Ilaj ke liye koi udhaar mange to kya karein

Woh saman nahin khareed raha. Usay aaj raat cash chahiye, aur woh dara hua hai. Abhi tay kar lein, jab koi maang nahin raha, ke poore saal mein dukan kitna kho sakti hai. Phir maange se kam dein, jahan saman kaam de wahan saman dein, aur raqam likh lein.

Yeh udhaar baqi sab se alag kyun hai

Aap ke khate ka har doosra udhaar saman se shuru hua tha. Aata, ghee, cement ki bori, aur raqam usi cheez ki qeemat hai jo shelf se utri.

Raat ke nau baje. Shutter aadha gira hua, din ke note counter par wazan ke neeche. Akram andar aata hai aur kuch nahin khareedta. Phir kehta hai ke walid ko dopahar mein ward le gaye hain, aur subah tak Rs 50,000 chahiye.

Yeh cash hai, is liye galle se nikalta hai, shelf se nahin. Yeh jaldi ka hai, is liye jis par aap raat bhar sochte, us ke liye das minat hain. Aur is mein koi chaal nahin hoti: rashan ka baqaya khud utarta rehta hai kyunki woh har hafte aata hai, magar haspatal ki raqam ke saath koi agli aamad judi nahin hoti.

Isi liye dukandar dono taraf se ghalti karte hain: ya aisi raqam par haan keh dete hain jo saal bhar dukan ko takleef deti hai, ya ghabra kar aisa jumla bol dete hain jo bees saal ka taluq khatam kar de.

Number pehle tay karein, koi maangne se pehle

Poori baat ek line mein: yeh faisla kisi pursukoon dopahar ka hai, counter ka nahin.

Ek baar baith kar, jab koi khara na ho, ek raqam tay karein jo dukan poore saal mein kho kar bhi chal sake. Woh nahin jo aap dena chahte hain. Woh jise bhool kar bhi aap supplier ko waqt par paisa de sakein. Chhoti dukan ke liye shayad Rs 40,000 saal bhar ke liye, bari ke liye Rs 150,000. Size utna maayne nahin rakhta jitna yeh ke number mojood hai.

Ab dekhein ke counter ka sawal kaise badal jata hai. Pehle sawal tha: "jis ke walid haspatal mein paray hon, usay kaise mana karoon?" Is ka jawab kisi ke paas nahin, aur isi liye log Rs 80,000 par haan keh dete hain jo un ke paas hain hi nahin. Ab sawal hai: "jo alag rakha tha, us mein se kitna bacha?" Is ka jawab mojood hai, aur number bol dene mein sharm nahin hoti.

Chalta hua total aisi jagah rakhein jahan nazar pare: bahi ke aakhri safhe par ya phone ke note mein. Woh khatam ho jaye to "is mein ab kuch nahin bacha" sach hai, bahana nahin.

Is raqam ko maal ke budget se door rakhein, jo tab asaan hai jab dukan aur ghar ka paisa pehle se alag chal raha ho. Aur agar kabhi tay hi nahin kiya ke ek naam par zyada se zyada kitna ho, to pehle woh had bana lein.

Jitna maanga hai, us se kam dein

Aadha dena aisa lagta hai jaise aadha inkar kar diya. Aisa nahin hai. Aksar yehi sab se meherban aur sacha jawab hota hai.

Us ne Rs 50,000 is liye kahe ke ghanta bhar pehle haspatal ke counter ne yehi number bola tha. Usay aap se poori raqam ki ummeed thi hi nahin. Woh chaar paanch logon se poochh raha hai, aur har ek se ek asli haan chahiye, asli raqam ke saath.

Jaldi wali chhoti haan, der wale inkar se behtar

✓Yeh kahein

• Main aaj raat Rs 15,000 de sakta hoon. Itne mere paas hain.
• Yeh lein aur jayein. Baqi baat baad mein kar lenge.
• Ghar se kisi ko bhi bhej dein, kitchen ka saman le jaye. Main likh loonga.
• Aaj raat dukan mein kuch nahin hai. Main kisi aur ko phone karta hoon.

✕Yeh na kahein

• Din dekh lein, subah bata doonga.
• Doctor ne kul kitna kaha hai? Kaunsa haspatal hai?
• Theek hai, magar do mahine ke andar poora wapas chahiye.
• Apna card yahan rakh dein aur paise le jayein.

Saaf kahein, raqam pehle:

"Main aaj raat Rs 15,000 de sakta hoon. Itne mere paas hain. Yeh lein aur jayein, baqi baat baad mein kar lenge."

Is jumle mein kya nahin hai, woh dekhein. Yeh nahin poochha ke kyun, kaunsa haspatal, kitni bimari. Usay kuch sabit nahin karna para. Aur is ke baad yeh sochna nahin para ke aap ne haan kahi bhi hai ya nahin.

Agar kuch bhi na de sakein to yeh bhi utni hi jaldi keh dein, phir kuch aisa dein jo paisa na ho: kisi ka naam, ek phone number, ward tak ki lift.

Paise se pehle saman, jahan saman kaam de

Ek doosri cheez bhi aap ke paas hai, jo cash se kahin sasti parti hai.

