Mulazim advance nahin, qarz mange to

Advance wo tankhwah hai jo kamane se pehle mil jaye. Qarz kai mahinon ki tankhwah ek saath dena hai. Usay is hisab se naapein ke us ke ghar ka mahina chalta rahe, katauti aur khatme ki tareekh bol kar tay karein, alag safhe par qarz likhein, aur waqt par kuch na barhayein.

Wo shaam jab wo is se bari baat kehta hai

Aap ka mulazim pehle bhi advance le chuka hai. Mahine ke beech mein Rs 4,000, aakhir mein kaat liye, koi ajeeb baat nahin aur koi baat cheet bhi nahin.

Is dafa wo alag andaz mein khara hai. Us ki behen ki shadi ki tareekh aa gayi hai, ya walid ka operation hai, ya ghar badalna hai aur maalik chhe mahine ka kiraya ek saath maangta hai. Jo number wo bolta hai wo Rs 4,000 nahin. Wo Rs 60,000 hai, yani jitna aap usay do mahine mein dete hain us ke qareeb.

Zyadatar dukandar is sawal ka jawab dono taraf se ghalat dete hain. Kuch foran haan keh dete hain kyunke banda wafadar hai aur baat sachi hai, aur phir pata chalta hai ke season ke maal ka paisa haath se nikal gaya. Kuch foran inkaar kar dete hain kyunke number dara deta hai, aur teen mahine mein acha kaam karne wala banda us dukan ke paas chala jata hai jis ne haan kaha.

Ek teesra jawab bhi hai, aur wo is se shuru hota hai ke jo maanga ja raha hai us ka naam liya jaye.

Advance aur qarz ek cheez nahin

Farq bol kar kahein, pehle apne aap se aur phir us se, kyunke baqi sab isi se nikalta hai.

AdvanceQarz

RaqamAdvanceEk mahine ki tankhwah ka hissaQarzEk mahine se zyada, aksar kai mahine

Kab saaf hota haiAdvanceAgli tankhwah parQarzKai mahine chhoti katautiyon se

Jo kaam isay wapas karta haiAdvanceZyadatar ho chuka haiQarzAbhi aage aana hai

Aap ka bharosa kis par haiAdvanceIsi mahine parQarzAane wale saal bhar ke taluq par

Yeh likha kahan jata haiAdvanceTankhwah ke record parQarzApne alag safhe par, tarteeb ke saath

Advance wo paisa hai jo wo qareeb qareeb kama chuka hai. Wo chhota hota hai, ek hi tankhwah ke chakkar mein saaf ho jata hai, aur khatra qareeb qareeb sifar hai kyunke jo kaam usay chukayega wo aadha ho chuka hai. Yehi intezam mulazim ki tankhwah ka hisab mein bayan hua hai, aur usay is tehreer ki koi zaroorat nahin.

Qarz har ahem baat mein alag hai. Wo ek mahine ki tankhwah se bara hota hai. Wo kai mahinon mein saaf hota hai. Wo sirf us waqt tak zinda rehta hai jab tak wo aap ke paas kaam karta hai, yani aap kiye hue kaam ke bajaye ek taluq ke mustaqbil par qarz de rahe hain.

Naam le lene ke baad baat cheet dono ke liye asaan ho jati hai, kyunke ab aap qarz ko qarz ki shartoun par haan keh sakte hain, us advance ko haan kehne ke bajaye jise dono khamoshi se jaante hain ke advance hai hi nahin. Dono ko mila dena hi aisa mulazim paida karta hai jo Rs 60,000 le chuka hai aur har mahine poori tankhwah bhi maang raha hai, aur dono mein se koi nahin bata sakta ke tay kya hua tha.

Seedha inkaar aksar zyada mehnga parta hai

Hisab se pehle yeh sach maan lein ke saaf inkaar karta kya hai.

Jo mulazim barson se saath hai wo aap ka maal, aap ke customer, un ke naam aur un ki aadatein jaanta hai. Us ki jagah bharna sirf doosra banda rakhna nahin; yeh teen mahine hain jin mein naya banda wo seekhta hai jo purana jaanta tha, aur is dauran aap ke customer thora kam acha suluk paate hain. Is ka poora kharcha naukar rakhein ya khud sambhalein ka asal mauzu hai.

