Duit Raya: Share the joy without breaking the bank!

Hello people! Raya Aidilfitri is just around the corner and do you know what that means?

It's time to dust off the beautiful baju kurung and baju melayu, get some delicious Raya crackers and of course get ready to share duit raya!

But wait, that excitement can quickly turn into stress if you worry about overspending.

Don't worry, we've all been there.

That's why we help you navigate the world of duit Raya with a budget, stress-free approach!

Step 1: Be a financial superhero - budget like a boss!

This is where the magic happens!

Think of your budget as your superhero costume, it protects you from overspending and keeps the Raya experience strong.

To create your own, do the following.

• Know yourself (financially): Grab a pen and paper (or your favorite budgeting app) and figure out how much you can realistically set aside for duit raya. Remember, this should not affect your other financial obligations. Be honest with yourself - avoid that Raya Maggi diet we all dread!

• List your Duit Raya group: Who are your lucky recipients this year? Consider categories such as immediate family (parents, siblings, nieces/nephews), relatives' children, and perhaps even neighborhood children who will delight Raya with happy greetings.

Step 2: Duit Raya Levels - Spreading the Love (and Money!)

Now let's talk about how much to donate.

Remember quantity isn't everything - it's the thought that counts!

Here's a general guide (but you can adjust according to your budget):

• Inner Circle - VIPs: For immediate family members (parents, siblings), you may want to consider showing a slightly higher amount. your love and appreciation. Think RM100 for parents, RM50 for siblings and maybe RM20 for nieces/nephews (especially if you have a big crowd!).

• Largest Family - Spreading the Joy: Distant relatives can visit Raya at this time. . and their little ones are definitely looking forward to duit raya. RM5-10/child is a good starting point. Remember, it's all about strengthening the family bond and keeping the party spirit going!

• Neighborhood Crew - The Raya Choir: These kids add to the Raya atmosphere with sweet greetings. Token RM1-RM2 is a nice way to recognize them and make their Raya a little brighter.

Step 3: Don't forget the Raya Money Pit Stop!

With your budget and list in order, it's time to get those crisp new bills!

Note that some banks have specific dates for exchanging Raya money.

Popular Tip:

Call your bank branch in advance to avoid disappointment and long queues.

Step 4: Stray Envelope - Organization is key!

You can avoid a last minute envelope by dividing your Raya money into categories that you have created.

Use different coloured envelopes for each group - this will save you a lot of hassle when it comes time to hand out the duit Raya!

Bonus: Duit Raya is going digital!

For the techies, webcasts are a great way to send duit raya

The budgeting steps remain the same - you just skip the queues at the bank!

Platforms like online banking apps, Touch N Go e-wallet, GrabPay and DuitNow are your friends here.

But wait!

Not everyone, especially younger kids, may have access to these platforms.

You can navigate here:

Classic:

Give Duit Raya to your parents and ask them for their children's account details.

This ensures that the money will reach the intended recipient without any "accidental" detours!

Live Transfer:

A simple transfer is enough for people with an internet connection.

There are many platforms available, so it's best to ask them which one they want to use.

Simplicity is king:

If you want to make things easier, ask for their account number in advance.

Then a quick transfer on Raya day and that's it!

Remember it's about the spirit!

The amount of duit Raya you share should not be a source of stress.

As long as you share it sincerely, that's all that matters!

Raya wants to spend quality time with her lover.

Dreading Raya money blues?

This article is your budget-friendly superhero guide! Learn how to manage your duit raya giving, from setting a budget to doling out the perfect amount for your nearest and dearest (and even the neighborhood crew!). Plus, tips for online transfers and keeping it all organized. Read on for a stress-free Raya celebration!