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How Much Should You Spend On Yourself? | Salman Asif Siddiqui | اپنے اوپر کتنا خرچ کریں؟ - YouTube
Channel: ERDC
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You see the thing is that we have made
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arrangements for our stay at the airport
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that we should make for our destination.
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We have started to live at the railway
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station the way we should be living at
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our destination. Are you getting me?
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This is our problem.
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When a car costing two million can do the job
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for us and we go and buy a car worth
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ten million. The result is we have to
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maintain so many things.
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Our energy, our time, and occupation
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of our minds. We should try to maintain
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ourselves at the basic and simple level.
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And if Allah SWT has given you money
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then you can do more.
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Let me ask you a question here.
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In our society the condition of the
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Muslim Ummah in every respect
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and when I say Muslim ummah then I am
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referring to the situation regarding
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faith and morality. And secondly, I refer
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to their situation regarding knowledge.
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And I don't mean their financial position
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Our real problem is
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not our financial weakness.
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Our real problem is not that we don't have
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big airliners and we don't have the latest
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technology. Our real problem is
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the weakness of our faith and morals.
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When we see this, then we should
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understand that Allah has given me
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resources so that I can
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return those for the cause. I have to
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return those resources for the
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bigger cause. So if you have resources
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then you should purchase a car for
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two million and spend eight million
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for the cause.
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But we are lacking this spirit right now.
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What is actually happening is that our
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resources and whatever we earn and
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whatever we have, the major portion is
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spent on ourselves. Whatever a family
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earns, the major portion of that is spent
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on themselves and they give charity from
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the remaining resources. May Allah grant
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us the spirit that we spend on charity
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first and then see what to do with
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the rest. I am saying this about those
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who are greatly blessed by Allah SWT.
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They should show this spirit. So I think
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it is permissible for you to purchase
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a car for ten million or even a car
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worth fifty million. It is permissible for
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you as your income is legal and you are
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buying a car. But as a result of buying
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such an expensive car and maintaining it
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will have its ecological cost and it will
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result in the change of balance between
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so many things in your life. This also
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sets new trends in society. So we should
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calculate these disadvantages as well.
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Please understand one more thing, that to
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assess any action in the light of
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Islamic law is only one aspect. When you
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say that something is Shariah-compliant,
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it refers to only one aspect.
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Now as the question has come up, I will
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ask you an even more basic question.
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Have you seen car financing
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advertisements? You all must have seen
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those because there is such a big advert in
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the paper that you cannot miss it.
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And we are such weak human beings that
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although we do not intend to buy a car
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but still, we look at the advertisement for a while.
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Let us see what is there in this ad and
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it makes us feel happy.
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So after seeing a car financing advertisement from
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Standard Chartered, you say this is not
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permissible as there is interest and I will
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not take it. After a few days another advertisement
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appears which is from an Islamic Bank
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and offers you to buy the car worth
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ten million in Halal way. The Ad is
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Shariah-compliant and has a picture of
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beads and a minaret of a masjid and
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prayer cap. The words Subhanallah and
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Ma Sha Allah appear alongside in Arabic
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style. And it is full of all the images
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of Islamic design. You feel that following
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and responding to this ad will bring you
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closer to Allah SWT.
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This is the feeling this Ad is giving.
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But what does it actually do to me?
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The problem with me is that my income
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does not allow me to make such a big jump.
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But since it is a Shariah-compliant Ad so
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I don't even think whether I should buy it
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or not. So I cross my limits and stretch
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myself and purchase that car. And then in
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order pay the instalments I work hard.
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I sacrifice the time of my wife and
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children. Then one day I tell my wife that
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you have received higher education and
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done MSc but what is the benefit? I want
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that you should get some benefit of this
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education. And the only way you can
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benefit is by going out and finding a job.
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The only benefit of education is
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to earn some money.
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And you are just sitting at
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home doing nothing. Go and find some job.
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So to pay out that loan the whole balance
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of the house is out.
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Now when my children come home, their mom
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is not available as she is out seeking
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some benefit. And I am also not available
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as I am overworked and doing extra
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projects and busy achieving extra targets
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so that I am able to pay off that car
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I have purchased.
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All these problems occur because I looked at it
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only from one angle whether it is
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Shariah-compliant or not. But I did not
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see it in relation to the purpose of
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my life and how it is related to the
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purpose of my life.
