Udhaar, khata and shop money
Written for small shops. How to write udhaar the safe way, get your old money back, run qist plans without interest, and keep your khata clean.
244 articles English & Roman Urdu Free to read, always
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Step-by-step guides24Udhaar
Write it safely, and get the old balance back.
45 articlesInstallments
Installment plans that stay fair, with no interest.
26 articlesStock
Know what is on the shelf without counting all day.
44 articlesCustomers
Keep the people who keep your shop running.
32 articlesShop money
Expenses, cash and the profit you actually made.
62 articlesApp tutorials
Step-by-step walk-throughs of the Wasoolo app.
23 articlesWhat's new
12 articlesAll articles
244 articles
When Someone Asks You to Prove Your Shop's Income
A landlord, a wholesaler or a form wants to see what your shop earns. What they really check, what a believable record looks like, and how to build one.
Read article MoneyInstallmentsA Qist Plan on Something That Earns Its Own Money
A sewing machine or a hand cart pays its own installment. Size the qist from what the item earns, set the first date six weeks out, and fix the total.
Read article MoneyStockThe Crates and Cylinders That Never Come Back
Every crate and cylinder in a customer's kitchen is your money. Count what is out, set a deposit worth returning, and keep it out of your sales figure.
Read article ProblemCustomersThe Khata Entry Whose Customer You Cannot Name
An open balance with a first name and no number is a customer problem, not a maths one. How to work out who he was, ask well, and stop it happening.
Read article CompareUdhaarUdhaar Limit in Rupees, or a Limit in Days?
One fence caps how much a single name can owe you. The other caps how long your money stays out. What each stops, what it misses, and which your shop needs.
Read article MoneyStockBuying the Stock of a Shop That Is Closing
Half price is only cheap if you buy the right half. Sort a closing shop's goods into three piles, price only the first, and never take the lot to be kind.
Read article ProblemUdhaarThe Udhaar That Came With the Shop You Bought
Bought a running shop and got its old udhaar register too? Decide whose they are before you pay, verify every name with the seller, then start your own book.
Read article MoneyCustomersOne Fixed Monthly Rate for a Household's List
A household wants one number for its whole monthly list. How to cost that list at your real buying rate, fix the quantities, and still earn on it.
Read article MoneyShop moneyHow to Price the Work You Do, Not the Goods
Your hour arrives with no invoice, so it gets valued at whatever feels fair. Work out what an hour of your shop costs, then price every job from that floor.
Read article ProblemInstallmentsThe Day You Have to Ask the Guarantor to Pay
Tell the guarantor at the first missed qist, as news not a demand. The ladder from a missed date to his counter, the words to use, and the sum to ask for.
Read article ProblemCustomersWhen a Customer Says Your Weight Was Short
A customer says the sugar weighed less at home. Why an honest shop still looks short, what to say at the counter, and the record that ends it later.
Read article ProblemShop moneyWhen the Man at the Counter Cannot Use an App
Splitting the work in two: a slip at the counter, eleven minutes in the evening, and one screen taught to somebody who never wanted the whole thing.
Read article CompareUdhaarRefund in Cash, or Credit It to His Khata?
He already paid and something has to go back. Cash out of the galla or credit on his khata: what each really costs, and what you must write down.
Read article MoneyInstallmentsHow Long Should a Qist Plan Run?
A qist plan's length is its own decision. Set it by the item's working life, what a household can spare, and your own cash, never by the payment size.
Read article CompareStockA Supplier's Full Range, or Only What Sells?
Better rate, a free rack, first call in a shortage, and sixteen items your street never asks for. The arithmetic, the warning signs, and the middle path.
Read article MoneyCustomersTaking On the Customers of a Shop That Closed
A shop near you shut and its buyers are at your counter asking for udhaar. How to read the closure, sort the arrivals, and grow without draining your cash.
Read article MoneyStockBuying Stock Together With Another Shop
Two small shops can reach a rate slab neither reaches alone. The four things to settle first, who to do it with, and how to keep it out of your own figures.
Read article MoneyShop moneyThe Repair Bills That Never Reach Your Accounts
Paid in cash from the drawer, never written, and adding up to near a month of rent. The year totalled, the eight things to check, and where the money sits.
Read article ProblemUdhaarAsking the Man Who Once Helped You for Your Money
He backed your shop when nobody else would, and now he owes you. Why silence costs more than asking, and the exact words that keep both the money and him.
Read article CompareInstallmentsHand Over the Qist Item Now, or at the End?
Holding goods protects the item; handing them over protects the payments. Which your shop needs, what holding really costs, and the number that settles it.
Read article updateWhat's newWhat's New in Wasoolo 3.1.0: A New Upgrade Page and Receipts
Wasoolo 3.1.0 brings a clearer upgrade page, a receipt for every supplier payment, approvals for installment plans and closing a khata on any date.
Read article ProblemCustomersThe Customer Who Keeps His Own Khata Too
He is not checking on you, he is your best payer. Compare the two books by date instead of by total, on a fixed day, and fix whichever side is wrong.
Read article ProblemUdhaarHe Will Pay You When Someone Else Pays Him
Sometimes a customer's money really is stuck elsewhere. Two questions that tell you if it is true, and the small weekly amount to take instead of waiting.
Read article ProblemStockThe Goods He Took Home Just to Look At
It left the shop with no sale and no entry, so it exists nowhere. The eight-second note, the return date, the deposit, and the day it becomes udhaar.
Read article CompareShop moneyRent Out a Corner of Your Shop, or Fill It?
Rent is certain and small; your own goods are uncertain and larger. The arithmetic, the footfall question that decides it, and seven things to agree first.
Read article ProblemInstallmentsWhen a Qist Plan Moves to Another Person
A plan cannot simply change names. Close the old one, check the new buyer as a stranger, and write a fresh schedule around what he actually earns.
Read article ProblemCustomersThe Complaint That Comes Back Weeks Later
He bought it twenty-four days ago and now it is torn. How to decide the fault in ninety seconds, and the order to offer repair, replacement, credit and cash.
Read article MoneyShop moneySelling Someone Else's Goods on Commission
Goods that cost you nothing to stock still cost you shelf, cash handling and trust. What to settle before they arrive, and how to keep the money from mixing.
Read article MoneyStockHow Low Should Stock Get Before You Order Again?
