Customer udhaar lekar gayab ho jaye to kya karein

Us ne phone uthana chhor diya hai. Faisla karne se pehle do alag admiyon mein farq karein: ek woh jo aap se bach raha hai, doosra woh jo sach mein ja chuka hai. Pehla taqreeban hamesha de deta hai, doosra kam hi. Phir ek tareekh tay karein jis ke baad aap apni shaamein is par kharch nahin karenge.

Woh bach raha hai ya waqai chala gaya hai

Yeh do alag maslay hain aur dono ka ilaj alag hai, is liye ek ghanta yeh pata karne mein lagana sab se acha ghanta hai.

Jo aadmi bach raha hai woh abhi yahin hai. Us ki dukan aksar subah khulti hai, bachche usi school jate hain, aur mohalle ke kisi banday ne usay mangal ko dekha tha. Woh phone is liye nahin uthata ke aaj us ke pas paisa nahin hai aur baat karte hue sharam aati hai. Aisa aadmi aksar do teen mahine mein de deta hai. Usay sirf ek cheez hamesha ke liye door karti hai, aur woh aap ka gussa hai.

Jo aadmi chala gaya hai us ne ghar badal liya ya shehar chhor diya. Kamre par tala hai, number band hai, aur saath wala kehta hai ke Eid ke baad gaya tha, pata kisi ke pas nahin. Yeh bilkul doosri surat hai, aur isay pehli samajh kar chalna aap ki teen mahine ki shaamein kha jata hai.

Is liye kuch karne se pehle poochhein. Us ke saath wali dukan se poochhein. Do aise customer se poochhein jo usay jante hain. Din mein ek dafa us ke darwaze ke samne se guzar jayein. Bees minute ka poochhna pachaas missed call se zyada batata hai, aur aage ka poora faisla usi se hota hai.

Pehle do hafte hi asal faisla kar dete hain

Pehle do hafte, usi tarteeb mein jo kaam karti hai

1. 1Teen aise logon se poochhein jo usay dekhte hainUs ke saath wali dukan, do customer jo usay jante hain. Bees minute poochhna pachaas missed call se behtar hai.
2. 2Ek message bhejein jis mein raqam likhi hoJawab dena asaan, behas karna namumkin. Paisa nahin, tareekh maangein.
3. 3Likhein us ne kaha kya aur kiya kyaDo toothi hui tareekhein likhi hon to samajh aata hai ke ab yeh sirf der nahin hai.
4. 4Ek dafa jayein, din mein, akeleDin ka sukoon wala chakkar aksar maamla hal kar deta hai. Shaam ki bheer ne kabhi nahin kiya.
5. 5Teesre hafte se pehle zamin ko call kareinUs se paisa nahin, aadmi ka pata poochhein. Woh aksar aap se zyada peecha karta hai.

Taqreeban har woh balance jo akhir mein doob jata hai, pehle mahine mein khamoshi se dooba tha, kyunki tab kuch karna bohat jaldi lagta tha.

In do hafton mein do cheezein ahem hain. Pehli yeh ke aap aisi baat karein jis ka jawab dena asaan ho. Ek chhota likha hua message jis mein raqam mojood ho, raat nau baje ki call se kahin zyada jawab lata hai. "Adnan, aap ka balance Rs 7,400 hai. Jo tareekh aap ko theek lage, woh bata dein." Jis banday ke pas aaj paisa nahin, woh bhi is jumle ka jawab de sakta hai. "Mera paisa kahan hai" ka jawab woh nahin de sakta.

Doosri yeh ke jo hua woh likhte jayein. Kis din baat hui, us ne kaunsi tareekh di, aya ya nahin. Kahin le jane ke liye nahin, balke is liye ke chaar mahine baad aap ko yaad nahin rahega, aur jo record kehta hai "pandrah ka kaha, nahin aya, tees ka kaha, nahin aya" wohi sach batata hai ke ab yeh sirf der nahin rahi. Jo tareeqe aam der wale balance par kaam karte hain, woh yahan bhi chalte hain, aur nishan taza ho to behtar chalte hain.

In do hafton ki ek aur baat: maamla khamosh rakhein. Jis din aap ne doosre customer ke samne us ki shikayat ki, us din woh maslay wala aadmi nahin raha, apni gali mein apna naam bachane wala aadmi ban gaya. Ab woh aur zyada bachega, aur jo log sun rahe the woh chup chap yeh note kar lenge ke aap un ke bare mein kya keh sakte hain.

Zamin ko call karein, magar usay bhi na khoyein

Agar kisi ne is balance par zamanat di thi, to woh lamha ab aya hai, aur call ka andaz hi tay karta hai ke baat banegi ya nahin.

