Koi aap se apni zamanat mange to kya karein?

Zamanat dene ka matlab sirf ek hai. Agar wo dena band kar de to dukan poora baqi balance aap se maangegi, us subah jo aap ne nahin chuni. Yeh sifarish nahin, koi kagazi rasm bhi nahin. Haan sirf us raqam par kahein jo kal apni jeb se ada kar ke bhi aap ki dukan na hile.

Jab koi aap se yeh sawal karta hai

Naeem jumay ki subah gyara baje aata hai, jab dukan mein sirf ek buzurg chai ki patti le rahe hote hain. Wo aap ka parosi hai. Uske haath mein bazaar wali electronics ki dukan ki muri hui parchi hai, aur wo usay shishe par yun rakhta hai jaise faisla pehle ho chuka ho.

Rs 90,000, baarah mahine. Usay aap se paisa nahin chahiye. Usay aap ka naam aur neeche dastkhat chahiye, kyunke wo dukan dihari par kaam karne wale ko plan tabhi deti hai jab koi dukan wala uske peeche khara ho.

"Bas naam ki baat hai," wo kehta hai. "Aap to mujhe jante hain."

Wo yeh sach samajh kar keh raha hai, aur poochne wale taqreeban sab yehi samajhte hain. Magar parchi mein zamin ke bare mein jo likha hai wo parhein. Kharidar ruk jaye to zamin baqi balance ada karega. Uska hissa nahin. Saal bhar usay dhoondne ke baad bhi nahin. Poora balance, aur din dukan chunegi.

Aap se yeh isliye poocha ja raha hai ke us gali mein dukan aap ki hai aur naam aap ka chalta hai. Bilkul wohi doosra aadmi jise aap khud koi bari cheez dene se pehle dhoondte hain, jaisa zamin kab lena chahiye mein khola gaya hai. Dukan Naeem par shak nahin kar rahi. Wo dekh rahi hai ke aap dono mein se de kaun sakta hai.

Plan tootne par number kis par girta hai

Bura waqt aaye to nuqsan aadha aadha nahin bantata.

Farz karein plan Rs 90,000 ka hai, baarah mahine ka

Plan par cheez ki qeematRs 90,000

Wo khud jo advance deta haiRs 18,000

Plan par baqi, 12 mahine meinRs 72,000

Ek mahine ki adaigiRs 6,000

Mahina 1 se 4: waqt par deta haiRs 24,000

Mahina 5: adaigi ruk jati haiRs 0

Ab dukan zamin se kitna maangti haiRs 48,000

Usne Rs 18,000 khud diye aur chaar mahine Rs 6,000 wale bhare. Phir kaam thanda para, ya ghar mein kisi ka kharcha nikal aaya. Paanchwe mahine kuch nahin aata, aur chhathe mahine bhi kuch nahin.

Cheez uske ghar mein paanch mahine chal chuki hai. Aur dukan aap ko jo number sunati hai wo Rs 48,000 hai, jo paanch mahinon ka nahin balke un saaton mahinon ka hai jo baqi rahe.

Poora faisla isi ek sawal par hai. Jawab dene se pehle apne aap se poochein: agar wo dukan kal subah call kar ke Rs 48,000 maang le to kya aap ke pass honge, aur kya aap ki dukan agli dafa maal waqt par utha legi? Agar sacha jawab nahin hai, to Naeem ko bhi jawab nahin hai.

Haan kehne se pehle paanch jawab

Jis din poocha jaye us din kuch na kahein. "Do din dein, parchi parh loon" ek mukammal jumla hai, aur jo aadmi do din intezar na kar sake wo apne bare mein kaafi kuch bata deta hai.

Haan kehne se pehle paanch jawab hasil karein

1. 1Kagaz par total kitna hai?Poore plan ki qeemat, wo nahin jo shishe par likhi hai.
2. 2Kitne mahinon mein?Lamba plan matlab aap ke counter se bandhi lambi rassi.
3. 3Har mahine kitna dena hai?Ek number, ek tareekh. Koi saaf na bata sake to yahin ruk jayein.
4. 4Uski mahine ki kamai kitni hai?Us se poochein, aur yeh bhi ke us kamai se aur kya kya nikal raha hai.
5. 5Dukandar se: wo ruk jaye to mera kya banega?Aap mujhe kitni jaldi call karenge, kitna maangenge, aur pehli chhooti adaigi par bata denge?

