Bina tareekh wala qist plan

Woh har mahine ki das tareekh ka wada nahin kar sakta. Theek hai. Tareekh chhor dein, plan nahin. Kul raqam tay karein, qiston ki tadaad tay karein, aur tareekh ki jagah ek raftaar tay karein: takreeban har do hafte, aur do adaigiyon mein ek mahine se zyada faasla nahin. Pehli adaigi bari lein. Phir calendar nahin, faasla ginein.

Bina tareekh ke bhi plan ki ek shakal hoti hai

Aap ke kai behtareen customer sach bolte huay koi tareekh de hi nahin sakte. Mistri ka kaam tab hai jab kaam ho. Sabzi wale ka ek hafta acha jata hai, ek bilkul khali. Dihari wala jaanta hai ke aaj kitna banega, pandrah tareekh ka usay pata nahin.

Is liye woh wohi jumla kehta hai jo aap ne counter par hazar baar suna hai: jab haath mein hoga, le aaunga.

Aksar dukandar do mein se ek kaam karte hain. Ya saaf inkar kar dete hain aur aisa sauda kho dete hain jo poora hona tha. Ya haath hila kar maal de dete hain aur tay kuch bhi nahin karte. Doosri baat zyada buri hai: ab ek bari raqam dukan se bahar hai jiska na koi kul zubani tay hua, na koi ginti, na koi aakhri line.

Sauda bachane wala usool yeh hai. Tareekh na hona kabhi plan na hona nahin ban sakta. Tareekh plan ka sirf ek hissa hai, aur yehi wo akela hissa hai jo woh aap ko de nahin sakta. Uski jagah teen cheezein rakh dein: kul raqam, qiston ki tadaad, aur raftaar. Sab mila kar kitna, kitni adaigiyon mein, aur takreeban kitni kitni der baad. Sirf tareekh naram hai, aur woh jaan boojh kar naram rakhi gayi hai.

Jumeraat ki shaam saarhe saat baje. Nazeer rang saz hai aur pandrah minute se Rs 21,000 wali silai machine ke samne khara hai. Uski biwi phone par pooch rahi hai ke machine li ya nahin.

"Paanch abhi de sakta hoon," woh dukandar se kehta hai. "Uske baad, sach bataun to, tareekhein nahin de sakta. Kabhi kaam hota hai, kabhi bilkul nahin."

Dukandar tareekh par behes nahin karta. Woh doosra sawal karta hai. "Aam hafte mein kitna nikal aata hai? Sab se ache hafte ka nahin, aam hafte ka batayein."

Nazeer sochta hai. "Paanch sau. Kabhi hazar bhi."

Yehi jawab poora plan hai. Dukandar ko raftaar samajh aa gayi, aur baqi hisab bill book ki peeth par ho jata hai.

Pehli adaigi bari lein

Is poore paise mein sirf ek adaigi aisi hai jiska waqt aap ke apne haath mein hai: pehli. Is liye is par bojh aam plan se zyada dalein.

Tareekh wale plan par chauthai hissa down payment aam baat hai. Yahan is se zyada maangein. Teesra hissa achi shuruaat hai, aur mamla kamzor lage to aadhe ke qareeb. Wajah zubani bata dein: tareekhon mein usay azadi mil rahi hai, aur badle mein pehle din zyada paisa aap ke paas. Aksar customer yeh sauda foran maan lete hain.

Doosri wajah usi se juri hai. Jisne apni kamai ke Rs 5,000 machine mein daal diye, woh malik ki tarah chalta hai. Jisne kuch nahin dala, woh abhi tak soch hi raha hai ke usay cheez chahiye bhi ya nahin.

Teesri wajah saada hisab hai. Pehli adaigi aisi rakhein ke baqi raqam poore numbers mein bant jaye. Rs 24,000 ke plan par Rs 5,000 ke baad Rs 19,000 bachte hain: Rs 2,000 ki nau qistein aur ek aakhri Rs 1,000. Poore numbers bhare counter par bhi theek ginay jate hain aur behes shuru nahin karte.

Thora aur baar baar, bara aur kabhi kabhi nahin

Ab qist ka size. Yehi cheez ulti ho jaye to plan mar jata hai.

Jiski kamai oopar neeche hoti hai, woh aksar hafton mein Rs 500 nikal leta hai. Muqarrar din par Rs 4,000 takreeban kabhi nahin. Paisa wohi, arsa wohi, magar ek shakal chalti hai aur doosri baith jati hai. Oopar neeche kamai ka matlab kam kamai nahin. Matlab yeh ke paisa chhote tukron mein aata hai, is liye maangein bhi chhote tukron mein.

