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Advices for parents:


Teaching the kids about the importance of saving and how to control their expenditures from an early age is necessary, even if the family is financially stable, financial awareness is necessary and it is not limited to a particular age or class. Lack of knowledge on how to save and improper planning will result in serious financial issues.

I got a job! how sould I manage my salary?


Salary is the monthly payment companies pay to employees at the end of the month. Therefore, employees should learn that there are no sources of income in the middle of the month, and should divide the salary from the moment they pick it up into sections, the basic needs, and also allocate a sum of money for entertainment too. 

Try to buy your grocieries from large wholesale markets as the prices would be cheaper enabling you to save more.

Do all your shopping in one go, because the more you go, the more you buy. Always keep an eye on offers published in magazines and newspapers. Cook your own food at home instead of rushing to restaurants where the cost is much higher. besides, home cooked meals are healthier and cleaner. 


Use a piggy bank for coins and extra change, it will gather into a good amount of money.

Always make donations, charity blesses money and increases it.

Why do we need savings?



Savings help us meet future and immediate needs such as:


  • Savings for emergencies.

  • Personal savings to finance personal needs, such as buying furniture or services (travelling, entertainment, concerts, etc.)

  • Investments for retirement or to owning a business.


In savings for emergencies, the standard should depend on the availability and security of your saving. 

In personal savings depends on the duration of savings period.

savings for investment depends on long term savings.

Newly Married:


The family is a very important element in the society, no matter how big or small, it needs planned goals and objectives, in order for the goals to be implemented there should be good management to focus on expenses and savings.

Successful plans:


For plans to succeed, it has to be tested for at least one year, list down the pros and cons, then do necessary modifications, and finally evaluate it to ge more realistic and successful results.  Now, the question is, is providing for your family that complicated?


The time and effort spent in  planning is much safer than having to deal with a severe financial crisis that might destroy your family. 

The important question now is:
How do you develop a plan to manage the family's finances?



The answer: each family can choose the way they want to plan their finances, however there are starting points, which includes: 

Calculate the monthly fixed expenses, house rent, and various bills.
Write down the income, including all predictable profits for the whole year.

For the staff salary month is multiplied by 12 (number of months in the year), and for those engaged in the trade or free business calculates the average over the last five years.

Calculate net income; which is the result of subtracting expenses from gross income. Net income, is the amount of money we should plan on how to spend.
After calculating net income, determine the savings percentage rate you are going to deduct from it before you start spending the remaining amount.
After dividing the income, the proportion of the food will be selected, in addition to proportion of transportation, personal expenses, and entertainment expenses and so on.
Common Questions




  • Why Sown was the chosen name for your company?

      It came from "secure the self from low money management".


  • Does Sown give financial aid?

      No, Sown offers financial consultations to regulate financial situation of individuals and families.

  • Who are the providers of consulting?

      Consultations are provided by qualified trained counselors.


  • What documentations should the client bring to the consultation?

  1.             National ID card.

  2.            Bank statment (if requested, depending on the case)

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