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How To Save Money During The Month Of Ramadan?

How To Save Money During The Month Of Ramadan?

Today’s topic which I will like to share with you is “How To Save Money During The Month Of Ramadan?”

You see, Ramadan taught us Muslims GOOD VALUES like….
1) Peace (Brings you closer to God, thorugh your night prayers, taraweh)
2) Patience (control your hunger from dusk till dawn, break-fast)
3) Empathy (think of how the poor survive without food)
4) Moderation
5) Charity

 Yet, we see a lot people in the month or Ramadan splurge instead of saves. Why? Because it is easier to splurge than save. The desire to spend is there.

…and the desire to spend INTENSIFIES when…

food

…you take a look at the wide choices of buffet advertisement in the papers, with a hungry stomach

….you take a look at the HARI RAYA PROMOTIONS that is going on, especially with no money downpayment needed

…you went to the bazaar and entice with so much, delicious, sweet, colorful, tantalising kuehs, and end up buying more than needed.

I will like to introduce you a simple, yet powerful concept that you can use to avoid OVERSPENDING in this fasting month. The concept is….. 3Rs…

REDUCE,REUSE,RECYCLE

REDUCE wastage
When buying food to break your fast, see for yourself, whether you can finish eating, what you buy.

You do not want to end up throwing away excess food. It is against the spirit of Ramadan.

REUSE and RECYCLE

When you shop for hari raya, differentiate between needs and wants.

Do you need to spend few more thousands for the curtains decorating the windows of you house, or is it okay to REUSE and RECYCLE, the one that you still have?

Do you need to buy with ZERO downpayment needed that very comfortable sofa, to fit in your main hall, or is it okay to just hold on to what you currently have?

Think…. 🙂

18 SpeedWealth Tips, I Learnt From Reading T Harv Eker Book….

18 SpeedWealth Tips, I Learnt From Reading T Harv Eker Book….

I was reading a book called SpeedWealth by wealth guru,  T Harv Eker and will like to share some powerful nuggets that can help you become rich and super successful in your business.

The nuggets may look like common sense but I find it invigorating and refreshing, and I believe it will benefit you too, especially if you are self employed or running a business/practice like me! 🙂

Have a read! 🙂

1) You have to position yourself for wealth.

position

2) Success is a learnable skill.

learn

3) If someone is doing better than you, it’s because they know something that you don’t.

secret

 

4) The Law Of Income: You will be paid in direct proportion to the value you deliver according to the marketplace.

business-graph-1415055-m

 

5) Demand + Supply + Quality + Quantity = $$$

graph-1-1239215-m

 

6) Why does a brain surgeon earn as much in one day as a gas attendant in a whole year?

surgeon-274997-m

Because he or she has a rare and specialized skill that is critical when needed. Put bluntly, there are millions who can pump gas, but few who can fix brains.

 

7) Model a proven winner.

model

 

8) Copy someone who is making a mint right now.

copy

 

9) A business system is a repeatable process that produces a profit.

business

 

10) Business is simple. People are complicated.

basic

 

11) Work ON the business, instead IN the business.

lua-in-the-box-1037080-m

 

12) First you create something that works well on a small scale, maybe one store, one office, or a sale to one person. Then you repeat the process, again and again. It’s that simple!

roundabout-1265027-m

 

13) One SpeedWealth strategy is to find buyers who can purchase or sell large volumes of your products and services.

public-hanging-715077-m

 

14) If you are not using leverage, you’re working too hard, and earning too little!

lever

 

15) How can I provide people with my value, my products or services, while I sleep?

sleeping-1243926-m

 

16) Practice does not make perfect. Practice makes permanent.

karate-3-1129312-m

17) The best advice about money is only three words: Get it handled!

helmi_new

 

18) Lastly, remember, success is a learnable skill!


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If you find this post beneficial, do share it with your friends! I am very sure, they will appreciate it! 🙂

 

p.s. By the way, if you wish to discover a simple & halal way to create a positive monthly cashflow and calculate your net worth for FREE, then please click here…

Top 5 Strategies To Save More Money In Singapore…

Top 5 Strategies To Save More Money In Singapore…

Strategy 1::  Eat Your Breakfast Every Morning

breakfast

Breakfast is the most important meal of the day.

Research shows that if you skip your breakfast, you will tend to feel hungrier later and overeat during your lunch.

When you overeat during your lunch, you will spent more money on food.

Eat your breakfast every morning.

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Strategy 2 :: Use Public Transportation

In Singapore, we have arguably, the best transportation system in the world.(though some may disagree vehemently now)

Take advantage of Singapore’s famous “BMW”, (Bus, MRT, Walk)

….and you’ll save more dollars.

You save on your vehicle maintenance, your vehicle loan, your vehicle insurance, your petrol cost (which is increasing incredibly these days) and more.

car

Do you know that your vehicle NAV (Net Asset Value) depreciate by $5000, the moment you bought it?

Unless you are in a sales job with a lot of money making appointments or you need to use your vehicle as a “social proof” to tell your clients how successful you are, I recommend you to take public transport.

With more ERP gantries in Singapore, it is also advisable to take public transport.

In addition to that, you get more exercise throughout the day, which keeps your heart, immune system, and brain healthy.

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Strategy 3 : Read The Newspaper Online

All major newspapers have their own website.

They update it every single hour.

You can go to these websites:
1) www.channelnewsasia.com
2) www.straitstimes.com
3) www.newpaper.com.sg
4) www.beritaharian.com

One day, you save $1, 30 days, you will save $30.

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Strategy 4 :: Clear Your Credit Card Debt

credit card
Credit card interest rates are very expensive.

24% a year.

If you save your money at an interest rate like what credit card companies charge you, your money will double every 3 years.