Ordering too late loses sales, ordering too early locks up cash. Three numbers set the right level for every item, with a worked example and a method.
Read article ProblemInstallmentsWhen the Qist Item Breaks or Gets Stolen
The object is gone but the balance is not. What to say in the first two minutes, and why broken, stolen and sold on need three different answers.
Read article CompareStockBehind the Counter or on the Open Shelf?
An open shelf sells more and loses more. Which items earn their freedom, which belong behind you, and the middle arrangement most small shops settle on.
Read article ProblemUdhaarWhen His Family Asks You to Stop His Udhaar
A relative comes to the counter and asks you to stop the credit. What you may say, what is never yours to tell, and how to stop without a public refusal.
Read article MoneyShop moneyWhich Items in Your Shop Actually Earn the Money
The busiest shelf is rarely the earning shelf. One subtraction per item, a worked example on five products, and the four kinds of stock every shop carries.
Read article ProblemStockThe Goods You Take Out of Your Own Shop
Tea for the counter, soap for the house, a packet for a guest. None of it was a sale, all of it left the shelf, and your stock count pays for the difference.
Read article CompareShop moneyNew or Used Equipment for Your Shop?
The sticker gap is not the real gap. What running cost, repairs and working life do to a half-price machine, and the three questions that settle most cases.
Read article ProblemUdhaarHe Pays Only When You Stop Giving Him Goods
Some customers never pay while the shelf stays open to them. What that habit is really telling you, and how to use a pause on goods without losing the person.
Read article ProblemShop moneyHalf in Cash, Half by Transfer: One Payment
A customer pays part in notes and part into your account. One entry, two homes for the money, and four places the second half quietly disappears.
Read article MoneyInstallmentsWhat to Tell a Customer Before a Qist Plan
Six numbers he must hear before he agrees, the total said out loud including your markup, and the one page you both keep. Five minutes that decide ten months.
Read article MoneyStockYou Paid the Supplier and No Goods Came
An advance is money he owes you until the stock arrives. Record it on his account, fix four things at the counter, and chase it in steps that escalate.
Read article ProblemUdhaarWhen Somebody Else Comes to Clear His Udhaar
A father, a brother or an employer arrives with money for another man's khata. Whose payment it is, what to write, and the four ways it becomes an argument.
Read article MoneyStockThe Supplier Target Scheme That Buries Your Cash
Take forty cartons instead of twelve and four come free. Work out what the bonus pays against the money it locks up, and how to counter-offer politely.
Read article ProblemShop moneyTaking Shop Orders on WhatsApp Without Losing Any
Messages, voice notes and lists arrive all morning and half of them turn into arguments. One reply message and one khata entry fix nearly all of it.
Read article ProblemUdhaarNumber Every Khata Entry, and Gaps Show Themselves
An unnumbered khata page can be added to by anybody, and mistakes hide in it. One running number per entry turns your record into a sequence you can check.
Read article CompareShop moneyA Partner's Money or a Loan to Grow Your Shop?
One obligation ends and leaves the shop yours. The other never ends and brings a second head. Six questions, the three-year arithmetic and the rules for both.
Read article MoneyInstallmentsClosing a Qist Plan Properly on the Last Payment
The last payment is not the end. Check the total, mark the plan finished, give a no-dues slip, free the guarantor and hand his papers back the same day.
Read article ProblemUdhaarGiving Udhaar Again to a Customer You Once Cut Off
He stopped paying, you closed his page, and now he is back asking for credit. Here is how to restart small, keep the old balance separate, and stay safe.
Read article ProblemCustomersAsking for Your Money When the Customer Is Upset
He owes you and he is annoyed with you about something else. Settle the complaint first, keep it out of the balance, and ask with a number and a date.
Read article ProblemStockYour Supplier's Total and Yours Do Not Match
His book says one number, yours says another, and both of you are honest. Here is how to find the gap line by line instead of arguing about the total.
Read article ProblemShop moneyWhen the Road Outside Your Shop Is Dug Up
Walk-in trade thins, buying carries on and udhaar quietly grows. Here is how to cut stock, tighten credit and protect cash while the road stays closed.
Read article CompareUdhaarGive Udhaar to Shops or Only to Households?
A household pays from a wage you can name. A business pays from money it is still owed. Two risks, two limits, two clearing days, and the rules for each.
Read article ProblemStockLending Goods to the Shop Next Door
A dozen soaps here, a carton of milk there, nothing written down. Borrowing stock between neighbouring shops is useful, until neither side can total it.
Read article MoneyShop moneyWhich Bill Gets Paid First When Cash Is Short
Rent, electricity, your helper and two suppliers all want money and the galla holds half of it. Rank them by one question instead of by who shouts loudest.
Read article CompareUdhaarWrite Off an Old Udhaar or Keep Chasing It?
A balance that has not moved in a year is costing you more than it looks. Compare what chasing really costs against what a clean write-off actually buys.
Read article MoneyInstallmentsWhen a Qist Customer Pays More Than the Qist
His installment is Rs 5,000 and he hands you Rs 13,000. There are only two honest answers, and leaving the extra floating is not one of them.
Read article CompareCustomersOne Khata per Customer, or Several?
His daily groceries and the fan he is paying off in installments can share one running page, or sit apart. Each answer solves a problem and creates one.
Read article MoneyShop moneyWhen Your Helper Asks for a Loan, Not an Advance
An advance is salary paid before it is earned. A loan is something else entirely. Size it, write it down, and take it back without wrecking his month.
Read article ProblemUdhaarWhen a Customer Pays You in Goods, Not Cash
The tailor offers stitching, the farmer offers wheat, the electrician offers a day of work. Settling udhaar without cash is fine, if you price it first.
Read article updateWhat's newWhat's New in Wasoolo 3.0.0: Your Own Khata Form and More
Wasoolo 3.0.0 lets you shape the New khata form, prints what is pending on every purchase bill, suggests your old notes, and makes sign-up shorter.
Read article ProblemCustomersTwo Customers, One Name: Keeping Khatas Apart
Three men named Aslam and one khata entry between them is how a shop loses money it can never prove. Give every khata a second name that cannot repeat.
Read article MoneyUdhaarHow Much Total Udhaar Can Your Shop Carry?
Most shops set a limit per customer and none at all for the shop. Work out the one number that says when your counter has to stop giving credit.
