๐ฅ Peace be upon you all!๐ฅ
๐๐ฟ☘️There is a common problem which relatively affects virtually most of us!
Well, this is nothing but spending more than our earnings..
Obviously, by the time you spend more than you earn you end up borrowing! ๐ค๐๐ค
So, how do we tackle such a general issue...!?๐ค๐ค
๐๐ฟ☘️1- Know who you are and know your financial capability
๐๐ฟ☘️2- Never spend beyond your capability "just to impress"
๐๐ฟ☘️3- Make a regular check list on your expenditure, most especially as "a civil servant"
๐๐ฟ☘️4- Make use of what we call the "the time quadrant" prioritize your pending issues that require monitory attention. Not first come first serve, anyway...๐๐๐ฟ
Look for the most urgent and important ones, those fall into the 1st quadrant known to be ' quadrant of necessity' then 2nd quadrant , which is quadrant of leadership.. then it goes that way..
Finally , consult financial experts to put you through professionally and pray to Allah (the giver and maintainer of all things) for more income from Him.
_May we be financially more successful from HALAL sources and spend on for that which is Halal๐คฒ_
ุตุจุงุญ ุงูุฎูุฑ!๐ฅ
Ral Mustafa