How can husband and wife set long-term financial goals together?

Shared financial goals give every ringgit a purpose and unite the couple in the same direction. Sit together and list your big hopes: performing hajj, owning a home, the children's education, or retirement. Put a rough estimate and timeframe on each, then break them down into small, affordable monthly savings. Review progress every few months and celebrate each milestone. Distinguish between must-have goals and nice-to-have goals, so that the family's needs are not affected. Intend every saving as a blessed preparation, not a sign of worldly greed. See family finances.