Thora aur baar baar customer ko dukan ke andar chalta rakhta hai. Jo har doosre hafte Rs 2,000 le kar aata hai, woh aap ke samne rehta hai. Aur jis par muqarrar din ke Rs 4,000 chare hain, woh ghar jate huay doosri gali pakarna shuru kar deta hai. Customer wohi khota hai jo aana chhor deta hai.

Subah ke das baje, hardware ki dukan. Ashraf safedi ka kaam karta hai aur ek chhoti machine ki qistein de raha hai.

"Ashraf, aaj kitna?"

"Hazar. Itwar ko kaam acha laga tha."

Dukandar likhta hai, chalta hua hisab usay parh kar sunata hai, aur wohi jumla dohrata hai jo har baar kehta hai: "Yeh nau qistein ho gayin. Rs 5,000 baqi, paanch adaigiyan aur. Do hafte baad phir aa jana."

Tees second, koi dabao nahin, aur Ashraf ko pata chal gaya ke woh kahan khara hai.

Ek hadd bhi hai. Itni chhoti qistein ke plan ko tees adaigiyan chahiye hon, woh plan boriyat se mar jata hai. Aath se pandrah qistein aksar cheezon par theek baithti hain.

Qeemat sirf ek baar tay hoti hai

Ab woh baat jis ka aap ka customer chupke chupke fikrmand hai, is liye ise saaf aur pehle keh dein.

Qist plan par ek dafa ka nafa rakha ja sakta hai, jo aap plan banate waqt tay karte hain. Qist wali qeemat cash se zyada hoti hai aur poora bazaar yeh jaanta hai. Aap ka paisa chand minute ki jagah kai mahine bahar khara rehta hai, aur beech ka khatra bhi aap uthate hain. Iska mawza shuru mein ek dafa lena aam qist ka tarika hai, aur imandar tarika hai.

"Ek dafa" ka matlab wohi hai jo sunai deta hai. Cash qeemat dekhein, apni raqam ek baar jorein, aur jo bane wohi qist wali qeemat hai, usi lamhe se jami hui. Plan lamba chalne par woh nahin barhti. Yeh sood nahin hai aur kabhi sood banti bhi nahin, kyunki baad mein kuch nahin jorha jata, kisi bhi wajah se nahin, qist der se aane par bhi nahin.

Yeh baat yahan tareekh wale plan se zyada zaroori hai, kyunki uska pehla dar yehi hai ke khula plan matlab khuli qeemat. Ek jumle mein yeh dar khatam kar dein:

"Nazeer, cash mein yeh machine Rs 21,000 ki hai. Plan par Rs 24,000 banti hai, aur yeh Rs 24,000 abhi pakki ho gayi. Chaar mahine lagayein ya aath, kul raqam hilegi nahin."

Farz karein: Rs 21,000 ki machine, bina tareekh wale plan par

Cash qeemat, agar woh aaj poora de deRs 21,000

Ek dafa ki raqam, sirf plan banate waqtRs 3,000

Plan ka kul, isi lamhe se pakkaRs 24,000

Pehli adaigi, machine ghar jane se pehleRs 5,000

Baqi wasooliRs 19,000

Rs 2,000 ki nau qistein, be-tarteeb aati huiRs 18,000

Gyarahwin aur aakhri qist plan band kar deti haiRs 1,000

Isi raqam ka tareekh wala roopRs 3,800 mahana

Dono soorat mein itna hi, takreeban saat mahine meinRs 24,000

Yeh sirf ek misal hai, kisi asal dukan ka hisab nahin. Rs 3,000 shuru mein ek hi baar juri hai, aur der par kabhi kuch nahin jurta.

Cash qeemat bhi zaroor bata dein. Jo customer yeh qeemat baad mein kisi doosri dukan se sune, woh dhoka mehsoos karta hai chahe uske sath hua kuch bhi na ho. Aur apni ek dafa wali raqam sab ke liye ek jaisi rakhein. Insaf wala qist plan banane ke qadam yahan bhi wohi hain, sirf tareekh dheeli ki gayi hai.

Jab koi tareekh hi nahin to "late" kya hai

Agar tareekh hi nahin to late kya hoga? Yahi sawal aksar dukandaron ko yeh tarika aazmane se rokta hai. Jawab saada hai.

Calendar nahin, faasla ginein. Tareekh wale plan par late ka matlab hai ke ek tareekh guzar gayi. Yahan late ka matlab hai ke aakhri adaigi ko bohat waqt beet gaya. Isi liye raftaar likhi jati hai: takreeban har do hafte, aur do adaigiyon mein ek mahine se zyada faasla nahin. Late ab bhi mojood hai. Bas woh deewar par lagi tareekh se nahin, uski apni pichli adaigi se napa jata hai.

