. It’s about barakah. It’s about purpose. It’s about building a life where your rizq continues to flow even while you rest, travel, pray, or play with your children.
Passive income, done right, gives you more than just money. It gives you meaning. Alhamdulillah 🤲
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5. You Become a Role Model of Responsible Islamic Wealth-Building
One of the most overlooked benefits of building Shariah-compliant passive income is this:
You inspire your family — especially your children — to follow the Halal way.
📚 Your children see you investing ethically, avoiding riba, and staying true to your values. 💬 They hear you talk about barakah, not just ROI. 💡 They grow up understanding that success is not just about how much you earn — but how you earn it.
By taking action today, you break the cycle of financial confusion and riba-dependence.
You’re planting seeds of knowledge, values, and confidence that your family will benefit from for generations.
That’s how legacies are built.
✅ You don’t just leave money behind. ✅ You leave a mindset. ✅ A method. ✅ A message of integrity and istiqamah.
This is how we build wealth with purpose. This is how we raise future leader with iman. This is how we bring deen into our dunya — not just for ourselves, but for our descendants.
“And be not like those who forgot Allah, so He made them forget themselves…” (Surah Al-Hashr, 59:19)
Let’s not forget who we are, and what kind of legacy we want to leave behind.
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Now… I hope you have benefited from my sharing on 5 Reasons Why Building Shariah Compliant Passive Income Is a Good Idea 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.
(Myself with my 1st mentor, Brother Shahul Hameed a veteran in the industry)
I still remember the day I left my old agency.
An agency in which I spent 14 years of my career.
A second home which gave me my breakthrough in Islamic finance.
A fantastic work environment where I flourished and thrived.
Yet, I HAD to leave.
I did not want to. But I HAD to. With a heavy heart. For the greater good.
The day I handed in my badge, I did so with tears in my eyes.
I pondered for months. Should I stay, or should I go?
It wasn’t an easy choice. But ultimately… it was the right one.
So Why Was Leaving A Tough But Necessary Decision?
(Myself sharing on investment planning with my fellow colleagues in the industry)
Over the last few years, the Islamic Finance industry in Singapore has evolved dramatically.
When I first started out, there was just one shariah-compliant financial solution in Singapore.
Now, the market is inundated with such plans and policies.
The number of Islamic Financial Planners has increased multiple fold as well.
So what does this mean for you – Our Muslim Brother and Sister looking to protect your finances and create wealth the shariah-compliant way?
It means more options. More choices. More opportunities.
Due to this paradigm shift, I felt that restrictions in my previous agency did not allow me to serve my fellow Muslims to the best of my abilities.
If you’re wondering what exactly these restrictions are, let me explain more below.
Tied Agency Vs Independent Financial Agency – What’s The Difference?
My previous agency is a tied agency.
This means that as an Islamic Financial Planner under their purview, I was only allowed to offer plans/products from that ONE agency.
This was fine back in the day, when the Islamic Finance market in Singapore was still in its infancy stages.
However, as the industry grew, and more shariah-compliant products were made available, I felt that this was a major roadblock in my quest to serve my fellow Muslims in their financial matters.
Hence, I left and joined an Independent Financial Agency.
As a newly-minted Independent Islamic Financial Planner, all the wondrous possibilities of modern Islamic Finance were unlocked.
I could offer my clients the very best Islamic Finance plans, policies and products.
I could help them to increase their coverage, while still saving significant amounts (3-figures/mth) on premiums.
I could “mix-and-match” products from various world-class providers to provide high potential returns on their investment.
It felt like the shackles were removed.
It was liberating. Exhilarating. Super exciting!
Now can you see why I made the hard choice to quit my old agency, to become an Independent Islamic Financial Planner for the greater good?*
*(Is your current financial planner from a tied or independent agency? If you’re not sure, it’s good to find out so you can have 100% clarity over the options available to you.)
(Alhamdulillah. Blessed to kongsi ilmu with a group of NUS undergraduates recently)
Since my big move, I’ve taken my Islamic Finance game to a whole new level.
More money saved.
More coverage secured.
More returns generated.
Alhamdulillah! 🙂
Those are the positive outcomes my clients have been enjoying!
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Now…
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.
We are in the 2nd week of “circuit breaker” in Singapore.
Although I have to work from home, I’m blessed because I still have a job that makes me excited everyday. 🙂
Alhamdulillah…I am thankful to NTUC Income for acknowledging and recognising my hard work by having my name mentioned in Straits Times.
