10 Financial Things to Do Before Going on Hajj

Prepare your heart—and your finances—for the journey of a lifetime.

Introduction

Hajj is one of the greatest spiritual milestones in a Muslim’s life. But while the heart prepares for the sacred journey, it’s equally important to ensure your finances are in order. Not only does financial preparation fulfill one of the conditions of Hajj (ability), it also provides peace of mind, allowing you to focus on your worship without worldly worries.

Whether you're going this year or planning ahead, here are 10 smart financial steps you should take before departing for the holy lands.

✅ 1. Ensure All Debts Are Cleared or Managed

Before embarking on Hajj, ensure that you’ve cleared all major debts or have a structured repayment plan in place.🔹 Hajj is only obligatory for those who are financially capable.🔹 If you owe money to others, it’s best to settle it first or gain permission from the lender.

✅ 2. Create a Detailed Hajj Budget

Plan for every cost associated with your trip:🔸 Flights, accommodation, and meals🔸 Visa and Hajj operator fees🔸 Spending money, gifts, and emergencies🔸 Currency exchange or travel card fees

💡 Budgeting helps you avoid overspending and ensures you remain financially stable after your return.

✅ 3. Update Your Will (Wasiyyah)

As per the Sunnah, a Muslim should not travel for Hajj without leaving behind a clear wasiyyah (Islamic will).✔️ Specify your assets, debts, and beneficiaries.✔️ Appoint an executor and, if applicable, a guardian for your children.

✅ 4. Discharge Zakah & Set Aside Sadaqah

If your Zakah is due, pay it before leaving.🌙 Consider preparing Sadaqah (charity) for distribution during your journey or in the Haram. This adds spiritual barakah to your trip while fulfilling your obligations.

✅ 5. Secure Your Family with Life Cover

Hajj involves long-distance travel, and it's wise to have up-to-date life and medical cover in place. At Sapphire Global, we offer Shariah-compliant life policies that ensure your family is financially protected while you are away.

✅ 6. Appoint a Financial Proxy or Power of Attorney

In your absence, you’ll need someone reliable to manage urgent matters.💼 This may include paying bills, dealing with your business, or accessing bank accounts.✍️ Formalize this in writing to avoid complications.

✅ 7. Review Your Investments & Passive Income

Ensure your current investments are structured and monitored while you're away.🔸 Are your returns reinvested or withdrawn?🔸 Is your risk profile still appropriate?🔸 Consider our Sapphire Global Shariah Balanced Portfolio—a popular choice for long-term ethical investors.

✅ 8. Sort Out Your Forex & Travel Money

Avoid poor exchange rates by securing your travel currency in advance.💳 Consider using travel cards or Islamic banking solutions that reduce conversion fees and increase security.

✅ 9. Notify Your Bank & Set Up Online Access

Let your bank know you’ll be travelling internationally.🔐 Ensure you have secure online banking set up so you can manage your finances remotely if needed.

✅ 10. Set Financial Goals for Your Return

Hajj often brings a renewed mindset. Why not align your post-Hajj lifestyle with your financial goals?📈 Start planning for:

• Retirement or passive income

• Buying a home

• Investing in charity or community projects

• Long-term savings for education or health

💬 Final Thoughts

Hajj is not just a spiritual milestone—it’s a personal transformation. With sound financial planning, you can perform your pilgrimage free of worry, knowing your affairs are in order.

At Sapphire Global, we assist individuals and families in preparing for Hajj through ethical investments, takaful cover, financial consultations, and estate planning.

📞 Need Help Preparing Financially for Hajj?

Book a consultation with our team today. We’ll help you:✔ Build a Hajj budget✔ Review your will✔ Structure your investments✔ Ensure your family is financially protected

🌐 Visit: www.sapphireglobalfs.com

📩 Email: info@sapphireglobalfs.com

📞 Call or WhatsApp: +27 65 814 8479