Mulazim ki tankhwah, advance aur hazri ka hisab kaise rakhein

Pehle hi din shartein likh lein: mahana raqam, adaigi ki tareekh, kaam ke ghante aur hafte ki chhutti. Tankhwah, advance aur qarz teen alag line par rakhein, hazri usi din lagayein, aur mahine ke aakhir paanch minute baith kar parh lein. Har jhagra kisi chhooti hui line se shuru hota hai.

Jhagra kabhi raqam par nahin hota

Jo do log chaar saal se ek sath kaam kar rahe hon, un ki larai raqam par shaz hi hoti hai. Larai chauthe Rs 2,000 par hoti hai.

Usay yaad hai ke is mahine us ne teen advance liye. Aap ko chaar yaad hain. Jhoot dono mein se koi nahin bol raha, kyunki likha dono mein se kisi ne bhi nahin. Ek itwar ko diya gaya tha jab dukan bhari hui thi, ek seedha us ki walida tak gaya, aur ek Rs 1,500 tha jise dono ne apni apni taraf round kar liya hai.

Ab pehli tareekh hai, aur jo aadmi aap ka counter chalata hai woh samajh raha hai ke us ke Rs 2,000 maare ja rahe hain. Is ke baad jo bhi kaha jaye, kuch na kuch kharab ho chuka hota hai, aur baad mein paise mil jane se woh theek nahin hota.

Yeh tankhwah ka masla hai hi nahin. Yeh record ka masla hai, aur record ke masle ka ilaj hafte mein ek minute ka hai.

Pehle hi din shartein tay kar lein

Koi contract nahin. Ek safhe par chhe line, kisi teesre ke samne zubani keh kar, taake dono ne ek hi din ek hi baat suni ho.

Mahana raqam. Adaigi ki tareekh, aur woh asli tareekh honi chahiye, "mahine ke shuru mein" nahin. Ghante, jis mein shaam ki bandish bhi shamil ho. Hafte ki chhutti. Khana ya chai shamil hai ya nahin. Aur us din ka kya hoga jis din woh nahin aata.

Aakhri baat wohi hai jahan khamoshi se sari khair-sagali marti hai, is liye usay us waqt tay karein jab sab khush hain. Mahana tankhwah ka matlab aam tor par ek tay shuda raqam hoti hai jis mein chhutti ke chand din shamil hote hain, aur dihari ka matlab hai ke woh kaam ke dinon ka paisa leta hai. Dono insaf ke mutabiq hain. Kharabi tab hoti hai jab yeh bataya hi na jaye aur woh mahana samajh raha ho jab ke aap dihari samajh rahe hon.

Phir woh safha wahin rakhein jahan dukan ke baqi kaghaz rehte hain. Chaar saal mein aap usay do dafa parhenge, aur dono dafa woh aap ki poori dopehar bacha lega.

Tankhwah, advance aur qarz teen alag cheezein hain

Is poore mazmoon ki sab se kaam ki baat yehi hai, aur zyada tar dukanein teenon ko ek hi jeb se chalati hain.

Tankhwah woh hai jo dukan us ka mahine bhar ka qarzdar hai. Yeh kharcha hai, aur kiraye ki tarah aap ke mahane kharchon mein aata hai.

Advance usi tankhwah ka hissa hai jo pehle de diya gaya. Yeh koi extra paisa nahin. Mahina band hote hi yeh baqi raqam mein se nikal jata hai.

Qarz dukan ka woh paisa hai jis ka is mahine ke kaam se koi taluq nahin. Behen ki shadi, hospital ka bill, motorcycle ki marammat. Yeh kharcha hai hi nahin, yeh us ke zimme wapas aana hai, aur agar aap isay kharcha likh dein to aap ka apna nafa us ke baad har mahine ghalat nikalta rahega.

Wohi Rs 5,000, do bilkul alag tarah se

AdvanceDukan se qarz

Asal mein hai kyaAdvanceIsi mahine ki tankhwah, pehle di gayiDukan se qarzAisa paisa jis ka is mahine se koi taluq nahin

Tankhwah wale dinAdvanceBaqi raqam mein se kaat li jati haiDukan se qarzKaati nahin jati, us ka apna balance chalta hai

Aap ke mahine ke kharchon meinAdvanceEk dafa, tankhwah ke tor parDukan se qarzKharcha hai hi nahin, yeh wapas aana hai

Agle mahineAdvanceKhatam. Kuch aage nahin jataDukan se qarzAdaigi tak wahin khara rehta hai

Wapas kaise aata haiAdvanceWoh kaam ki soorat mein aa chukaDukan se qarzHar mahine tay shuda thori raqam

Agar woh kal chhor jayeAdvanceAakhri mahine ke andar hi tay ho jata haiDukan se qarzAlag se, likha kar tay hota hai

Amli imtihan yeh hai: agar mahina aaj khatam ho jaye, to kya yeh raqam us ke hisab se nikal jayegi? Haan, to yeh advance hai. Agle mahine aur us se agle mahine bhi wahin khari rahegi, to yeh qarz hai, aur is ka apna chalta hua balance chahiye, bilkul kisi customer ki tarah.

