The Sixth Habit: Wealth with Wisdom – Managing Money with Barakah
Bismillāh.
This is a reminder first to myself, written in need, not from a place of knowing, but hoping.
If it benefits you too, then All Praise is due to Allah alone.
Wealth in Islam is not shamed - it can be a tool for abundant good. What matters is how it’s earned, how it’s spent, and how it shapes the heart. Money is a test for some, a blessing for others, and a responsibility for all.
A Muslimah doesn’t need to be rich to attain barakah, but she needs Taqwa to avoid letting wealth harden her heart.
“Your wealth and your children are only a trial, whereas Allah—with Him—is a great reward.”
— Sūrah at-Taghābun (64:15)
Financial discipline is imperative. Saving, giving, avoiding debt, and budgeting with purpose are all part of living a life of Ihsaan.
💬 A Letter to Myself
Dear self,
Money will come and go. But the good you build with it - that lasts.
You don’t need more money to be responsible. You need more gratitude and clarity.
Stop chasing what’s flashy and start asking:
“Is this pleasing to Allah? Is this wise?”
Your rizq is already written. So spend mindfully. Give generously. Avoid waste.
And never let your desire to earn compromise your Deen.
📊 What I’m Trying to Build
Intentional money habits grounded in īmān:
🛍 1. Track Your Spending and Set a Simple Budget
Write down where your money goes.
Assign monthly amounts for needs, charity, saving, and personal use.
Ask: “Is this helping or harming my heart?”
🧾 2. Avoid Riba (Interest) at All Costs
Steer clear of credit cards, interest-bearing loans, and unclear financial contracts.
The Prophet ﷺ cursed the one who takes riba, gives it, writes it down, and witnesses it.
— Sahih Muslim 1598
🪙 3. Give in Charity, Even a Little
Regular Sadaqah purifies your wealth.
If you earn a little, give a little. “Fear the Hellfire, even with half a date.”
— Sahih al-Bukhari 1417
📉 4. Avoid Impulse Spending and Comparison
Stay off platforms or pages that lead you to overspend or feel dissatisfied.
Use your money to support others, not impress them.
🛠 5. Seek Halal Income Only
Don’t compromise modesty, integrity, or your Deen to gain wealth.
Trust that Allah provides from where you cannot imagine.
“And whoever fears Allah – He will make for him a way out and provide for him from where he does not expect…”
— Sūrah at-Ṭalāq (65:2–3)
🧱 Start Small, Stay Consistent
Set a weekly limit for spending and stick to it.
Give a set amount in charity every Friday — even £1.
Save for the future with du‘a as well.
Talk to Allah about your financial stress before venting to people.
📖 Qur’an and Sunnah
“Indeed, the wasteful are brothers of the devils...”
— Sūrah al-Isrāʾ (17:27)
“Wealth does not decrease by giving in charity.”
— Sahih Muslim 2588
“Whoever seeks to be chaste, Allah will make him chaste. Whoever seeks self-sufficiency, Allah will make him self-sufficient...”
—Sahih al-Bukhari 1469
Wealth is not the problem. Attachment is.
Let your money serve your Imaan. Not sabotage it.
🧵 Final Reflections
Discipline with money is an act of gratitude.
It reflects tawakkul, not anxiety. It reflects purpose, not greed.
Spend with sincerity. Earn with humility. Give without fear.
Let your money become your Sadaqah jaariyah, not your fitnah.
Sincerely,
still striving, still learning —
your sister in need of Allah.