Your credit card company is earning like Warren Buffet at your expense if you choose to be a victim to this vicious cycle.

If you cannot afford to pay your credit card bills, borrow money from your parents, brothers, sisters and return them 10% extra. (You still save 14%)

Then, terminate your credit card and get a debit card.

You got to ignore your ego to salvage your own financial future.

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Strategy 5 :: Use Your Community Library

I bought a lot of motivational, financial, inspirational books, and I treat it as an investment.

However some reading materials follow the trend.

Example- Gossip magazines, fashion magazines etc.

If you need to read such magazines, go to Woodlands Library at Civic Centre.

They have lots of magazines for you to choose from.

You will be spoilt for choice.

Through the library, I am able to borrow motivational, financial, spiritual CDs which cost a bomb elsewhere for FREE.

I save hundreds of dollars, while at the same time being able to enjoy what others enjoy too!

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Now, if you feel the financial tips that I have shared above is useful, I have 28 more tips to share with you.

I have written an e-book, 33 Ways To Save More Money in Singapore and has recently updated them! Click the link here to downlod it for FREE!!! 🙂

http://savemoney.helmihakim.com/blog

p.s. By the way, if you wish to discover a simple & halal way to create a positive monthly cashflow and calculate your net worth for FREE, then please click here…

Your Ipad Screen Turned Fuzzy and You Want To Save $500 Repair Cost?

Your Ipad Screen Turned Fuzzy and You Want To Save $500 Repair Cost?

Just minutes ago, I switched on my ipad, and I realised the screen turned fuzzy.

ipad

I panicked, dreading having to pay $500 for repair cost.

Fortunately, Mr Google helped me. What you need to do is, put the iPad on your lap, face down, and slap the back a few times. Check the screen. If problem persists, slap it harder, checking it from time to time. You have nothing to lose.

and now, Alhamdulillah…. my ipad is working fine! 🙂

ipad_okay

Do share this post with your friends. You may never know, that this post might save them $500! 🙂

 

p.s. By the way, if you wish to discover a simple & halal way to create a positive monthly cashflow and calculate your net worth for FREE, then please click here…

Costs & Itinerary For Our Exotic Honeymoon To Morocco…

Costs & Itinerary For Our Exotic Honeymoon To Morocco…

Alhamdulillah. Time is ticking fast, and in a few days time, I am a married man. 🙂

I created a blog post on the costs of Malay wedding in Singapore last year, and it has garnered a lot of attention from fellow social media enthusiastics. Some lamented that my wedding costs are too high, and there are also many who argued that my figures are too conservative. Nevertheless, that is the exact wedding costs, on my side, after doing barrage of research/food tasting/interviews etc2. 🙂

After settling other big commitments like buying our BTO HDB flat, booking our wedding venue (I can only book 150 days in advance), registering and meeting the naib kadi at ROMM  and at the same time reserving our Kadi for our akad nikah,  we finally bought our air tickets to our lovely honeymoon destination which is Marrakech, Morroco.

marrakech

My fiance and I will like to have all the time for ourselves thus we opt for free and easy option to relax and enjoy. 🙂

As we choose to book air tickets without itinerary, we did our own background research by using online platforms like skyscanner.com.sg, expedia.com.sg, zuji.com.sg, to make comparison of the prices of the air tickets. Unfortunately, there is no direct flight from Singapore to Marrakech, thus using such platforms aid us, in planning our journey, at the same time, plan our finance well.

After planning the route and ensuring the available connecting flights are from the same airline, we then liaised with the airline directly, to book our air tickets. It costs us SGD$1998.60 each for the airline tickets from Singapore to Marrakech via Zurich and then return back home safely, 10 days later.

fare_cost

air_tickets

 

Next, we plan for our hotel/riyad. I have a personal preference to have our hotel to be as close as possible to the shopping area, Djemaa el Fna which is the centre of the medina and the heart of Marrakech. What I did, is that I go to google map on my ipad, and key in “Djemaa el Fna”. It brings me here automatically.

map

From the map above, you can see, that there are a lot of hotels/riyads located nearby. We want value for money hotels with good services. We have some fun choosing the hotels, narrowing it down to a few good ones and then read the reviews of the hotels at tripadvisor.com. We are spoilt for choice! 🙂

Tripadvisor.com  has both good and bad reviews from people who have stayed in the hotel, that you will like to enquire.

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We planned our itineraries first, and as most of our activities are of driving distance from Marrakech, we decided to just book the hotel in Marrakech for 10 nights. We booked through Booking.com and email the hotel again, to confirm that our booking went through. We arranged for airport transfers from the airport to the hotel too. The hotel stay costs $2484 for 10 nights. Of course, there are cheaper options, but we chose the best! 🙂

hotel

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At first, we plan to spend some days in Marrakech and some days in Spain, but we then reach to a consensus to just spend our honeymoon days in Marrakech, as there are plenty of activities that we can do, like….

Cooking Class at Faim d’Epices

 

Hot Air Balloon, and watch the sun rise over the Atlas mountains

 

Camel Ride the palmeraie of Marrakesh

 

Quad Biking At The Dessert

 

There are really many, exciting activities to be done in Morrocco. Attached are our customized, yet detailed itineraries and indicative costs involved. (Right click and save target as)

PDF Format

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Below, are the costs at a glance…
cost

The costs might be steep, but in my opinion, it is money well spend! Really looking forward for our honeymoon. If you find, this post beneficial, do share it with your friends. If you have more ideas, on how to make this trip more fun and interesting, do hit the comment post below! Thank you! 🙂

 

p.s. By the way, if you wish to discover a simple & halal way to create a positive monthly cashflow and calculate your net worth for FREE, then please click here…