For gifts, he decides to allocate a small amount every month so when necessary, there will be enough for it. He does some calling and gets a good deal and reduces his long-distance bill by paying a flat rate for a certain number of hours every month. Establish categories for Debt elimination, Sadaqa and savings . Since Jameel is serious about giving Sadaqa, eliminating his debt and wants to have some savings as well, he decides that these are categories that have to be included as well. Some Things to Remember 1.
Numbers are flexible.
Experiment with getting cheaper options for things, even for essentials. If, for instance your rent is very high, consider moving. If you can, reduce your clothing bill to only what you really, really need. Be on the lookout for ways, especially, that you can increase the proportions of money you put in for debts, savings and Sadaqa. Write down every expenditure.