When you get your salary, make a list for your expenses. Easy to say, make a one month budget la . This is for the young ones.

1. Car installment

2. House loan

3. Bills

4. Parents

5. Kitchen stuff  ( including the wet food )

6. Children's education (school)

7. Medical Insurance ( + education insurance for children ).

8. Emergency.

9. Personal expenses like clothes, health care

10. Saving - better tabung haji. Every month, your money automatically will be saved in your TH account. Make sure when you want to make the TH saving, you can afford for that amount. For example rm50 per month. Not that much right. Don't touch that money. Let it stay there. That's why it's called SAVING.

# zakat pendapatan 

# sadaqah ( from your sadaqah subuh)

After all the deduction, if you have extra, you can save more in your bank ( or TH ) or you can spend it. Up to you. If there's no extra, duk ontok-ontok ler.