Ek hissa aisa bhi hai jo koi nahin kehta. Jis banday ko sachi museebat mein inkaar mile wo paisa kahin aur se le aata hai, aur wo jagahein aksar us ke liye zyada kharab hoti hain. Wo kaam karta rahega, aur us ke baad kuch na kuch apne andar rakhta rahega, aur aap ko pata bhi nahin chalega ke kya badla.

Is ka matlab yeh nahin ke haan khud ba khud ho jaye. Matlab yeh hai ke sawal kitna aur kin shartoun par ka hai, yeh nahin ke aisa kaam kabhi karna chahiye ya nahin.

Kya batata hai ke jawab haan ho sakta hai

• Us ne pehle advance liya aur waqt par saaf kiya
• Wo itna arsa saath hai ke aap usay jaante hain
• Wajah ke saath tareekh, jagah ya koi shakhs juda hua hai
• Katauti ke baad us ke ghar ka guzara ho jata hai
• Aap ki dukan delivery chhore baghair yeh nikal sakti hai
• Doosre mahine mein, gol number aur dhundli wajah

Haan kehne se pehle ek cheez dekhne layaq hai: wo kitne arse se saath hai aur us ne paise ko pehle kaise sambhala. Jis ne teen advance liye aur teenon waqt par saaf kiye, us ne aap ko wo saboot de diya jo mojood hi hota hai. Jo apne doosre mahine mein hai us ne koi saboot nahin diya, aur usay dena faraakh dili nahin, dukan ke maal ke paise ka andaza hai.

Wajah ko bhi naram lehje mein dekh lein. Aap tehqeeqat nahin kar rahe; aap sirf yeh dekh rahe hain ke raqam zaroorat ke barabar hai. Shadi ki tareekh hoti hai, operation ka hospital hota hai, ghar ka maalik hota hai. Jab wajah ke kinare saaf hon to qarz aksar chal jata hai. Jab wajah dhundli ho aur number bilkul gol ho, to paisa nikalne se pehle ek sawal aur banta hai.

Us ke mahine ke hisab se naapein

Sab se aam ghalti yeh hai ke raqam wo tay ho jo aap de sakte hain aur katauti wo jo wo bardasht nahin kar sakta.

Farz karein Rs 32,000 mahana wala mulazim Rs 60,000 maangta hai

Us ki mahana tankhwahRs 32,000

Us ne kitna maangaRs 60,000

Tankhwah ke paanchwen hisse ki katautiRs 6,400

Usi hisab se Rs 60,000 saaf hone ke mahineNau se thora zyada

Har mahine us ke ghar mein waqai kitna jata haiRs 25,600

Agar itna kaafi nahin to chalne wali raqamRs 40,000

Rs 5,000 mahana par saaf hone ka arsa8 mahine

Qarz katauti tay karti hai, farmaish nahinRs 40,000

Farzi raqmein hain, sirf shakal samjhane ke liye. Kuch tay karne se pehle in lainon mein us ki asal tankhwah aur ghar ki zaroorat rakhein.

Pehle us ki taraf se dekhein. Us ke ghar ko mahine mein waqai kitna chahiye? Tankhwah mein se katauti nikalein aur dekhein ke kya bacha. Agar jawab aisa number hai jis par us ka ghar nahin chal sakta, to qarz nakaam ho ga, aur aise nakaam ho ga jo inkaar se bhi bura hai: wo do mahine baad kam hui tankhwah par advance maangne aa jayega, aur ab aap qarz ke upar qarz de rahe hain.

Zyadatar gharon ke liye tankhwah ka paanchwan hissa katauti ki amli had hai, aur yehi qarz ki lambai tay karti hai, raqam nahin. Agar paanchwan hissa athara mahine leta hai to qarz is intezam ke liye bara hai, aur sacha jawab chhoti raqam kam arse ke liye hai.