Read article CompareInstallmentsDaily, Weekly or Monthly Qist: Which Gets Paid?
The same plan collects very differently at Rs 200 a day, Rs 1,400 a week or Rs 6,000 a month. Match the rhythm to how your customer actually earns.
Read article MoneyShop moneyShould Your Shop Take a Cheque?
A cheque is a promise with a delay in it, not cash. Here is when to accept one, the five checks before you do, and what to do when it comes back unpaid.
Read article ProblemUdhaarHe Clears His Khata, Then Asks for Double
A customer settles his whole balance and immediately asks for twice as much. Clearing proves he can pay one amount, not that he can carry a bigger one.
Read article MoneyInstallmentsA Qist Plan for a Customer Who Already Owes You
He has an open udhaar balance and now wants a big item on instalments. Keep the two apart, shrink the old page first, and size the plan honestly.
Read article ProblemCustomersKeep Every Customer's Number and Address Current
The day you need to reach a customer is the day his number is dead. Take it at the counter, ring it once while he stands there, and keep it fresh.
Read article CompareShop moneySpend on the Shop's Look or on More Stock?
You have Rs 60,000 spare. Paint, shelves and a board, or more goods on the shelf? Some looks pay for themselves fast, and some stock never pays at all.
Read article MoneyStockThe Costs That Never Reach Your Buying Rate
Transport, loading, breakage and wastage do not appear on the supplier's bill, so they never reach your rate. Work out what a carton really costs you, once.
Read article ProblemCustomersWho Should Be Able to See a Customer's Khata
A balance is the customer's private business, not shop news. Decide who may read a page, what a relative gets told, and how to answer without losing anybody.
Read article ProblemShop moneyHanding Your Shop and Khata to the Next Person
One day somebody else opens your shutter. Hand over the khata, the balances, the supplier terms and the papers while you are still there to explain them.
Read article MoneyStockChanging Your Supplier While You Still Owe Him
You found a better rate but still owe the old supplier Rs 140,000. Agree a written payoff schedule before your first new order, and plan the overlap months.
Read article ProblemUdhaarGetting a Signature on a Big Udhaar
A big balance needs more than a line in your register. Five lines on a slip, signed or thumbed in front of you, settle most arguments before they start.
Read article MoneyShop moneyYour Shop Shows Profit but the Galla Is Empty
The month says you earned Rs 61,000 and the galla holds Rs 4,300. Your profit is real, it is sitting in udhaar, stock, supplier dues or the house.
Read article CompareStockCount Your Stock in Rounds or Once a Year?
One shop shuts for a day and counts everything once a year. Another counts twenty items every week. Here is what each rhythm costs, and what it finds.
Read article ProblemStockWhen the Delivery Is Not What You Ordered
The van is at your door with the wrong size, brand or colour. Decide before you sign: send it back, keep it at an agreed lower rate, or keep it at full rate.
Read article ProblemShop moneyWhen Your Helper Quits Without Warning
He says on Thursday that he is not coming from Monday. Settle the days, the advance, the goods and the money he collected that same evening, on paper.
Read article ProblemCustomersWhen Your Helper's Relative Asks for Udhaar
Your helper's cousin asks for udhaar while your helper stands there. Open the khata in the buyer's own name, keep the first limit small, keep the yes yours.
Read article ProblemCustomersMoving Your Shop: Will Your Udhaar Customers Follow?
Rent up, landlord back, a better street: when you move your shop, the open khatas decide what you keep. Confirm every page before the shutter drops.
Read article CompareShop moneyOne Closed Day a Week, or Open All Seven?
What a closed day really costs in margin, what it buys back in stock counts and collections, and how to shut one day a week without losing customers.
Read article ProblemUdhaarWhen Someone Asks You to Stand Guarantor for Him
Somebody asks you to stand guarantor on his qist plan. What you are really signing, the five questions to ask first, and how to say no without losing him.
Read article MoneyInstallmentsAdding a Second Item to a Running Qist Plan
A customer five months into a fridge plan wants a washing machine on the same one. Make it a second plan, not a bigger one, and the finish line stays visible.
Read article CompareShop moneyLeave the Day's Cash at the Shop or Take It Home?
Both answers are normal and both go wrong the same way. What each one really costs, the float nobody separates, and the third routine most shops settle on.
Read article ProblemStockThe Free Cartons and Samples Your Supplier Leaves
Buy ten get one, a box of samples, a replacement for spoiled stock. If none of it is written down, your buy rate, your count and your profit are all wrong.
Read article ProblemShop moneyTeach Your Helper to Write the Khata Your Way
A second handwriting in your book can save you an hour a day or cost you a customer. The rules to teach, what to hold back, and the four-minute evening check.
Read article ProblemInstallmentsWhen a Qist Plan Breaks and the Item Comes Back
He has stopped paying and wants to hand the fan back. What the item is really worth now, what he gets credited, and how to settle it so nobody is robbed.
Read article CompareCustomersA Price Board on the Wall or Quote Each Time?
Showing your rates ends the haggling and ties your hands. Quoting keeps room to move and quietly costs you money. What each one gives, and the middle answer.
Read article MoneyStockPaying a Supplier Who Is in Another City
The goods come by road and the money goes back another way. How to pay against a bill, what each route proves, and the reference line that ends the arguments.
Read article MoneyShop moneyAdding a Service Counter Beside Your Shop
Photocopies, top-ups, bill payments, small repairs. How to pick one that fits your counter, what it costs to start, and how to know in two months if it works.
Read article ProblemUdhaarThe Khata Entry That Went on the Wrong Page
Two customers, one busy evening, and Rs 3,400 written on the wrong page. How to find the entry, correct it so both sides can read it, and say so first.
Read article MoneyUdhaarWrite Your Shop's Udhaar Rules Down Once
Deciding credit one customer at a time under pressure is what costs shops money. Six questions, one written page, and the rule refuses instead of you.
Read article ProblemCustomersWhen a Customer Wants to Close His Khata
He says he is settling up and stopping. Close the khata properly: agree the figure, hand him paper, keep the record, and leave the door open behind him.
Read article ProblemStockThe Supplier Who Hands You Goods and No Bill
No bill, no delivery note, just a rate said out loud. Here is the two-minute routine at the step that keeps the rate, the count and every payment straight.
Read article updateWhat's newWhat's New in Wasoolo 2.9.0: One Invoice for Every Sale
Wasoolo 2.9.0 gives every sale its own invoice ending with the Total remaining, tidies small roll receipts, and lets you undo a qist plan change.
Read article CompareStockA Weekly Bazaar Stall or More Stock at the Shop?
Rs 60,000 spare: a stall on the bazaar ground, or deeper stock on your own shelves. Cost the whole day honestly, then let a month of ticks decide.
Read article ProblemShop moneyWhen Your Helper Takes Goods Against His Salary
He takes tea, soap and oil off your shelf all month and nobody writes it down. Here is the rate to charge him and the page that ends the salary-day fight.
Read article MoneyInstallmentsSelling a Used Item on a Qist Plan
A used fridge on eight installments is a different trade to a new one. Price it in cash first, take a bigger down payment, write every fault down.
Read article MoneyStockBuying a Big Pack and Selling It Loose
A 50 kg sack is never 50 sellable kilos. Work out the true cost per kilo after the shortfall, the spill and the pouches, then build a rate ladder.
Read article CompareShop moneyBuy the Shop You Rent, or Keep Renting?
Your landlord wants Rs 40,00,000 for the shop you rent. Here is the number almost nobody works out, and the four questions that actually settle it.
Read article MoneyUdhaarSend Every Udhaar Customer His Balance Monthly
Most shopkeepers name a balance only when they want money. A statement on the same date every month kills arguments, stops drift, and costs half an hour.
Read article ProblemUdhaarKeeping a Khata for a Customer Who Cannot Read
He trusts you completely, and that is the weak part: a record only you can read is not proof. Read the total out loud, and send a slip home with him.
Read article ProblemShop moneyThe Shop Papers You Should Never Lose
The rent deposit, the freezer bill, the guarantor page. Five families of shop paper, why each one bites when it is missing, and how to find any of them fast.
Read article MoneyStockWhen You Cannot Pay a Supplier Bill on Time
The bill is due Thursday and your money is in customers' pockets. What to work out first, what to say on the call, and which supplier to pay before the rest.
Read article ProblemCustomersThe Customer Who Always Comes at Closing Time
He works late, he pays, and he reaches your shutter at ten to ten. Keep the sale and the customer, and never let the entry wait until the morning.
Read article ProblemStockWhen a Supplier's Man Offers You a Private Cut
The company's salesman offers you cash off the bill for a bigger order. Here is what it really costs your shop, and how to move that value onto the bill.
Read article ProblemUdhaarHow to Plan a Collection Round That Gets You Paid
You shut the shop, walk for three hours and come back with two payments. Here is how to build the list, pick the day, plan the route and collect more.
Read article ProblemUdhaarWhen Udhaar Is Agreed on a Phone Call
He phones an order and nobody writes it down. Here is the one minute that fixes it: write the order while he is on the line and read the total back.
Read article ProblemShop moneyWhen Family Takes Goods and Nobody Writes It Down
Family takes goods off your shelf and nobody writes it, so the stock never matches. How to record it, three fair ways to settle it, and how to say it.
Read article CompareStockStock the Cheap Version or the Good One?
The cheaper packet pays you Rs 15 more a piece and sits for four months. Here is the number that really settles it, and the mix most small shops need.
Read article CompareShop moneyOpen Earlier or Stay Open Later: What Earns More?
Two more hours at the morning end or the night end? What each one really brings, why margin and cash per hour decide it, and how to test your own shop.
Read article MoneyCustomersThe Stock You Keep for Just One Customer
A brand kept on the shelf for one buyer looks harmless. Work out the money it locks, the turns it misses, and five better ways to keep serving him.
Read article MoneyInstallmentsHow Many Qist Plans Can Your Shop Carry?
Every running qist plan holds a slice of your working money. Here is how to add up what is locked, work out your own ceiling, and still be able to buy stock.
Read article GuideApp tutorialsClass 23: Wasoolo Customer App Login Explained
Class 23 of the Wasoolo course: give a customer their own login, hand it over by QR or WhatsApp, and decide exactly what their app is allowed to show.
Read article updateWhat's newWhat's New in Wasoolo 2.8.0: Your Papers in Urdu
Wasoolo 2.8.0 prints your invoices, receipts and statements in real Urdu, gives nearly every paper five designs to pick from, and renames old khata lines.
Read article ProblemCustomersWhen a Customer Who Always Paid Suddenly Stops
He settled his khata every month for three years, then stopped. Read the early signals, ask the right question in week two, and hold the balance.
Read article ProblemShop moneyWhen the Payment Comes From Someone Else's Account
The money arrives under a name that is not on your khata. Here is how to match it to the right customer, what to write, and how to stop it happening again.
Read article GuideApp tutorialsClass 22: How to Customize the Home Screen in Wasoolo
Class 22 of the Wasoolo course: make the home screen your own. Twelve ready designs, five button shapes, and every button moved, hidden or added by you.
Read article ProblemInstallmentsWhen the Guarantor Wants Out of a Qist Plan
Halfway through the plan your guarantor asks to be released. What he actually promised, what to check before you answer, and three fair ways to say yes.
Read article MoneyShop moneyWhen Your Shop Rent Goes Up: What Has to Change
The landlord wants more and your sales have not moved. Turn the rise into a daily figure, find four places the money can come from, and touch rates last.
Read article CompareStockKeep Your Stock at the Shop or Store It at Home?
Storing goods at home saves rent and costs you counting, trips and sales you never made. Here is how to split it so the shop always has what people ask for.
Read article ProblemUdhaarAsking for Udhaar After a Death in the Family
A customer who owes you has lost someone. How long to wait, who should raise it, the words to use, and how to shrink the balance into a plan he can carry.
Read article GuideApp tutorialsClass 20: Employee Login, Permissions and Approvals
Class 20 of the Wasoolo course: give your worker his own login, pick exactly what he may open, and decide which of his actions wait for your OK.
Read article GuideApp tutorialsClass 21: Roznamcha (Day Book) in Wasoolo Explained
Class 21 of the Wasoolo course: read your whole day on one page. Where the money started, what came in, what went out, and where it stands now.
Read article ProblemShop moneyWhen Customers Pay You at Home, Not at the Shop
Money handed over at your door, to your son or your wife, is the money that vanishes from the khata. The rule that keeps every home payment in your book.
Read article MoneyStockOne Payment, Three Supplier Bills: Where Does It Go?
You hand over Rs 20,000 against three open bills and nobody writes which one it paid. Here is how to allocate every payment so the account never drifts.
Read article MoneyCustomersThe Customer Who Costs You More Than He Brings
Some customers earn you less than the time, discounts and chasing they take. Here is how to count it honestly, fix it first, and let go without a scene.
Read article GuideApp tutorialsClass 18: How to Manage Investor Khata and Profit
Class 18 of the Wasoolo course: add an investor, mark him a sleeping partner or a shopkeeper, divide the profit by investment, and add it to every khata.
Read article GuideApp tutorialsClass 19: Employee Khata and Attendance in Wasoolo
Class 19 of the Wasoolo course: add an employee, set how he is paid, mark attendance in one tap, and keep his salary, advance and bonus in one khata.
Read article ProblemStockThe Stock Your Supplier Sent That You Never Ordered
Four extra cartons come off the van and the bill already lists them. How to refuse without losing the supplier, and what that stock really costs you.
Read article CompareCustomersA Discount or a Free Item: Which Costs You Less?
Taking Rs 100 off and giving something worth Rs 100 are not the same decision. What each really costs, what each teaches, and when to use which.
Read article ProblemShop moneyWhen People Leave Their Money With You
Neighbours treat the shop as a safe box. Count it in front of them, write it on both sides, keep it out of the galla, and never put it to work for you.
Read article CompareShop moneyHome Delivery or Counter Only for Your Shop?
What a delivery round really earns after fuel and time, the credit trap that rides along with it, and the middle path most small shops end up choosing.
Read article CompareUdhaarCall, Message or Visit: What Gets You Paid
The three ways to ask for your money, what each really costs, and a ladder that decides in advance when to move up instead of leaving it to a bad day.
Read article MoneyStockThe Supplier Who Wants Cash Before Unloading
Advance terms are a price, not a punishment. Find out why he changed them, ask for the cash rate that should come with it, and reshape your orders around it.
Read article updateWhat's newWhat's New in Wasoolo 2.7.0: Move Customers Between Shops
Wasoolo 2.7.0 moves or copies many customers and a loan person between your shops, lets an investor buy on his own khata, and prints the rate per item.
Read article ProblemShop moneyThe Customer Who Wants a Slip Every Time
Which sales really need a written slip, what has to be on it, and why the copy you keep is worth far more to your shop than the one he takes home.
Read article ProblemUdhaarThe New Customer Who Wants a Big Udhaar
A face you have never seen asks for Rs 6,200 on credit. Give a smaller first udhaar with a named date, write it in front of him, and let repayment decide.
Read article MoneyCustomersThe Customer Who Buys Big Once a Year
He spends more in one visit than a regular does in a month, then vanishes. Write down enough to recognise him and reach him before the next job starts.
Read article ProblemUdhaarWhen a Customer Wants His Whole Khata Read Out
He will not pay until he hears every entry. Read it from the first day forward, keep each line readable, and send him away holding a copy of the account.
Read article MoneyInstallmentsOne Qist Plan, Two People Paying It
Two brothers want a motorcycle on instalments and offer to pay half each. Write it in one name with the second as guarantor, and the plan survives a bad year.
Read article CompareStockMany Items or Deeper Stock of a Few?
One shelf, two strategies. Carrying a little of everything and carrying plenty of a few pull a shop in opposite directions. How to choose on purpose.
Read article ProblemCustomersHe Says You Charged Him More Than Last Time
A customer remembers a lower price and stops at the counter. Find the real reason, say it in one short sentence, and write the rate into the khata entry.
Read article MoneyStockThe Sales You Lose to Things You Never Keep
Every no you say at the counter is money walking out. A one-line habit turns those refusals into the most reliable buying list your shop will ever have.
Read article ProblemShop moneyWhen You and Your Helper Count His Days Differently
He says twenty-six days, you remember twenty-four. Why salary arguments happen between two honest people, and the one-line habit that ends them for good.
Read article MoneyInstallmentsWhen a Customer Wants to Finish His Qist Early
He has the money and wants to clear the whole plan today. What to keep, what to hand back, and how to keep the arithmetic honest on both sides.
Read article CompareShop moneyDoes Your Shop Need Its Own Bank Account?
Running the shop through your personal account works until it does not. What a separate account gives you, what it costs, and when it stops being optional.
Read article ProblemStockWhen Stock Breaks or Spoils Inside Your Own Shop
A dropped bottle, a leaking sack, a packet chewed by rats. Nobody owes you for it, so most shops never write it down. Here is what that silence costs you.
Read article ProblemUdhaarWhen You Send Someone Else to Collect Your Money
Your son, your helper or a friend goes to collect. Two things can go wrong: the customer does not believe him, and the cash does not come back the same.
Read article GuideApp tutorialsClass 16: How to Write Expenses in Wasoolo
Class 16 of the Wasoolo course: record every shop expense with its category and account, let rent repeat by itself, and see where the month's money went.
Read article GuideApp tutorialsClass 17: Supplier Khata in Wasoolo — Full Walkthrough
Class 17 of the Wasoolo course: add a supplier, record purchases on Stock in, pay them, send goods back, write the refund and share their statement.
Read article MoneyShop moneyThe Order That Is Bigger Than Your Cash
Somebody wants a quantity your shop cannot fund. Before you say yes or no, work out what it really costs you and which three ways of funding it are safe.
Read article ProblemCustomersThe Customer Who Pays Everyone Else in Cash
He buys with notes at every other shop and then opens a khata at yours. Why that happens, and the calm way to move him back to paying you in cash.
Read article ProblemUdhaarMatch the Udhaar to the Day He Gets Paid
A daily-wage customer and a salaried one cannot be given the same khata. Match the credit to how a person earns and most collection trouble stops.
Read article updateWhat's newWhat's New in Wasoolo 2.6.0: Attendance Sheet and More
Wasoolo 2.6.0 prints an attendance register, reminds you at 6 pm, totals supplier payments by date and counts profit from the buy rate you write.
Read article ProblemShop moneyWhen Your Helper Handles the Cash Box
A short galla is almost never a character problem first. Build the handover, the day count and the rules that protect an honest helper and catch the rest.
Read article MoneyInstallmentsWhen a Qist Plan Has to Change Halfway Through
A customer cannot manage the agreed instalment any more. How to reshape the plan without adding a rupee, keep the total honest, and write it so nobody argues.
Read article ProblemUdhaarHow to Say No to Udhaar Without Losing the Person
Refusing credit does not have to cost you a customer. The rule to stand behind, the exact sentences that refuse kindly, and what to offer instead of nothing.
Read article GuideApp tutorialsClass 13: From Any Stock App to Wasoolo Bulk Stock Importer
Class 13 of the Wasoolo course: bring your whole product list over from any other app in one file, with rates, stock and folders, in two ways.
Read article GuideApp tutorialsClass 15: How to Add a Counter Sale in Wasoolo
Class 15 of the Wasoolo course: ring up a walk-in sale with no customer to save, add items or a hand-typed service line, and keep every bill.
Read article GuideApp tutorialsClass 14: Search, Labels, Filters and Product Profile
Class 14 of the Wasoolo course: search your whole shelf, filter it to one question, read a product's own page, and print your own price labels.
Read article updateWhat's newWhat's New in Wasoolo 2.5.2: Less Data, Faster Sync
Wasoolo 2.5.2 asks the server one question per sync instead of eighty, so the app uses far less mobile data and battery. Every 2.5.1 feature is in it too.
Read article MoneyShop moneyThe Small Change That Eats Your Day's Cash
Rounding down, borrowed change and a coin here and there add up faster than any shopkeeper expects. Where it goes, what it costs, and the float that stops it.
Read article MoneyCustomersWhen the Shop Down the Street Sells It Cheaper
Before you match a rate, find out what is really being compared. What a price cut costs, what a rate cannot beat, and what to say at the counter.
Read article ProblemStockCheck the Delivery Before the Van Drives Away
Most stock shortages are born in the two minutes goods come off the cart. Four checks that fit inside the unloading, and what to do when you find it late.
Read article updateWhat's newWhat's New in Wasoolo 2.5.1: Profit on Every Entry and More
Wasoolo 2.5.1 shows the profit on each sale entry, lets you pick the buy rate you really paid, pre-fills stock-in, and imports products into folders.
Read article ProblemUdhaarWhat to Write in a Khata Entry So It Makes Sense
A khata line that says only a name and a number is useless three months later. The five things every entry must carry, and how to add them in seconds.
Read article CompareStockFetch Your Stock Yourself or Take Delivery?
Going to the market gets you a better rate and a closed shop. Delivery costs more and keeps you selling. How to price your own hours and choose properly.
Read article ProblemShop moneyWhen the Shop Next Door Asks You for a Loan
A fellow shopkeeper needs cash or stock for a few days. What it really costs you, the three questions to ask first, and how to refuse cleanly.
Read article GuideApp tutorialsClass 9: How to See Today's Calling List in Wasoolo
Class 9 of the Wasoolo course: open today's calling list, ring a customer from his khata, save what he said, and set the day you call him again.
Read article GuideApp tutorialsClass 11: How to Make Folders and Add Products
Class 11 of the Wasoolo course: group your shelf into folders, put a folder inside a folder, and add a product with its rate, unit, code and barcode.
Read article GuideApp tutorialsClass 10: How to Manage and Record Loans in Wasoolo
Class 10 of the Wasoolo course: keep money you lent and money you borrowed in their own ledger, correct a wrong balance, and print the statement.
Read article GuideApp tutorialsClass 12: How to Add New Stock (Stock In) in Wasoolo
Class 12 of the Wasoolo course: write the delivery as one bill, so your shelf count goes up and what you owe the supplier is recorded in the same tap.
Read article ProblemCustomersWhen a Customer Sends Someone Else to Take Goods
A child, a helper or a neighbour arrives and asks for goods on a khata. Set the standing rule once, write the entry properly, and the argument never happens.
Read article CompareInstallmentsBuy Shop Equipment With Cash or on Qist?
A fridge, a machine, a generator. Paying outright protects your total, paying monthly protects your working money. Here is how to choose the right one.
Read article CompareShop moneyFixed Salary or a Share of Sales for Your Helper?
One keeps your costs steady, the other makes him care about every sale. See what each does in a good month and a bad one, and how to build a share that works.
Read article updateWhat's newWhat's New in Wasoolo 2.5.0: Counter Sale, Returns and More
Wasoolo 2.5.0 adds a counter sale for walk-in customers, returns on any khata, buying from a customer, one bank account across shops, and a PIN before delete.
Read article ProblemShop moneyWhen Your Helper Gives Udhaar Without Asking You
Your helper handed out credit while you were away and told nobody. Here is why it happens, what it costs, and the rules that stop it without losing him.
Read article ProblemUdhaarAsking for Your Money When the Shop Is Full
You cannot ask in front of five other customers, so you say nothing and he leaves. Here are the words, the timing and the habits that get you paid quietly.
Read article CompareStockSupplier Credit or a Cash Discount: Which Wins?
Your supplier offers goods on account, or a few percent off for paying today. Work out what the delay is really worth before you choose either one.
Read article MoneyShop moneyBuilding a Cash Cushion for Your Shop's Bad Week
Illness, a closed street or a broken freezer empties a small shop fast. Work out how much you need set aside, where to keep it, and how to build it slowly.
Read article ProblemUdhaarYour Khata Register Is Full: What Moves to the New One
Only two things belong in your new khata book: what each name still owes today, and the promises still open. Here is how to carry them over cleanly.
Read article MoneyInstallmentsHow Big Should the Down Payment Be on a Qist Plan?
The first payment decides whether the rest ever arrives. Work out your own floor, read what his offer tells you, and see when a smaller one is still safe.
Read article MoneyStockThe Items You Are Selling Below Your Own Cost
Some lines on your shelf lose money on every sale and look busy doing it. Here is where the loss hides, how to find it in ten minutes, and what to do next.
Read article ProblemShop moneyThe Payment Screenshot That Was Not a Payment
A screenshot is a picture, not money. Learn the four ways it goes wrong, the one check that settles it in seconds, and the rule your helper can follow.
Read article ProblemCustomersWhen a Regular Brings a Friend to Open a Khata
Your best customer says take his friend on credit, he will answer for it. Here is what that promise is worth, and how to say yes without risking two names.
Read article MoneyShop moneyHow to Add a New Line Without Burying Your Cash
A new product line is a bet with your working money. Size the test, set a deadline, watch the three real signals, and know in advance how you get out.
Read article MoneyStockWhen Your Supplier Raises His Rate Quietly
A rate rise nobody announced eats your earning first. Catch it at the door, know what to say to the supplier, and pass it on without losing buyers.
Read article ProblemInstallmentsWhen the Guarantor Stops Answering His Phone
A guarantor is social pressure, not a legal guard. Here is why he goes quiet, what still works when he does, and how to set the next guarantee up so it holds.
Read article ProblemStockCatch Expiry Dates Before They Cost You Money
Expired stock is money you already paid for, thrown away twice. Here is the five-minute shelf routine, the items to watch, and how to sell it in time.
Read article CompareUdhaarOne Khata for the House, or One per Person?
A father, a son and a wife buying on the same credit is where most disputes begin. Compare both ways of recording it, and see the middle path shops settle on.
Read article ProblemShop moneyWhen Two People Write in the Same Khata
An entry nobody remembers making is the hardest kind to defend. Put a name on every line, agree what your helper may write alone, and check without accusing.
Read article GuideApp tutorialsClass 7: Customer Groups, Sort and Filter in Wasoolo
Class 7 of the Wasoolo course: put your customers into groups, then sort and filter the list so the people you need are the only ones on screen.
Read article GuideApp tutorialsClass 8: How to Export Your Recovery List in Wasoolo
Class 8 of the Wasoolo course: narrow your khatas down to the people who still owe, then export that recovery list as a PDF or an Excel file.
Read article CompareShop moneyA Family Helper or an Outsider in Your Shop?
Family costs less in wages and more in rules. An outsider is the opposite. Compare both on money, trust, hours and what happens when it goes wrong.
Read article MoneyCustomersHow to Win Back a Customer Who Stopped Coming
A regular who quietly stops coming is worth more than a new face. Notice it early, ask the one question that works, and fix the reason, not the price.
Read article ProblemShop moneyWhen Your Customer Is Also Your Supplier
He buys from your shop and you buy from his. Keep the two directions as two records under one name, settle only the difference, and fix the day you do it.
Read article MoneyCustomersWhen Every Customer Asks for a Discount
A discount comes out of your profit, not your price. Work out what one item earns you, set a floor before the shop opens, and learn what to give instead.
Read article ProblemUdhaarThe Customer Who Promises Every Time and Never Pays
A promise is not a payment. See what a year of "I will pay tomorrow" costs you, and the four steps that turn a soft promise into a real date and amount.
Read article CompareStockOne Supplier or Several: What Suits Your Shop
One supplier means a better rate and longer credit. Several mean safety and a real comparison price. Here is the whole trade, and what most shops settle on.
Read article ProblemUdhaarThe Udhaar You Forget to Write Down
The udhaar entries that go missing are the small ones, handed over in a rush. Here is a ten-second counter habit, and how to rebuild a day you already lost.
Read article ProblemUdhaarWhen a Customer Returns Goods He Took on Udhaar
Goods bought on credit are coming back. Take the agreed amount off his balance instead of opening your galla, write the reason, and put the stock back.
Read article CompareShop moneyOpen a Second Shop or Grow the One You Have?
A shop falls empty nearby and you have four days to decide. Test whether your first shop is really full, count what each road costs, then try before you sign.
Read article ProblemShop moneyWhen You Have to Leave Your Shop for a Month
Hajj, a wedding or an illness takes you away for weeks. Stop new udhaar early, hand over a counted shop instead of a trusted one, and read the book from far.
Read article MoneyStockTwo Rates for One Item: Retail and Wholesale
One rate for everybody quietly costs you money. Set a normal rate, a bulk rate tied to a quantity, and a floor you never go below, then write all three down.
Read article GuideApp tutorialsClass 6: Invoices, Receipts and Statements in Wasoolo
Class 6 of the Wasoolo course: make a sale invoice, a receipt and a khata statement as a PDF, then customize the paper so it carries your own shop.
Read article updateWhat's newWhat's New in Wasoolo 2.4.0: Invite and Earn
Wasoolo 2.4.0 adds Invite & earn: the shopkeeper you invite gets 1 month Pro free, you earn free Pro months, and in Pakistan 20% cash of his first payment.
Read article MoneyInstallmentsTake an Advance Before You Order It
A special order ties up your cash before it earns anything. How much advance to ask for, how to write the order down, and what to do if he never returns.
Read article CompareShop moneyHire a Helper or Run the Shop Alone?
A helper costs more than his salary and buys more than four hands. Work out the real numbers, the middle options, and how to tell in three months.
Read article ProblemUdhaarWhen Family and Friends Ask You for Udhaar
Udhaar given to a relative is the hardest to ask back. Fix the amount before he asks, write it in the same khata as everyone else, and say the terms out loud.
Read article ProblemShop moneyThe Season When Your Udhaar Doubles
A big season pays your shop last. Count last year before you buy, cap the credit before the rush, collect in the weeks before it, and plan for the week after.
Read article MoneyShop moneyHow Much Your Shop Must Sell Before You Earn
Rent, power, help and your own household are paid before a single rupee is yours. Here is the sum that turns them into a daily sales target you can check.
Read article ProblemStockWhen Stock Goes Missing and Nobody Knows How
The shelf says forty, you count thirty-four, and nobody stole anything. Where small-shop stock really leaks, and the one-shelf count that finds it in a week.
Read article CompareCustomersOne Big Monthly Buyer or Twenty Small Ones?
A canteen wants a monthly account. Twenty regulars pay daily. Compare what each does to your rate, your cash and your risk before you say yes to either.
Read article ProblemUdhaarThe Udhaar That Has Been Sitting for a Year
A balance that has not moved in a year needs a different plan. Sort your old udhaar by age, chase what is alive, settle what is stuck, close the rest.
Read article GuideApp tutorialsClass 5: How to Find Any Customer in Wasoolo
Class 5 of the Wasoolo course: find a customer by name or phone in one second, read every number on his khata page, and know what his profile holds.
Read article updateWhat's newWhat's New in Wasoolo 2.3.2: Qist Price and Profit
Wasoolo 2.3.2 lets you type any installment total and divides it between the items, and every khata now shows what the goods cost and what you made.
Read article ProblemUdhaarWhen a Customer Always Pays Half of His Udhaar
He pays something every visit and the balance still grows. Why part payers happen, the two questions that settle most of them, and when to hold the goods.
Read article MoneyShop moneyTwo Partners, One Shop, One Set of Accounts
Partnerships break on small money, not big money. The four numbers to fix on day one, what to write when a partner takes cash, and the hour that saves it.
Read article ProblemShop moneyWhen Half Your Sales Land in Your Mobile Account
Cash in the box, the rest on your phone, and one count that never matches. How to name every payment, close the day twice, and find the gap fast.
Read article CompareUdhaarCollect Weekly or Wait for Month End?
One cycle keeps your cash moving, the other keeps your evenings free. What each does to a small shop, and how to pick the one your customers can actually pay.
Read article GuideApp tutorialsClass 4: How to Make an Installment Khata in Wasoolo
Class 4 of the Wasoolo course: open an installment khata, set the total, the advance and a one-time profit, and let the app write every qist date for you.
Read article updateWhat's newWhat's New in Wasoolo 2.3.1: Reminders That Ring
Wasoolo 2.3.1 brings My reminders: write yourself a note, pick a day and a time, and your phone rings. Plus a one-screen time picker and a filter.
Read article ProblemCustomersWhen a Customer Disappears With Your Udhaar
He has stopped answering. How to tell avoiding from gone, what the first two weeks must do, and the point where chasing costs more than the money.
Read article MoneyShop moneyHow to Price What You Sell and Still Earn
What an item really cost you, the margin that keeps the shop open, why one percentage for everything is wrong, and how to raise a price safely.
Read article CompareStockBuy Stock in Bulk or Little and Often?
The bulk discount against the cash it locks up, what frequent small orders really cost, and which of your own items belongs in each of the two.
Read article ProblemInstallmentsWhen a Qist Is Missed, What Should You Do?
A missed installment is not a lost plan. Why it was missed, the call that saves it, why part payment beats nothing, and how to restretch the rest.
Read article GuideApp tutorialsClass 2: How to Use Cash & Bank in Wasoolo
Set up Cash & Bank in Wasoolo: add your bank and wallet accounts, record money in and out, transfer between them, and customize the statements you send.
Read article GuideApp tutorialsClass 3: How to Create a New Khata in Wasoolo
Class 3 of the Wasoolo course: open the New khata screen, pick the customer, choose Full payment or Credit, add the items, and save the khata.
Read article CompareUdhaarCash Only or Udhaar: Which Shop Earns More?
Cash keeps your money moving, udhaar keeps your best customers. What each one really gains, the number that settles it, and the middle road good shops run.
Read article MoneyStockThe Stock That Never Sells and Eats Your Cash
Slow goods are not stock, they are your money asleep. A twenty-minute shelf walk, four ways to turn them back into cash, and how to stop buying them.
Read article ProblemShop moneyIf Your Phone Is Gone Tonight, Where Is Your Khata?
A khata that lives in one place is one accident away from memory. The four ways it disappears, the rule of two copies, and the five-minute test.
Read article ProblemCustomersWhen to Ask for a Guarantor, and When Not To
Ask for a guarantor when the amount would hurt to lose, not when the customer looks poor. The three things that decide it, and four lines to write down.
Read article CompareInstallmentsUdhaar or Qist: Which to Offer on a Big Item
An open balance has no end date, and a debt with no end gets paid last. Where the line sits, what each does to your cash, and how to convert an old balance.
Read article ProblemShop moneyKeep Shop Money and House Money Apart
The milk, the rickshaw fare, the Rs 500 from the box. Pay yourself a salary on a date instead, and your shop's profit becomes a number you can trust.
Read article MoneyShop moneyHow to Keep a Helper's Salary and Advance Straight
Salary, advance and loan are three different things. Terms on day one, one attendance mark a day, and a five-minute month end that ends the arguments.
Read article ProblemUdhaarHow Much Udhaar to Give, and Who Should Get It
Decide the number before he asks. A weekly limit for every customer, how to say it out loud without a fight, and the monthly check that keeps udhaar honest.
Read article GuideApp tutorialsClass 1: Add a Customer and Customize the Page
Add a customer in Wasoolo step by step, then reshape the page: switch off boxes you never fill, drag the rest into your order and add your own fields.
Read article ProblemShop moneyWhy Your Cash Box Never Matches Your Khata
Your cash box is short at night because money left it without reaching the khata. Count the box first, list the day's real movements, close in ten minutes.
Read article ProblemUdhaarWhen a Customer Says He Already Paid You
He says he paid, your khata says he did not. Do not argue about memory. Read the record entry by entry, settle the gap fairly, and fix the habit behind it.
Read article CompareShop moneyKhata Register or Mobile App: Which Fits Your Shop
Paper is quick to write and slow to search. A phone khata is the opposite. An honest comparison, what switching really costs, and who should stay on paper.
Read article MoneyStockHow to Buy Stock on Credit Without Choking Cash
Stock bought on credit is money you owe on a date. Write the bill the day it arrives, keep a payment calendar, and learn how much credit your shop can carry.
Read article MoneyShop moneyHow to Work Out Your Shop's Real Profit
The cash in your galla is not profit. Count the buy rate, every kharcha, the udhaar you gave out and the stock on your shelf, and reach one real number.
Read article GuideStockHow to Keep Shop Stock Right Without Counting All Day
Stock control for a small shop: record every purchase the day it lands, set low-stock levels on twenty items, count one shelf a week and know your buy rate.
Read article ProblemCustomersHow to Keep Regular Customers and Still Get Paid
A regular is worth far more than his balance. Notice who has gone quiet, ask for your money in private with a number and a day, and lower the limit.
Read article MoneyInstallmentsHow to Build a Qist Plan That Stays Fair
A qist plan with no interest: fix the cash price, add the one-time markup once, take a down payment, choose one day a month, and never charge for lateness.
Read article ProblemUdhaarHow to Recover Udhaar Without Losing the Customer
Udhaar recovery without a fight: agree the amount in front of the customer, fix a payment date, follow one reminder ladder, and keep the khata clean.
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