Chaar sawal usi se hain. Phir yeh bhi poochein ke us kamai mein se aur kya kya nikal raha hai: kamre ka kiraya, koi purana plan, behan ki fees. Jo aadmi Rs 45,000 kamata ho aur us par Rs 6,000 yahan ke sath Rs 9,000 kahin aur ke hon, wo us jaisa nahin jis par sirf yehi plan hai.

Paanchwan sawal dukandar se hai, aur yehi wo hai jo koi nahin poochta. Khud us dukan tak jayein aur wahin khare hon jahan kharidar khare hote hain. Teen baatein poochein. Zamin ko aap kitni jaldi call karte hain. Call kar ke kitna maangte hain. Aur pehli chhooti hui adaigi par bata denge ya teen ke baad?

In jawabon se aap ka khatra Naeem ki har baat se zyada badalta hai. Jo dukan Rs 12,000 baqi rehne par call kar leti hai wo us se bilkul alag hai jo Rs 48,000 par call karti hai. Jo pehli chhooti adaigi par ittila de de, wo aap ko chhota masla ek baat cheet mein hal karne deti hai, aur yeh farq counter ke peeche se qist waqt par na mile to mein khula hai.

Parchi bhi parhein. Agar cheez ka rate usi bazaar ke cash rate se bohat upar hai, to aap us number ke peeche khare ho rahe hain jo shuru se hi insaf wala nahin tha, aur yehi cheez qist plan kaise banayein rokta hai.

Teen soorat jahan jawab hamesha na hai

Kuch sawalon ke liye do din sochne ki bhi zaroorat nahin hoti.

✓Sochne ki gunjaish tab hai jab

• Poora balance kal apni jeb se ada kar sakein
• Aap ne usay saalon se paisa sambhalte dekha ho, mahinon se nahin
• Aap ne plan khud parha ho aur wo uski kamai mein bethta ho
• Koi jaldi na macha raha ho aur aap do din baad jawab de sakein

✕Jawab hamesha na hai jab

• Raqam itni bari ho ke doob jaye to aap bardasht na kar sakein
• Uske paise ke maamlaat ek baar pehle bigarte dekh chuke hon
• Baat dabao aur aaj hi ki tareekh ke sath aaye
• Jis kagaz par dastkhat hain uski copy koi na de raha ho

Pehli baat raqam ki hai. Agar baqi balance itna hai ke ada karne se aap ki dukan ka chalna badal jaye, to saamne wala kitna hi acha kyun na ho, faisla wahin khatam. Aap us par shak nahin kar rahe, aap apni chadar naap rahe hain. Ache logon ka bhi kaam chala jata hai. Sawal sirf itna hai ke unka bura mahina aap ka bura saal to nahin ban jayega.

Doosri baat guzra hua record hai. Agar aap is aadmi ke paise ke maamlaat ek baar bigarte dekh chuke hain, to yeh gali ki baat nahin, yeh saboot hai, aur is se behtar saboot aap ko kabhi nahin milega. Jis rishtedar ne Rs 20,000 do saal mein tukron mein lautaye, wo bata raha hai ke baarah muqarrar tareekhon ka kya banega. Usool wohi hai jo rishtedaron ko udhaar dena mein hai: jo record aap ne khud dekha uspar faisla karein, rishte par nahin.

Teesri baat dabao hai. "Dukan paanch baje band ho jayegi." "Ab dastkhat kar dein, baad mein samjha doonga." Jaldi is liye machayi jati hai ke aap parh na sakein. Jis plan ke peeche khara hona theek hai wo do din baad bhi wahin hoga.

Na kaise kahein ke rishta bhi qayam rahe

Ghalti yeh hoti hai ke aadmi ko na kaha jata hai. Aadmi ko nahin, kaam ko na kahein, aur usay apna purana usool bana kar pesh karein.

