Ek waqt mein kitne qist plan chalane chahiyein

Har chalte qist plan par jitna balance abhi aana hai, wo sab jama karein. Wohi ek number aap ke apne kaam ke paison ka hissa hai jo doosron ke gharon mein para hai. Aap ki had wahan hai jahan aur dena aap ka maal kharidna rok de. Yeh number apne kharch se khud nikalein.

Wo sauda jo haath se nikal gaya

Mangal ki subah hai aur supplier ka aadmi darwaze par khara hai. Chalees packet biscuit ka carton Rs 1,750 ke bajaye Rs 1,420 mein. Cash aaj, maal kal, aur wahan se wo agli gali ja raha hai.

Rs 56,800 mein wo maal aa jata jo aam dinon mein Rs 70,000 ka parta. Saaf Rs 13,200 ka faida, samne rakha hua.

Phir aap galla kholte hain. Rs 21,000 pare hain, aur un mein se Rs 14,000 bijli ke bill aur jumeraat ke kiraye ke hain. Aap kehte hain "phone karta hoon", aur dono jante hain ke nahin karenge.

Chubhta yeh hai ke aap ki bahi kabhi itni achi nahin lagi. Customers par Rs 335,000 nikalte hain. Kaghaz par aap pehle se zyada mazboot hain, aur ek aisay saude ke liye Rs 56,800 jama nahin kar sakte jo do hafton mein apni qeemat nikal deta.

Kisi ne aap ke sath dagha nahin ki. Paisa gyarah qist plans mein bata hua hai, Rs 1,500 aur Rs 2,000 ke tukron mein wapas aa raha hai. Sara aayega. Bas mangal ki dopehar tak nahin aayega.

Wo number jo koi nahin nikalta

Har dukandar apne plan alag alag jaanta hai. Rashid ki motorcycle par aath qisten baqi hain. Darzi ki machine par chaar. Magar unhein jama koi nahin karta, aur qist ke karobar mein sab se kaam ka number wohi jama hai. Wo theek wo raqam batata hai jo aap ke apne paison mein se nikal kar bahar pari hai.

Paanch minute lagte hain. Har chalta plan likhein, har ek ke samne sirf bacha hua balance likhein, asal qeemat nahin, aur column jama kar lein.

Farz karein aap itwar ki subah apna kaam ka paisa ginte hain

Shelf par para maal, jitne ka aap ne khareedaRs 260,000

Galle aur account mein maujood cashRs 54,000

Saada udhaar khate jo abhi khule hainRs 71,000

Gyarah chalte qist plan, jo balance abhi aana haiRs 264,000

Aap ka poora kaam ka paisaRs 649,000

Qist plans ke andar phansa huaRs 649,000 mein se Rs 264,000

Ab is ke sath do aur number rakhein. Shelf ka maal us bhao par ginein jis par aap ne khareeda tha, apne bechne ke rate par nahin. Galle aur account ka cash ginein. Yeh teeno mil kar aap ka kaam ka paisa hain, aur plan wala column batata hai ke us mein se kitna aap ki pohanch se bahar hai.

Yeh total register ke andar wale panne par tareekh ke sath likh lein. Mahina guzarne par ek aur uske neeche likhein.

Yeh paisa aur kis kis ke sath baant-ta hai

Phansa hua paisa bura nahin hai. Qist plan hi wo tareeqa hai jis se chhoti dukan Rs 30,000 ki cheez us shakhs ko bech leti hai jo Rs 30,000 ek sath kabhi na de pata, aur plan banate waqt aap ne jo ek dafa ka munafa rakha wo asli kamai hai. Masla yeh hai ke plan usi jeb par teen aur haqdaron ke sath khare hote hain, aur plan hamesha sab se ooncha bolte hain, kyunke unke sath ek customer samne khara hota hai.

Pehla haqdar maal ki dobara kharidari hai. Mahine mein Rs 200,000 ka maal bikta hai aur uski lagat teen chauthai hai, to Rs 150,000 har mahine haath se nikalne hain, sirf shelf ko utna hi bhara rakhne ke liye.

