Udhaar us ki aamdani ke hisab se dein

Kisi ka safha kholne se pehle ek sawal poochein: paisa aap ke haath mein kab aata hai. Jise har shaam dihari milti hai, jise jumme ko milti hai aur jise maheene ke aakhir mein milti hai, teenon ko alag bandobast chahiye. Teenon ko ek jaisa khata dein to un mein se do bure customer lagenge.

Teen customer, ek bandobast, do masle

Ek raaj dihari par kaam karta hai. Kisi din kaam hota hai, kisi din nahin, aur paisa usay taqreeban har shaam thori thori miqdar mein milta hai.

Aage gali mein ek dukan ka mulazim hai jise maheene mein ek baar tankhwah milti hai. Pachees din us ki jeb taqreeban khali rehti hai aur phir ek din us ke paas sara paisa ek saath aa jata hai.

Ek sabzi wala hai jis ke paas din bhar cash aata rehta hai, roz, magar kabhi zyada nahin, aur shaam ko jo us ke paas hai woh pehle hi kal ki kharid ke liye bandha hua hai.

Aap teenon ko ek hi cheez dete hain: khula safha aur yeh dhundla sa samjhota ke jab ho sakega de denge. Maheena khatam hota hai aur un mein se sirf ek ne saaf kiya hota hai. Aap yeh natija nikalte hain ke do bharose ke laaiq nahin. Aisa hai nahin. Aap ne bas teenon se us tarteeb mein maanga jo sirf ek ko munasib thi.

Yeh na milna bad-diyanati kyun lagta hai

Shakhs us paise mein se deta hai jo us lamhe us ke haath mein hai, us kamai mein se nahin jo woh maheene bhar mein karta hai. Yehi farq poora mazmoon hai.

Dihari wale ke paas atthaees tareekh ko ja kar bari raqam maangein to us ke paas waqai nahin hoti, kyunke us ka paisa chhote tukron mein aata hai aur chhote tukron mein chala jata hai. Usi ke paas kisi bhi shaam ja kar chhoti raqam maangein to woh taqreeban hamesha mojood hoti hai. Wohi aadmi, wohi kamai, do bilkul alag jawab, aur un mein se sirf ek usay imandar dikhata hai.

Ab ulta karein. Tankhwah wale se har do teen din baad chhoti raqam maangein to aap usay tang karenge aur milega kuch nahin, kyunke us ke din se pehle us ki jeb khali hai. Usi se ek baar, sahi din maangein aur poora balance ek saath aa jata hai.

Isi liye itne dukandar ek hi customer ko na qabil e etbar kehte hain jab ke doosri dukan usay behtareen kehti hai. Customer nahin badla. Waqt badla tha.

Ghalat waqt kitna mehnga parta hai

Andaze se chalne ka kharcha bhayanak nahin hota, aur isi liye woh barson chalta rehta hai.

Farz karein dihari wale customer se maheene mein ek baar maanga jaye

Woh maheene bhar mein safhe par kitna leta haiRs 6,000

Jis din aap maangte hain us din us ke paas kya haiRs 1,500

Agle maheene par aage barh gayaRs 4,500

Is ki bajaye har teesri shaam maanga jayeHar baar Rs 600

Wohi aadmi, wohi aamdani, safha sifar parRs 0

Ahem line aakhri hai. Us poori misaal mein na koi bay-imaan shakhs tha, na jhagra, na doobta hua paisa. Sirf ek safha ghalat din wasool kiya gaya, maheene dar maheena, aur us se bilkul wohi shakal bani jo us customer ki hoti hai jo dena hi nahin chahta.

Ek sawal poochein, aur jawab likh lein

Sawal chhota hai aur kisi ko bura nahin lagta, kyunke woh jaanch nahin lagta. Woh bandobast lagta hai.

"Aap ka paisa aam taur par kab aata hai?"

Yeh us waqt poochein jab safha khul raha ho, us waqt nahin jab aap balance ke peeche hon. Kholte waqt yeh cheezein tarteeb dene ka aam, dostana sawal hai. Peechha karte waqt yeh tafteesh lagta hai, aur aap ko aisa gol jawab milega jo guftagu khatam karne ke liye diya gaya ho.

Phir jawab us ke naam ke saath likh lein, kyunke chalees customeron ka yeh aap ko yaad nahin rahega. Wasoolo customer ke apne safhe par note aur due tareekh rakhne deta hai, jis se jawab wapas us din aap ke saamne aa jata hai, us cheez ki bajaye jo aap ko kabhi maloom thi. Kaghaz par us ke safhe ke oopar do lafz yehi kaam kar dete hain.

