Dukan aur khata agle banday ke hawale kaise karein?

Kisi din shutter koi aur kholega: beta, bhai, partner, ya kharidar. Char cheezein hawale karni hoti hain, ek nahin. Poora khata har balance ke saath, supplier ki shartein, kaghazat, aur passwords. Yeh kaam din ki roshni mein, kai hafton mein karein, jab aap khud har naam samjhane ke liye mojood hain.

Wo subah jab aap counter par nahin honge

Ek mangal ki subah socheen jo aap ke baghair aati hai. Sarhe aath baje shutter uthta hai, doodh wali gari aati hai, ek customer andar aa kar kehta hai "mere khate mein likh lo", aur counter par khara naujawan ko bilkul pata nahin ke us aadmi par Rs 400 baqi hain ya Rs 14,000.

Register use mil jayega. Matlab nahin milega. Use nahin pata ke darzi mahine ke beech mein aadha deta hai, ke "Sattar" wale safhe par asal mein teen bhai hain jo ek hi khata chalate hain, aur ke tel wala chaudah din deta hai jabke sabun wala foran cash maangta hai.

Yeh sab register mein nahin hai. Yeh aap ke dimagh mein hai. Aur jis dukan ka poora paisa ka ilm ek hi sir mein ho, wo dukan kisi ko nahin di ja sakti, na ek mahine ke liye, na hamesha ke liye.

Hawala koi kaghaz nahin jo aakhri din par dastkhat ho jaye. Yeh aam hafton mein kiya jane wala kaam hai, aur jitna jaldi shuru karein utna sasta parta hai.

Char cheezein hawale hoti hain, sirf chabi nahin

Zyada tar log samajhte hain ke dukan dena matlab chabi de dena. Chabi is mein sab se chhoti cheez hai.

Char alag alag hawale hain, aur har ek apne andaz se kharab hota hai:

1. Jo paisa aap ko milna hai. Har khula udhaar balance, har chalta qist plan, kaun peeche hai, kis ka zamin hai, kis ki had kitni hai.
2. Jo paisa aap ne dena hai. Supplier ke balance, har ek ki shartein, kaun se bill baqi hain, kaun sirf cash leta hai.
3. Kaghazat. Kiraye ka agreement, bijli ka connection, licence, bank ki tafseel wali copy, freezer ki guarantee.
4. Ilm. Rate, mausam, kaun bharose ka hai, aur kaun si cheez dukan mein kyun nahin rakhi jati.

Chaar cheezein jo hawale karni hain, isi tarteeb se

• Har khula udhaar balance, aur saath ek line ke wo banda kaise adaigi karta hai
• Har chalta qist plan: kitni qistein baqi, tareekhein, aur zamin kaun hai
• Har supplier alag: kitne din ki mohlat, delivery ka din, akhri rate, aur baqi raqam
• Kaghazat: kiraye ka agreement, licence, meter, guarantee ki parchiyan
• Account aur password, likh kar wahan rakhein jahan ghar ka koi fard dhoond sake
• Usool: kis ka khata banega, had kya hai, kis cheez par sirf cash lena hai

Pehli do sirf hisaab hain aur agar record saaf ho to ek chhutti mein poori ho jati hain. Chauthi cheez hafton ka kaam hai, aur wohi hai jise har koi chhor deta hai.

Shuruaat khate se, kyunki paisa wahan hai

Ek shaam nikalein aur har khule safhe par se guzrein. Kuch naya likhne ke liye nahin. Sirf har naam par char sawalon ka jawab bol kar dene ke liye, taake agla banda wo jawab apne kaanon se sun le.

Yeh kaun hai? Paisa kis cheez ke badle baqi hai, saman, qarza, ya koi purana hisaab? Yeh kab aur kitna deta hai? Is ki had kya hai?