Doosra aap ka pakka kharch hai. Kiraya, bijli, mulazim ki tankhwah, kirayadari, chhoti maramat. Yeh number kaam acha ho ya mandha, hilta nahin. Agar aap ne isay kabhi alag nahin kiya to dukan ka kharcha nikalne wali bikri se shuru karein.

Teesra ek gaddi hai, aur isay sab chhor dete hain. Wasooli barabar nahin hoti. Ek hi hafte mein chaar customer haath khali nikal aate hain, mausam bazaar suna kar deta hai, supplier apna purana balance maang leta hai. Jis dukan ke pas gaddi nahin, uske do sust hafte museebat ban jate hain.

Aap ki had wohi hai jo in teeno ko imandari se poora karne ke baad bachta hai. Bas yehi poora hisab hai, aur yeh koi doosra aap ko de nahin sakta, kyunke aap ka kiraya, aap ki kharidari aur aap ki wasooli samne wali dukan jaisi nahin.

Behtar paimana: har mahine kitna wapas aata hai

Phansa hua total shuruaat hai, akela wo kunda hai. Do dukanon ke pas Rs 200,000 plans mein ho sakte hain aur dono ka haal bilkul mukhtalif ho.

Farz karein ek dukan ke aath plan hain, har ek Rs 3,000 mahwar deta hai. Yeh har mahine Rs 24,000 galle mein aate hain. Doosri dukan ke bees chhote plan hain, har ek Rs 800 ka. Kaghaz par wohi Rs 200,000, magar wapas sirf Rs 16,000 mahwar, aur wo bhi bees logon mein bata hua jin mein se har koi haath khali ho sakta hai.

To asal paimana do mahwar numberon ka muqabla hai, do totalon ka nahin. Aam mahine mein plans se kitna wapas aata hai, aur usi mahine maal aur pakke kharch par kitna dena parta hai. Rs 170,000 ke kharch ke samne Rs 24,000 wapas aana asal wazan rakhta hai. Usi kharch ke samne Rs 6,000 aana ek boond boond hai, aur aap usay baqi sab mein se pal rahe hote hain.

Mahwar aamdani bhi isi tarah nikalein. Har plan likhein, sirf uski mahwar qist likhein, column jama karein. Ab do number aap ki poori qist bahi bayan kar dete hain: kitna phansa hai aur kitna wapas aata hai.

Is number mein ek tanbeeh bhi hai. Agar wasooli dhili hai to yeh number wada hai, haqeeqat nahin, isi liye qist waqt par na mile to wali aadatein bahi barhne ke sath aur zyada ahem ho jati hain.

Plan ki lambai hi asal chabi hai

Cheez ki qeemat tay nahin karti ke aap kitne plan utha sakte hain. Plan ki lambai karti hai.

Farz karein ek customer Rs 24,000 ka fridge leta hai. Barah mahine par Rs 4,000 advance ke sath, Rs 20,000 aap ke kaam ke paison se nikalte hain aur taqreeban Rs 1,667 mahwar wapas aate hain. Chaar mahine baad bhi aap ke Rs 13,332 uske kitchen mein khare hain.

Wohi fridge chhe mahine par Rs 6,000 advance ke sath dein to shakal badal jati hai. Rs 18,000 nikalte hain aur Rs 3,000 mahwar wapas aate hain. Chaar mahine baad sirf Rs 6,000 bahar rehte hain. Wohi cheez, wohi dukan, aur theek us moqe par aadhe se bhi kam paisa phansa hua.

Farz karein wohi dukan apne plan barah mahine se chhe mahine par le aati hai

Rs 24,000 ka fridge, barah mahine, Rs 4,000 advanceHar mahine Rs 1,667 wapas aate hain

Wohi fridge, chhe mahine, Rs 6,000 advanceHar mahine Rs 3,000 wapas aate hain

Chaar mahine baad phansa hua, barah mahine wale plan meinRs 13,332

Chaar mahine baad phansa hua, chhe mahine wale plan meinRs 6,000

Wohi Rs 264,000 ki had, kitne customer serve hongeChhe mahine par taqreeban dugne

Lamba plan customer ko naram lagta hai aur asani se bikta hai, isi liye dukandar udhar jhuk jate hain. Yeh koi nahin kehta ke wo aap ka paisa dugne arse tak rok leta hai. Chhe mahine wale do customer utna hi paisa istemal karte hain jitna barah mahine wala ek, aur aap dono se kamate hain.

