Spend wisely and avoid unnecessary debt
“We are a people that do things because we have a need for them.”
Muslims should manage their finances as responsible stewards by avoiding extravagance and unnecessary debt, saving for future needs, earning lawfully, and combining practical effort with trust in Allah.
The khutbah in 6 steps
- Rising Hajj costs introduce the need for disciplined financial management.
- The khutbah warns against being controlled by desires and spending extravagantly.
- Listeners are urged to live within their means and avoid unnecessary debt.
- Financial balance includes supporting dependents, giving charity, and building rainy-day savings.
- Stories of Yusuf and Musa with Khidr illustrate preparing during prosperity and preserving wealth for future generations.
- The khutbah closes with a supplication for relief from worry and debt, alongside responsible halal effort.
In the khateeb's words
“We are a people that do things because we have a need for them.”
“we need to throw away our credit cards if we have a habitual habit of spending more than we can afford or at least make sure, absolutely without a doubt, that we're going to pay them off on a monthly basis.”
For the dinner table
Br. Monem Salam used the rising cost of Hajj to remind us to care thoughtfully for the money Allah gives us. He encouraged a middle way: meeting our family's needs without overspending, showing off, or being miserly, while leaving room for sadaqah and savings. He warned that debt is a serious responsibility and should only be taken on out of necessity. Through the stories of Yusuf and the treasure protected for two orphans, he highlighted preparing for hard times and providing for future generations. He also reminded us to ask Allah for help with worries and debts, then work for halal earnings and use those opportunities responsibly.
- When you really want something your friends have, what could help you decide whether to buy it?
- What is something our family could save for, and why does it matter to us?
- What action could you take alongside a du'a for something you are worried about?
More on Wealth & charity
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