Phir apni taraf usi sanjeedgi se dekhein. Paisa aap ke maal aur aap ki kharidari se ja raha hai, kisi alag pot se nahin, aur yeh wohi tarteeb hai jo dukan aur ghar ka hisab alag mein hai. Jo qarz sirf ek delivery chhor kar diya ja sake, wo qarz dukan de hi nahin sakti.

Paisa nikalne se pehle chaar baatein

Chaaron ek hi baithak mein bol kar kahein, aur us ke khare hote hue safhe par likh lein.

Paisa nikalne se pehle chaar baatein bol kar tay karein

1. 1Raqam, aur yeh ke waqt guzarne par kuch nahin barhtaJo diya wohi wapas lena hai.
2. 2Mahana katauti aur wo mahina jab khatam hogaKhatme ki tareekh lambi wapsi ko qabil e bardasht banati hai.
3. 3Is dauran aam advance ka kya hogaAksar qarz saaf hone tak wo ruk jate hain.
4. 4Agar wo wapsi se pehle chhor jaye to kya hogaUs ke baqaya se hisab, baqi tay shuda mahinon mein.
5. 5Dono ke nishan usi shaam safhe parUs ke saamne likha jaye, baad mein nahin.
6. 6Har tankhwah par usay balance dikhanaDas second jo poore intezam ko saaf rakhte hain.

Raqam aur khatme ki tareekh zahir hain. Jo do chhoot jati hain wohi sab se ahem hain.

Pehli yeh ke agar wo chhor kar jaye to kya hoga. Isay abhi, thande dil se, tay karein jab koi naraz nahin: baqaya us ke waajib ul ada se saaf hoga, aur jo bache wo tay shuda arse mein aayega. Jis din wo istifa de us din yeh tay karna sab se kharab mood mein tay karna hai.

Doosri yeh ke qarz ke dauran aam advance ka kya hoga. Aam jawab yeh hai ke qarz saaf hone tak wo ruke rahenge, kyunke jo banda dono utha raha ho us ki tankhwah ke maani khatam ho jate hain. Yeh pehle keh dena teesre mahine ki mushkil baat cheet bacha leta hai.

Aur ek baat par bilkul saaf rahein jis par sauda nahin hota: jo diya wohi wapas lena hai, aur guzarne wale waqt par kuch nahin barhta. Apne mulazim ko diya gaya qarz madad hai, koi karobar nahin. Is ke ilawa kuch bhi intezam ki shakal badal deta hai, aur wo yeh bhi badal deta hai ke wo aap ke paas kaam karne ko kaise dekhta hai.

Isay alag safhe par qarz likhein

Record chhota hai, aur us ka na hona hi ehsan ko shikayat bana deta hai.

✓Qarz apne alag safhe par

• Raqam, tareekh, mahana katauti, aakhri mahina, dono ke nishan
• Har katauti par usi waqt ek lakeer
• Tankhwah wale din usay bacha hua balance dikhana
• Dukan ke customer khaton se alag rakha hua
• Anjaam bhi likha hua: kitna saaf, kitna maaf, aur kab

✕Qarz tankhwah mein ghula hua

• "Usay pata hai us ne kitna liya."
• Isay advance kehna kyunke wo lafz asaan lagta hai
• Har mahine andaze se alag raqam kaatna
• Usay hazri wale safhe par hi likh dena
• Aakhri chand hazar par baat hi na karna

Ek safha us ke naam ka: raqam, tareekh, mahana katauti, mahinon ki tadaad, aur dono ke dastkhat ya nishan. Phir har katauti par ek lakeer usi waqt, taake bacha hua balance har mahine dono ko nazar aata rahe.

Isay us ki tankhwah ke record se aur dukan ke customer khate se alag rakhein. Yeh diya hua qarz hai, aur wo usi tarah chalta hai. Agar aap dukan ka hisab app mein rakhte hain to yeh asaan hai, kyunke Wasoolo mein diya hua qarz apne safhe par apne balance ke saath rehta hai, is liye tankhwah ka record tankhwah ka hi rehta hai aur dono mein se koi doosre ko chhupata nahin.