Call khud karein. Kisi cousin ke zariye nahin, kisi ke bheje hue paighaam se nahin. Raqam batayein, jo hua saaf batayein, aur us se paisa maangne ki bajaye aadmi tak pohanchne mein madad maangein. "Rizwan, Adnan ke zimme Rs 7,400 hain aur mera us se raabta nahin ho raha. Aap ko pata hai woh ab kahan gaya hai?" Aksar pehle minute mein hi pata mil jata hai.

Jis zamin ko saathi samjha jaye woh aap se zyada zor se peecha karta hai, kyunki beech mein us ka apna naam hai. Aur jis zamin ko pehli hi call par qarzdaar bana diya jaye woh bhi phone uthana chhor deta hai, phir ek ki jagah do aadmi hath se nikal jate hain. Paise ki baat sirf tab karein jab woh madad karna waqai chhor de, aur tab bhi ek dafa, sukoon se, akele mein.

Agar is balance par koi zamin tha hi nahin, to poore waqiye ka asal sabaq yahi hai, aur woh paise se bhi zyada qeemti hai. Zamin ka sawal us din poochhna asaan hota hai jis din bari raqam bahar ja rahi ho, aur chaar mahine baad namumkin.

Peecha karne ka apna kharch bhi ginein

Farz karein: ek balance ke peeche chaar mahine

Woh balance jo us ke zimme haiRs 7,400

Shaamein jab dukan jaldi band karke usay dhoondne gaye9

In ghanton mein counter aam tor par kitna kamata haiRs 5,400

Chaar mahine ka kiraya aur phoneRs 900

Ab tak wapas milaRs 1,000

Yani peecha karne ka apna kharch huaRs 6,300

Yeh misal ke number hain, koi survey nahin. Apni shaamein dalein aur dekhein aap ka peecha kitna mehnga par raha hai.

Waqt woh cheez hai jo dukandar hisab mein rakhta hi nahin, aur aksar wohi sab se bara number hota hai.

Nau shaamein jaldi dukan band karna koi chhoti baat nahin. Yeh nau shaam ki bikri hai jo hui hi nahin, upar se kiraya, phone, aur woh mizaj jo har raat ghar tak saath gaya. Yeh sab dalein to Rs 7,400 ka balance aksar Rs 7,400 se zyada kha chuka hota hai, aur abhi tak mila bhi nahin.

Yeh dalil jald haar manne ki nahin hai. Yeh dalil number jan-ne ki hai, kyunki jis dukandar ne kabhi yeh hisab lagaya hi nahin, woh usool ki khatir saal bhar chhote balance ke peeche rehta hai, aur us usool ka bill dukan khamoshi se bharti rehti hai.

Woh din jab aap peecha chhorne ka faisla karte hain

Tareekh pehle se tay karein, kisi thande subah ke waqt, aur usay us ke naam ke saath likh dein. Aksar balance ke liye chaar mahine munasib hain. Chhe mahine faraakhdili hai. Ek saal ka matlab hai ke aap ki dukan aap ki anaa ka kharcha utha rahi hai.

Jis din woh tareekh aaye, aakhri kaam theek se karein aur phir ruk jayein. Ek aakhri message bhejein, chhota aur bina garmi ke: raqam kitni hai, yeh ke aap isay khula chhor rahe hain, aur yeh ke jab bhi woh saaf karna chahe dukan mojood hai. Us ke baad call band, chakkar band, aur band karte waqt is ka sochna bhi band.

Is ke baad do mein se ek baat hoti hai, aur dono us saal se behtar hain jo aap kharch karne wale the. Kuch aadmi khud wapas aate hain, ek do saal baad, aksar is liye ke unhein dukan dobara chahiye hoti hai aur purana balance beech mein khara hai. Baqi kabhi wapas nahin aate, aur woh paisa waise bhi gaya tha, chahe aap apni shaamein us par lagate ya na lagate.

Ek kaam bilkul na karein: isay ilaqe ka tamasha na banayein. Kisi ke ghar ke bahar khara hona, un logon ko beech mein lana jin ka is se koi taluq nahin, ya aisi baat kehna jo wapas nahin li ja sakti, is se Rs 7,400 nahin milte. Is se aap ke bare mein ek kahani banti hai jo har us customer tak pohanchti hai jo aap ko waqt par paisa deta hai.

Record mein isay band karein, aur ek usool badal lein

Us ka page mitayein nahin. Jo naam aap aaj mita denge, do saal baad usi naam ko aap khush hokar salaam karenge, aur yaad hi nahin rahega ke us garmiyon mein dukan ka nuqsan kyun hua tha.

Balance jahan hai wahin rehne dein, us par saaf nishan lagayein ke maamla ruka hua hai, aur poori tafseel mehfooz rakhein. Wasoolo customer ka page aur us ki har entry maamla band karne ke baad bhi rakhta hai, aur phone gum ho jaye to bhi kuch nahin jata, jo har surat mein alag se rakhi jane wali achi aadat hai.

