Kamane wali cheez par qist plan kaise banayein

Zyada tar qist plan un cheezon par bante hain jo sirf paisa kharch karwati hain. Silai machine un mein se nahin. Jo cheez khud kamayegi, us ki qist ghar ke kharche se nahin, us ki apni kamai se nikalein, aur plan pehla kaam milne ke baad shuru karein. Yehi ek tabdeeli sab se zyada plan bachati hai.

Do tarah ki qist wali cheezein

Dekhein dukan se qist par aam tor par kya nikalta hai. Fridge. Television. Palang. Achi cheezein, magar har ek sirf ghar se paisa bahar le jati hai.

Ab doosri fehrist dekhein. Silai machine. Rehri. Delivery wali motorcycle. Chai ke khokhe ka freezer. College ke gate ke paas photocopier. Pankhe lagane wale ke auzaron ka box. In mein se har cheez isi liye khareedi jati hai ke woh paisa wapas le kar aaye.

Sirf isi ek baat se plan banane ka tarika badal jana chahiye. Zyada tar dukanon par kuch nahin badalta.

Theek banaya jaye to yeh aap ke khate ka sab se mehfooz plan hai. Cheez apni qist khud ada karti hai. Aap kisi aisi tankhwah se paisa nahin kheench rahe jo pehle hi bant chuki hai, balke jo machine ne khud kamaya hai us ka ek tukra le rahe hain.

Ghalat banaya jaye to yeh aam plan se bhi bura hai. Machine tabhi kamati hai jab chalti hai, aur tabhi jab woh use chalata hai. Jo fridge koi nahin kholta, ghar phir bhi khana khata hai. Magar khari hui silai machine aap ka paisa apne sath le doobti hai, kyunki wohi us paise ki wajah thi. Pehle yeh tay karein ke is sauday par plan banta bhi hai ya nahin. Bari cheez par udhaar ya qist yeh sawal hal kar deta hai.

Subah paune das baje, Ashfaq ki hardware ki dukan par Nasir khara hai, haath rehri ke handle par jama hua. Chaar saal se woh doosron ki rehri par phal bech raha hai aur ab apni chahta hai. Ashfaq wohi karta hai jo zyada tar dukandar karte hain: poochta hai ke mahine ka kitna de sakte ho. Nasir kehta hai Rs 5,000, kyunki jab cheez shiddat se chahiye ho to banda yehi kehta hai. Dono woh sawal nahin karte jo zaroori hai. Yeh rehri khud kitna kama kar degi?

Qist cheez ki apni kamai se nikalein

Teen number, isi tarteeb mein.

Pehla: aam hafte mein kitna aata hai. Us ka behtareen hafta nahin. Woh hafta bhi nahin jab poori gali mein shadi thi.

Doosra: us mein se seedha kitna wapas nikal jata hai. Dhaga, sooiyan aur bobbin. Motorcycle ka petrol. Freezer ki barf aur bijli. Photocopier ka toner aur kaghaz. Yeh kamai nahin, yeh cheez chalane ka kharcha hai, aur jis ne kabhi woh machine nahin rakhi woh ise har baar bhool jata hai.

Teesra: jo bacha. Yeh cheez ka apna paisa hai, aur qist sirf isi mein se nikal sakti hai.

Ab is ka takreeban ek tihai lein.

Ek tihai sun kar lagta hai ke bohat ehtiyat ho gayi. Ehtiyat hi maqsad hai. Jo plan machine ki bachat ka ek tihai leta hai, woh sust din, bukhar, ghar ki shadi aur teen din ki bijli bandish jheel jata hai. Jo do tihai leta hai woh kaghaz par theek lagta hai aur pehle hi hafte toot jata hai.

Qist ghar ke kharche ko dekh kar kabhi tay na karein. Woh kharcha machine aane se pehle hi bant chuka tha. Us mein se jo bhi wada hoga, kisi aur jagah se aayega, aksar isi sarak ke doosre dukandar ki jeb se.

Kamai ka poochein, magar inspector ban kar nahin

Silai ka rate har darzi bata dega. Apni kamai koi nahin batata. Aap ko dono sawal ek lagte hain. Us ke liye dono bilkul alag hain, is liye pehla wala poochein.

Kaam ki baat karein, kaam hi ke lafzon mein:

"Ek qameez ki silai ka kitna milta hai?"

"Aam hafte mein kitne kapre aa jate hain?"

"Us par dhaga aur bijli ka kitna lag jata hai?"

