Cash par bechein ya udhaar par, kya behtar hai

Dono mein se koi hamesha jeetta nahin. Sirf cash aap ka paisa chalta rakhta hai aur shaamein sukoon mein, magar sab se bara khareedar hath se nikal jata hai. Udhaar wafadari aur bara sauda deta hai, magar paisa dukan se bahar khara kar deta hai. Faisla ek number karta hai: aap kitna bahar rakh sakte hain.

Sacha jawab is par hai ke aap bechte kya hain

Chai ka khoka aur kapre ki dukan ek hi behas mein nahin hain, chahe dono ek hi gali mein khare hon.

Agar aap ka aam sauda chhota hai aur log taqreeban rozana aate hain, to cash customer ke liye bhi asaan hai aur likhne ki koi khas wajah bhi nahin. Rs 60 ki chai ke paise maangna kisi ka imtihan nahin lena.

Lekin agar aam sauda bara hai aur ghair mustaqil hai, to masle ki shakl hi badal jati hai. Kapre ki dukan, hardware, electronics ka counter, ya aisa karyana jo poore ghar ka mahine bhar ka saman deta hai. Yahan customer ke pas paisa mahine mein ek dafa aata hai aur saman poora mahina chahiye hota hai. Yahan udhaar se inkar customer ko cash dene par majboor nahin karta, balke us dukan par bhej deta hai jo inkar nahin karti.

To sab se pehle apni dukan ki shakl dekhein. Chhota aur rozana sauda cash ki taraf jhukta hai. Bara aur mahine wala sauda udhaar ki taraf. Zyada tar dukanein in dono ke darmiyan kahin hoti hain aur unhein waise hi chalna chahiye, aur is mazmoon ka bara hissa isi par hai.

Sirf cash wali dukan ko waqai kya milta hai

Is ke faide asli hain, aur aksar woh log inhein kam kar ke batate hain jinhone kabhi aisi dukan chalayi hi nahin.

Paisa hamesha hath mein rehta hai. Jo aaj becha, us se kal maal khareeda ja sakta hai. Bechne aur us ka paisa apne pas hone ke darmiyan koi khala nahin, yani acha hafta foran bara shelf ban jata hai, copy mein bara number nahin.

Kisi ke peeche nahin bhagna parta. Na phone, na yaad dahani, na itwaar ko kisi ke ghar ke bahar khara hona, na is baat par behas ke March mein us ne kya diya tha. Bohat se dukandaron ke liye yeh akela faida nafe ke ek hisse ke barabar hai, kyunki paise ke peeche bhagna wohi kaam hai jo ghar tak sath jata hai.

Kuch kharab nahin hota. Cash ka sauda chhe mahine baad ghata nahin ban sakta. Jo kamaya, woh rakha.

Hisab kitab taqreeban khatam. Na aage le jane wale balance, na tay karne wale jhagre, na adaigi par woh behas jo dono mein se koi sabit nahin kar sakta.

Shaamein apni ho jati hain. Jo dukandar cash par aaye, woh sab se pehle paise ka nahin, is baat ka zikr karte hain ke naamon ki list ab un ke sath ghar nahin jati.

Kharcha ek jumle ka hai aur bhari hai: gali ke sab se bare customer us ke pas chale jayenge jo udhaar deta hai. Chhote nahin, balke bare mahine wale ghar aur woh chhote karobar jo saman lete hain, yani wohi log jin par dukan barhti hai.

Udhaar aap ko asal mein kya khareed kar deta hai

Udhaar na sakhawat hai na kamzori. Yeh ek karobari faisla hai jis ka nateeja hota hai, aur woh nateeja naapa ja sakta hai.

Bara sauda. Log tab zyada khareedte hain jab har cheez ke liye note ginne na parein. Isi liye duniya ke har karobar mein udhaar mojood hai, un mein bhi jahan raqmein bohat bari hoti hain.

Aisa customer jo asani se ja nahin sakta. Jis ka balance aap ke pas chal raha hai woh aap hi ke pas wapas aata hai. Samne wali dukan ek rupya sasti ho sakti hai, magar taluq yahan hai, aur chalta hua khata hi rahgir ko mustaqil customer banata hai.

Woh sauda jo warna hota hi nahin. Jis ki tankhwah pehli tareekh ko aati hai, woh atthais tareekh ko aata baghair nahin rahega. Woh kahin na kahin se lega. Udhaar tay karta hai ke woh kahin aap hain ya koi aur.