Advance doosre sire se wohi kaam karta hai. Wo hissa aap ke haath se nikalta hi nahin. Das plans par Rs 4,000 ka advance Rs 6,000 kar dein to Rs 20,000 galle mein reh jate hain, yani us mangal wale saude ka bara hissa. Maangne ka tareeqa bari cheez par advance kaise lein mein hai, aur wohi alfaz qist plan par bhi chalte hain.

Advance aur lambai, yeh do chabiyan waqai aap ke haath mein hain. Customer aksar mahwar qist par baat karta hai aur usay farq nahin parta ke aap kaun si chabi ghumate hain.

Jagah banayein, magar kisi ko lauta kar nahin

Had maloom ho jaye to sawal yeh nahin rehta ke plan dein ya na dein. Sawal yeh hota hai ke agle achay customer ke liye jagah kaise khali rakhein.

Purane plan pehle band karein. Har bahi mein do teen plan aisay hote hain jo mahinon se khatam hone ke qareeb hain, un par Rs 2,500 bache hote hain. Poora hafta unhi par lagayein. Band hone wala plan apni jagah khali kar deta hai, aur jo customer plan poora karta hai wohi doosra shuru karne ka sab se zyada imkan rakhta hai.

Shuru hone ki tareekhein bikher dein. Ek achay pandrah din mein chaar plan bana lein to chaaron sath hi khatam honge, aur beech mein lamba arsa aisa aayega jab phansa hua total bhari hoga aur jagah bilkul nahin hogi. Har mahine ek plan khatam hona chahiye, na ke saal mein do dafa chaar chaar.

Had ke qareeb pohanchein to inkar ke bajaye bara advance maangein. Yehi qadam sab se zyada customer bachata hai, kyunke sawal haan ya nahin se badal kar kitna ban jata hai. Had se door hon to Rs 4,000 advance kaafi hai. Qareeb hon to jawab Rs 8,000 ho jata hai, aur aadhe customer wo Rs 8,000 le hi aate hain.

Inkar se pehle plan chhota karein. Agar wo bara advance na de sake to barah ki jagah chhe mahine ka plan usi mahwar qist par dein jo wo dene ko taiyar tha. Bohat se log foran maan jate hain, kyunke wo mahwar number hi dekh rahe the.

Aur jab waqai jagah na ho to inkar ke bajaye tareekh dein. Do plan chhe hafte mein khatam ho rahe hain. Usay yehi batayein: cheez uski hai, naam likh liya hai, jagah khulte hi phone karenge. Jis customer ko tareekh mil jati hai wo laut aata hai. Jise saada inkar milta hai wo us dukan par chala jata hai jisne haan kahi. Chhoti cheez ho to bari cheez udhaar ya qist wala faisla usay bina plan khole bhi de sakta hai.

Mahine mein ek baar poori bahi par nazar

Mahine mein ek baar, kisi khali subah, poori plan bahi samne rakh kar teen cheezein dekhein. Bees minute lagte hain, aur yehi tay karta hai ke aap qiston ko chala rahe hain ya qisten aap ko.

Mahine mein ek baar apni plan bahi ko diye jane wale bees minute

• Har chalte plan par bacha balance jama karein aur pichli baar wale total ke neeche likhein.
• Yeh dekhein ke aam mahine mein yeh plan mila kar kitna wapas dete hain.
• Us mahwar number ko apni kharidari, kiraye, tankhwah aur bilon ke samne rakhein.
• Ginein ke kitne plan ek hi gali, ek hi peshe ya ek hi cheez par lage hain.
• Wo do plan nishan zad karein jo khatam hone ke qareeb hain, aur pandrah din unhi ke peeche lagein.
• Kisi ke aane se pehle tay kar lein ke naye plan ki gunjaish hai ya nahin.

Pehla, phansa hua total us number ke sath jo aap ne pichli baar likha tha. Barhna khud ba khud bura nahin, barhti dukan zyada paisa chalati hai. Barhna us waqt tanbeeh hai jab sath sath shelf khali ho raha ho, aur yeh baat in do numberon mein har jagah se pehle nazar aati hai.

