Financial experts have warned against the urge to flash the cash, especially with the next pay day up to six weeks away.
Financial experts have warned against the urge to flash the cash, especially with the next pay day up to six weeks away.

Temptation to spend early salaries over the Eid holidays



DUBAI // The extended Eid holidays and early pay for thousands of residents means shops and malls will have a busy few days.

But financial experts warn against the urge to flash the cash, especially with the next pay day up to six weeks away.

Budgeting is key, says Keren Bobker, senior consultant at Holborn Assets, who advises using cash instead of credit or debit cards to keep track of spending.

"You know that the money paid is your salary," Ms Bobker says. "You need to live on it over the next month so keep reminding yourself of that.

"You don't want to be left out of the festivities but you also don't want to spoil the rest of the month, and your friends will understand if you cannot afford to go out every night."

Public sector workers were paid their August salary two weeks early in time for the Eid celebrations, and many private firms have followed suit.

However, the earlier than expected cash boost was not welcomed by everyone.

Afarin Khazaeni, who works at her father's company as a beauty specialist, refused the offer of an early salary payment to prevent her from overspending.

"I've bought lots of gifts like clothes and jewellery for my friends but I tend to be careful with how much I spend," she said.

"My weakness is shoes and I do have a habit of buying what I like, so I have to be careful I don't over do it but I have a budget and I stick to it - usually."

Malls and retailers are expecting to cash in on the four-day weekend with a huge increase in visitor numbers expected, particularly from GCC countries.

"Things start to pick up slowly from the second week of Ramadan, shopping wise," said Eisa Ibrahim, managing director of BurJuman Mall.

"We tend to find sales really picking up a couple of days before with people buying gifts for Eid."

Ramadan is traditionally a quiet time for retail with many people away on summer holidays and those who are fasting choosing to stay home rather than visit the malls.

"We tend to see the last week of Ramadan pick up with people doing a lot of shopping for clothes, jewellery, gold perfumes and accessories," said Mr Ibrahim.

"During Eid, most people go to the malls to enjoy a meal or coffee and generally celebrate the holiday with friends."

He said the payment of early salaries will mean many people, flush with extra disposable income, will be more inclined to spend.

Electronic stores in particular are expecting a boost in trade.

"This year we are expecting a double figure percentage growth in sales during Eid," said Ashish Panjabi, chief operating officer for Jacky's Electronics.

The Eid holidays also coincide with back to school preparations for many families and smartphones, laptops and tablet computers are expected to be the big sellers, he said.

"In previous years, the custom has been for people to go to the malls after Iftar time but with it being later this year we have had less of that," said Mr Panjabi.

Typically customers spend just below Dh1,000 this time of year, he said.

"We are expecting sales to be up between 20 and 25 per cent compared with last year."

For online stores, much of the demand has been in the run up to Eid as customers stock up on gifts.

"People have been more willing to spend on multiple items like LCD televisions and digital cameras this year," said Sheriff Rizwan, chief executive officer of ALshop.com.

Customers were typically spending between Dh3,000 to Dh4,000 on items, compared to last year's maximum of Dh3,000, he said.

However, Mr Rizwan expected demand to drop over Eid as people head out to shops instead of buying online.

According to Sana Toukan, a research manager for the Middle East at Euromonitor International, Ramadan sales have been strong, particularly on food.

People on higher incomes were spending more on expensive items like jewellery and electronics, while lower income groups tended to shop for lower cost apparel and consumer appliances as gifts.

"Promotions in malls in the run up to Eid are also boosting sales during this period where retailers are focusing on generating more sales outside the shopping festivals," she added.

nhanif@thenational.ae

The White Lotus: Season three

Creator: Mike White

Starring: Walton Goggins, Jason Isaacs, Natasha Rothwell

Rating: 4.5/5

Expo details

Expo 2020 Dubai will be the first World Expo to be held in the Middle East, Africa and South Asia

The world fair will run for six months from October 20, 2020 to April 10, 2021.

It is expected to attract 25 million visits

Some 70 per cent visitors are projected to come from outside the UAE, the largest proportion of international visitors in the 167-year history of World Expos.

More than 30,000 volunteers are required for Expo 2020

The site covers a total of 4.38 sqkm, including a 2 sqkm gated area

It is located adjacent to Al Maktoum International Airport in Dubai South

Emergency

Director: Kangana Ranaut

Stars: Kangana Ranaut, Anupam Kher, Shreyas Talpade, Milind Soman, Mahima Chaudhry 

Rating: 2/5

11 cabbie-recommended restaurants and dishes to try in Abu Dhabi

Iqbal Restaurant behind Wendy’s on Hamdan Street for the chicken karahi (Dh14)

Pathemari in Navy Gate for prawn biryani (from Dh12 to Dh35)

Abu Al Nasar near Abu Dhabi Mall, for biryani (from Dh12 to Dh20)

Bonna Annee at Navy Gate for Ethiopian food (the Bonna Annee special costs Dh42 and comes with a mix of six house stews – key wet, minchet abesh, kekel, meser be sega, tibs fir fir and shiro).

Al Habasha in Tanker Mai for Ethiopian food (tibs, a hearty stew with meat, is a popular dish; here it costs Dh36.75 for lamb and beef versions)

Himalayan Restaurant in Mussaffa for Nepalese (the momos and chowmein noodles are best-selling items, and go for between Dh14 and Dh20)

Makalu in Mussaffa for Nepalese (get the chicken curry or chicken fry for Dh11)

Al Shaheen Cafeteria near Guardian Towers for a quick morning bite, especially the egg sandwich in paratha (Dh3.50)

Pinky Food Restaurant in Tanker Mai for tilapia

Tasty Zone for Nepalese-style noodles (Dh15)

Ibrahimi for Pakistani food (a quarter chicken tikka with roti costs Dh16)

The biog

Hometown: Cairo

Age: 37

Favourite TV series: The Handmaid’s Tale, Black Mirror

Favourite anime series: Death Note, One Piece and Hellsing

Favourite book: Designing Brand Identity, Fifth Edition

The National's picks

4.35pm: Tilal Al Khalediah
5.10pm: Continous
5.45pm: Raging Torrent
6.20pm: West Acre
7pm: Flood Zone
7.40pm: Straight No Chaser
8.15pm: Romantic Warrior
8.50pm: Calandogan
9.30pm: Forever Young

Test

Director: S Sashikanth

Cast: Nayanthara, Siddharth, Meera Jasmine, R Madhavan

Star rating: 2/5