Qeemat ki azadi. Jo dukan udhaar deti hai woh khidmat aur bharose par muqabla karti hai, sirf sasta hone par nahin. Yeh kahin behtar jagah hai, kyunki sasta koi na koi hamesha hota hai.

Kharcha, phir ek jumle mein: aap ka kuch paisa ab dukan se bahar rehta hai, kuch der se wapas aata hai, aur thora sa hissa kabhi wapas nahin aata.

Woh number jo aap ki dukan ka faisla karta hai

Upar ki har baat raye hai. Yeh hissa hisab hai, aur faisla chahe jo ho, hisab wohi rehta hai.

Farz karein: wohi dukan, ek mahina dono tareeqon se

Sirf cash wale mahine ki bikriRs 240,000

Udhaar wale mahine ki bikriRs 310,000

Bare saude se barha hua nafaRs 10,500

Diye hue udhaar mein se jo kharab huaRs 4,000

Mahine ke akhir mein dukan se bahar kharaRs 62,000

Yani udhaar ne is dukan ko diyaRs 6,500 zyada

Yeh misal ke number hain, koi survey nahin. Apne do mahine dalein: bikri, jo kharab hua, aur jo abhi bahar khara hai.

Sawal yeh nahin ke udhaar zyada kamata hai ya nahin. Kaghaz par aksar zyada hi kamata hai, kyunki sauda bara hota hai. Sawal yeh hai ke barha hua nafa us se zyada hai ya nahin jo kharab hota hai, aur yeh ke jis arse mein paisa bahar hai us mein aap ki dukan chal sakti hai ya nahin.

Do dukanein wohi number dekh kar theek tor par ulta faisla kar sakti hain. Jis dukan ke peeche paisa khara hai woh Rs 80,000 bahar rakh kar sukoon se so sakti hai. Jo dukan jumay ki adaigi jumeraat ki bikri se karti hai, woh Rs 20,000 bhi bahar nahin rakh sakti, kyunki ek bura mahina usay band kara dega. In mein na koi zyada bahadur hai na zyada bewaqoof.

Isi gali ki do dukanein dekhein. Nadeem kapra bechta hai, gyarah gharon mein us ke taqreeban Rs 90,000 khare hain, aur us ka apna supplier usay tees din deta hai. Khala poori ho jati hai aur us ki neend theek rehti hai. Chaar dukan aage Faisal sabzi bechta hai, har subah pichli raat ke cash se taza maal leta hai, aur garmiyon se jama hote hote jo Rs 14,000 bahar chale gaye hain, wohi wajah hai ke ab woh har subah March se kam maal khareedta hai. Ek hi gali, ek hi saal, aur in mein se sirf ek dukan udhaar utha sakti hai.

To kuch bhi tay karne se pehle apni line nikalein: woh raqam jo aaj dukan se bahar khari ho aur phir bhi har supplier ka hisab waqt par ho jaye. Yehi number, na ke udhaar ke bare mein aap ki raye, tay karta hai ke aap ki dukan kitna udhaar de sakti hai.

Woh darmiyani raasta jis par achi dukanein chalti hain

Jo log yeh kaam achi tarah karte hain un mein se taqreeban koi bhi kisi kinare par nahin hota. Woh aisay usool chalate hain.

Kya cash rehta hai, aur kya khate par ja sakta hai

Aam tor par cashUdhaar, muqarrar list ke liye

Rozana ki chhoti cheezeinAam tor par cashSab ke liye, udhaar wali list sametUdhaar, muqarrar list ke liyeSirf tab jab woh poore mahine ka hisab karta ho

Bari ya mahine wali khareedariAam tor par cashHar naya, aur har woh jis ka maamla saaf nahinUdhaar, muqarrar list ke liyeMuqarrar list, raqam aur tareekh ke sath

Aisa chehra jo pehle nahin dekhaAam tor par cashAaj cash, har dafa, koi istisna nahinUdhaar, muqarrar list ke liyeJab woh do dafa chhota balance saaf kar chuke

Shaam chhe baje, chaar log intezar meinAam tor par cashWohi jawab jo aaj subah tay ho chuka thaUdhaar, muqarrar list ke liyeIs waqt koi naya faisla nahin hota

Sab ke liye cash, aur udhaar ek muqarrar list ke liye. Us ke liye nahin jo us din maang le, balke un logon ke liye jo pehle se tay hain. List chhoti hoti hai aur us par mojood har shakhs ko pata hota hai ke woh us par hai.