I would like to thank my wife, Shikah Anuar for being my pillar of strength and believing in what I do.
My manager, Irene Ho for your continuous guidance to keep me focused on my goals.
I would like to thank my clients for your trust and support over the years in engaging my expertise to help you plan your finances, the shariah compliant way in Singapore.🙂
There are a lot of ups and downs. Moments where I just feel like giving up. Yet your tremendous support and encouragement continue to spur me forward.
Thank you all once again! 🙂
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Many have asked me on the story of my “overnight success”.
Being an Islamic Finance practitioner in Singapore since year 2007 is a dream come true for me.
It is my 1st job after ORD from the army.
Yet, my story began long before that.
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… My ambition when I was young was to become a school teacher. I love interacting with kids. And I love teaching, sharing my knowledge with others.
So after my O’Levels, I applied for Diploma in Teaching of Malay Language with Ministry Of Education.
I was called for an interview but unfortunately did not make the cut.
I was doing OKAY with my Malay language but I think my “peribahasa terabur” at that point of time because I was too nervous! That was my 1st interview in my entire life!:p
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So my second option, was to go for my Diploma in Accountancy.
My logic back then is that every company in Singapore needs an accountant.
To my mind at that point of time is that an accounting job is the most sheltered and safest job one can have.
The job will be irreplaceable and very secure!
So I applied for NP. I was living with my parents at Marsiling.
(My family and I celebrating Hari Raya a few years ago)
(Beautiful and spacious Marsiling before the BTO flats sprung up like mushrooms over the years)
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I thought studying in Nanyang Polytechnic – which is just next to the MRT – would be very convenient.
When I got the results of my posting., I got the shock of my life. I found out that NP stands for Ngee Ann Polytechnic!
and not Nanyang Polytechnic!
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There is hikmah to be rejected for my interview to be trained as a school teacher
and hikmah for me to accidentally choose to study in Ngee Ann Polytechnic,
because that choice CHANGED the course of my entire life!
In Ngee Ann Polytechnic was where I was exposed and trained to love and understand numbers.
Not numbers without meaning. 🙁 Practical numbers that will determine the life of a business. 🙂
Will the business succeed? 🙂 Or the business fail? 🙁
Can the stock make money? 🙂 Or the stock lose money? 🙁
We learnt how to create company’s annual report.
Trading, Profit and Loss Statement
Balance Sheet.
Statement in Changes of Equities
ALL FROM SCRATCH!
We computed Financial Ratios.
Analysed them. Interpreted them.
And presented them in front of our “clients’. Alhamdulillah. That was my first exposure to public speaking
and someway, somewhat, somehow, I enjoyed it…. 🙂
(My first experience presenting details of a financial statement in front of our “clients” 15 years ago)
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And in Ngee Ann Polytechnic, I joined the business club.
Me and my business partner were 18 years old at that point of time.
We went for a business plan competition and Alhamdulillah was awarded with a funding of $3000. (that was a lot of money when you were students)
As we were below the legal age to set up a company, we used our fathers’ names to register a private limited.
The business failed.
Yet I learnt many important lessons from that episode that shapes me to who I am today! 🙂
(My business while I was still studying in Ngee Ann Polytechnic)
(While waiting for my enlistment in the army, I did a sales job promoting credit cards for a marketing company.
Alhamdulillah. I topped the whole company for 3 months before my enlistment.)
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(Myself in the middle after POP from BMT)
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Whilst serving my national service, i did my research.
I knew back then after ORD,
I wanted a job that allows me to have freedom of time.
I don’t want a desk bound job. I want to be my own boss.
I don’t want to stick myself to the 8-5 routine (just thinking about the morning peak rush hour makes my head spin)
And at the same time allows me to share my knowledge on finance with the common people on the streets.
That is where a career as a financial consultant looks appealing to me.
I did my research.
1 thing that I want to be assured is that my job must be Halal. I emailed MUIS and was directed to the fatwa on permissibility of cooperative insurance in Singapore.
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Alhamdulillah. We know the Hukum of getting cooperative insurance in Singapore is Harus (neutral).
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Yet, I know financial planning is beyond insurance.
What about savings for child’s education? Retirement? Wealth Accumulation?
And I discovered NTUC Income has numerous shariah compliant funds at that point of time.
NTUC Takaful fund (which now follows the Dow Jones Shariah compliant screening methodology)
NTUC Amanah Equity fund
NTUC Amanah Bond (Sukuk) fund
To me, having shariah compliant funds closely monitored by Islamic Finance scholars 24/7 is important.
