During umrah, you will want to buy something home to give to family, relatives and friends. You can buy something for yourself. But, make sure you allocate a shopping budget properly and stay within your budget when shopping. Using the Jago application, you will feel that it’s easier to spend right and wisely. The following are ways to spend money wisely as well as tips and tricks for your umrah shopping.
How to Spend Money Rightly and Wisely During Umrah Shopping
There are several ways that you can use so that you don't overspend. Make sure you already have a Jago/Jago Syariah account by registering via the Jago application.
1. Make a shopping list
The first thing you need to do is make a shopping list. What do you want to buy, how many and for whom? From here, you can estimate the budget needed.
If you feel that it’s too much, make adjustments, for example, by not buying as many as planned or changing what you want to buy to ensure budget-friendly shopping.
2. Create a Jago/Jago Syariah Pocket specifically for shopping during umrah
Next, you can log in to the Jago application and create a Pocket for shopping during umrah. The awesome thing about using Jago/Jago Syariah, you can create lots of Pockets to separate your budget for many needs. So, you can separate the money for shopping during Umrah into a different Pocket.
After the Pocket has been successfully created, which only takes a matter of seconds, you can move money from the source Pocket right away. This can be done if the budget is available.
But if you don't have the money yet, you can start being disciplined in saving so that your umrah shopping Pocket can achieve its target on time. A practical way to save in Jago/Jago Syariah Pockets is to use the automatic budgeting feature. Set the budget you want to move to the umrah shopping pocket and the time to move the budget.
3. Link the Pocket with a Jago/Jago Syariah Visa Debit Card for practical transactions and payments
Make sure you bring a Jago/Jago Syariah Visa Debit Card to accompany you during umrah. This debit card can be used for more practical and convenient shopping.
Apart from that, by shopping using a debit card, you ensure you stick with your budget. Why? Because you can link your debit card with any Spending Pocket. For shopping during umrah, the Spending Pocket that should be linked to your debit card is the umrah shopping Pocket. So, the budget taken must only come from the umrah shopping Pocket, not other pockets.
Not only that, you can also set daily debit card transaction limits. Spending becomes more controlled, right?
So that you can use your visa debit card for transactions abroad, don't forget to activate the international payment option in the debit card settings via the Jago application.
4. Need cash in Saudi Arabia? Look for an ATM with the VISA logo to withdraw cash using a Jago/Jago Syariah Visa Debit Card
What if there is a shop that cannot accept payments with VISA debit cards? No problem. You can withdraw cash in local currency using a Jago/Jago Syariah Visa Debit Card. All you need to do is look for an ATM that has the VISA logo. Keep your debit card linked to your umrah shopping Pocket so that the money withdrawn comes from the budget in that Pocket.
Shopping Tips and Tricks During Umrah
You already know how to shop wisely during Umrah, as stated above. Here are some tips and tricks that you can apply as well.
1. Wear something simple
When shopping during umrah, try to wear simple clothes. If you wear clothes that look luxurious or flashy, the sellers or merchants may increase the prices, so they are more expensive than they should be. You don't want this to happen, right?
2. Find out or research the shopping places you want to visit during umrah
Based on the shopping list that has been made, you need to find out the best shopping places that sell what you want to buy and of course, within your budget range. You can find out online or ask people who have been there. So when you're there, you won't be confused about where to go anymore.
3. Don't forget to bargain, try to speak Arabic if possible
Just like sellers in various parts of the world, there is a possibility that you will be given a higher price, especially because they know that you are not a resident.
Therefore, before buying and making payments, try to bargain first. And if possible, you can try to bargain in Arabic. Who knows, you might get an even cheaper price. It's worth a try, right?