Rozana ki chhoti cheezein list wale customer ke liye bhi cash rehti hain, illa yeh ke woh waise hi mahine ka hisab kar raha ho. Sirf yeh ek baat dukan ka bara hissa cash par chala deti hai aur ahem taluqat apna udhaar rakhe rehte hain.

Har udhaar wale customer ki raqam aur tareekh dono zubani batayi jati hain aur dono likhi jati hain. Jis balance ki koi tareekh nahin, woh udhaar nahin, sirf umeed hai.

Naye chehre cash se ya bohat chhoti raqam se shuru karte hain, aur do dafa saaf kar ke apni jagah banate hain. Yeh ek usool un mein se zyada tar nuqsanat rok deta hai jinhein dukandar bad qismati kehte hain.

Aur total wahin dekha jata hai jahan baqi sab dekha jata hai. Dukan se bahar kitna khara hai, yeh number aap ko utna hi maloom hona chahiye jitna aaj ki bikri, kyunki yeh har roz badalta hai, chahe aap dekhein ya na dekhein.

In paanch usoolon mein kisi ko kuch mana nahin kiya gaya. Yeh sirf faisla shaam chhe baje bheer mein karne ke bajaye sukoon wali subah mein kar dete hain, aur baad mein kharab hone wala taqreeban har balance usi shaam wale waqt mein tay hua tha.

Zyada udhaar wali dukan ko cash par kaise laayein

Agar dukan pehle hi udhaar mein doobi hui hai aur aap use nikalna chahte hain, to elan bilkul na karein. Achanak naya qanoon un sab ki tauheen lagta hai jo wafadar rahe, aur dukan kisi bhi muqabil se zyada tezi se khali ho jati hai.

Zyada udhaar se nikalna, dukan khali kiye baghair

1. 1Koi elan na kareinShutter par notice wafadaron ki tauheen hai aur baqi ko door kar deta hai.
2. 2Har mojooda balance par tareekh daleinTaqaza nahin. Har customer se ek sukoon wala jumla, ke yeh kab saaf hoga.
3. 3Naye naam lena band kar deinWoh qadam jis ka aaj koi kharcha nahin aur kaam sab se zyada karta hai.
4. 4Pehle rozana ki chhoti cheezein cash par layeinChai aur sabun par koi behas nahin karta. Bari khareedari filhal udhaar par rahegi.
5. 5Counter par thora cash aur thora udhaar pesh kareinKoi khali hath nahin jata, aur balance barhna bhi ruk jata hai.
6. 6Har mahine total dekhein, jab tak woh manzil par na aa jayeDo teen mahine yeh karne se dukan bohat aage nikal jati hai, aur khamoshi se.

Us box wali tarteeb se chalein, do teen mahine mein, aur taqreeban har customer bacha rehta hai. Shutter par notice laga kar sab kuch ek din mein badlein, to sirf notice bachta hai.

Sab se kaam ka qadam teesra hai: naye naam shamil karna band kar dein. Aaj is ka koi kharcha nahin, kisi ko pata bhi nahin chalta, aur dher barhna ruk jata hai jab ke purane balance kam hote rehte hain. Zyada tar dukanein purane customers ke bojh se nahin dabi hotin, balke is se dabi hoti hain ke saal bhar mein chaudah naye logon ko haan keh diya gaya, bina kabhi faisla kiye.

Jab tak purane balance kam ho rahe hain, wasooli ki baat cheet sukoon se aur aam andaz mein rakhein. Jo kuch purana balance lete waqt kaam aata hai, woh us waqt zyada acha kaam karta hai jab customer ko usoolon ki alaniya tabdeeli se sharminda na kiya gaya ho.

Agar aap ne kabhi udhaar nahin diya aur ab dena hai

Yeh ulta faisla logon ke maan ne se zyada aam hai, aur aksar is liye hota hai ke qareeb mein koi bari dukan khuli hai jo udhaar de rahi hai.

Un customers se shuru karein jinhein sab se lambe arse se jante hain, aur itna chhota shuru karein ke sakhawat se kam lage. Rs 2,000, jo har mahine saaf ho, ghar wale ke liye sanjeeda pesh kash hai aur aap ke liye qabil e bardasht nuqsan.