To ek hi number dekhein: usne aakhri baar kuch diye huay kitne din ho gaye. Chaudah se kam, plan sehatmand hai. Ikkis ke qareeb, nazar rakhein. Tees se oopar, plan khamosh ho chuka, aur khamosh plan hi woh raasta hai jis se saaf mamla purane latke huay hisab mein badal jata hai.

Is se ek aur faida hota hai. Aap us customer ki fikar chhor dete hain jo theek chal raha hai. Jis ne chaar din pehle Rs 2,000 diye hain, woh nadehanda nahin hai, calendar chahe kuch bhi kahe.

Jab faasla khul jaye to chhota sa paighaam bhejein, taqaza nahin. Har baar wohi lafz, taake woh shak nahin balke plan ka apna chalna lage:

"Nazeer, takreeban ek mahina ho gaya hai. Machine par Rs 11,000 baqi hain, chhe adaigiyan. Jab bhi kuch ho, le aana."

Koi sawaliya nishan nahin jo safai maange, koi yaad dahani nahin ke wada kya tha. Jise jawab dene se pehle kahani banani pare, woh jawab deta hi nahin. Qist waqt par na mile to kya karein wale usool yahan bhi chalte hain: jaldi baat karein, chhoti baat karein, aur pehla paighaam kabhi ghusse wala na ho.

Wohi plan asal mein kaise aata hai, ek ek faasle ke sath

1. Pehla dinPehli adaigi, machine ghar rawanaRs 5,000Ada
2. 12 dinDoosri qist, window ke andarRs 2,000Ada
3. 29 dinTeesri qist, kaam thora sust rahaRs 2,000Ada
4. 44 dinChauthi qistRs 2,000Ada
5. 78 dinPaanchwin qist, 34 din ke faasle aur ek chhote paighaam ke baadRs 2,000Faasla barh gaya
6. 90 se 175 dinChhati se daswin qist, takreeban har do teen hafte baadRs 10,000Ada
7. 196 dinGyarahwin qist par kul poora, plan zubani bandRs 1,000Baqi

Yeh shakal kab ghalat hai

Yeh acha auzaar hai magar iske kinare tang hain. Teen soorton mein ise mana kar dein ya badal dein.

Cheez bari ho. Raqam jitni bari, tareekhein utni hi zaroori. Rs 24,000 ki machine khule plan par woh khatra hai jo aap jhel lenge. Rs 120,000 ka motorcycle nahin, aur koi raftaar wala jumla ise jhelne laiq nahin banata. Yeh faisla bari cheez udhaar par ya qist par mein khol kar likha hai.

Customer naya ho. Aap uske kirdar par shak nahin kar rahe, sirf yeh maan rahe hain ke uska koi purana record aap ke paas nahin. Pehli baar khareedne wale ko tareekh wala plan dein. Ek plan poora kar le, phir khuli shakal samne rakhein.

Kamai bhi oopar neeche ho aur aap ki nazar se bahar bhi. Yeh do alag baatein hain aur mil kar hi khatarnak banti hain. Aap ki gali ka sabzi wala oopar neeche kamata hai magar sab kuch aap ki aankhon ke samne hai: uska thela, uske waqt, uska season. Jo kehta hai ke "bahar kaam" karta hoon aur woh jagah aap tasawwur bhi nahin kar sakte, wahin yeh tarika toot jata hai.

Kuch mamlon mein zamin sab badal deta hai. Bari cheez wale mamle mein nahin, magar naye customer aur anjaan kaam wale mein aksar haan. Zamin maal jane se pehle maangein, baad mein hargiz nahin, aur kul raqam aur raftaar woh aap ke apne mun se sune. Usool zamin kab lena chahiye mein likhe hain.

Chalne wala khula plan, aur na chalne wala

✓Yeh karein

• Maal jane se pehle kul raqam, qiston ki tadaad aur window likh lein.
• Uski aakhri adaigi ko kitne din huay, yeh ginein, mahine ki tareekh nahin.
• Sab ko wohi chhota paighaam bhejein, unhi lafzon mein.
• Plan mukammal hone par zubani bata dein, aur sifar wala record dikhayein.

✕Yeh nahin

• Sirf "jab hoga le aaunga" par bari cheez hargiz na dein.
• Naye customer ko, ya Rs 120,000 ki cheez par, yeh shakal na dein.
• Der lagne par baad mein kuch na jorein. Kul raqam pehle din pakki ho chuki.
• Khamosh plan ko teen mahine tak chhor kar khud bhi khamosh na rahein.

