The Himma Journal

Money, made clear.

Field notes on personal finance, investing and building wealth as a resident of the UAE.

Featured · Investing

The quietly powerful case for tracking your whole net worth

Most people know their salary and their bank balance. Far fewer know their net worth — and the gap between those two numbers is where financial clarity begins.

16 Jun 2026 · 6 min read
All articles
Saving · 4 min

Building an emergency fund when you live abroad

09 Jun 2026
Investing · 7 min

Index funds, explained for the UAE investor

02 Jun 2026
UAE · 5 min

End-of-service gratuity: the benefit most people underestimate

26 May 2026
Product · 3 min

Why we built Himma calm by design

19 May 2026
Investing · 6 min

Rebalancing without overthinking it

12 May 2026
Saving · 5 min

A simple budget that survives real life

05 May 2026
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New writing, once a month.

No noise. Just considered notes on money, sent when there's something worth saying.