Financial Planning for Newlyweds

Essential financial planning is very important for Muslim couples who are beginning their married life together, as it helps build a stable, peaceful, and responsible future. Creating a clear and realistic monthly budget is the first step, where both partners list their income and all expected expenses such as rent, food, utilities, transport, and personal needs so that money is managed wisely and unnecessary spending is avoided. Saving regularly, even in small amounts, should be a habit from the beginning to prepare for emergencies, future goals, and long-term security. Islam strongly encourages financial responsibility and moderation, so couples should avoid waste, extravagance, and living beyond their means. Following Islamic financial principles is also essential, which means staying away from riba (interest), gambling, and unethical sources of income, and instead choosing halal earnings and fair financial dealings. Couples should also make it a practice to give zakat and sadaqah, as this brings barakah in wealth and helps purify income. Open communication about money, joint decision-making, and mutual trust help prevent misunderstandings and stress related to finances. By combining careful budgeting, consistent saving, and Islamic financial values, Muslim couples can create a strong financial foundation that supports both their worldly needs and their spiritual well-being.