Kya cheez uske sath ghar jani chahiye? Aksar haan. Store mein pari machine kisi ka kuch nahin banati, aur jo banda usay chala raha hai wohi paisa kama raha hai jo aap ko milega. Maal sirf tab rokein jab pehli adaigi bohat halki ho, jab cheez cash mein foran bik jane wali ho, ya jab zamin ne abhi tak aap se baat hi nahin ki.

Plan ka khatma zubani karein

Har plan ka ek anjaam hona chahiye, aur is plan ka anjaam baqi sab se zyada dhyan se likha jata hai.

Anjaam pehle din likh dein. Tareekh nahin, ek shart: kul gyarah adaigiyan, ya poore Rs 24,000, jo pehle mukammal ho jaye. Yeh line na ho to plan bas chalta rehta hai, aur saal bhar baad purana hisab ban jata hai jise maan-ne wala koi yaad nahin karta.

Phir ise theek se band karein. Aakhri adaigi aate hi uske samne keh dein. "Nazeer, yeh aakhri thi. Machine aap ki, kuch baqi nahin." Usay woh record dikhayein jis par sifar likha ho, aur apni copy usi minute band karein. Khamoshi mein khatam hone wala plan hi customer ko chhe mahine baad wapas laata hai yeh poochne ke liye ke koi raqam baqi to nahin.

Yahin likha hua record yaddasht se jeet jata hai, kyunki yaad dilane ke liye koi tareekh hai hi nahin. Wasoolo ka qist khata kul raqam, adaigiyon ki tadaad aur us par aane wali har adaigi apne paas rakhta hai, is liye bina tareekh wale plan par bhi asli baqi raqam aur bachi hui qiston ki ginti saaf nazar aati hai. Shuru mein jorhi gayi ek dafa wali raqam apni alag entry ban kar chipak jati hai, is liye baqaya number sacha number hota hai.

Baqi kaam sirf dekh sakna hai. Yeh bhi dikhta hai ke plan par aakhri paisa kab aaya tha, aur is plan par yehi ek number ahmiyat rakhta hai. Overdue sirf ek status badge hai aur bas: woh plan par nishan lagata hai, kuch wasool nahin karta, kyunki der par kabhi kuch nahin jurta. Wasoolo ek dukan ke liye 100% free to download hai; features page par qist wala hissa khula hua hai, aur app download page se mil jati hai.

Aam sawal

Tareekh nahin hai to plan saalon tak chalne se kya rokega?

Kul raqam aur adaigiyon ki ginti, dono pehle din likhi hui. Ek line dal dein ke plan gyarah adaigiyon par ya Rs 24,000 par khatam, jo pehle ho jaye. Jis plan ki na tareekh ho na anjaam, woh sirf ek umeed hai.

Qist par jo zyada raqam hai, kya woh sood hai?

Nahin. Ek dafa wali raqam ek qeemat hai, jo plan se pehle ek baar tay hoti hai aur phir hilti nahin, woh chahe jitna waqt laga le. Sood waqt ke sath barhta hai aur der par aur barhta hai. Yahan der par upar se kuch nahin jorha jata.

Bina tareekh ke pata kaise chale ke customer khamosh ho gaya hai?

Uski aakhri adaigi ko kitne din huay, yehi ginein. Chaudah din se kam ho to plan theek hai, tees se oopar ho to woh khamosh ho gaya. Jo raftaar aap ne tay ki thi uske kinare par chhota paighaam bhej dein, har baar unhi lafzon mein.

Kya pehli adaigi aam plan se bari maangni chahiye?

Haan. Yehi ek adaigi hai jiska waqt aap ke haath mein hai. Qeemat ka teesra hissa achi shuruaat hai, aur shak ho to aadhe ke qareeb. Wajah bhi bata dein: tareekhon ki azadi uski, pehle din ka zyada paisa aap ka.

Tay Rs 2,000 ki jagah woh Rs 500 de de to?

Le lein, likh lein, aur nayi baqi raqam usay parh kar suna dein. Paisa aata rehna sehatmand plan ki nishani hai. Masla tab hai jab har adaigi chhoti hoti chali jaye, aur uska imandar hal yeh ke qist ka size kam aur ginti zyada kar di jaye.

Kya purane latke huay hisab ko is shakal mein dala ja sakta hai?

Haan, aur yeh iska behtareen istemal hai. Dono ke samne kul raqam tay karein, adaigiyon ki ginti aur raftaar tay karein, aur pehli adaigi ko plan ka pehla din maan lein. Ginti aur raftaar lagne ke baad wohi purani raqam kahin behtar wapas aati hai.