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We worry too much for adding
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convenience to our lives and not so much
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about adding the purpose to our lives.
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To add convenience is a different thing.
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Adding luxury is entirely a different
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thing and making your life meaningful is
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an entirely different ball game.
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Making your life convenient and luxurious
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and adding comforts and having the latest
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luxuries - that is an entirely different thing. These are big questions.
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I think that if Allah SWT has blessed
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someone, then he should spend on himself
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reasonably. I am not saying that he should
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not wear good clothes or live in a good
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house. He can do all reasonably good
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things but he should not get into
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the cycle of consumerism. He should not be
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worried about the latest trends. He should
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make sure that he performs his roles
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meaningfully and meaningfulness should be
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the most important thing in my life.
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And to ensure that I should have a laptop
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and a good one, because if I buy a
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low quality one, then every two months I will
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have to get it repaired which I cannot do.
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So I want to get a good laptop so that
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I can use it for the next five years or
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till the end. I should have a good pair of
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shoes as I can afford it. But I should not
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change those shoes only because those are
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old. Problem with us that we have started
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throwing away things only because those
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are old. An old item and bad item are two
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different things. I should use even
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eight years old shoes because those are
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still perfect. Right now the problem is
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that we give old shoes in charity thinking
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we have done something good and buy a new
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pair of Adidas thinking we have done the
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right thing. If you really want a pair of
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Adidas, do buy it but for giving as
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charity and feel happy with the old Adidas
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as you will feel happy with the new ones.
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We should create this spirit in ourselves.
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If you see a friend who works very hard
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and if I give him a new pair of shoes he
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will love it and will work with more
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dedication. He is doing some good work. So
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if he takes steps in the right direction
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wearing my shoes it will be good. So give
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him a new pair of shoes and keep the old
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shoes for yourself. We have been unable to
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do that. Every few days we want a new car
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and a new mobile. Do you know that
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cobalt is used in the batteries of your
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mobile phones? You know that the back up
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of your battery is improving and
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the battery can last for five days and
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does not drain out.
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You cannot imagine for this cobalt what we
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have done to the earth. How we have taken
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out cobalt and what has happened to the
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hands taking it out. People have lost
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their hands and their eyes just to make
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the latest mobiles available to us.
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Whole tribes have been devastated. I am
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telling you this and the media will never
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show these things. Media will only show
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the content which will increase your
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consumerism and love of things. But we
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have to think about this.
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We have made it compulsory on ourselves
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that for Eid we have to get new clothes.
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In fact, the clothes you have are fine
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and you do not need new clothes. You
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should be satisfied. Is it a must that
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you should wear new clothes on Eid?
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We were advised to wear your best clothes
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on Eid and not new clothes. This is our
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twenty-first century interpretation that
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we should wear new clothes on Eid. We were
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told to wear the best dress we have on Eid
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and this is all that is expected from you.
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But you go to a brand store and spend
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so much. We have to understand this.
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As a result of this, our nation is unable
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to do anything great. Right now the
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achievement of the Ummah is to buy Nikes
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and BMWs and shift from one house to
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to another house.
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Ummah is constantly busy in shifting from
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a four hundred yard house to a thousand
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Sq. yard house. Or shift from a two Kanal
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house to an eight Kanal house. The energy
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of the Ummah is spent only on these
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activities. New clothes, new car, and new
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mobile and that is all. There is no
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meaning in life. I am really sorry if I
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have disappointed you by such
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a conversation. I don't know how harsh
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I have been but I think that if I don't
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talk about these things, I will be
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accountable before Allah. I think and pray
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that the ummah develops a narrative to
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challenge and resist consumerism and
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counter it. At least we should accept
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and acknowledge the concern, that it was not
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necessary to purchase so much in life as
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I have done. At least each one of us
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should think that whatever he has
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purchased alas, he did not buy so much as
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it was not necessary.
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Let me share one more thing. We don't feel
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the need for knowledge, that is required
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for living a life. Whereas the amount of money
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required for life is always insufficient
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in our eyes. Even if we have twenty times
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more money than necessary for life, we will
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think it is not enough. But if we acquire
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only one tenth of the knowledge required
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for living a meaningful life, we think
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it is too much. This is how we have been
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oriented by society. And the whole model
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of capitalism is behind this.
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