Pehle din se likhein. Us waqt nahin jab raqam fikr dene lage, balke pehle Rs 200 se. Jo record der se shuru hota hai woh pehle se mutanaza hota hai, aur saalon rehne wala customer wohi hota hai jis ka safha shuru se theek chala aa raha hai.

Hisab ka ek din muqarrar karein aur sab ke liye wohi rakhein. Mahine ka pehla hafta, jab tankhwahein aa chuki hoti hain, us tareekh se asaan hai jo har shakhs ke sath alag tay ho aur phir yaad bhi rakhni pare.

Aur poora hisab ek hi jagah rakhein, na ke zehen plus parchi plus phone ka note. Wasoolo muft download hoti hai aur har balance ke sath woh total bhi dikhati hai jo bahar khara hai, yani wohi number jis par upar wale hisse ke mutabiq aap ka faisla khara hai.

Aakhri baat yeh hai ke yeh akhlaqi sawal nahin, halanke dukandar aksar isay aisa hi samajh kar behas karte hain. Udhaar dena aap ko naram nahin banata aur inkar aap ko sakht nahin banata. Yeh sirf yeh faisla hai ke aap ka paisa kahan khara rahega, jo aap ki dukan ki taqat se hota hai aur har chand mahine baad phir se dekha jata hai.

Aam sawalat

Kya sirf cash wali dukan zyada kamati hai?

Fi sauda aksar haan, kyunki na kuch kharab hota hai na der se aata hai. Kul mila kar aksar nahin, kyunki zyada tar galiyon ke sab se bare customer kahin na kahin udhaar par khareedte hain. Kaunsa asar jeette ga, yeh poori tarah is par hai ke aap bechte kya hain. Chhoti rozana cheezon mein inkar ka nuqsan bohat kam hai, bari mahine wali khareedari mein bohat zyada.

Meri kitni bikri udhaar par honi chahiye?

Sab ke liye koi ek sahi hissa nahin, magar ek hadd zaroor hai jo aap ki apni hai: woh raqam jo dukan se bahar khari ho aur phir bhi har supplier ka hisab waqt par ho jaye. Pehle woh number nikalein. Bikri ka jo bhi hissa aap ko us hadd ke andar rakhe, wohi aap ki dukan ke liye sahi hissa hai, aur dukan barhne ke sath yeh badalta rahega.

Kya udhaar wale customer se thora zyada liya ja sakta hai?

Bohat si dukanein chupke se aisa karti hain, aur imandarana shakl yeh hai ke ek hi qeemat shuru mein tay ho, baad mein der ki wajah se kuch barhaya na jaye. Der hone par kabhi kuch bhi upar na lagayein. Jo cheez der se juri ho woh paise ke masle ko larai bana deti hai aur wohi taluq torti hai jis ke liye udhaar diya gaya tha.

Yahan sab udhaar dete hain is liye customer bhi umeed rakhte hain. Kya main mana kar sakta hoon?

Kar sakte hain, magar elan kar ke nahin balke daira tang kar ke. Udhaar ek muqarrar list ke liye rakhein, naye naam lena band kar dein, aur dher ko chand mahinon mein khamoshi se kam hone dein. Shutter par notice ya achanak taqreer wafadar customer ko mulzim bana deti hai aur unhein usi dukan par bhej deti hai jis ne taqreer nahin ki.

Yeh kaise tay karun ke kis ko udhaar milega aur kis ko nahin?

Teen baatein, isi tarteeb mein: aap usay kitne arse se jante hain, khamosh ho jane ki soorat mein woh kitni asani se milta hai, aur aap ka kitna paisa bahar khara hoga. Jis ki jagah e kaam aap naam le kar bata sakte hain, woh us se mehfooz hai jis ki amdani zyada hai magar thikana pakka nahin. Sab ko chhoti raqam se shuru karein aur do dafa balance saaf karne par barhayein.

Kya bohat chhoti dukan ke liye udhaar dena faida mand hai?

Thori miqdar mein haan, un chand logon ke liye jinhein aap waqai jante hain, kyunki chhoti dukan inhi taluqat par barhti hai. Jo faida mand nahin woh yeh hai ke udhaar sirf is liye diya jaye ke mana karna ajeeb lag raha tha. Agar kisi balance ka size aap ko supplier ka hisab dene se rok de, to woh balance aap ki dukan ke liye bara hai, chahe aap us shakhs ko kitna hi achi tarah jante hon.