Advance wala mahina asal mein kaisa dikhta hai

Number woh baat saaf kar dete hain jo lafz nahin kar pate.

Farz karein: ek mulazim, ek mahina, teen advance

Tay shuda mahana tankhwahRs 32,000

26 mein se kaam ke din25

Ek din ghair hazir, chhutti nahinRs 1,230

6 tareekh ka advanceRs 5,000

14 tareekh ka advanceRs 3,000

22 tareekh ka advanceRs 2,000

Behen ki shadi ka qarz, alag rakha gayaRs 20,000

Tankhwah wale din diya gayaRs 20,770

Yeh misal ke number hain, koi survey nahin. Qarz is mahine se bahar apne balance par chalta hai, jitni raqam dono ne tay ki utni wapas.

Us box mein do cheezein jama-taqseem se zyada ahem hain. Pehli, har advance ke sath us ki tareekh hai, kyunki "mahine ke shuru mein" koi aisi baat nahin jise koi parakh sake. Doosri, baqi raqam us ke samne nikali jati hai, usay suna nahin di jati. Jo number woh khud banta dekhta hai woh maan leta hai; jo number banaya hua pohanchta hai usay woh apni yaadasht se milata hai, aur us ki yaadasht ittefaq nahin karti.

Ek aur usool jo umeed se zyada museebat bachata hai. Der se aane ya kuch tootne par tankhwah mein se paise kabhi na katein. Na jurmana, na is qism ki katauti, kyunki jis din aap yeh karte hain us din rishta badal jata hai aur us ke baad har rupya shak ke ghere mein aa jata hai. Der se aana waqai masla hai to der se aane par baat karein. Tankhwah tankhwah hai.

Hazri ka nishan wohi hissa hai jo sab chhor dete hain

Kisi dukandar se poochein ke pichle mahine us ke mulazim ne kitne din kaam kiya, jawab pooray etemad se milta hai. Usay sabit karne ko kahein, to etemad chala jata hai.

Rozana ek nishan, usi din

1. 1Aane par nishan lagayein, mahine ke aakhir mein nahinAlmari ke darwaze par chipka calendar kaafi hai. Asal cheez tareekh hai.
2. 2Aadhe din ka apna nishan rakheinBachay ki tabiyat kharab thi aur woh chaar baje aaya: na ghair hazir na poora din.
3. 3Advance haath se nikalte hi likh deinRaqam aur tareekh, aur likhte waqt kul total zubani bol dein.
4. 4Qarz ko bilkul alag line par rakheinWarna woh ek mahine ki tankhwah kha jata hai aur aage har mahina uljha deta hai.
5. 5Adaigi se pehle poora mahina parh kar sunayeinDin, phir advance, phir baqi raqam. Paanch minute, har mahine wohi tareekh.

Poora kaam itna hai: rozana ek nishan, usi din. Tees tareekh ko yaad kar ke nahin. Almari ke darwaze par chipka calendar bilkul theek chalta hai. Phone par note us se behtar chalta hai, kyunki us par tareekh khud lag jati hai aur usay baad mein badla nahin ja sakta, jo usi ek din kaam aata hai jab kisi ka ikhtilaf ho.

Aadhe din bhi zaroor likhein. Jo aadmi bachay ki tabiyat ki wajah se chaar baje aaya woh na ghair hazir hai na hazir, aur agar aap ne likha nahin to mahine ke aakhir mein aap thake hue faisla karenge aur woh apna alag faisla kar chuka hoga.

Aap ki dukan mein customer ka khata pehle se chalta hai to yahan bhi wohi aadat lagti hai: record counter par likha jata hai, usi lamhe jab baat hoti hai. Wasoolo download free hai aur mulazim ke din, advance aur tankhwah ek hi safhe par rakhta hai, taake mahine ke aakhir mein parhna pare, yaad na karna pare.

Extra ghanta, chhutti aur shadi ka hafta

Chhoti dukanein narmi par chalti hain, aur narmi tabhi zinda rehti hai jab woh likhi ho.

Woh saman ki delivery ke liye do ghante ruk gaya. Us ki koi qeemat hai. Woh qeemat ek dafa usool ki soorat mein tay kar lein, taake har baar nayi behas na ho. Ghante ka rate, ya shaam ka ek muqarrar amount, ya usi hafte mein ek extra chhutti. Teenon mein se kuch bhi chalta hai; har baar moqe par tay karna nahin chalta.

Eid, ghar ki shadi, gaon ka chakkar. Pehle se tay karein ke woh din tankhwah ke sath hain, bagair tankhwah ke hain, ya chhutti ke khate se ja rahe hain, aur tareekhein likh lein. March mein tay hua hafta aisa ehsan hai jo sab garmjoshi se yaad rakhte hain. Wohi hafta April mein behas ban jaye to acha mulazim wahin se jane ka soch leta hai.