Aap ko aisi cheezein milengi jin ki tawaqqo nahin thi. Ek safha jo barse se hila hi nahin. Ek hi aadmi ke do safhe do mukhtalif spelling mein. Ek balance jo phate hue purane register se aage barha diya gaya aur ab dono mein se koi use samjha nahin sakta. Yehi wo waqt hai jab yeh cheezein saaf karni chahiyein, kyunki agar aaj nahin, to yeh us din samne aayengi jab samjhane wala aadmi wahan mojood nahin hoga.

Phir har naam ke saath ek aisi line likhein jis par agla banda amal kar sake. "Har jumaa ko deta hai, Rs 5,000 se zyada kabhi khula na rakhein." "Sirf cash, khata nahin." "Bhai zamin bana tha, plan ki gyarah qistein baqi hain."

Har naam ke saath yehi ek line khate ko wirasat bana deti hai.

Farz karein hawale wale din khula udhaar Rs 186,000 hai

Wo naam jo tareekh aur raqam ke saath theek likhe hainRs 155,000

Wo naam jinhein sirf aap ki yaadasht samjha sakti haiRs 31,000

In mein se wo balance jo customer khud maan legaRs 12,000

Baqi wo jhagra jahan kaghaz par kuch bhi sabit nahin hotaRs 19,000

Ek shaam naam likh lene se kitna bach jataRs 19,000

Farz karein aap ka khula udhaar ikkalis naamon par Rs 186,000 banta hai. In mein se char naam, jin par Rs 31,000 hain, sirf aap ki yaadasht mein mojood hain. Naya banda pehle hi din Rs 31,000 nahin kho deta. Wo yeh raqam ahista ahista khota hai, un mahinon mein jab wo aisa paisa maang hi nahin sakta jise samjha na sake.

Supplier wala pehlu jise koi likhta hi nahin

Aap ke supplier aap ki aadhi chalti hui poonji hain, aur wo poori ki poori kaghaz se bahar hai.

Tel wala chaudah din deta hai kyunki aap barson se us se le rahe hain. Sabun wala cash maangta hai kyunki barson pehle ek adaigi ruk gayi thi. Ek do ki jagah char carton par rate kam kar deta hai, aur ek chupke se delivery ka kharcha bill mein jor deta hai.

Baith kar har supplier ki shartein likhein: kitne din ki mohlat, delivery ka din, kis ko phone karna hai, akhri rate kya tha, aur us ka kitna baqi hai. Phir agle bande ko ek poori kharidari par saath le jayein, taake naam ke saath chehra bhi juraye.

Jis supplier ne naye aadmi ko kabhi dekha hi nahin, wo use ajnabi samajhta hai, aur ajnabi ko chaudah ki jagah saat din milte hain. Yeh chhoti baat nahin. Jo dukan mahine mein Rs 300,000 ka maal kharidti ho, us ke liye ek hafte ki mohlat khona ek hafte ka cash kahin aur se lana hai.

Hawala din ki roshni mein, ek raat mein nahin

Jo hawala chalta hai wo boring aur sust hota hai. Zyada tar chhoti dukanon ke liye chhe hafte kaafi hain.

Chhe hafton ka hawala jo aazma bhi liya gaya ho

1. 1Hafta 1-2: wo aap ko dekhta haiBikri, khate mein likhna, aur us ke samne kisi ko udhaar se mana karna.
2. 2Hafta 3-4: wo karta hai, aap dekhte hainMushkil hissa bhi: aap ke samne kisi customer se paisa maangna.
3. 3Hafta 5: kharidari wo karta hai, thela aap uthate hainHar supplier us se ek baar mile, aap saath khare hon.
4. 4Hafta 6: aap peeche baith jayeinSirf sawal ka jawab dein, counter par haath bilkul nahin.
5. 5Phir poora ek hafta bahar chale jayeinPhone par mojood rahein. Us hafte jo tootega, wohi baad mein bhi tootta.

