10 Financial Things to Do Before Going on Hajj

Hajj is one of the greatest milestones in a Muslim's life. Financial ability (istita'ah) is one of its conditions, and putting your affairs in order before you leave brings real peace of mind, so that you can focus fully on your worship. Whether you are travelling this season or planning for a future year, these ten steps will help you prepare.

1. Settle or arrange your debts

Clear outstanding debts where you can, or make sure there is a clear repayment arrangement in place and that your lenders are comfortable with it. Leave written details of any debts so your family knows what is owed.

2. Build a realistic Hajj budget

Include your package or operator fees, flights, visa costs, spending money, gifts and an emergency buffer. Don't forget the household costs that continue while you're away, so that your family is not left short.

3. Update your Islamic will (wasiyyah)

Make sure you have a current Islamic will that is also valid under the South African Wills Act. Confirm your executor, name a guardian for minor children, and tell your family where the original is kept.

4. Pay zakat that is due and plan your sadaqah

If your zakat is due, settle it before you travel. You may also want to set aside sadaqah to give during your journey.

5. Check your life and medical cover

Make sure your life cover is adequate and up to date, and check whether your medical aid covers you in Saudi Arabia or whether you need separate travel medical insurance. Takaful and Shariah-compliant cover options are available.

6. Appoint someone to act for you

Choose a trusted person to handle urgent matters while you're away, such as paying bills or dealing with your business. A written power of attorney avoids complications with banks and service providers.

7. Review your investments

Check that your investments are still suited to your goals and risk profile, and that any regular income or withdrawals will continue smoothly while you're travelling.

8. Plan your travel money

Compare exchange rates and card fees in advance. A travel card or a mix of card and cash is usually safer and cheaper than carrying large amounts of cash.

9. Secure your banking

Let your bank know you'll be travelling, make sure your banking app works abroad, and check that you can still receive one-time PINs while roaming.

10. Set intentions for your return

Many pilgrims return with a renewed sense of purpose. It's a good moment to set financial goals that reflect it, whether that's saving for retirement, buying a home, supporting your community or clearing debt for good.

Let us help you prepare

Sapphire Global can help you build your Hajj budget, review your will and cover, and make sure your investments and family are looked after while you're away. Email info@sapphireglobalfs.com or call or WhatsApp +27 65 814 8479 to book a consultation.

Sapphire Global Financial Services is an authorised financial services provider (FSP 51022). This article is general information only and does not constitute financial advice or a religious ruling. Please speak to a qualified financial adviser about your personal circumstances.