Moving Without Transgressing

Transgressor!

Believe in Allah and His Messenger, and spend of that whereof He has made you trustees. And such of you as believe and spend (in Allah's Way), theirs will be a great reward. 

57. Al-Hadid (The Iron; 7)

And We said, "O Adam, dwell, you and your wife, in Paradise and eat therefrom in [ease and] abundance from wherever you will. But do not approach this tree, lest you be among the wrongdoers."

2. Surat Al-Baqarah (The Cow; 35)

Since the beginning, we have been given limits that we could not cross. Like a board game, those limits become rules in which we must abide to, it is still possible to come out a winner. However, board games like Monopoly doesn't really teach the complexity of how money is spent monthly.  It doesn't have charity or monthly expenses. The sole purpose of the game is to spend all the money we have, as quickly as possible, to win.

The game of life (not the board game) has its limits. The limits within personal finance is our income. If we spend our money on a cash basis, it would be impossible to step over the limits. The only way to step over is to use debt instruments, like credit cards, then falling into debt.

O you who have believed, do not prohibit the good things which Allah has made lawful to you and do not transgress. Indeed, Allah does not like transgressors.

5. Surat Al-Mā'idah (The Table Spread; 87)

I have to underline that debt itself is not forbidden (credit cards, however, is a wider discussion which needs to be saved for a later time). It is possible to have debt but not transgress. From my previous post, by dividing our budget into present, future and past needs, we can set either the future or the past as our limits to debt.

We can also switch our focus to our limitation, income. It is possible to raise the limit by having a bigger income. Find a job that pays higher or negotiate it. And that is probably the only way we can move within the limits, with Allah's blessings (getting an increase in income or a job with one).