Phir, aur yehi hissa log chhorte hain, aap poore ek hafte ke liye bahar chale jayein, jab aap sahi salamat hain aur phone par mil sakte hain. Jo hawala kabhi aazmaya na gaya ho wo mansuba hai, hawala nahin. Us ek hafte mein jo tootega, theek wohi baad mein bhi tootta, jaisa har us bande ko pata hai jise kabhi poora mahina dukan chhor kar jana para ho.

Hawala kahan kahan kharab hota hai

Teen ghaltiyan bar bar hoti hain, aur in mein se koi bhi imandari ka masla nahin.

Aadha hawala. Use counter mil gaya lekin kharidari nahin, ya kharidari mil gayi lekin khata nahin. Ab ek dukan do log chala rahe hain aur sach ke do version hain, aur mahine bhar mein koi nahin bata sakta ke dukan ka kitna paisa bahar hai. Agar waqai aap dono ne mil kar chalani hai, to use theek tarah do partner aur ek hi hisaab ki tarah chalayein, jahan hissay pehle jhagre se pehle likhe ja chuke hon.

Chupke se had barhana. Naya banda, achha banne ke chakkar mein, pehle hi mahine sab ki had barha deta hai. Bikri shandar lagti hai. Char mahine baad dukan ke paas cash nahin bachta aur us barhi hui raqam ka aadha wapas hi nahin aata. Had ko usool ki tarah, likh kar hawale karein, aur saaf keh dein ke pehle teen mahine kuch tabdeel nahin karna.

Wo password jo kisi ke paas nahin. Jis phone mein record hai wo lock hai, backup us email se juda hai jo sirf aap khol sakte hain, aur bank app us number par code bhejta hai jo ab band ho chuka hai. Yehi wo kharabi hai jo mushkil mahine ko tabahi bana deti hai, aur ise rokne mein ek rupya nahin lagta. Account, un ki jagah, aur kaun kaun un tak pohanch sakta hai, sab likh kar wahan rakhein jahan ghar ka koi fard dhoond le. Khate ka record mehfooz rakhna bhi yehi anushasan hai, zaroorat parne se pehle.

Beta ho, bhai ho, ya kharidar ho

Hawale ki shakal is par badalti hai ke lene wala kaun hai.

Beta ya koi jawan rishtedar aksar dukan jaanta hai, paisa nahin jaanta. Wo barson se shelf lagata aaya hai aur us ne ek baar bhi apne se dugni umar ke aadmi ko udhaar se mana nahin kiya. Chhe hafte theek isi cheez par lagayein: us ke saath khare rahein jab wo kehta hai "is dafa nahin" aur us khamoshi ko chalne dein.

Bhai ya partner aksar paisa jaanta hai lekin aap ke usool nahin jaanta. Khatra wahan salahiyat ka nahin, behakne ka hai, do sar, do haddein, do aadatein. Usool ek baar das lainon mein likh dein aur kaghaz ko malik banayein, aap dono mein se kisi ko nahin.

Kharidar, yani wo shakhs jo aap ko dukan ke paise de raha hai, bilkul alag maamla hai. Wo maal, fitting aur naam kharid raha hai, aap ka udhaar nahin kharid raha. Aap ke khule balance aap hi ke hain jab tak wo likh kar, dono ki tay ki hui kami par, unhein kharidne par raazi na ho. Kisi kharidar ko naamon ki list de kar yeh na samjhein ke paisa bhi us ke saath chala jayega. Din se pehle jitna wasool ho sakta hai kar lein, baqi ko chhoti muqarrar adaigi mein badal dein, aur jo list dein us mein saaf saaf batayein ke kaun se naam paisa dena band kar chuke hain.

Aisa record jo waqai hawale ho sake

Yeh sab kaam tab asaan hai jab dukan ka record registeron ka wo dher na ho jise sirf aap parh sakte hain.