Thus, that’s where I began my journey as an Islamic financial consultant in a cooperative insurer in Singapore.
(Picture with Alvin Soong’s team, my 1st mentor who brought me in to the financial planning industry a decade ago)
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When you first start out in the financial planning industry.
It was not easy. It was not a bed of roses.
If you think just by joining the financial planning industry, can immediately drive flashy cars.
Buy a yatch. Relax by the beach everyday.
No. Its far from it.
Many times, I felt like giving up.
In fact, I felt like giving up everyday.
To me giving up is easier than persevering.
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When we first started, we earned based on commissions.
(My first month commission when I first started my career as a financial consultant in year 2007)
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We don’t have the luxury of immediately earning a stable basic salary $2-$3k/month.
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Not only that. We have costs to pay.
If you see financial consultants doing roadshows at Malls or exhibitions, on average they need to pay $300/person for rental of space.
So imagine. My $700 commission minus off $300. I am only left with $400 to survive.
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Not only that. Year 2008, 2009.
Was the subprime mortgage crisis which lead to the global economic crisis.
That was the period of Lehman Brothers Minibonds Saga.
Many people were reluctant to part away with their money. People were very afraid of financial consultants.
I remember doing roadshows, and was told “Young man. I just lost $100,000 in XXX scheme. And you want me to invest with you?”
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I remember at that point of time……
Not even having enough money to top up my EZ Link card because minimum top up is $10. I only had $5 in my wallet.
I remember at that point of time,
having to turn down invitations by friends to eat buffet for lunch at the restaurant because I didn’t have enough money.
I remember at that point of time,
the nikmat of sharing briyani on a dulang at Wak Tanjong mosque when I broke my fast during the month of Ramadan.
That briyani was a luxury to me because I only had single digit $ in my bank.
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These memories evoke deep sad bitter sweet emotions within me that I can feel even till now.
I felt like a total failure.
But as Muslims, I always remember this. We are not alone. We have Allah S.W.T.
I make a lot of doa to Allah S.W.T.
As Muslims, I remember the words of Allah S.W.T.
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Alhamdulillah. Allah’s promise is true.
With strong support from my family and clients, I persevered. (eternally grateful for them because I have nothing to showcase at that time.)
After hustling for a while, things got better.
Once things stabilised, I then subsequently upgraded myself by taking my degree, Bachelor of Science (Hons) Banking and Wealth Management with University of Wales (UK).
My favourite module back then was Islamic Banking and Finance.
Alhamdulillah, with the guidance of our beloved teacher , Professor Asam, I aced the module.
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(Testimonial from Islamic Finance Professor during my undergraduate days)
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And Alhamdulillah, what came as a surprise for me at that point of time was when I was informed that I was amongst the top 3 students in my whole cohort upon my graduation.
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You have to understand this.
All my classmates were financial consultants, bankers and seasoned practitioners (some with decades of experience).
And to become amongst the top 3 students never came across my mind.
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(My proud moment receiving an award on stage)
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That gives me the determination and direction..
Allah gives me the rezeki.
The amanah.
Puts me in a very favourable position. For a REASON. (if you know me on a personal level, I rasa betul2 tak layak. There are many others who are way better than me)
I find that this is part of fardu kifayah.
And I have the responsibility to shoulder this tanggungjawab to share with our community the pragmatic aspects of Islamic Financial Planning in Singapore.
I have to prove and make it work in Singapore.
For me success in Islamic Finance is not just me, myself clearing my own riba based loans and growing my own money the shariah compliant way in Singapore. Success in Islamic Finance is helping others plan their finance, without riba, maysir and gharar in Singapore.
Why I continue to stay in this line after so many years is
because I believe I will be able to HELP many more Muslim families plan their finance,
the shariah compliant way in Singapore.
After I die, in the hereafter, at yaumul mashar, I need to present my deeds in front of Allah S.W.T.
I want to be certain.
Ya Allah. On this earth, you bless me with the rezeki to learn about Islamic Finance.
and I, Helmi Hakim had done my utmost best to educate and share with as many people on how they can plan their finance, the shariah compliant way in Singapore.
My mouth.My hand.My legs.My head.My heart.
All as one will testify that I have done my utmost best, to educate and share with as many people on how they can plan their finance, the shariah compliant way in Singapore.
