Circumstances can change, and financial difficulties may arise but we, at DIB, are always ready to help you with your financial obligations and to get back on track.
If you are having trouble keeping up with payments or require any information about collections, our expert team of finance counselors (under Special Accounts Management Unit) are always available to help and guide you with possible solutions.
We always encourage our customers to reach out to us and amicably discuss payment of any overdue amounts because we know that it is only beneficial to customers to ensure that their dues are paid on time.
Budgeting is a fundamental aspect of financial management, allowing individuals to take control of their money and work towards their financial goals. At its core, budgeting involves tracking income and expenses to create a plan that allocates funds effectively. By accurately recording all sources of income and categorising expenses, individuals gain insight into their spending habits and can identify areas where adjustments may be necessary. This process helps prioritise essential expenses, such as housing, transportation, and groceries, while also allowing for discretionary spending on non-essential items like entertainment and dining out in compliance with Sharia rules.
This can be done using various tools and methods, from traditional pen-and-paper tracking to sophisticated budgeting apps and software. We have designed an easy to understand excel sheet to track your income and expenses. Knowing this information empowers you to make informed decisions about your finances, prioritise essential expenses, and identify areas where adjustments can be made to achieve financial goals.
Moreover, budgeting is not a one-time activity but an ongoing process that requires regular review and adjustments. Life circumstances, expenses, and financial goals can change over time, so it is important to revisit and revise the budget as needed. By staying proactive and flexible, you can adapt your budget to reflect changing priorities and ensure continued financial stability.
For our self-help tool, click here
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Our dedicated team of finance counsellors are always available to support our customers in need of assistance, ensuring that tailormade solutions are offered to get them back on track with their payments.
To discuss your queries with our counselors:
