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.
63 articles English & Roman Urdu Free to read, always
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Step-by-step guides9Udhaar
Write it safely, and get the old balance back.
12 articlesInstallments
Installment plans that stay fair, with no interest.
5 articlesStock
Know what is on the shelf without counting all day.
10 articlesCustomers
Keep the people who keep your shop running.
6 articlesShop money
Expenses, cash and the profit you actually made.
19 articlesApp tutorials
Step-by-step walk-throughs of the Wasoolo app.
8 articlesWhat's new
3 articlesAll articles
63 articles
The 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 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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