Chalte hue qist plan mein nayi cheez aa jaye to

Doosra plan alag banayein. Pehle wale ko na barhayein. Is tarah har cheez ka apna total, apne mahine aur apni aakhri tareekh rehti hai, aur customer ko apna fridge wala plan khatam hota nazar aata rehta hai. Dono ko mila dene se khatma chhup jata hai aur zamin ka maana hua sauda khamoshi se badal jata hai.

"Bhai, isi plan mein daal dein"

Ashfaq Rasool jumeraat ki shaam saarhe aath baje aata hai, jab aap shutter aadha gira chuke hote hain. Us ke fridge wale qist plan ke paanch mahine guzar chuke hain, barah mahine ka plan aap ne khud likha tha: total Rs 72,000, usi din Rs 18,000 advance, phir Rs 4,500 ki barah qistein. Har qist us ne usi tareekh par di jo us ne khud batayi thi.

Ab us ki biwi ko washing machine chahiye. Woh upar wale khane mein rakhi machine ki taraf ishara karta hai aur wohi jumla kehta hai jo har dukandar ko kabhi na kabhi sunna parta hai.

"Bhai, isi plan mein daal dein."

Woh burai se nahin keh raha, aur baat kaghaz ke chhote se kaam jaisi lagti hai. Hai nahin. Woh keh raha hai ke aadhe bhare hue plan ka khatma phaar dein aur us ki jagah bara plan rakh dein jo aisay mahine tak jata hai jo kisi ne bola hi nahin. Bina soche haan keh dein to saal bhar tak is ki qeemat mehsoos nahin hogi.

Do plan, ek bara plan nahin.

Milane se kya kya chhup jata hai

Upar se milana saaf lagta hai. Ek customer, ek raqam, mahine mein ek tareekh. Andar se ek sath teen cheezein tootti hain.

Ek mila hua plan aur sath sath chalte do plan

Sab ek plan mein mila diyaDo plan, sath sath

Aakhri tareekhSab ek plan mein mila diyaAisay mahine tak chali gayi jo kisi ne bola hi nahinDo plan, sath sathHar cheez apni likhi hui tareekh par khatam

Agar woh dena band kar deSab ek plan mein mila diyaAap bata hi nahin sakte kaun si cheez ki adaigi baqi haiDo plan, sath sathEk plan saaf hai, doosra hi masla hai

Zamin ne kis cheez par haan kaha thaSab ek plan mein mila diyaChhote total par, kisi aur cheez parDo plan, sath sathHar plan ke sath wohi zamin jis ne us par haan kaha

Kaun si cheez wapas li ja sakti haiSab ek plan mein mila diyaKoi bhi nahin, saaf tareeqe seDo plan, sath sathWohi jis ka plan us ne bharna chhora

Counter par samjhanaSab ek plan mein mila diyaHar baar bol bol kar dobara jorna parta haiDo plan, sath sathDo chhote jawab, do balance

Nauwein mahine woh kya mehsoos karta haiSab ek plan mein mila diyaKe yeh kabhi khatam hi nahin hogaDo plan, sath sathKe fridge taqreeban us ka ho chuka hai

Sab se pehle khatma jata hai. Ashfaq ungliyon par gin sakta hai: saat qistein aur, phir fridge us ka. Washing machine usi plan mein daal dein to khatma aisi tareekh ban jata hai jo us ki nazar mein aati hi nahin. Jis customer ko plan ka anjaam nazar na aaye woh usay aisay bill ki tarah samajhne lagta hai jo kabhi khatam nahin hota, aur aisay bill log bure tareeqe se bharte hain.

Doosra, aap yeh kehne ki taqat kho dete hain ke kaun si cheez ki adaigi mukammal ho chuki. Chaudah mahine baad Ashfaq dena band karta hai aur itminan se kehta hai ke fridge to kab ka poora ho gaya tha, sirf washing machine baqi hai. Aap ke paas ek chalta hua total hai. Aap ghalat sabit nahin kar sakte aur na woh, yani oonchi awaz jeet jayegi.

Teesra, cheez khud aap ka sahara nahin rehti. Do alag plan hon to jis washing machine ka plan nahin bhara ja raha, us ki wapsi par baat ho sakti hai. Ek mile hue total mein koi cheez kisi muqarrar baqi raqam se judi hi nahin hoti, is liye koi bhi cheez wapas lena aisa qadam hai jo aap kisi ko samjha nahin sakte.