Us ke ghar walon ne is sab ke darmiyan khana bhi khana hai. Ek mahine ka rashan aap ko kharid rate par parta hai: aap ke Rs 6,000 shelf se Rs 7,500 ke saman ki shakal mein nikalte hain, aur jo rupya woh aate ghee par nahin lagata, wohi haspatal ke counter tak pohanchta hai.

Shelf ka saman, ya galle ka cash

SamanCash

Aap ko kitna parta haiSamanAap ka kharid rateCashPoori raqam

Us ka kya faidaSamanUs ka apna paisa haspatal ke liye khali karta haiCashSeedha haspatal ke counter tak jata hai

Kahan chalta haiSamanKitchen, rashan, rozana ki cheezeinCashBill, test, ward ki adaigi

Kahan nahin chaltaSamanKoi haspatal counter aate ki bori nahin letaCashJab ghar mein pakane ko bhi kuch nahin

Kaise pesh kareinSamanGhar se kisi ko bhej dein, main likh loongaCashMain aaj raat Rs 15,000 de sakta hoon

Subah ke aath baje. Nazir ka beta, koi baarah saal ka, kaghaz ke phate tukre par list le kar aaya. Aata, ghee, chai, ek sabun. Maa chaar din pehle dakhil hui thi, aur usay samajh nahin aa raha tha ke kaise kahe ke paise nahin hain. Thaila bhar diya, khate mein likh diya, aur keh diya ke walid ko bata dena.

Yeh pesh karein, thopein nahin. "Ghar se kisi ko bhi bhej dein, jo kitchen ko chahiye le jaye. Main likh loonga, abhi paise nahin dene."

Magar yeh bhi saaf rakhein ke yeh kahan tak chalta hai. Bill paise maangta hai, aur aate ki bori paisa nahin hoti. Haspatal ka counter rashan nahin leta. Saman jawab ka doosra hissa hai, poora jawab kabhi nahin.

Un das minaton mein kya nahin karna

Chaar ghaltiyan, chaaron neki ke iraade se.

Aisi shart na lagayein jise aap ne kabhi nafiz nahin karna. "Do mahine ke andar wapas, pakka." Us din ke baad aap kuch nahin karenge, aur usay bhi pata hai. Aap ne sirf aisi tareekh bana di jis par usay sharmindagi hogi, aur yehi sharmindagi bande ko dukan ke samne se guzarna chhorne par majboor karti hai.

Us lamhe mein us ki koi cheez zamanat ke tor par na lein. Na card, na chain, na kaghaz, na phone. Jo shakhs darr ki halat mein koi cheez haath se deta hai, usay umar bhar yaad rehta hai. Agar raqam itni bari hai ke zamanat chahiye, to kam dein.

Kisi doosre ko na batayein. Na saath wale dukandar ko, na raat ke khane par gharwalon ko. Agar usay pata chal gaya ke aap ne zikr kiya, to paisa bhi gaya aur woh bhi.

Usay kahani do baar na sunwayein. Agar counter par mulazim khara hai, to khud ek taraf le jayein. Bhari dukan mein doosre shakhs ke samne "mere walid ward mein hain" dohrana aisi hatak hai jo aap das qadam chal kar bacha sakte hain.

Wapsi ki baat baad mein hoti hai

Aaj raat nahin. Jo shakhs haspatal ke barambde mein khara hai woh plan nahin bana sakta, aur us se maangna bhi nahin chahiye.

Museebat guzar jane tak baat na chherein. Jab woh dobara purane andaz se rashan lene aane lage, tab, aur tab bhi chhoti si baat.

"Jo ban paye, jab ban paye. Koi jaldi nahin."

Yeh jumla kisi schedule se zyada kaam karta hai. Usay bata deta hai ke raqam mojood hai, aur yeh bhi ke koi us ke peeche danda le kar khara nahin.

Farz karein dukan poore saal ke liye Rs 60,000 alag rakhti hai

Saal ke liye alag rakhi raqamRs 60,000

Saal mein pehle nikal chuki raqamRs 22,000

Jis raat woh maangta hai, us mein bachaRs 38,000

Woh kitna maangta haiRs 50,000

Usi raat diya gaya cashRs 15,000

Ek mahine ka rashan, kharid rate parRs 6,000

Saat mahinon mein thora thora wapas aayaRs 12,000

Alag rakhi raqam par abhi bhi kharaRs 9,000

Yeh sirf ek misal hai, kisi asli dukan ka dawa nahin. Baat yeh hai ke jawab pehle se kiye gaye faisle ne diya, us lamhe ke darr ne nahin.

Muqarrar qist kyun nahin? Us ke liye muqarrar aamdani chahiye, aur jis ghar ne abhi haspatal ka bill diya ho us ke paas woh nahin hoti. Rs 5,000 mahana bandh dein, doosri qist reh jaye, aur jo aahista aahista de deta, woh ab nakaam ho raha hota hai. Paisa maangne ke aam tarike yahan bhi chalte hain, bas aahista.