Doosra, mahwar aamdani aap ke mahwar kharch ke samne. Agar plans se aane wali raqam aap ke kharch ka maqool hissa uthana chhor de, to aap bina jane lambe plan bana rahe hain.

Teesra, jamao, aur yehi log ko phansata hai. Ginein ke kitne plan ek hi gali, ek hi peshe ya ek hi cheez par lage hain. Poore bazaar mein bikhre barah plan ek bahi hain. Barah plan un logon ko diye gaye hon jo sab rickshaw chalate hain, to yeh ek hi shart hai. Us peshe par mandha waqt aaye to yeh sab ek hi hafte sust ho jate hain, aur koi hisab aap ko is se nahin bachata.

Ilaj sust aur saada hai. Kuch cancel na karein. Bas bhare hue group mein aur na barhayein aur agle chand plan kahin aur lagayein. Yehi ehtiyat us supplier ke udhaar par bhi lagti hai jo upar se chara hota hai, jaisa supplier ka udhaar kaise chukayein mein hai.

Agar aap ke khate Wasoolo mein hain to plan ke balance aur mahine ki mutawaqqa wasooli pehle hi jama hoti hai, is liye yeh nazar bees minute ke bajaye do minute ki reh jati hai. Asal cheez nazar hai, auzaar nahin. Pencil aur register ka andar wala panna bhi wohi kaam kar deta hai.

Aam sawalat

Kaam ke paison ka kitna hissa qist plans mein rakhna theek hai?

Koi ek number har dukan par poora nahin utarta, aur kahin se naql kiya gaya number aap ke liye ghalat hi hoga. Pehle apni mahwar kharidari ka bandobast karein, phir pakka kharch, phir do teen sust hafton ki gaddi. Jo bache wohi aap ki had hai. Jo dukan har mahine bhari kharidari karti hai wo us dukan se kaheen kam utha sakti hai jiska maal aaram se bikta hai.

Mere pas pehle hi zaroorat se zyada phansa hua hai. Ab kya karoon?

Kuch cancel na karein, kyunke chalta plan wo paisa hai jo laut raha hai. Chand hafte naye plan band rakhein, jo do teen khatam hone ke qareeb hain unke peeche lagein, aur jo naya banayein us par bara advance lein. Total khud kam hota jayega aur do teen mahine mein galla khul jayega.

Jo plan late chal rahe hain, kya unhein bhi usi total mein ginoon?

Phanse hue total mein zaroor ginein, kyunke paisa waqai bahar hai. Magar mutawaqqa mahwar aamdani mein tab tak na rakhein jab tak wo theek se dena shuru na kar dein, kyunke do mahine se na aane wali qist us number mein nahin honi chahiye jis ke bharose aap maal khareedte hain. Do alag column ummeed ko kharidari banne se rokte hain.

Bohat purana acha customer us waqt plan maange jab main had par hoon. Kya inkar kar doon?

Saada inkar mehnga jawab hai. Usay wohi mahwar qist chhote plan par dein, ya wohi plan bare advance ke sath, aur saaf keh dein ke do plan chand hafton mein khatam ho rahe hain aur uska naam pehle number par hai. Purane customer tareekh maan lete hain. Bina wajah wapas bhejna nahin mante.

Bara advance maangne se customer haath se nikal jate hain?

Kuch chale jate hain, aur aksar wohi hote hain jin se wasooli sab se mushkil hoti. Zyadatar rehte hain, kyunke advance wohi paisa hai jo wo us cheez par kharch karne hi wale the. Counter par saaf maangein, numbers likhne se pehle maangein, aur isay plan ka aam hissa samjhein, koi ehsan nahin.

Phansa hua total kitni baar jama karna chahiye?

Mahine mein ek baar kaafi hai, har baar usi tareekh ko taake number ka moqabla ho sake, aur ek baar kisi bari kharidari se pehle. Faida moqable mein hai, akele number mein nahin. Teen totalon ko ek doosre ke neeche likh lein to pata chal jata hai ke bahi us raftar se barh rahi hai jo aap ka shelf uthata hai ya nahin.