Phir number us ke saamne dohra dein, us dukandar ki tarah jo hisab laga raha ho, us aadmi ki tarah nahin jo tafteesh kar raha ho:

"Yani aam hafte mein takreeban Rs 3,000 aate hain aur Rs 600 wapas nikal jate hain. Aap ke paas Rs 2,400 bachte hain. Theek samjha main ne?"

Woh aap ko theek karega. Yehi maqsad tha. Us ki tasheeh hi din bhar ka sab se sacha number hai, kyunki ab woh aap ka hisab durust kar raha hai, apni jeb ki hifazat nahin.

Cheez ki kamai kaise poochein

✓Kaam ke baare mein poochein

• "Ek qameez ki silai ka kitna milta hai?"
• "Aam hafte mein kitne kapre aa jate hain?"
• "Us par dhaga aur bijli ka kitna kharch hota hai?"
• "Yani takreeban Rs 2,400 bach jate hain. Theek samjha main ne?"
• "Pehle order aane mein kitna waqt lagega?"

✕Uski jeb ke baare mein nahin

• "Aap mahine ka kitna kama lete hain?"
• "Aap ne kitni bachat kar rakhi hai?"
• "Aap Rs 3,000 de bhi sakenge, pakka?"
• "Bazaar mein aur kis kis ke paise dene hain?"
• "Apne bhai ko lain, main usi se pooch leta hoon."

Do sawal chhor dein: mahine ki kamai kitni hai, aur bachat kitni rakhi hai.

Woh hafte jab cheez abhi kuch nahin kamati

Ab woh ghalti jo khamoshi se, baqi tamam ghaltiyon se zyada plan maar deti hai.

Mangal ko khareedi machine jumay ko nahin kamati. Use kaam dhoondna hai. Use yeh machine seekhni hai, kyunki us ke haath doosri machine ke aadi hain. Use logon ko batana hai ke ab woh order leta hai, aur pehle bande ke yaqeen ka intezar karna hai. Zyada tar kaamon mein yeh chaar se chhe hafte hote hain jin mein kuch nahin milta, aur yeh theek us waqt aate hain jab woh sari jama poonji aap ki down payment mein daal chuka hota hai.

Yani aam plan par pehli qist us ke sab se khali din par aa girti hai.

Is ka ilaj aap ko ek rupya bhi nahin parta. Pehli tareekh baqi sab se der se rakhein: chaar ke bajaye chhe hafte baad, aur agar us ka kaam sust chalta hai to aath. Agar tareekhein barabar hi rakhni hain to pehli qist aadhi kar dein aur farq aakhri do mein jor dein. Dono soorton mein kul raqam ek rupya nahin hilti.

Wohi plan, magar pehli tareekh aage sarka kar

1. Pehla dinDown payment, machine ghar rawanaRs 8,400Ada
2. Hafta 1 se 6Machine par haath jamta hai, pehle order milte hainRs 0Khali waqt, jaan boojh kar
3. Chhata haftaPehli qist, aath mein se, 5 tareekh koRs 3,000Baqi
4. Ek mah baadDoosri qist, har baar wohi tareekhRs 3,000Baqi
5. Darmiyan ki paanchTeesri se saatwin qist, na kuch jura na kuch hilaRs 15,000Baqi
6. Aakhri tareekhAathwin qist, plan mukammalRs 3,000Baqi

Shaam saarhe saat baje, college ke saamne Munir ki stationery ki dukan, aur counter par Waqar photocopier ki baat kar raha hai. Munir yeh sabaq mehnga de kar seekha hai. Woh poochta hai ke machine kitne arse mein apna kharcha nikalne lagegi. Waqar kehta hai ke talaba ko pata chalne mein hi ek mah lag jayega. To Munir down payment aaj ki likhta hai aur pehli qist chhe hafte aage, qalam se, dono nuskhon par. Isi ek line ki wajah se Waqar ek saal baad bhi paisa de raha hai. Baqi sab qist plan kaise banayein ke aam usoolon par chalta hai.

Rs 30,000 ki machine par number kaise banenge

Farz karein: Rs 30,000 ki silai machine, kamai par bana plan

Cash price, agar poora aaj de detaRs 30,000

Ek dafa ka markup, 8%, sirf plan banate waqtRs 2,400

Plan wali qeemat, pehle din se aakhri din tak pakkiRs 32,400

Down payment, jis din machine nikli usi dinRs 8,400

Down payment ke baad wasooli baqiRs 24,000

Machine aam mah mein le kar aati haiRs 12,000

Us mah ka dhaga, sooiyan aur bijliRs 2,400

Machine asal mein jo bacha kar deti haiRs 9,600

Aath qistein, us ki ek tihai se bhi kamRs 3,000

Kul raqam, machine nikalne se pehle tay shudaRs 32,400

Yeh sirf ek misal hai, kisi dukan ka asal record nahin. Markup ek hi baar lagta hai, aur der par kuch bhi nahin jurta.

