Financial Freedom, The Ethical Way
A gentle, step-by-step course to help you budget with purpose, invest responsibly, and build long-term stability.
- Values-first budgeting
- Ethical investing basics
- Real-life steps that stick
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Who is this for?
Designed for real life
Made for busy, values-driven people who want clarity without jargon. Beginners welcome.
- New to money and feeling overwhelmed
- Want investing explained simply
- Prefer interest-free, ethical options
- Love step-by-step guidance
9–5
W-2 or 1099
Creator
Side-hustles
Student
Part-time
At-Home
Caretaker
Before → After
Before
- Confused where the money goes
- Avoiding statements
- Scared to invest
After
- Clear monthly plan
- Simple investing steps
- Calm, repeatable routines
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Your 3-Part Journey
Where Does Your Money Go?
Track, simplify, and build a budget that reflects what matters to you. Turn values into numbers you can live by.
Investing Made Simple
Stocks, funds, and retirement—explained plainly, with ethical, interest-free alternatives to conventional bonds. Start small, start steady.
Real Estate, the Smart Way
Responsible paths to buy, rent, and build long-term wealth—clear steps, real examples, and practical checklists.
Inside the Course
PART 1 — Get Clear (Budgeting)
Budgeting with Purpose (from values to numbers)
- Build a Spending Plan that reflects what matters most.
- “Planning mindset” vs “I-want-it-now” mindset—how each shapes your life.
- Spot the Black Hole of Monthly Payments and stop the leaks.
- Turn lifestyle habits into intentional choices.
Track What’s Real (net worth, records, routines)
- Create a simple Net Worth Statement and update it monthly.
- Pick the right bank setup; set up a Mail/Bill Station and filing system.
- Keep receipts and statements tidy so money feels calm, not chaotic.
Debt Detox & Priorities
- List every debt (yes, all of them) and learn the signs of trouble.
- Pick your payoff method and order—then follow it with compassion.
- Understand tax debt and how to avoid surprises.
Spending Plan in Motion (bill plan + envelope method)
- Draft your first Spending Plan using real historical costs.
- Create a Bill-Pay Plan (what gets paid when).
- Pick the system that works for you—whether it’s digital envelopes, an app, or your own weekly tracker—to keep spending in check.
- Handle temptations: comparison pressure, car/house FOMO, family needs.
PART 2 — Invest Ethically
Ethical Screens 101 (why conventional bonds are interest-based)
- Most conventional bonds pay riba (interest) → not permissible (haram).
- What we avoid: interest income, excessive debt, gambling, alcohol, etc.
- Halal options: sukuk (asset-backed), screened equity funds, real estate.
- How to read a fund factsheet and spot compliance red flags.
Build a Starter Portfolio (simple, halal, repeatable)
- Pick a risk mix you can sleep with (time horizon + tolerance).
- Use screened equity ETFs/mutual funds; add sukuk exposure where available; keep a cash buffer.
- We avoid interest-based bonds; you’ll see interest-free substitutes and how to implement them.
- Rebalance once or twice a year—no daily drama.
Automations & Routines that Stick
- Weekly 15-minute money check: log in, review, tiny tweak.
- Monthly review: update net worth, adjust goals, celebrate wins.
- Auto-pay essentials; auto-save for emergencies and investing.
- Create calm with one simple dashboard.
PART 3 — Build Long-Term (Real Estate + Routines)
Understanding Halal Homeownership
- Buy your first home the halal way—no riba, no confusion.
- Learn simple financing paths like Islamic partnerships (Musharakah) or cost-plus options (Murabaha).
- Discover how to plan for your down payment while staying debt-conscious.
Preparing the Right Way
- Know what to ask lenders and what red flags to watch for.
- Get your paperwork, credit, and budget ready before you apply.
- Learn how to evaluate halal lenders and understand key terms with confidence.
Growing with Blessings
- Explore when renting or investing fits into your long-term goals.
- Track home expenses and maintenance so your finances stay organized.
- Build barakah (blessing) in your journey—treat your home as an amanah (trust), not just an investment.
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What you’ll walk away with
A Working Budget
Know where your money goes—on day one.
Starter Investing Plan
Simple steps you can actually follow. Confidence without the jargon.
Calm Money Routines
Weekly check-ins that take minutes. Consistency becomes your superpower.
FAQ — Halal & Practical
Is this course fully halal?
Yes. We avoid interest-based strategies. We explain why conventional bonds earn interest and offer alternatives like sukuk, screened equity funds, and real estate.
I’m brand new—will I be lost?
No. We start at the basics with short lessons and plain English.
Do I need a lot of money to start?
No. Start small, build habits, and grow steadily.
Who can take this class?
Designed with Muslim sisters in mind; anyone who values ethical principles is welcome.
When does enrollment open?
Join the waitlist for dates, bonuses, and early-bird pricing ($149).
Disclaimer
Educational only—this is not personal financial advice.
Ready to feel confident with money?
Join the waitlist for launch updates and early-bird perks.
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