Phir is nuqsan se sirf ek usool khareedein. Paanch nahin, ek, kyunki gusse mein banaye gaye paanch usool agle mahine tak khatam ho jate hain.

Agla bara balance dukan se bahar jane se pehle

• Aap us ki gali ka naam bata sakein, sirf ilaqa nahin
• Aap ko pata ho woh kahan kaam karta hai ya us ki dukan kahan hai
• Ek aisa banda jo dono ko janta ho, is ke liye zamin bana ho
• Raqam aur tareekh zubani tay hui aur usi din likhi gayi
• Woh kam az kam do dafa chhota balance saaf kar chuka ho
• Poori raqam doob jaye to bhi supplier ka paisa na ruke

Aksar dukanon ke liye kaam ka usool teen mein se ek hota hai: pata, ya zamin, ya had. Yani kisi ek naam par utni raqam se zyada kabhi na charhne dein jitni aap pehle se tay kar chuke hain. In teen mein se jo cheez isi nuqsan ko rok deti, wohi rakhne layaq hai. Agar aap ne kabhi woh had tay hi nahin ki, to abhi tay kar lein jab tak us ke na hone ka kharcha taza hai.

Aakhir mein woh baat jo koi zubani nahin kehta. Ek aadmi ke gayab hone ka matlab yeh nahin ke aap ki parakh kharab hai. Har woh dukan jo udhaar deti hai, kabhi na kabhi kuch kho deti hai. Bachne wali dukan aur doobne wali dukan mein farq sirf itna hai: nuqsan itna tha jitna dukan utha sakti thi, aur jate jate ek usool badal gaya.

Aam sawalat

Kitne arse tak peecha karna chahiye, aur kab maan lein ke paisa gaya?

Muddat shuru karne se pehle tay karein, aur aksar balance ke liye chaar mahine theek rehte hain. Asal baat yeh hai ke tareekh kisi thande subah tay ho aur us ke naam ke saath likhi ho, kisi bure lamhe mein nahin. Bina had ke peecha karna hi woh cheez hai jis se Rs 7,000 ka balance dukan ko band shaamon ki soorat mein Rs 20,000 ka par jata hai, aur milta phir bhi nahin.

Zamin kehta hai ke woh zimmedar nahin. Ab kya karein?

Amli baat yeh hai ke us se paisa maangne ki bajaye aadmi tak pohanchne mein madad maangein, kyunki isi baat par woh haan keh sakta hai. Jo zamin paisa dene se inkar kar dete hain woh bhi aksar aadmi ka sakht peecha karte hain, kyunki beech mein un ka apna naam hai. Pehli call par paisa maanga to yeh madad bhi hath se jati hai. Kaghaz us par kya lazim karta hai, yeh alag maamla hai aur counter us ki jagah nahin.

Kya doosre dukandaron ko us ke bare mein batana chahiye?

Jin ek do dukandaron se aap ka waqai lena dena hai, unhein khabardar karna aam karobari baat hai. Isay poore ilaqe ka maamla bana dena aam baat nahin, aur is se paise ka masla ek aadmi ke naam ki larai ban jata hai, jis ke baad woh aap ko de bhi de to us ki izzat nahin bachti. Baat sach tak rakhein, nijji rakhein, aur aisi koi baat na kahein jo aap us ke samne dobara na keh sakein.

Woh do saal baad wapas aya hai aur phir se saudha lena chahta hai. Kya usay dein?

Cash par zaroor dein, khush dili se, aur purani baat par koi taqreer kiye baghair. Agar woh purana balance saaf kar de to isay tohfa samajh kar shukriya keh dein. Udhaar sirf tab jab purani raqam saaf ho chuki ho aur woh kuch arsa cash par khareed chuka ho. Ghalti usay saudha dena nahin hai. Ghalti yeh hai ke salaam garam jozi wala tha, is liye naya balance khol diya jaye.

Jitne mahine us ne intezar karwaya, kya us ka kuch upar laga sakta hoon?

Nahin. Der par kabhi kuch upar na lagayein. Na koi late fee hai, na jurmana, aur na intezar ki koi qeemat, kyunki der se bandhi hui har cheez paise ko insaf ki behas bana deti hai, aur wahi behas is baat ki zamanat hai ke ab aap ko kabhi kuch nahin milega. Jitna us ke zimme hai, bas utna hi hai.

Sab ko mana kiye baghair yeh dobara hone se kaise rokein?

Sab ko mana karne ki zaroorat hi nahin. Jis lamhe bari raqam bahar ja rahi ho, us waqt teen cheezein chahiyen: aisa pata jahan aap waqai pohanch sakein, ek banda jo is par khara ho, aur har naam ke liye pehle se tay ki hui had. Taqreeban har gayab hone wala naam woh hota hai jis ke pas teen mein se ek bhi nahin thi, aur jis ka faisla shaam chhe baje chaar logon ke intezar mein hua tha.