A Fresh graduate from the university and you got lucky and have been recruited in a well-reputed company in the country. Highly paid (About 800 RO/Month) for starters. And you got some one in mind that you’re looking forward to get hitched with. Your family is a mid class not rich nor poor.

Issues in your mind right now are:

1. Car: Should you buy a second hand BMW 740 Model 2000 from the 2nd hand car dealers or go for a classic new car like honda accord 2005 where you will need to pay a down payment of 1500 RO to get the installments to be 122 RO per month. Or do you just settle with the companies offer to use there vehicle for as little as 50 RO per month and buy a new car later?


2. Soul mate: So you’ve been with her for as long as you can remember since you two were freshmen at the uni and you decide that she's the one you wanna spend the rest of your life with. How do you go on organizing your savings to get to her (Her mahar is lets say about 3000 RO :) )

3. Your future Empire: Meaning your home with your beloved wife to be. How are you going to save up to fully furnish an apprment with lets say 3 bedrooms to start with.

4. Your dad loved you so much that he applied for a free land for you in your child hood and fortunately you earned a hot spot in the capital how are you going to budget your self to start saving for building your own Rome. Will you consider a loan from the bank?


Would really appreciate answers from married men too cause they would have been through it all :)

ok, you situation was simmiler to my husbands .. let me tell you what he did:

1- he bought a second hand car from his bro .. he didnt have to pay him stright away but he kept on deducting 100 rial every month for him

2- his father paid the mahar for him :p but, he had to pay for the wedding, which he took it as a loan from his father .. and finished paying it after 2 years.

3- When we got married, my dear mom spread the news to my relatives, that we are furnishing a new house so whoever want to get me a gifit for the house, she has a list and they could choose what they find suitable .. lots of the house stuff we recieved as gift. The furniture, again a loan from his dad ..

4- that what we are trying to figure out now :p

1. Why do you need a new car or an old flash one? Get an old simple one for OR 500! Don't take on a debt you don't need!

2. If you're sure about getting married, then save as much as you can for things you need after, don't get into debt on a wedding. I can't tell you whether or not to marry, but if it feels right, go for it. Only you know if you are really sure about her.

3. If you've been careful with the stuff above, then it should be OK. You can get a lot of decent things used if you shop around a bit, and then just get the essential personal things like your bed and some decorations new.

4. Leave it. It will still be there in ten years, and you are not in a position to build now. Rent a cheap, cheap apartment, it's all you need, and start saving. Alternatively, if it's a big enough plot and it's expensive land, then maybe you can come to an agreement with a property developer to form a joint venture: You provide the land, they do the building to an agreed design, on a small apartment block. The rental market is good. Then they and you jointly own the building with a proportion of the apartments each depending on the value of what you put in, so you have somewhere free to live and maybe one or two more for an extra income. Then later on if you want, you can buy cheaper land and build or buy a house yourself with the money you can save from the rental income. But if you do that, be careful!

Car is not an issue for me at all in my life, so basically I wouldn't care about it, but then yes as a mean of transportation I wouldn't want a BMW I'd rather go for a normal car for the time being to save more money.

The RO800/month I’m receiving is not hard to manage dear! A savings account I'd start with the bank would save me that amount and help me to reach the target I need. I can live for just RO350/month in Oman (personal/home expenses); life is fairly cheap in Oman. However to reach the target of RO10000, I would save the first 2 years as much as I can, and would not look into buying an expensive car and whatsoever right after getting a job, that wouldn’t be wise in my opinion, then after that the wedding with my soul mate now this is something I really need to think about deeply eh? Well yeah I think I’d ask her to wait until I have completed 3 years of my new career start.

A hot spot in the city, dude you are killing me now! Reminding about the land, I am in this situation where I really have to start thinking of constructing a house over the place given to me by my family. Well I think for a house I would go for a loan, and try to finish it off within the next few years.

I support buying new cars instead of 2nd hand at least you will make sure it will be ok for the coming 10 years. You don't have to buy expansive one but better to be new to avoide extra cost of maintenance and repair of old cars. Ofcourse you better make some money if you are a new employess, wait for at least 2 years (but you can make malka with your future wife in the first year) which means you will have 24 * 800 = 19.2K OR. With this amount of money you can buy a new car and get married and also rent a fat or stay with your parents for the first one or 2 years.

About the land if it's located in expansive area in Muscat then depending on the price, you can sell if you got a good offer like 30 to 40K OR. With this money you can buy a land in other cheaper area and start building your own house when you have enough money. Doesn't have to be big villa, for a new couple one story house with 3 rooms is enough for the coming 15 years.

Avoide taking any bank loans as the bank will just suck your blood beside it's being haram also for riba reasons.

Good luck!

-I think take advantage of Co. car should be the best choice, as u only get to pay small amount and you can save and buy your dream car when things are sorted out.

-With income of RO. 800, it should be sufficient to save for required mahar within 6 months, if you spend wisely.

-About the apartment, since you'll be 2 of you why going for 3 bedroom apartments, its too big for someone who's starting a life, 2 bedroom should be enough and about furning you don't need to fully furnished only basic things that are really required. Alternative, you can arrange with Furninshing Co. to pay on monthly installment.

-As for the land, it would create financial burden to start everything at one time, may be the issue of building your own house should be considered once you're already settle down. You could check with your Co. if they have employee housing loan scheme. Approaching bank should be the last option if there's no alternative.

Good luck!

How much you estimate land??

If between 20 - 40 thousand try to sell it and avoid taking loan

Loan is headache once you enter it you cant come out of it..

If you sell your land you can marry, buy new or used car and keep balance remaining to buy the land in future plus your savings.. you are very lucky.. you dont have to think about it..

Arabian Princess

Looks like you too were in a rush to get hitched at that time.. Oh well you know what they say the earlier the better .. Am glad you are settled and working your way out .. Its good to know that your side made an effort to furnish the house too and didn’t leave the burden fully on your husband


Mimosa & Amir

Believe me man you keep telling that to your self that your gonna be economic after graduation and your gonna spend and not go for luxury stuff when you begin work ... but temptations are always there .. I really liked your ideas .. They really do work on the long run .. why rush luxury stuff now only to suffer the quanciquances of loans interests in the future..


Amir .. Finishing your house through a loan.. man come to think of the interest that comes with the loan that’s one major pain man .. don’t you like think about renting an apartment for a period of like 4 to 5 years after marriage when you can save up and build it in cash .. does that sound practical or am I dreaming.. i mean its at least better then paying for 25 years with the interests involved within it.

Call me crazy but I really believe that there is a way past the loans don’t you??


IceTea & Mahmood

Hehehe ok lets put it this way the land is hot all right but not like 40k hot more like 20k hot lets say an area like al hail sea side ... It wouldn’t be worth selling a land like that cause the next thing you know your budget will only permit you to build at mabeela or a far distant area like that

H-Highness


Co. car is that like to rent a car .. am not sure !!! .. sounds unfeasible to me cause its more like over 100 Ro per month where that could actually be your installment for a new car


Good ideas guys