And all, be it you are my clients. Or just anyone who has benefited from my sharing.
You will be my witness.
You will be my lawyers on judgement day, that Islamic Financial Consultant, Helmi Hakim when he was on earth, he had done his utmost best, to educate and share with as many people on how they can plan their finance, the shariah compliant way in Singapore.
Please send him to Jannah. Ya Allah. Amin. Amin…. Insya’Allah. 🙂
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Now… I hope you have benefited from my sharing on the Story of Islamic Financial Consultant, Helmi Hakim.
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.
Some of you know that I recently went on a 23 days juice detox.
It is part of my new year’s resolution to eat healthy.
Stay fit.
Our body is an amanah from Allah S.W.T.
And we have an obligation to take care of our body through proper nutrition and exercise.
Detoxing my body through juice detox was a totally new experience for me.
For the very first time, I cleansed my body. Cleansing is a process to remove toxins from my body.
It looks simple. Yet its challenging.
But Alhamdulillah.
With proper guidance from my nutritionist and mentor, I managed to overcome it….
(Gallstones that came out of my body during my 2nd phase of Detox)
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Having said that, today I want to share more on the similarities of detoxing your body and Islamic Financial Planning in Singapore. 🙂
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1) Detoxing Your Body and Islamic Financial Planning involve processes
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Previously I thought that detoxing my body involves simply drinking fruit juice.
Or perhaps lemon juice.
Or perhaps aloe vera juice.
No.
There are many rules and processes to it.
Example, 80:20 rule.
80% of the juice must come from vegetables and 20% from fruits.
I learnt the proper step by step process of detoxing my body.
First 10 days: colon and kidney detox.
Next 7 days: gallbladder and liver detox.
Last 7 days: juicing.
It is a very elaborated process, yet I enjoyed my journey very much! 🙂
(Video of Financial Consultant, Helmi Hakim juicing his juices.)
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Similarly in Islamic Financial Planning, there are a number of steps and processes that I share with my clients.
Firstly, the FLAIR concept.
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Financial Objectives, Liquidity, Affordability, Investment Time Horizon, Risk Profile.
(F.L.A.I.R. concept used by Islamic Financial Planners in Singapore)
(Financial Consultant, Helmi Hakim sharing more on FLAIR)
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For Muslims, we have to understand the prohibition of Riba, Maysir and Gharar.
Riba, meaning payment or receipt of interests is strictly forbidden.
Allah S.W.T said in the glorious Quran, Surah Al Baqarah, Verse 275:
“Allah has permitted trade and has forbidden interest”
Maysir, meaning any form of gambling. And Gharar, meaning uncertainty. Both are not allowed.
As stated in Surah Al-Maeda, Verse 90:
“O ye who believe! Intoxicants and gambling, (dedication of) stones, and (divination by) arrows, are an abomination,- of Satan’s handwork: eschew such (abomination), that ye may prosper.”
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Understanding the different type of shariah compliant screening methodologies is crucial for
us to build our 100% shariah compliant portfolio.
The entire process is very IMPORTANT!
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Because many have the misconception that as long as the financial instrument has no pork. Has no lard.
Automatically it becomes Halal. .
They call it ‘Muslim friendly’ financial instrument. .
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I have to politely remind them ‘Muslim friendly’ NOW, does not mean ‘Muslim friendly’ FOREVER.
and Halal financial instruments go beyond No Pork, No Lard.
There are other additional requirements to it…………
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That is why I advocate shariah compliant financial instruments.
These group of Islamic Finance scholars will monitor endorse that the underlying assets are 100% HALAL at any given point of time.
Today. Tomorrow. The day after.
Forever.
As long as the shariah compliant fund remains to exist.
This gives us investors the peace of mind that our financial portfolio is 100% Halal all the time.
Peace of mind in this dunya.
Peace of mind in the akhirah.
Alhamdulillah! 🙂
And of course we learnt from an investment perspective how you can make your money,
the shariah compliant way in Singapore.
(Halal Financial Plan Card I get my clients to keep at their home. I target to distribute it to every single Muslim household in Singapore. Insya’Allah)
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2) You need guidance.
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I remember snapping photos of 10 different type of bread and Whatsapp-ing them to my nutritionist seeking for approval.
The types of nut butter I can eat.
Or I cannot eat.
What to look out for when reading the ingredients.
I even went for cooking classes to learn how to cook delicious yet healthy food. Some people told me. “Alahhhh Helmi.
You can learn everything from Google.”