Aakhri line pehle parhein. Rs 32,400 woh kul raqam hai jo woh pehle din se aakhri din tak dega, aur yeh machine ke dukan se nikalne se pehle tay ho gayi thi.

Markup sirf ek dafa lagta hai. Aap cash price dekhte hain, ek baar apna percentage jorte hain, aur number jam jata hai. Yeh aath mah guzarne par nahin barhta, aur kisi tareekh ke aage sarakne par bhi nahin barhta. Yeh ek qeemat hai, koi chalta hua meter nahin.

Doosri baat bhi saaf keh dein, kyunki kamane wali machine par customer kabhi kabhi is ki tawaqqo rakhta hai. Qeemat shuru mein tay hai, machine chahe jitna kamaye. Shandaar waqt aaye to aap zyada nahin maangte, bura waqt aaye to number ghatta bhi nahin. Us ki kamai mein se hissa lena alag karobar hai, aur yeh woh nahin.

Ab qist ko kamai ke saamne rakh kar dekhein. Dhaga aur bijli nikalne ke baad machine us ke paas mah ka takreeban Rs 9,600 chhorti hai. Us mein se Rs 3,000 aap ke hain, yani ek tihai se bhi kam. Us ke paas Rs 6,600 rehte hain aur aap ka hisab bhi poora ho jata hai. Aisa plan banda tang waqt mein bhi bachata hai. Agar aap ka apna paisa tang hai aur cheez mangwani parti hai to khud ko kheenchne ke bajaye bari cheez par advance lein.

Cheez khud zamanat hai, magar sirf kuch arse tak

Is soday mein ek tasalli zaroor hai. Sab bigar bhi jaye to machine mojood rahegi aur kisi ke liye us ki qeemat hogi. Yeh tasalli sachi hai, aur is ki umar chhoti hai.

Jo silai machine baarah mah roz aath ghante chali, woh ab woh machine nahin jo aap ne bechi thi. Saal bhar bojh dhone wali motorcycle pehli subah ke muqable mein bohat kam ki reh jati hai. Aur jo freezer sau bar bijli jane par band hua ho, woh shayad jagah badalne mein hi jawab de jaye.

Is liye plan isi girawat ko saamne rakh kar banayein. Har mor par us ke zimme baqi raqam us qeemat se kam honi chahiye jo istemal shuda cheez aap ki apni sarak par de sakti hai. Yehi cheez plan ko bina kisi dhamki ke seedha rakhti hai: chhor kar jane ka nuqsan hamesha ada karne se bara rehta hai.

Isi se yeh bhi pata chalta hai ke kahan ruk jana hai. Agar woh raqam itni pheelane ko kahe ke daswein mah bhi Rs 18,000 baqi hon aur machine ki qeemat Rs 12,000 reh gayi ho, to plan ab dhaka hua nahin raha. Ise chhota karein, down payment barhayein, ya kisi ko peeche khara karwayein. Faisle se pehle zamin kab lena chahiye parh lein.

Aur yeh bhi yaad rakhein ke cheez wapas uthane se asal mein hota kya hai. Us ki kamai khatam ho jati hai, aur isi kamai se aap ka baqi paisa aana tha. Yeh aakhri darwaza hai, doosra nahin.

Chaar khatre jo sirf isi plan ke sath aate hain

Aam qist plan mein ek hi khatra hota hai: us ki aamdani ruk jaye. Is plan mein chaar hain, aur har ek ka sawal aap tab pooch sakte hain jab machine abhi aap ke farsh par khari hai.

Us ki sehat. Us ke haath aadhi machine hain. Poochein ke do hafte woh bemar par jaye to ghar mein aur kaun machine chala sakta hai.

Us ke kaam ka mausam. Darzi shadiyon se pehle sar utha kar nahin dekhta aur baad ke hafton mein khali baitha hota hai. Freezer garmi mein kamata hai aur sardi mein so jata hai. Poochein ke sust mah kaun se hain, aur chhoti qistein wahin rakhein.

Ek bara customer. Agar us ka zyada tar kaam ek hi dukan se aata hai to yeh plan asal mein usi dukan ka plan hai. Poochein ke kitni jagahon se kaam milta hai. Teen naam ek karobar hai. Ek naam karobar ke bhes mein khatra hai.