Ek line mein kahein, aur us par kuch na sajayein. "Main kisi ki zamanat nahin deta. Na apne bhai ki, na parosi ki. Yeh usool maine apni dukan ke liye banaya tha aur aaj tak kisi ke liye nahin torha." Usool se bahes nahin ho sakti, jabke raaye se ho jati hai, aur usool yeh bhi nahin kehta ke aap usay nakaam samajhte hain. Phir chup ho jayein. Ek "dekhte hain" usay hafte ke aakhir mein uske walid ke sath wapas le aata hai.

Iske baad do mein se ek asli cheez pesh karein, kyunke khali na, jiske peeche kuch na ho, wohi biradari ki kahani ban jati hai.

Pehli cheez chhoti raqam hai, apni jeb se, cash mein. Kisi doosre ke kagaz par Rs 48,000 nahin. Apne Rs 10,000 jo doob bhi jayein to aap sanbhal lein, aur wo bhi tareekh ke sath apne khata mein likh kar.

Doosri cheez paise ke bagair gawahi hai. Uske sath khud us dukan tak chale jayein. Wahan kahein ke aap Naeem ko pandrah saal se jante hain aur usne har saal mehnat ki hai. Phir doosra hissa dono ke samne buland awaz mein kahein: "Main aadmi ke bare mein bata raha hoon. Main paise ke peeche khara nahin ho raha." Bohat si dukanein isi par bara advance le kar plan bana deti hain.

Agar haan kehni hi hai to baar laga dein

Kabhi kabhi aap haan kahenge, aur is mein koi burai nahin. Bhai jo apna workshop khara kar raha ho. Wo mulazim jo chhe saal se aap ke sath hai aur usay sawari chahiye.

Haan kehne wale din jo baar aap khud lagate hain

• Kagaz par hadd likhi ho, hindson mein bhi aur alfaz mein bhi
• Us hadd par dono dastkhat karein aur ek copy aap rakhein
• Plan ki copy: cheez, total, mahine, mahana raqam, aakhri tareekh
• Plan par aap ka number aur yeh line ke pehli chhooti adaigi par ittila di jaye
• Yeh raqam apne record mein aisi likhein jo kal aap ke zimme aa sakti hai
• Aik waqt mein ek zamanat, do aadmiyon ki kabhi nahin
• Pehle teen mahine har adaigi ki tareekh par apne liye yaad dahani

Sab se ahem hadd hai. Plan par hindson mein aur alfaz mein likhwayein ke aap ki zamanat Rs 30,000 tak mehdood hai, aur dukandar se apne naam ke sath dastkhat karwayein. Hadd khuli hui zimmedari ko jani pehchani zimmedari bana deti hai. Agar wo likhne se inkar karein to aap ko pata chal gaya ke unka irada aap ke dastkhat ke sath kya tha.

Phir poore plan ki copy ghar le kar jayein: cheez, total, mahine, har mahine ki raqam, aur aakhri tareekh. Us par apna number aur ek line likhwa dein ke pehli chhooti adaigi par ittila di jaye.

Aakhir mein yeh number apne record mein likhein. Kharche ke taur par nahin, aur us udhaar ke taur par bhi nahin jo aap ko milna hai, balke us paise ke taur par jo kal aap ke zimme aa sakta hai. Jis dukandar ko maloom ho ke Rs 30,000 kisi aur ke plan ke peeche khare hain wo mande mahine mein maal alag tarah se uthata hai, jaisa dukan aur ghar ka hisab alag mein hai.

Bura waqt aa jaye to pehle ada karein, bahes baad mein

Call mangal ki subah nau baje aati hai, jab aap shutter hi utha rahe hote hain. Teen adaigi chhoot chuki hain. Dukan Rs 30,000 maangti hai, wohi hadd jo aap ne likhwai thi, aur phone par baat karne wala utna hi narmi se bolta hai jitni narmi aap ke dastkhat rakhne wale bolte hain.