Chaar tarteebein, chaar bandobast

Us ka paisa kaise aata haiUs ka safha kaise chalna chahiye

DihariUs ka paisa kaise aata haiZyadatar shaamon ko thora thora, aur bay-kaar dinon mein kuch nahin.Us ka safha kaise chalna chahiyeChhoti hadd, har doosri teesri shaam maangna, jaldi jaldi saaf.

HaftawarUs ka paisa kaise aata haiHar hafte ek hi din ek adaigi, jo hafte ke beech tak kharch ho jati hai.Us ka safha kaise chalna chahiyeUsi din ek baar maangna, aur ek hafte ke barabar ki hadd.

Maheewar tankhwahUs ka paisa kaise aata haiPachees din taqreeban kuch nahin, phir sab kuch ek saath.Us ka safha kaise chalna chahiyeMaheene bhar barhne dein, aur usi din poora hisab karein.

MausamiUs ka paisa kaise aata haiSaal mein chand baar ek bara dher aur beech mein lambe khali waqfe.Us ka safha kaise chalna chahiyeDher se bandhi tareekh, aur woh hadd jis ke bagair aap waqai guzara kar sakein.

Us table ka teesra khana poora tareeqa hai. Aap yeh tay nahin kar rahe ke kis par kitna bharosa karna hai. Aap yeh tay kar rahe hain ke maangna kab hai, kitni baar hai aur kitna hai, taake maangna us waqt aaye jab paisa mojood ho.

Udhaar ki miqdar shakhs se nahin, waqfe se tay karein

Tarteeb maloom ho jaye to raqam taqreeban khud ba khud nikal aati hai, aur woh ehsas ka mamla nahin rehti.

Usool seedha hai: balance kabhi us se barha nahin chahiye jo woh ek aam adaigi mein se saaf kar sake. Dihari wale ke liye is ka matlab chhota safha jo jaldi jaldi saaf hota rahe. Tankhwah wale ke liye is ka matlab woh safha jo maheene bhar mehfooz tareeqe se barh sakta hai aur us ke din sifar par chala jata hai.

Yehi ek usool us tabahi ko rokta hai jo in bandobaston ko barbad karti hai, ya ni woh balance jo khamoshi se us aamdani se bara ho jaye jise usay saaf karna hai. Jis din safha ek tankhwah se bara ho gaya, woh sirf tukron mein saaf ho sakta hai, aur tukre wohi cheez hain jo balance ko mustaqil bana deti hain. Yehi machinery hamesha aadha paisa dene wale customer ke peeche hai, aur woh aam taur par kirdar ka nahin, waqt ka masla ho kar shuru hoti hai.

Number khud chunne ka poora tareeqa udhaar kitna dena chahiye mein hai. Tarteeb shakal tay karti hai; woh miqdar tay karta hai.

Mausami kamai wale ko bilkul alag shakal chahiye

Kuch customeron ka koi tankhwah ka din hota hi nahin. Ek kisan, ek theke daar, ek aisa aadmi jis ka kaam jhatkon mein chalta hai: paisa saal mein chand baar ek bare dher ki shakal mein aata hai aur beech mein taqreeban kuch nahin aata.

In customeron ke liye chhoti baaqaida wasooli mumkin hi nahin aur us ka dikhawa sab ki mehnat zaya karta hai. Jo chalta hai woh dher se bandhi hui tay shuda tareekh hai, hafte ki bajaye poore waqfe ke liye tay ki gayi hadd hai, aur is baat par poori sachai ke safha maheenon para rahega.

Do cheezein isay be-parwahi ki bajaye mehfooz banati hain. Pehli, hadd woh honi chahiye jis ke bagair aap us poore arse tak waqai guzara kar sakein, kyunke aap amlan apne stock ka paisa ek mausam ke liye de rahe hain. Doosri, aap dono shuru mein buland awaz mein kah lein ke hisab wale din total kya banega aur agar fasal ya theka bura raha to kya hoga. Jis dukan ne bure natije ki tayyari kar rakhi ho woh us ke aane par nahin ghabrati, aur in jhatkon se guzarne par us mausam ka mazmoon hai jab udhaar dugna ho jata hai.

Taalluq nahin, yaad dihani ka waqt badlein

Aakhri hissa sab se aasan hai aur sab se zyada kaam karta hai.