Kya woh dono ka bojh utha sakta hai

Plan ki shakal ka sawal baad mein aata hai. Pehle yeh dekhein ke aadmi bhar bhi sakta hai ya nahin. Dukandar yehi qadam chhorte hain, kyunke samne khara customer apne chalte hue plan par bemisal record rakhta hai.

Bemisal record sirf yeh sabit karta hai ke woh Rs 4,500 mahana utha sakta hai. Rs 8,300 ke bare mein woh kuch bhi sabit nahin karta.

Is liye counter par teen baatein bol kar poochein. Aap mujhe pehle hi har mahine kitna dete hain. Aur kahin kitna de rahe hain. Aur aap ka paisa kis din aata hai aur kitna aata hai.

Farz karein us ka paisa mahine ki paanch tareekh ko aata hai

Us ke ghar mein mahine mein ek baar kitna aata haiRs 38,000

Fridge par jo woh pehle hi aap ko de raha haiRs 4,500

Mobile ki dukan ko phone ke jo de raha haiRs 2,200

Washing machine ka plan aur kitna barha degaRs 3,800

Khane, kiraye aur safar se pehle plans mein chala jane walaRs 10,500

Ashfaq Rs 38,000 kamata hai aur woh paanch tareekh ko aata hai. Aap ko Rs 4,500 deta hai aur mobile ki dukan ko qiston par liye phone ke Rs 2,200. Ab Rs 3,800 washing machine ke jorein to Rs 38,000 mein se Rs 10,500 aata ka ek thela kharidne se pehle hi bandha ja chuka hai.

Faisla "abhi nahin" hai. Is liye nahin ke Ashfaq par bharosa nahin, balke is liye ke yehi bharose wala aadmi us mahine teen adaigiyon mein se chunega jab us ka bacha bimar hoga, aur yeh maan lena ghalat hai ke woh aap ko chunega. Yeh wohi hisab hai jo udhaar kitna dena chahiye ka faisla karta hai, bas bari raqam par.

Yeh jorh us ke samne kaghaz par karein. Itni si baat aap ke inkar ko us jagah le aati hai jahan aap dono ek hi safhe ko dekh rahe hote hain.

Doosre plan ke usool

Agar number bethte hain to doosra plan poora plan hai, shuru se banaya hua, kisi chalti hui cheez mein jori gayi ek line nahin.

Doosra plan poora plan hota hai, shuru se banaya hua

1. 1Apna advance, ek hi raqam mein, usi dinPehle plan ki mahana raqam kaat kar kabhi na banayein.
2. 2Apna aik baar ka munafa, banate waqt tayEk baar tay, isi cheez aur isi muddat ke liye. Baad mein kisi wajah se kuch nahin barhta.
3. 3Apni muddat, aisay mahine par khatam jo woh khud bata sakeNau mahine jo us ki nazar mein aayein, pandra se behtar hain.
4. 4Apna zamin, jis ne khud aap ko haan kaha hoJo shakhs fridge ke peeche khara tha woh is ke peeche nahin khara.
5. 5Aap ki kitab mein apna alag safhaDo tarteebein, do balance, do aakhri tareekhein, ek customer.

Us ka apna advance lein, ek hi raqam mein, usi din. Pehle plan ki mahana qist kam kar ke us advance ka bandobast kabhi na karein, yehi woh khamosh ghalti hai jo dukanein yahan karti hain. Jo customer doosri cheez ke liye advance ikattha nahin kar sakta woh aap ko muft mein bari baat bata raha hai, aur yeh wohi imtihan hai jo bari cheez par advance lene mein samjhaya gaya hai.

Us ki apni qeemat plan banate waqt tay karein. Qist wali cheez par jo munafa aap rakhte hain woh ek baar ka hota hai, usi cheez ke khatre aur usi muddat se juda. Baad mein kisi susti bhare mahine par us mein kuch nahin barhta. Der se aane wali qist kitab mein sirf ek nishan hai jo yaad dilata hai ke ja kar poochna hai, woh koi charge nahin.

Us ki apni muddat aisi rakhein jo us ki nazar mein aa jaye. Washing machine par nau mahine, jin ka aakhri mahina woh kaghaz dekhe bagair bata sake, un pandra mahinon se behtar hain jo dhundh mein kahin khatam hote hain.

Aur us ka apna safha rakhein. Ek customer ke neeche do plan, har ek ki apni tarteeb aur apna balance, yehi asal baat hai. Jo kuch aap pehle plan mein likhte, wohi is mein bhi jata hai, jaise munsifana qist plan banane mein likha hai.