Cheez ka kharab hona. Poochein ke marammat kaun karta hai, kitni door baithta hai, aur ek marammat par kitna lagta hai. Jawab na mile to ek din woh kharab machine le kar aayega, qist ke bagair, aur behes do cheezon par ek sath hogi.

Cheez dukan se nikalne se pehle chhe sawal

• Do hafte woh bemar ho jaye to machine kaun chalayega?
• Uske kaam mein sust mahine kaun se hain, aur bharay hue kaun se?
• Use kitni jagahon se kaam milta hai? Ek hi naam khatra hai.
• Marammat kaun karta hai, kitni door, aur kharcha kitna aata hai?
• Pehla kaam kab tak milega? Uske jawab mein do hafte aur jorein.
• Chhathe mah mein baqi raqam istemal shuda cheez ki qeemat se kam hai?

In chaar mein se koi bhi ho, jawab ek hi hai. Tareekh badlein, qeemat nahin. Qist aage sarkayein, nayi tareekh dono nuskhon par likhein, aur der ke naam par kuch na jorein. Qist waqt par na mile to is baat cheet ko poora khol kar samjhata hai.

Machine dukan se nikalne se pehle likh lein

Cheez darwaze se bahar jane se pehle likh lein: cheez ka naam aur us ka serial ya engine number, cash price, ek dafa ka markup rupay mein, down payment, har qist ki raqam, aur har tareekh, sab se pehli woh jo jaan boojh kar baqi se der se rakhi gayi hai. Do nuskhe: ek aap ke paas, ek machine ke sath ghar.

Us pehli tareekh ki wajah bhi paanch lafzon mein likh dein. "Pehli tareekh der se, machine nayi." Chhe mah baad yehi aadhi line faisla karti hai ke plan dono ko ek jaisa yaad hai ya phir aisi behes hai jo koi nahin jeet sakta. Yeh sab do yaadon ke bharose rahe to is ki koi qeemat nahin.

Yeh hissa kaghaz ke register se behtar ek phone karta hai. Wasoolo mein qist plan apni tareekhein aur apni raqmein khud rakhta hai, is liye pehli tareekh chhe hafte aage ho sakti hai jabke baqi barabar chalti rahein. Har qist milte hi ada ya baqi lag jati hai, aur jab bhi woh poora hisab dekhna chahe aap use apni dukan ke naam wala chhapa hua statement pakra sakte hain.

Phir jaise jaise tareekh qareeb aati hai, Wasoolo aap ko woh fehrist dikha deta hai ke kis kis ke paas jana hai, taake kamane wali cheez ki wasooli ek chhoti si subah ki gasht bane, yaadasht ka imtihan nahin.

Bechne se pehle kaise pata karein ke cheez waqai kitna kamayegi?

Kaam ka poochein, us ki jeb ka kabhi nahin. Ek kaam ka kitna milta hai, aam hafte mein kitne aate hain, maal par kitna lagta hai. Phir kul number us ke saamne dohrayein aur usay theek karne dein. Wohi tasheeh asal number hai.

Agar woh kuch bhi batane se inkar kar de to?

Phir plan aise banayein jaise cheez kuch kamati hi nahin: bari down payment aur chhoti muddat. Jo banda us kaam par baat nahin karna chahta jis ke liye machine le raha hai, woh khud ek baat bata chuka hai.

Kya qist us ki kamai ka hissa ho sakti hai?

Nahin. Poori qeemat plan wale din tay karein aur wohin rehne dein. Kisi ki kamai mein hissa dari alag karobar hai, aur us ke sath aane wali behes bhi alag hai.

Pehli tareekh kitni der se rakhni chahiye?

Cheez nikalne ke chaar se chhe hafte baad zyada tar kaamon ke liye theek rehta hai. Us se poochein ke pehla kaam kab tak aayega, phir us ke jawab mein do hafte aur jor dein.

Kya yahan down payment aam plan se zyada ahem hai?

Wajah alag hai. Yeh baqi raqam ko istemal shuda cheez ki qeemat se neeche rakhti hai, aur yehi farq aap ki asal zamanat hai. Sakht istemal se qeemat tezi se girti hai.

Plan ke darmiyan machine kharab ho jaye to kya karein?

Tareekh hilayein, qeemat nahin. Pata karein marammat mein kitna waqt lagega, us qist ko us ke baad rakhein, aur nayi tareekh dono nuskhon par likh dein.