The issue here, there are too many different opinions in Google.
And you don’t know which is right. And which is wrong.
That is why you need professionals to guide you step by step in achieving your goals in a seamless process.
(Pictures of healthy food that I learnt to make myself)
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Similarly in managing your finance the shariah compliant way in Singapore,you need a mentor or a coach.
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Christiano Ronaldo, the world’s famous football player has a coach.
Tiger Woods, the world famous golfer of all times has a coach.
Khabib, the UFC martial artist champion has a coach.
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A mentor and coach can help you with 2 things.
First, show you how to get from Point A to Point B.
Secondly, make you aware on your blindspots and obstacles that you should avoid so that you don’t tumble and fall.
When you have a mentor, you have the “certainty” to know if you are in the right direction or not.
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Have you realise that time flies VERY FAST?
So fast, that is now February 2020!!!
Don’t waste time figuring out on your own.
Having a mentor can fast track your journey towards success.
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Fast Action, Fast Results.
Slow action, little results.
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Speed… Its now or never! Find yourself a mentor!
3) Right circle of friends
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I remember when I first got excited learning all these awesome new health info, I had the inclination to share.
But my idea got immediately shot down by others saying it is a waste of time.
Immediately, I stopped sharing and stayed focus.
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Sometimes, when you start planning your finance the shariah compliant way in Singapore, it is good
to keep things to yourself.
When you are new at something, keep things for yourselves.
After you get some success, then slowly encourage your loved ones.
And also start building your circle of friends who share the same goals as you.
There are many out there who can give you hundreds of reasons on why things won’t work.
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I treat them as excuses.
Justifications on why things wont work is just “NOISE”.
Don’t give power to noise.
Ignore them. Treat it with a pinch of salt.
When people say, “Islamic Finance is impossible in Singapore…”
My head goes “blah blah blah….”
When people say, “Riba is now acceptable…”
My head goes “blah blah blah…”
When people say, “You are never good enough…”
My head goes “blah blah blah….”
The “noises” are like the “blah blah blah….” in this song.
My favourite song currently. Listen to it! 🙂
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4) Your BIG WHY is important
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Part of my detox process involves swallowing the mixture of olive oil and lemon juice.
My gosh! That was the most challenging part of my detox.
I was like “Yucks!!!”
Felt like vomiting.
At that point of time, the question “why am I doing this?” played in my mind.
Felt like giving up. To me, giving up is easy.
So I took a bit of time to remember my BIG WHY.
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Similarly, when you want to plan your finances, theshariah compliant way in Singapore, your WHY is important.
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My friends….
When you know your WHY,
your HOW will suddenly come knocking at your door. 🙂
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Your BIG WHY will give you the energy to follow through the goals that you set in the first place.
Why are you doing what you are doing now?
Are you saving up for your child’s education? Why save up for your child’s education?
(My daughter loves her new school bag)
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You save up because you want to see your child be able to study in a good university in the future.
You want your child to be a doctor. A teacher. A lawyer.
An engineer.
An artist.
You want your child to be a successful individual who can add value to the society.
Or are you doing it for your retirement? Why save up for your retirement?
What type of retirement do you want to lead in the future?
When are you going to retire?
Bottom line, WHY you are doing something comes before HOW to achieve it.
Explore the reasons.
It will bring you far.
5) Successful people begin something and do it till they meet success.
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I like a quote by Profesor Hamka, a renowned Southeast Asian Muslim scholar and cleric.
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Kalau hidup sekedar hidup, babi di hutan pun hidup. jika kerja sekedar kerja, kera juga berkerja.
Which means…
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It only means that whatever you want to achieve in life, work towards it relentlessly.
If we do things for the sake of doing, sambil lewa, how are we different than the animals in the jungle?
When I was doing my 23 days detox, there are a number of times I felt like giving up.
Especially towards the last few days when we were only allowed to drink juices.
No solid food.
When I was fasting during the month of Ramadan, at least I could look forward to iftar.
Last few days of my detox process, I was on a liquid diet.
Not easy.
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Last kopek already. Jangan hangat hangat tahi ayam. Genggam bara api biar sampai jadi arang.
Successful people begin something and do it till they meet success.
How you do anything is how you do everything.
It’s now or never!
You start it. You finish it…. AS A CHAMPION! 🙂
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Now… I hope you have benefited from my sharing on Detox Your Body and Islamic Financial Planning in Singapore For Year 2020.
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.
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.