Zamin ne fridge par haan kaha tha

Ashfaq ka bara bhai Waseem us mangal ki subah aap ke counter par khara tha jis din fridge ka plan likha gaya, aur us ne Rs 72,000 ke peeche khare hone par haan kahi thi. Us ne poocha tha fridge kitne ka hai. Us ne poocha tha kitne mahine hain. Phir us ne haan kahi.

Us ne do cheezon ke Rs 117,600 par haan nahin kahi thi. Kisi ne us se poocha hi nahin.

Yehi cheez milane ko sirf buri tajweez se aage le jati hai. Yeh kisi doosre ke waday mein tabdeeli hai, jo us ki ghair maujoodgi mein ki ja rahi hai. Ashfaq dena band kar de aur aap Waseem ke paas aisay total ke sath jayein jis mein woh washing machine bhi shamil ho jis ka us ne naam bhi nahin suna, to woh inkar karega, aur theek karega. Jis zamanat ko aap ne khamoshi se bara kar diya, woh aap ne khatam kar di.

Is liye doosre plan ka apna zamin hoga, aur haan seedha aap ko kahi jayegi. Khareedar ke zariye pohanchai gayi haan nahin. Aisi phone call bhi nahin jis mein Ashfaq jumle ke beech phone apne bhai ko thama de. Waseem khud aaye, cheez sune, total aur mahinon ki tadaad sune, aur usi par haan kahe.

Yeh bhi ho sakta hai ke woh fridge par haan kahe aur washing machine par nahin, aur apne bhai ko janne wale aadmi ki taraf se yeh mounasib jawab hai. Kis cheez ke peeche kaun khara ho aur zamin maanga hi kab jaye, yeh zamin kab lena chahiye mein tay hai.

Jawab "nahin" ho ya "abhi nahin"

Khali inkar bikri le doobta hai aur kabhi customer bhi. "Abhi nahin, aur main yeh kar sakta hoon" dono bacha leta hai, is liye do teen saaf raste pehle se tayyar rakhein.

Pehla plan khatam hone ke qareeb aane ka intezar karein. Ashfaq ko saaf kahein: fridge ki do qistein baqi rehjayein to aa jana, usi din washing machine likh denge. Woh mahina note kar lein aur khud usay yaad dilayein. Yeh inkar nahin, waqt dena hai, aur jis customer ko tareekh mil jaye woh wohi cheez lene doosri dukan kam hi jata hai.

Ya bohat bara advance maang lein. Usay abhi chahiye to abhi ki qeemat Rs 11,400 ke bajaye Rs 20,000 hai, jis se mahana raqam itni neeche aa jati hai ke fridge ke sath bethne lagti hai. Faisla us ka hai, aur bohat se customer paisa nikal lete hain jab chunao un ka apna ho.

Ya doosri cheez ko aisay chhote bandobast par bech dein jo qist plan hai hi nahin. Aadha aaj, baqi chhe hafton mein do adaigiyon mein, aur kaam fridge wale plan se pehle poora. Chhoti cheez par yehi sab se saaf jawab hota hai, aur in do shakalon mein se chunna wohi sawal hai jo bari cheez udhaar ya qist mein zer e behes hai.

Jo aap ko hargiz nahin karna woh yeh hai ke fikr mand chehre ke sath haan keh dein aur phir chaudah mahine us ke peeche phirte rahein. Qist chhootne wali ho to us ka thanda tareeqa qist waqt par na mile to mein rakha hai.

Milana kab waqai theek hai

Ek tang si soorat hai jise pehchanna zaroori hai.

Pehla plan taqreeban khatam hai. Ek ya do qistein baqi hain, raqam chhoti hai, aur customer waqai do tareekhon aur do raqamon ke bajaye ek tareekh aur ek raqam chahta hai. Yeh khatarnak matlab wala milana nahin. Yeh us plan ko band karna hai jo waise bhi band hone wala tha, aur naya plan shuru karna jo thori si baqi raqam sath le jata hai.

Is tarah karein. Pehle plan ki baqi raqam jorein aur likhne se pehle woh number us ke samne bol kar batayein. Us plan ko record mein naye plan mein shamil ho kar khatam shuda likhein, taake us ka apna anjaam aur apni tareekh ho. Phir naya plan likhein jis ka total doosri cheez ki qeemat jama wohi baqi raqam hai, apne advance, apni muddat aur apne zamin ki razamandi ke sath. Kaghaz par likhein ke naye total mein fridge se aayi hui Rs 9,000 shamil hain.