Ada kar dein. Bahes sirf tab karein jab kagaz mein ghalti ho, aur tab bhi kagaz par karein, Naeem par nahin. Jitne hafte aap yeh samjhate rahenge ke unhein usi ke peeche jana chahiye, utne hafte wo aap ko customers ke samne counter par call karte rahenge, aur jis dukandar ka naam apni hi gali mein poocha jane lage uska nuqsan Rs 30,000 se bara hai. Foran ada karna shor ko ek hi subah mein khatam kar deta hai aur maamla us page par le aata hai jahan raftar aap tay karte hain.

To wo page khol lein. Jis din ada karein usi din uske naam par Rs 30,000 likhein, sath yeh note ke kis cheez ka tha. Kisi ki taraf se diya paisa bhi aap ka lena hai, aur usay wahan hona chahiye jahan dono dekh saken, zehen mein nahin jahan wo shikayat ban jata hai. Biradari mein iska elaan na karein. Naeem ko ek baar, tanhai mein batayein, aisi raqam ke sath jo wo sanbhal sake: har mahine ki pehli tareekh ko Rs 2,500, baarah baar.

Yahan khata app thora sa aur der se kaam aati hai. Wasoolo mein aap uske naam ka khata khol kar theek utni raqam likh dete hain jitni ada ki, taake balance tareekhon ke sath page par rahe, bahes ke andar nahin. Aur jab aap apne customer ka qist plan banate hain to us par zamin ka naam likha jata hai; ab aap wo khana alag soch kar bharenge. Naeem ke lene par yaad dahani halki rehti hai: uske apne customer app wale login par push, aur ek button jo WhatsApp ki chat khol deta hai jise parh kar aap khud bhejte hain. Baqi faisla bari cheez udhaar ya qist mein hai.

Aam sawalat

Wo mera sagga bhai hai. Likhi hui hadd maangna beizzati to nahin?

Hadd bharose ki nahin, raqam ki baat hai. Usay saaf kahein: "Main Rs 30,000 ke liye dastkhat kar raha hoon, kyunke bura waqt aaye to itna hi de sakunga." Bhaiyon mein jhagra achanak aane wale numberon par hota hai, likhi hui hadd par nahin.

Baad mein irada badal jaye to kya naam katwaya ja sakta hai?

Aksar akele aap se nahin katta, isi liye dastkhat se pehle poochna hai. Kya aadha plan bharne par zamanat khatam ho jati hai? Kya kisi aur ko di ja sakti hai? Jawab usi kagaz par likhwa lein.

Wo zamanat bhi chahta hai aur advance ke paise bhi. Ab kya karoon?

Do mein se ek, dono kabhi nahin, aur chhoti wali mehfooz hai. Advance ke Rs 18,000 apni jeb se de dein to nuqsan wahin ruk jata hai. Dastkhat bhi kar diye to paisa bhi gaya aur baqi balance ka wada bhi.

Dukandar kehta hai bas dastkhat hai, kuch nahin hoga. Bharosa kar loon?

Agar kuch hona hi nahin tha to dastkhat maange hi kyun jate. Jawab bahes se nahin, farmaish se dein: "To kagaz par likh dein ke meri zimmedari Rs 30,000 tak hai." Jo dukan apni baat par qayam hai wo likh degi.

Wo ruk gaya, maine ada kar diya, ab wo mujh se katta hai. Paisa kaise wapas aaye?

Ahista, page par, us se chhoti se chhoti raqam le kar jo wo waqai de sake. Ek muqarrar number, ek muqarrar tareekh, poori raqam nahin. Usay cash par saman dete rahein, kyunke jo aadmi samna kar sakta hai wohi dena jari rakhta hai.

Wo har mahine der se deta hai magar deta rehta hai. Mera number barhta rahega?

Aap se jitna maanga ja sakta hai wo sirf plan ka baqi balance hai, aur wo har adaigi ke sath ghatta hai, chahe der se aaye. Der ka asal nuqsan waqt ka hai, isi liye pehli chhooti adaigi par ittila lene wali line sab se ahem hai.