Can I afford this now without trouble?

Will the decision immediately impact financial stability.

Example: “If I take this training course, will it strain my monthly budget?”

Will this affect my money in the future?

Consider the long-term impact of the decision.

Example: “Investing in this pension plan might reduce my disposable income now, but how will I benefit later when I retire?”

What if things go wrong?

Plan for the unexpected and its potential impact.

Example: “What if I have an unexpected emergency, such as a medical crisis. Will the money spent on a new laptop affect my ability to cover those costs?”

Example: “If I use savings to invest in a new business, might I also need a loan if the business needs more funding?”

Is there a smarter choice?

Evaluate if there are better alternatives that could meet needs.

Example: “Instead of buying a brand new smartphone, I can save money by keeping my current one for 2 more years”

Example: “Instead of going on a vacation to Europe for Eid Break, what would be the benefits of taking a regional trip instead.”

Am I being pressured?

Identify if external pressures are influencing decisions rather than genuine needs or desires.

Example: “The salesperson persuaded me to take this gym membership but will it really fit my lifestyle needs?”