Aadhe chalte hue plan par yeh kabhi na karein, aur khamoshi se to kabhi nahin. Agar aap shamil ki gayi raqam aur nayi aakhri tareekh ek jumle mein counter par nahin bol sakte, to aap milane nahin ja rahe. Aap chupa rahe hain.

Ek customer, do qist khatay

Upar ki har baat register aur qalam se bhi chalti hai, kyunke asal cheez soch hai. Yeh Wasoolo mein bhi chalti hai.

Customer ka ek safha hota hai, aur usi ke neeche do qist khatay: fridge aur washing machine, har ek ki apni tarteeb, apna baqi balance aur apni aakhri tareekh. Aap customer kholte hain aur dono nazar aate hain, na ek doosre ko chupata hai. Ek baar ka munafa plan banate waqt tay hota hai aur wahin rehta hai, baad mein us mein kuch nahin jorha jata, na der par na kisi aur wajah se.

Zamin har plan ke sath alag mehfooz hote hain, customer ke sath nahin, aur yeh upar wale usool se milta hai. Waseem fridge ke peeche khara hai, aur woh washing machine par bhi razi ho to woh alag record hai jo aap doosra plan likhte waqt banate hain.

Mahine ki adaigi ke liye Wasoolo customer ki apni login par app ke andar reminder bhej sakta hai agar woh customer wali app istemal karta ho, aur ek tap wala button us ke number par WhatsApp chat khol deta hai jis mein message tayyar hota hai aur bhejte aap khud hain.

Aam sawalat

Woh kehta hai do plan ka matlab mahine mein do baar paisa dena. Kya yeh masla hai?

Nahin hai. Dono plan ki tareekh ek hi rakh dein, taake woh ek chakkar mein do raqamein laaye aur aap dono alag likhein. Us ka aitraz do chakkaron par hai, do record par nahin, aur ek tareekh yeh khatam kar deti hai jabke kitab batati rahegi ke har rupya kis cheez ka tha.

Kya doosri cheez ka advance us paise mein se le sakta hoon jo woh fridge par de chuka hai?

Nahin, aur yehi jaal faraakh dili jaisa lagta hai. Fridge par diya paisa fridge ka kuch hissa khareed chuka hai, aur usay idhar udhar karne se wohi plan subah se zyada ka ho jata hai. Nayi cheez ke liye naya advance lein. Woh na nikal sake to jawab aap ko mil gaya.

Doosri cheez chhoti ho, misaal ke taur par Rs 6,000 ki, to phir?

To shayad usay qist plan banana chahiye hi nahin. Usay us ke udhaar khate par daal dein aur kuch hafton mein wapas le lein, ya aadha aaj aur baqi us ki agli tankhwah par. Tarteeb aur zamin wala baqaida plan chhoti cheez ke liye bohat bara intezam hai.

Woh chahta hai pehla plan lamba ho jaye taake doosra le sake. Barha doon?

Chalte hue plan ko lamba karna us total ko badalta hai jis par zamin pehle haan keh chuka hai, yani wohi masla nayi qameez mein. Agar mahana qist waqai us ki aamdani mein ab nahin bethti to yeh sirf pehle plan ki alag guftagu hai, zamin ki maujoodgi mein, aur likhi hui tabdeeli par khatam.

Do plan hain aur ek mahine woh dono qiston se kam laata hai. Paisa kahan jayega?

Us se poochein aur jo woh kahe woh likh lein. Jo paisa hidayat ke bagair aata hai us par baad mein jhagra hota hai, is liye usay khud chunne dein ke woh kis plan par lagega aur entry ke sath note kar lein. Marzi na ho to purane plan par daal dein, jo khatam hone ke qareeb hai.

Kya doosra plan is liye mehnga hona chahiye ke woh pehle hi mera daindar hai?

Qeemat usi tarah tay karein jaise kisi bhi khareedar ke liye, cheez se, apni lagat se aur plan ki muddat se, shuru mein ek dafa. Doosra plan qeemat nahin, banawat badalta hai: bara advance, chhoti muddat, aur aisa zamin jis ne aap ko khud haan kahi ho. Achay customer se is liye zyada lena ke woh acha hai, aisi policy nahin jise bol kar samjhana aap ko acha lage.