Sallah is fast approaching, and if there's one thing we all know, it's that this period comes with excitement, festivities, and... heavy spending. Between buying rams, shopping for new clothes, giving gifts, and preparing enough food to feed an entire neighborhood, it’s easy for expenses to spiral out of control before you even realize it.

For many, Eid al-Fitr—commonly called “Small Sallah”—is a time to give thanks and celebrate with loved ones after Ramadan. But let’s be honest, even though it’s not as grand in terms of animal sacrifice as Eid al-Adha, it still demands financial planning. If you don’t want to start the new month broke, wondering where all your money went, now is the time to get smart about your finances.

Start With a Budget (and Actually Stick to It)

The biggest mistake people make during Sallah is not setting a budget. It’s easy to say, “I’ll just spend wisely,” but without an actual plan, expenses pile up quickly. First, make a list of the things you absolutely need—whether it’s food, clothes, transportation, or gifts. Then, allocate a specific amount to each category and stay disciplined. Remember, setting a budget is pointless if you don't follow it.

One trick that works is using a separate account or digital wallet for your Sallah expenses. That way, you know exactly how much you have to spend, and once it’s gone, it’s gone. No dipping into your rent money because you suddenly saw a fancier kaftan or a new handbag calling your name.

Shop Smart for Clothes and Gifts

Let’s be real—part of the excitement of Sallah is the new clothes. Whether you’re going for a crisp white kaftan, a flowing abaya, or a stylish Ankara fit, looking good is a major part of the celebration. But have you noticed how local sellers hike their prices once Sallah is near?

Instead of buying last-minute at inflated rates, consider shopping online from international stores where prices are often more reasonable. Many people don’t realize that they can get high-quality, stylish abayas, jalabiyas, and other essentials at better prices from stores outside Nigeria. The issue is usually payment—many international stores only accept USD. But with a Myaza card, you can easily pay in USD without extra charges or overpriced exchange rates.

And if you’re sending gifts to family and friends, especially those abroad, international payments can be a hassle. Banks often charge outrageous fees, and sometimes transactions don’t even go through. Again, a simple USD virtual card can save you from all that stress.

Don’t Go Overboard With Food Spending

Sallah feasts are a must, but there’s no need to buy and cook excess food just for the sake of it. Yes, visitors will come, and yes, you want to share meals with neighbors and those in need, but planning is key.

Instead of buying everything in one go, look for better deals in bulk markets or shop in advance before prices skyrocket. If you’re hosting, consider cooking in portions to reduce waste. Remember, Sallah is not a competition of who made the most expensive dishes—it’s about togetherness, gratitude, and sharing.

Plan Your Travel and Transport Expenses

If you’re traveling for Sallah, factor in your transport costs early. Ticket prices for flights and even road transport tend to increase as the celebration draws closer. If you’re flying, booking early can save you a significant amount.

For those staying in town but expecting to move around a lot for visits and celebrations, budgeting for transportation is crucial. Ride-hailing services often increase fares during festive periods, so having a set transport budget will help prevent unplanned spending.

Avoid Debt Just to “Celebrate”

There’s no blessing in going into debt for Sallah. The Prophet (SAW) encouraged moderation in all things, including celebrations. It’s tempting to want to buy everything on sight or to borrow money just to keep up with the festivities, but remember, Sallah will pass, and bills will remain.

Instead of trying to impress anyone, focus on celebrating within your means. Give what you can, buy what you can afford, and most importantly, be content.

Make Smart Payment Choices

In today’s digital world, making payments should be seamless, but in Nigeria, we all know how frustrating it can be. Failed transactions, delayed alerts, high charges—sometimes, it feels like a battle just to complete a simple purchase.

If you’re shopping from international stores, making online payments, or even sending money to family and friends in other countries, a USD virtual card can make life a lot easier. With Myaza, for example, you can pay in USD directly without worrying about ridiculous exchange rates or hidden fees. It saves you money, time, and unnecessary frustration.

Finally…

Sallah is a time of joy, reflection, and giving, but it doesn’t have to be a period of financial recklessness. With proper planning, smart spending, and the right payment solutions, you can enjoy the festivities without starting the next month in regret. Set a budget, shop wisely, avoid unnecessary debt, and make payments in the most convenient and cost-effective way possible.

May this Sallah bring you blessings, peace, and financial ease. Eid Mubarak in advance!