Har mahine tankhwah dete waqt usay balance dikhayein. Das second, aur is se wo cheez milti hai jo khareedi nahin ja sakti: wo number ko girta hua dekhta hai, aur yehi lambi wapsi ko na khatam hone wali lagne se rokta hai. Jise apni pesh raft nazar na aaye wo maan leta hai ke pesh raft hai hi nahin.

Wapsi se pehle wo chhor kar chala jaye to

In mein se kuch jaldi khatam hote hain, aur yeh jaan lena chahiye ke acha anjaam kaisa hota hai.

Agar wo achay tareeqe se ja raha hai to jo us ke waajib ul ada se ho sake wo saaf karein, baqi ke liye chhoti mahana raqam tay karein, aur us ka naya raabta kisi aise banday ke saamne lein jis ki wo izzat karta hai. Aisi soorat mein zyadatar log wapas kar dete hain. Wo is liye karte hain ke taluq sharifana raha aur raqam itni hai ke wapas ho sakti hai, aur yehi shuru mein theek naap lene ki dalil hai.

Agar wo kharabi ke saath ja raha hai to jitna aakhri hisab mein aa jaye le lein aur baqi ko soch samajh kar nuqsan maan lein, saal bhar peechha na karein. Purane mulazim ka mahinon peechha karna usi gali mein aap ka naam kharab karta hai jahan us ka ghar bhi hai, aur is se kam hi kuch milta hai.

Dono suraton mein anjaam safhe par likhein: kitna saaf hua, kitna maaf hua, aur tareekh. Jo qarz sirf zikr mein aana band ho jaye usay dono alag alag yaad rakhte hain, aur zinda wohi version rehta hai jo do zehnon mein kabhi ek jaisa nahin hota.

Sab se achay anjaam aam hote hain, aur wo dukandaron ki umeed se zyada hote hain. Jis mulazim ko munasib raqam mili, aisi katauti par jo wo utha sakta tha, aur jise har mahine balance dikhaya gaya, wo aksar saaf kar deta hai aur saath bhi rehta hai. Us ke saath jo baaqi rehta hai wo paisa nahin. Wo yeh hai ke us ne bure waqt mein apne maalik se madad maangi aur us ke saath theek suluk hua, aur aisi baat ka badla mulazim barson tak un tareeqon se deta hai jo kisi hisab mein nazar nahin aate.

Aam sawalat

Mulazim ko kitna dena zyada ho jata hai?

Amli imtihan raqam ka nahin, katauti ka hai. Agar saaf hone mein us ki tankhwah ke paanchwen hisse se zyada lage ya saal se zyada arsa lage, to yeh is intezam ke liye bara hai, aur chhoti raqam kam arse ke liye dono ke haq mein behtar hai.

Kya apne mulazim ke qarz par kuch lena chahiye?

Nahin. Jo diya wohi wapas lena hai, aur waqt guzarne par kuch nahin barhta. Koi bhi izafa is intezam ki shakal bilkul badal deta hai, aur yeh bhi badal deta hai ke mulazim apne maalik ke baare mein kya mehsoos karta hai.

Kya us se zamin maang sakta hoon?

Bari raqam par yeh maangna ke us ke ghar ka koi banda is intezam se waqif ho, munasib hai aur aksar usay bhi acha lagta hai, kyunke is se wo bhi mehfooz hota hai. Isay zamanat lene ke bajaye baat ko khula karna samjhein.

Qarz chalte hue wo phir advance maange to?

Shuru mein hi tay kar lein ke qarz saaf hone tak aam advance ruke rahenge. Pehle keh dena asaan hai; teesre mahine mein pehli baar kehna raye badalna lagta hai.

Katauti doosri katautiyon se pehle ho ya baad mein?

Un cheezon ke baad jo wo waqai chhor nahin sakta, aur hamesha us ke haath mein chalne wali mahana raqam chhorte hue. Jo katauti us ka ghar tor de wohi doosre qarz par khatam hoti hai.

Record kahan rakhun?

Apne alag safhe par, tankhwah se aur customer khaton se hat kar. Har mahine tankhwah dete waqt usay bacha hua balance dikhayein, taake yeh intezam aisi cheez rahe jo dono dekhte hain, na ke aisi jo dono yaad rakhte hain.