Is paise par upar se kuch nahin lagta. Der ke hafte hon ya mahine, ek rupya bhi zyada nahin. Jo raqam aap ne di, wohi wapas aati hai.

Jo honi chahiye woh ek likhi hui lakeer hai: tareekh, raqam, aur ek lafz ke woh kis liye thi. Chaudah mahine baad dono mein se kisi ko yaad nahin hoga ke Rs 15,000 the ya Rs 20,000, aur us behes ki qeemat paise se zyada hai. Wasoolo mein khate ki ek entry das second leti hai: tareekh, kitna cash tha, kitna saman tha, aur ek note jo sirf aap parhte hain.

Jab saaf lagne lage ke paisa wapas nahin aana

Kabhi kuch mahinon mein hi saaf ho jata hai. Jo bimar tha woh theek nahin hua, ghar ka kamane wala chala gaya, ya bill itna bara nikla ke aap ki raqam us mein kho gayi.

Faisla kisi ek din karein. Apne aap se keh dein: woh Rs 21,000 gaye. Phir do kaam karein.

Ek baar usay bata dein, phir kabhi nahin. "Us paise ko dil se nikal dein. Woh khatam. Aap pehle ki tarah dukan par aate rahein." Tanhai mein, aur phir sach mein chhor dein.

Doosra, usay wasooli ki list se hata dein taake har mahine samne aana band ho. Wasoolo mein yeh ek entry band karna aur ek note rakhna hai. Jise aap ne muaf kar diya, usay hatana zaroori hai, warna woh muaf hua hi nahin.

Jo aap ke paas rehta hai woh customer hai. Jise izzat ke saath chhora gaya woh bees saal khareedta hai. Jise na de sakne wale paise par tang kiya gaya, woh aap ki gali se guzarna chhor deta hai.

Isi sawal ki do mushkil shaklein

Us par pehle hi paisa hai. Pehla khayal yehi aata hai ke masla dugna ho jayega. Dono ko alag rakhein: purana baqaya aadat ka mamla hai, yeh haadse ka. Purane baqaye ko usi mein ginein jo aap de chuke hain, aur ab cash us se kam dein jitna warna dete. Us lamhe ko purana paisa maangne ke liye istemal na karein, aur nayi raqam ko chupke se purani lakeer mein na milayein. Do entry, dono par tareekh.

Aap usay theek se jante bhi nahin. Agli gali ka koi shakhs jis ka chehra aap pehchante hain. Yahan chhota aur tez hone ki ijazat hai. Usi alag rakhi raqam mein se nishani ke tor par kuch de dein, pandrah saal purane customer se paanchwa hissa, aur koi ummeed na rakhein. Rs 2,000 de kar bhool jane ka kharcha kam hai aur yaad bohat arsa rehta hai. Jis chehre ko aap theek se jante hi nahin, usay bari raqam dena sakhawat nahin, woh cheez hai jis par doosre mahine aap khud kudhenge.

Jo aadatein rishtedaron aur doston ke udhaar ko dukan torne se rokti hain, wohi yahan bhi kaam aati hain.

Aam sawalat

Saal mein kitni raqam alag rakhni chahiye?

Itni jise poori tarah kho kar bhi aap supplier ko waqt par paisa de sakein. Bohat si chhoti dukanon ke liye yeh poore saal ke liye Rs 30,000 se Rs 60,000 ke darmiyan hoti hai. Number ki asal ahmiyat isi baat mein hai ke woh kisi ke maangne se pehle tay ho gaya.

Us ne Rs 50,000 mange aur main Rs 10,000 de sakta hoon. Kya usay bura lagega?

Taqreeban kabhi nahin, agar aap jaldi kahein aur raqam pehle bolein. Woh kai logon se poochh raha hai aur har ek se ek hissa hi chahta hai. Bura us lambi khamoshi se lagta hai, ya "kyun" wale sawal se, ya "dekhte hain" se.

Aise waqt mein likhna theek hai ya bura lagta hai?

Likhein, magar usi raat baad mein, us ke samne counter par nahin. Woh record chaudah mahine baad aap dono ke kaam aata hai, jab yaddasht dhundhli ho chuki hoti hai.

Kya is raqam par zamin maangna theek hai?

Us se behtar hai ke kam de dein. Us lamhe mein zamin maangna shak lagta hai, aur shak wohi cheez hai jo log apne sab se bure hafte se yaad rakhte hain. Agar raqam sirf zamin ke saath chal sakti hai, to woh raqam is mauqe ke liye bari hai.

Agar woh dobara kabhi zikr hi na kare to?

Kuch mahine baad ek baar, kisi aam se lamhe mein, chhoti si baat karein: "jo ban paye, koi jaldi nahin." Agar phir bhi kuch na hile, to tay karein ke yeh nuqsan aap qubool karte hain. Teesri baar zikr na karein.

Der ho gayi hai to kya kuch upar se lena chahiye?

Nahin. Upar se kuch nahin lagta, na is par aur na kisi bhi udhaar par. Haspatal ki raqam mein izafa ehsaan ko shikayat bana deta hai, aur phir paisa bhi jata hai aur banda bhi.