Personal Finance Tips Part 5


The tips I will share in this post are little things we can often overlook but when tallied add up to a big change alhamdullilah. I have seen a change in my own finances and other people as a result of practicing and paying attention to these minor details subhanallah.


1. Try to stay humble

In my opinion there are several types of rich people but they all fall into three main categories.

  • The filthy rich people whose fortunes aren’t natural; they deal with the unseen.
  • The filthy rich people whose fortunes are natural based on hard work even if sometimes some of these people can be arrogant but Allah let them act that way. It’s their scroll of deeds and they will answer in the next life.
  • The blessed rich people whose fortunes are natural based on their hard work, their grace, and their gratefulness to the source of the riches. Strive to be in this category. Allah can take it away from you in a blink of an eye!

Strive to keep you naf (ego) in check. Keeping your feet on the ground and not letting your achievements and monetary status GET to your head will take your name far in this life and the next insha’Allah. Why? Because it’s about good character in the end. Don’t fail the biggest test which is this life’s test. #eyesontheprize

2. Be grateful for the little things

Get in a habit of saying/professing shukr for things as little as being able to get up from bed daily. Try to be thankful for your health you may take for granted. Try to be grateful for having clean water, air, food on the table daily, a roof over your head, money, family, children, etc. Try not to take these small given as granted.

And [remember] when your Lord proclaimed, ‘If you are grateful, I will surely increase you [in favor]; but if you deny, indeed, My punishment is severe.’ (Qur’an, 14:7)

3. Minimize or eradicate waste

Time and time again, I see people whose money doesn’t last. Figuratively, the minute they get it, the same minute their money is gone like a magician trick. Pouf! When you analyze their day to day activities, you realize that they tend to waste big time.

For instance, they either don’t clean their plates, don’t recycle, don’t use all part of a vegetable etc. Many deformations on vegetables or other produce are quite harmless. Chunking a whole eggplant or bell pepper for example in the trash because of a small brown scar on it is just being careless. There are many other examples I won’t get into.

Allah says: “Eat and drink but waste not by extravagance, certainly He (Allah) likes not Al-Musrifun (those who waste by extravagance). (Qur’an, 7:31)

To continue, after eating, your plate should be like a mirror; spotless. When you waste in those overlooked places, Allah makes you pay or takes away from you in other ways of your life. For instance, in your finances.

There is indeed barakat at the bottom of the plate. Let me recount you a story. Me, myself and I dined…Just kidding. My husband, my son and I dined this year at a Mexican restaurant. We didn’t feel like spending money that particular night but because we were outside we wanted to partake in the buzzing atmosphere of the weekend life. So we went into that decent restaurant. I tell you it was packed! We ordered water, vegetable soups, guacamole, and the chips and salsa were on the house. We might have ordered another dish…Anyways…Give corn chips to my son any day and he’s happy.

So we sat, ate, and enjoyed our nuclear time as a family out alhamdullilah. We ate everything to the lettuce leaf they used to put the paste of avocado on for decoration. This is where it got tricky. We found a long piece of hair on that leaf subhanallah! Well, you can guess what happened next; we ate for free. Again; there is blessing in cleaning your plate. It was gross but we saved money we didn’t want to spend out of frugality not stinginess. Alhamdullilah. And there are so many blessings like that that came our ways because we strive not to waste.

4. Prayers and Duas

Always ask Allah to increase your rizq and make it mubarak for you ameen!

I love to say: ‘Hasbunallahu Wa Ni’mal Wakeel!’ –Allah (alone) is Sufficient for us, and what an Excellent Guardian He is! He is the Best Disposer of affairs!’

As an Haseeb (Accountant) myself who loves hisaab (calculation), it’s befitting. I always ask the ‘Bestest’ of Accountant to watch over all my affairs and make me successful in all my endeavors ameen. Strive to do the same.

Allah (subhanahu wata’ala) said:

“I am as My servant thinks (expects) I am. I am with him when he mentions Me. If he mentions Me to himself, I mention him to Myself; and if he mentions Me in an assembly, I mention him in an assembly greater than it. If he draws near to Me a hand’s length, I draw near to him an arm’s length. And if he comes to Me walking, I go to him at speed.” -(Sahih Bukhari)

So Allah is always near. You just need to ask sincerely with the heart. You will notice that people will just give you things. These gifts (monetary and non-monetary) will slowly trickle in/come from everywhere and even from places you don’t even expect I guarantee you. Heed the signs.

I hope these Personal Finance Tips Part 5 are beneficial to you.


Jazakh’Allah khair for reading,



You can read more of my finance tips in our 13th issue of Hayati Magazine , in part 1 of this series or in part 2 of this series . Also available are part 3 and part 4.

Papatia Feauxzar

Papatia Feauxzar is a practicing Accountant. She focused on personal finance in graduate school. She has a Master of Science in Accounting (MSA). Around the year, Feauxzar expatiate on personal finance and romance tips here and on her blogs. She is also the Online Editor of Hayati Magazine and the author of the first Ivorian Cookbook in English. Also a poet, you can read three of her pieces in "WOKE & LOUD: A Faith-Based Medley of Muslim Poetry & Spoken Word" published by Inked Resistance. Visit her at or .

  1. Loved all the tips provided here. I was recently thinking of ways to be more decent in my expenditures and here I was found this article, Alhamdulilah.

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