How To Prepare Hajj Fees Early Without Disturbing Other Dreams

How To Prepare Hajj Fees Since Early Childhood (Sulawan Aulya-Unsplash Image)

YOGYAKARTA - For every Muslim to go to the holy land it is an ideal that must somehow be in the struggle. Given that the pilgrimage itself is in the pillars of Islam. Well, are you interested in how to prepare for the pilgrimage from an early age?

However, to be able to realize the dream of going for Hajj is not easy. Because in our own country next year the cost has gone up to reach the range of Rp90,263,104 per congregation, is it quite fantastic?

But don't be discouraged first, because there are a myriad of roads to go to Ka'bah, one of which is by preparing for Hajj costs from an early age. What is the way? Check out the following reviews.

1. Find Out Hajj Category Based on Costs

The first step that you must take is to find out the amount of costs that will be needed in performing the pilgrimage. This is very important so that it is easy for you later to make a financial plan.

Because for regular costs, it is estimated that for 2024 it will increase to reach IDR 90's million. Not yet if ONH, but considering that this is still beingdogged and designed by the Ministry of Religion, the ONH Plus list has not appeared yet, but it is certain that it is above the range of IDR 120 million. It should be noted that ONH Regular and ONH Plus is clearly different because the class is more expensive, the queue list will be much shorter.

2. Determine the amount saved per month

After you make sure you want the Regular Hajj or Hajj Plus list, it's time for you to make sure the amount of money that must be saved per month. You can find out by making a simulation of the calculation of the fee for the pilgrimage.

For example, if you plan to go on a pilgrimage using Regular ONH for the next 15 years, then:

Example:

Regular OHN now = IDR 40,000,000

and the increase in OHN beyond inflation = 3% per year

Annual inflation = 7% per year

Initial deposit of Hajj savings = IDR 25,000,000

For savings results = 3% per year

So that you can not predict the payment of Hajj in the next 15 years, namely Rp. 178,156,782 with the monthly deposit recommended for you to pay, which is Rp. 610,753. Easy enough to count it?

3. Create Separate Savings

It's okay for you to have some goals that you want to achieve in the future. It's not just a matter of hajj funds, but also emergency funds, marriages, holiday budgets, to children's education funds. You will certainly be dizzy, if you mix all the rations of these funds in one account. Not to mention the number of each of them is certainly different.

Therefore, it is very important that the name has separate savings according to the goals so that it is easy to manage finances. Many Islamic banks in Indonesia currently participate in issuing Hajj savings products, all you have to do is find out the provisions and the selection according to your financial conditions

For the needs of Hajj, you can adjust it to the target time for Hajj departures. But usually, medium-term or long-term savings that most people will choose from.

4. Long-Term Investment

Not only saving in a bank, the solution is one method of preparing Hajj savings which is currently widely chosen is to invest. Either in mutual funds, stocks, or gold. However, first, you must know as much data as possible about each instrument, yes.

Not only to secure funds, but investment is also intended so that the funds that return can be greater because of the added profits. Memorizing this method of one is certainly with a commitment to long-term investment, so that you can really feel the results.

5. Create Financial Notes

Indeed, it looks like a spele, but it also looks complicated, related to recording how much money came out and entered a wallet or account. However, this one method will be useful in monitoring personal cash and flow accurately and clearly.

You will definitely know what purchases are actually not needed every month. At other times, you become more selective when you want to spend money because it is more valuable to be allocated to more important or saved needs.

In conclusion, financial records will help you take responsibility and can start saving so that the purpose of Hajj savings can be achieved without obstacles.

Making financial records is actually not difficult, really. You can use a notebook or digital financial record application that can be downloaded on your cellphone.

6. Make Hajj Savings A Priority

Desire without business or business without side-by-side desire will not make your goals achieved. In an effort to do something, desire needs to be solidified at all times and accompanied by action to make it happen.

If you are only furious about wanting to perform the pilgrimage without being based on strong desire, surely feeling lazy to start saving will always haunt you. The shape can be like a temptation for snacks, traveling, shopping, and playing.

Therefore, if you really want to go on a pilgrimage to the Holy Land quickly, determine the intention in your heart and the designation of that goal as a priority. That way, you don't mind raising funds for Hajj savings from an early age.

7. Seek Additional Revenue

Increasing goals and priorities in life often require you to find new strategies to make it happen. Just like when you want to change your laptop, of course, it has been planned from the previous months and start working hard to have more income so that it can be added.

Likewise in preparing Hajj savings. Moreover, the nominal that must be saved regularly every month is quite large. So, looking for extra income from work or by-business needs you guys to play.

Not only to spur the achievement of the target of Hajj savings, but also so that all other needs can be met. So that you will not be afraid of your financial situation and future.

So after knowing how to prepare for Hajj from an early age, see other interesting news on VOI.ID, it's time to revolutionize news!