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Imam Ali (a) says:" one who is frugal in wealthiness and poverty, is indeed prepared for the calamities of time."

In another hadith he has said:" adhere to moderation, as it is the best aid for a good life. “

The abundance of hadith in this context, reflects the great importance of prudence and moderation in financial affairs of the family.

Finally we conclude that, if people recognize the limits for costs and expenditures well, and spend their money wisely and prudently, they will never experience (financial) failure and poverty.

► How to increase wealth in the family

Another consequence of moderation in finance, is the increase in wealth; that is to say people can increase their property and wealth through moderating in life expenditures

For instance if three people with equal conditions (the same amount of funds and property) begin a job, while one spends in moderation, the other in scrimp and the third is extravagant in spending, the one who has adhered to moderation in his life will have a stable wealth.

Amir al-Mu'minin (Leader of the Faithful) Ali (a) says herein:" Whoever adheres to moderation, Allah will make him wealthy and needless."

► Failure in moderation: Prodigality

Unfortunately in Islamic countries (due to the will of some anti-Islamic superpowers that are always eager to see consumerism, dependence and poverty in Islamic nations) extravagance and squandering is so common.

In many verses of the Holy Quran, Allah has addressed the Muslims, saying that your enemies envy you and do not like you to have any success.

Consumerism and extravagance is too common in Islamic countries; though if people are vigilant enough, they would be able to counteract this problem easily.

There are a lot of warnings in the Holy Quran and Hadiths (quotes from the infallibles) for believers, which mention the Prodigality as a deadly sin, for which God has promised great punishments.

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► Recognizing the boundaries of extravagance

We have learned so far that financial provisioning of the family has a series of principles and rules, which if respected by the family members, would prevent the family from facing financial failure and bankruptcy.

► What is extravagance and who is called an extravagant person ?

Imam al-Sadiq (a) says herein:
“The extravagant person has three signs;
He buys things which are not congruent with his stature
He wears things which are not congruent with his stature
He eats things which are not congruent with his stature”

These three are the indicative signs of an extravagant person.

This trait of human, which always looks for the best and likes to be known as the best in the eyes of others, or enjoys showing off his belongings in front of others, is the trait that leads him to extravagance.

For instance, the wife puts a lot of pressure on the husband and leads the life toward extravagance ...., or on the other hand, sometimes the husband is extravagant while his wife is frugal, and prevents him from squandering.

It is mentioned in some Hadith that some attributes are reprehensible for men, but admirable for women; miserliness is one of those traits. Woman's miserliness in spending, is desirable for the family, as it prevents her husband and children from being extravagant with spending; this function, is even considered a duty for a housewife.

We also should care not to always desire the best products when shopping. This does not mean we should buy low quality and junk products; but we are not supposed to always have the best ones either. This kind of outlook (to want and to be satisfied with only the best products) is very unhealthy and dangerous, and has terrible impacts on both worldly (which manifests itself as financial and behavioral problems) and otherworldly life, and brings about great punishments in the afterlife.

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Are we included among the extravagant in God's eyes?

► An extravagant person buys things which are incongruous with his condition.

For instance he buys an expensive car which he cannot afford unless by going into a big debt. Buying such items which are incongruous with one's situation and income, is an example of extravagance.

Buying items which are incongruous with one's situation and income, and therefor forces a lot of pressure on the person, is an example of extravagance and is haram (forbidden) and also a deadly sin, which causes a lot of worldly and otherworldly harm.

Following the rules of moderation in financial affairs, does not depend on the amount of poverty or wealth of the person, but on the wisdom, piety and faith of him; it depends on the fact that whether or not he has found that his true value, stature, and honor is not based on the external tools and items, but instead is something internal which is within himself and is in his essence.

There are a lot of people who are rich and also moderate at the same time, they never overspend or waste money, and live calmly and happily. These people share their ease and comfort with others as well, and Allah bestows blessing upon them too.

► Another sign of the extravagant person is that he eats things which are incongruous with his condition.

For instance he goes to a costly restaurant, even though the prices of the foods served there have no congruency with his salary and the amount of money in his pockets.

🌸Imam Ali (a) says: “spending money except in its right place is dissipation and extravagance."
The Arabic words used in this hadith of Imam Ali (a), show two sides of this type of behavior:

1- Spending money in a place which is incongruous with the person's condition.

2- Spending money, in a place which will not lead to any gain for the person.

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