Aur jab dukan usay us ki chhutti wale din bulaye, to us din ka hisab theek se karein. Yehi woh jagah hai jahan dukandar aksar samajh lete hain ke khair-sagali kaafi hai, aur yehi cheez mulazim sab se zyada batate hain jab woh utni hi tankhwah wali doosri dukan par chale jate hain.

Mahine ke aakhir paanch minute

Yeh paanch minute dukan ke liye is safhe ke har usool se zyada kaam karte hain.

Har mahine wohi tareekh, paise dene se do minute pehle, din aur advance dono ke samne rakh kar. Kaam ke din bol kar sunayein. Har advance us ki tareekh ke sath sunayein. Baqi raqam sunayein. Phir adaigi karein.

Teen chaar mahine mein jo cheez dekhni hai woh be-imani nahin, bahao hai: jis mulazim ki tankhwah mahina khatam hone se pehle hi advance kha jate hain woh museebat ki taraf ja raha hai, aur yeh khate mein us ke chehre se bohat pehle nazar aa jata hai. Wohi mahina hai jab baqi raqam ko theek qarz mein badal dein aur thori si mahana wapsi tay kar lein, us ke bajaye ke advance barhte rahein. Yeh wohi zabt hai jo aap dukan ke apne cash par lagate hain.

Jab woh chhor kar jata hai

Har mulazim ek din jata hai, aur aakhri din wohi hota hai jab acha rakha gaya record apni sari mehnat wapas kar deta hai.

Aakhri mahine ke asli kaam wale din nikalein, jo advance us ne waqai liye woh minus karein, aur qarz ka balance alag se, likh kar, aisi wapsi ke sath tay karein jo dono ke bas mein ho. Minus karne ke baad kuch bacha hi na ho to yeh baat sukoon se, list us ke samne rakh kar kahein, khali natija sunane ke bajaye.

Ho sake to aakhri din hi adaigi kar dein. Jis aadmi ke paise purane malik ke zimme reh jayein woh yeh kahani saalon sunata hai, aur aisay bazaar mein jahan sab teen gali se mulazim rakhte hain, yeh kahani mehngi parti hai. Jise saaf adaigi mili woh apna cousin bhej deta hai.

Aam sawalat

Mera mulazim baar baar advance mangta hai, bina jhagre ke kaise sambhaloon?

Har baar faisla karne ke bajaye ek usool bana lein: ek zyada se zyada hadd, aam tor par aadhi tankhwah, aur us se kabhi zyada nahin jitna woh us mahine kama chuka hai. Har advance usi din tareekh ke sath likhein. Zyada tar advance ke masle asal mein udhaar ke masle hote hain, aur agar woh teen mahine musalsal hadd par hai to baqi raqam ko theek qarz mein badal dein.

Mahana tankhwah dein ya dihari?

Mahana us bande ke liye theek hai jise aap saalon rakhna chahte hain, kyunki is se us ka ghar plan ho jata hai. Dihari mausami ya waqti madad ke liye theek hai. Ghalti chunne mein nahin, balke na batane mein hai, ke woh mahana samajhta rahe aur aap dihari. Pehle din bata dein ke kaunsa hai aur na aane wale din ka kya hoga.

Advance is tarah kaise likhoon ke baad mein behas na ho?

Teen cheezein: raqam, tareekh, aur us ka yeh jan-na ke likha gaya hai. Likhte waqt kul total zubani bol dein, taake woh wohi number le kar jaye jo aap ki kitab mein hai. Jo advance us ne likhte hue dekha ho us par kabhi behas nahin hui. Jo khamoshi se likha jaye us par aadhe moqon par behas hoti hai.

Agar us se koi mehngi cheez toot jaye to?

Saza ke tor par tankhwah mein se kabhi na katein, kyunki adaigi aur ilzam ek line par nahin aane chahiyein. Raqam bari hai aur woh khud hissa dalne par razi hai, to usay thori mahana wapsi wala qarz bana dein, baqi qarzon ki tarah likha hua. Jo dukandar isay is tarah chalate hain woh batate hain ke us ke baad ki ehtiyat paison se zyada qeemti nikli.

Mera mulazim mera apna bhai hai, kya phir bhi yeh sab zaroori hai?

Sab se zyada, kyunki ghar ki dukan mein paison par baat karne ka koi qudrati moqa nahin hota aur na koi bahar wala hota hai jis se faisla karaya jaye. Raqam, tareekh, chhutti aur advance, in sab ki line phir bhi chahiye. Bhaiyon ke darmiyan likhi hui shartein be-etemadi ki nishani nahin, yeh woh cheez hain jo karobari ikhtilaf ko kisi ki shadi par ghar ka jhagra banne se rokti hain.

Kya yeh sab copy par chal sakta hai ya app zaroori hai?

Ek mulazim ke liye copy bilkul theek hai, sharat yeh ke nishan usi din lage aur tees tareekh ko nahin. Do teen ho jayein to jo cheez tootti hai woh hazri hai, kyunki aap peeche ki taraf ginti kar rahe hote hain aur wohi din sab se masroof hota hai. Phone par record is liye madad karta hai ke tareekh khud lag jati hai, aur baad mein copy yeh imandari se nahin kar sakti.