Digital khata yahan seedhi si madad karta hai: har balance, har adaigi aur har qist plan ek jagah tareekh ke saath mojood hota hai, is liye agla banda wohi tareekh parhta hai jo aap parhte hain, aap ke munh se sunta nahin. Wasoolo mein aap use team member bana kar us ka apna login aur apni ijazatein de sakte hain, wo pehle hafte se bikri likh sakta hai aur adaigi le sakta hai, jabke naya customer banana ya kisi ki had barhana aap ke paas rehta hai jab tak aap khud na chahein.

Hawale wale din backup sab se ahem cheez hai. Record cloud mein rehta hai, is liye phone haath badalne par bhi zinda rehta hai, aur web aur desktop par bhi khulta hai, matlab dukan ki poori tareekh kisi ek aadmi ki jeb mein qaid nahin.

Aur jab customer kehta hai "wo to main de chuka hoon", to jawab do bandon ki yaadasht nahin hota, balke tareekh wali entry aur chhapa hua statement hota hai. Naye bande ke liye yeh aap ki har nasihat se zyada qeemti hai, kyunki isi ki wajah se wo us paise par sakhti kar sakta hai jo us ne khud apne haath se nahin diya tha.

Aam sawalat

Mera beta pehle se dukan par kaam karta hai. Kya phir bhi baaqaida hawala zaroori hai?

Ji haan, aur aksar yehi sab se tez hota hai. Use maal aur customer to aate hain; jo us ne kabhi nahin kiya wo hai udhaar se mana karna, paisa maangna, aur supplier se rate par bahes karna. Yeh teen kaam us ke hawale karein jab aap dekhne ke liye mojood hain, aur khata naam ba naam samjhayein taake use sirf raqam nahin, wajah bhi mile.

Main dukan bech raha hoon. Kya mera udhaar bhi us ke saath jata hai?

Nahin, jab tak dono likh kar tay na karein aur qeemat par raazi na hon. Khule balance aap ka paisa hain, dukan ki fitting nahin. Hawale se pehle jitna wasool ho sake kar lein, baqi ko chhoti muqarrar adaigi mein badal dein, aur saaf batayein ke kaun se naam ruk chuke hain, jo kharidar yeh baad mein dhoondta hai wo khud ko thaga hua samajhta hai, aur ghalat nahin samajhta.

Hawale ke baad customer yeh na samjhein ke main chala gaya, is ka kya tareeqa hai?

Khud counter par apne purane customeron ko batayein: "Ab yeh chalata hai, main phir bhi mojood hoon." Phir kuch hafte us ke saath khare rahein taake log tabdeeli nahin, dukan dekhein. Log chehra badalne par nahin jate, wo tab jate hain jab koi unhein kuch batata hi nahin aur wo apne aap bura gumaan kar lete hain.

Agar lene wala mere sare usool badal de to?

Usool hawale se pehle likh dein aur us se teen mahine unhein qayam rakhne ko kahein. Udhaar ki had, kis ka khata banega, kis cheez par sirf cash. Teen mahine baad dukan bhi us ki hai aur usool bhi us ke. Zyada tar nuqsan pehle hafton mein hota hai, jab wo achha banna chahta hai aur abhi tak nahin jaanta ke kaun se naam khatarnak hain.

Mera record purane registeron mein hai. Kya hawale se pehle use phone par lana faida mand hai?

Khule balance dalein, poori tareekh nahin. Das saal ke saaf ho chuke safhe kisi ko nahin chahiyein. Agle bande ko sirf wo naam chahiyein jin par abhi paisa baqi hai, raqam, aur ek line ke wo banda kaise deta hai. Yeh ek chhutti ka kaam hai aur wirasat mein chhori hui sab se kaam ki cheez hai.

Kya bank aur mobile account bhi hawale kar dene chahiyein?

Dukan ke account hawale karein, aur agar aaj tak alag nahin kiye to pehle unhein zaati account se alag karein. Sirf password de dena kafi nahin, jahan mumkin ho account sahi naam par muntaqil karayein, aur likh dein ke kya kahan hai aur kaun us tak pohanch sakta hai. Jo record khula hi na ja sake, wo hone ke barabar hai.