The month of Ramadan is a blessed month filled with kindness for every Muslim. And, it is also during the month of Ramadan that there are several different expenses that do not exist in other months.
Generally speaking, expenses during Ramadan include expenses for breaking the fast at home and outside the home, mudik, buying hampers, paying THR, alms or waqf or infaq and many more. So don't be surprised if your expenses seem to swell during Ramadan.
But actually, everyone can manage and control their Ramadan expenses. Ranintia, who is often called Rani, proved it already. The young mother with 2 children who lives in Semarang successfully managed her money during Ramadan.
Managing Money From Ramadan Until Eid in the Pocket
The habits of each family are different, and therefore the needs during Ramadan to Eid may be different. The most important thing is to make a list of expenses thoroughly, like what Rani did during Ramadan last year.
"During Ramadan 2022, my husband was not in Semarang. So, I was alone with my 2 daughters. A little nervous too but excited at the same time. And, because I was quite busy, I allocated a budget to order food via online applications during Ramadan. I also made a budget for breaking fast not at home. Just in case I got an invitation from a friend," Rani said while reminiscing about the Ramadan moments she went through.
Budget allocation is a great thing to do because breaking the fast moment often makes people spend more money than expected without them realizing it. But with a budget allocation, Rani was able to be more disciplined in spending money.
Apart from that, Rani also allocated a budget for THR. "My husband and I also prepare the THR budget for the family and household members who work at our parents' house. The THR funds are not small, so we have to plan the finances.”
Furthermore, Rani also prepared money for alms and zakat during Ramadan and hampers. Because Rani has routinely spent money for zakat assets, in the month of Ramadan the focus is on sadaqah and zakat fitrah.
No less important, Rani also took into account emergency funds and expenses for mudik as well as expenses for after Eid. Thus, all family needs can be properly met without the need to experience being moneyless after Eid.
Given that there were so many expenses during Ramadan, Rani used the Jago Pocket to allocate budgets more quickly and practically.
“The Jago Pocket really helped me in separating various needs. What's more, I could create up to 40 Pockets. Of course the funds wouldn’t get mixed up. It's also easier for me to monitor expenses because I named each Pocket according to its purpose. I got THR Pocket, Hampers Pocket, Zakat Pocket, Bukber Pocket," said Rani.
For some of Ramadan's needs, which required a larger amount of money, Rani prepared them in advance to avoid being panic when the time approached.
“I also like the Autosave feature in Jago. With Autosave, money is automatically transferred to the Pocket according to a predetermined budget.”
Jagoans, want to be jago at managing money during Ramadan like Rani? Let's start using the Pocket feature to separate various needs. Don't forget to allocate a budget with the right portion for each Pocket so that funds don’t get mixed up. To save more money, you can take advantage of discounts. But, be sure to buy only what you need during Ramadan to avoid overspending.
The Jago application can be downloaded here for those who don’t have it yet.