Apna maangna us ki tarteeb par le aayein aur phir us mein koi jazba na rakhein. Dihari wale ko har doosri teesri shaam saman pakrate hue us ka balance sun jata hai. Haftawar wale ko hafte ke usi din, ek baar. Tankhwah wale ko us ki tankhwah se do din pehle ek baar, aur phir usi din.

Is mein dabao kuch bhi nahin aur awaz oonchi karne ki zaroorat kaheen nahin. Yeh wohi number hai jo us lamhe kaha gaya jab shakhs us par amal kar sakta hai, aur yehi farq maangne aur tang karne mein hai. Jo yaad dihani tankhwah wale ko teen tareekh ko pohanche woh kaam ki hai. Wohi lafz bees tareekh ko shor hain, aur shor wohi cheez hai jise log nazar andaz karna seekh lete hain.

Do teen chakkar yeh kar ke dekhein aur aap ko milega ke jinhein aap bure customer samajhte the un mein se zyadatar sirf ghalat waqt par maange gaye the, aur jo waqai mushkil hain woh ab saaf nazar aate hain, kyunke guftagu se waqt wala bahana nikal chuka hai. Us ke baad jo bachta hai woh alag masla hai, jis par udhaar wapas lene ke tareeqe mein baat hai.

Aam sawalat

Customer se yeh poochna ke usay tankhwah kab milti hai, kya bad tameezi hai?

Nahin, agar sahi lamhe par aur sahi wajah se poocha jaye. Safha kholte waqt yeh aam bandobasti sawal hai aur taqreeban har koi bagair soche jawab de deta hai. Bad tameezi tab lagti hai jab yeh peechhe parte hue poocha jaye, kyunke tab lagta hai ke aap us ki baat parakh rahe hain, nizam nahin bana rahe. Shuru mein, ek baar, aam lehje mein poochein aur phir yeh sawal dobara kabhi nahin uthta.

Agar usay khud nahin pata, ya us ka kaam bay-qaida hai to?

To yehi jawab hai, aur yeh kaam ka jawab hai. Bay-qaida kamai wale ko bara safha kabhi kabhi saaf karne ki bajaye chhota safha jaldi jaldi saaf karne ko dena chahiye, kyunke chhota balance bure hafte se bach jata hai aur bara nahin bachta. Yeh tay karein ke acha din aane par woh kuch na kuch dega, aur hadd itni neechi rakhein ke bure dinon ka silsila usay dabaye nahin.

Kya tankhwah ka din us ke safhe par likhna chahiye jahan woh dekh sake?

Haan, aur yeh tawaqqo se zyada faida deta hai. Yeh note ke hisab falan din hota hai, bandobast ko aap ki zaati tawaqqo ki bajaye mushtarka mansooba bana deta hai. Is se maangne ki jhijhak bhi khatam ho jati hai, kyunke aap har baar naya mutalba karne ki bajaye us cheez ki taraf ishara kar rahe hain jis par dono ka ittefaq tha.

Usay tankhwah maheene mein milti hai magar woh pehle hafte mein hi sab kharch kar deta hai. Phir?

Apna maangna chand din baad ki bajaye usi din par le aayein, aur usay bata dein ke aap aisa kar rahe hain taake yeh achanak na lage. Phir bhi na chale to imandarana natija yeh hai ke us ki aamdani maheene bhar ke balance tak pohanchti hi nahin, aur ilaj chhota safha hai jo har hafte saaf ho. Yeh saza nahin; yeh bandobast ko us cheez ke mutabiq karna hai jo waqai us ke haath tak pohanchti hai.

Kya is ka matlab yeh hai ke customeron ke saath alag sulook karoon?

Shartein sab ko ek jaisi dein aur wasooli alag dinon par karein, aur yeh ghair barabari wala sulook nahin hai. Hadd ka usool sab ke liye ek hai: kabhi us se zyada nahin jitna ek aam adaigi saaf kar sake. Jo badalta hai woh calendar hai, aur aaj tak kisi customer ne is par aitraz nahin kiya ke us se us din maanga jaye jo us ke liye sab se aasan hai.

Chalees customeron ki chaar alag tarteebein kaise yaad rakhoon?

Yaad dasht se nahin, yeh imandarana jawab hai. Unhein ek ek kar ke sambhalne ki bajaye group bana lein: ek roz wala group jis se woh aate hue baat hoti hai, ek haftawar group jo ek muqarrar din saaf hota hai, aur ek maheene wala group jis ki tareekhein likhi hui hain. Teen group kaghaz par bhi sambhal jate hain aur us se bhi aasan tab hain jab tareekhein har customer ke safhe par khud saamne aa jayein.