Ghar mein museebat ho to udhaar kaise mangein

Intezar karein, magar ghayab na hon. Afsos karne jayein aur paise ka zikr bilkul na karein. Kuch hafte guzarne dein. Phir jab baat karein to akele mein karein, chhoti si pehli raqam tay karein, aur lamba plan dein. Udhaar der se bhi wapas aa jata hai. Pehle taluq bachana hota hai.

Woh khata jiska zikr nahin kiya ja sakta

Khabar kisi teesre se milti hai. Jis customer ka naam aap ki kitab mein balance ke sath likha hai, uske walid ya biwi ya bete ka inteqal ho gaya hai. Shaam tak poori gali ko pata chal jata hai.

Aur dukh ke neeche kahin ek chhota sa amli khayal aata hai jis par aap ko sharam mehsoos hoti hai: uske zimme jo Rs 14,600 hain unka kya banega.

Is khayal mein sharam ki koi baat nahin. Maal aap ne apne stock se diya tha, uski qeemat aap ne apne supplier ko di thi, aur raqam sachi hai. Sawal yeh nahin ke khayal aaya. Sawal yeh hai ke aane wale hafton mein aap karte kya hain.

Zyadatar dukandar yahan do mein se ek ghalti karte hain. Kuch log dil hi dil mein raqam maaf kar dete hain, phir chupke se us ghar ko saman dena band kar dete hain, jo ek thandi si saza hai jiska zikr koi nahin karta. Baqi log hafte bhar ke andar balance ka paighaam bhej dete hain aur ghar walon ko hamesha ke liye ghalat wajah se yaad reh jate hain.

Ek teesra raasta bhi hai, aur us se paisa dono se zyada wapas aata hai.

Shuru ke din kis liye hote hain

Inteqal ke baad ke pehle arse mein aap ka kaam aap ki kitab se koi taluq nahin rakhta.

Ghar jayein. Das minute baithein. Wohi aam baatein karein jo log karte hain. Agar mehmanon ka khana banana par raha ho to dukan se kuch bhijwa dein aur saaf keh dein ke yeh khate mein nahin jayega.

Yeh sab paisa wasool karne ki chaal nahin hai, aur is neeyat se karna bhi nahin chahiye. Lekin jo dukandar bure waqt mein pohancha ho us se ghar wale nazrein nahin churate, aur nazrein churana hi in balances ko marta hai. Jo ghar aap ka darwaza bachane ke liye gali ka doosra kinara pakarna shuru kar de, woh paanch saal mein bhi paisa nahin dega.

Saman dena jari rakhein. Agar bewa ya beta aata ya tel lene aaye to dein aur pehle ki tarah likh lein. Jis din us ghar ko udhaar ki sab se zyada zaroorat ho usi din darwaza band kar dena naslon tak yaad rehta hai, aur ek customer ko aisa dushman bana deta hai jis par aap ka paisa bhi khara ho.

Baat kaun kare, aur kab

Hafton ka koi tay shuda hisab nahin jo har surat par lagta ho, is liye calendar ke bajaye do nishaniyan dekhein.

Pehli nishani yeh ke ghar dobara kaam par lag gaya hai. Kisi ne dukan khol li hai, ya naukri par wapas chala gaya hai, ya marhoom ka paisa doosron se wasool karna shuru kar diya hai. Us ghar mein paisa dobara chalne laga hai.

Doosri nishani yeh ke woh khud zikr kare. Aisa dukandaron ki tawaqqo se kaheen zyada hota hai. Jise pata hai ke uske zimme paisa hai woh kisi aur baat ke darmiyan keh dega ke "aap ka hisab main bhoola nahin hoon", aur yehi jumla darwaza kholta hai. Usi waqt, narmi se, us darwaze se andar chale jayein.

Baat kaun karta hai yeh bhi maayne rakhta hai. Aap karein, khud, akele mein. Na mulazim, na paighaam, na koi rishtedar jo kehne ko tayyar ho. Mulazim ki baat dukan ka taqaza lagti hai, aur likha hua paighaam das mizajon mein das baar parha jata hai. Aap ki apni awaz, aap ke apne counter par, is baat ki wohi ek shakal hai jo theek chalti hai.

Woh alfaz jo kaam karte hain

Pehla jumla hi baqi sab tay kar deta hai.

Baat kaise shuru karein, aur kaise nahin

✓Aisay kahein

• Ghar walon ka kya haal hai? har cheez ko waqt dein.
• Jab aap tayyar hon, aa kar mere pass baithein, hisab mil kar theek kar lenge.
• Jitna asaan ho utne se shuru karein. Har hafte Rs 500 mere liye kafi hai.
• Ghar ki zaroorat ka saman lete rahein. Main pehle ki tarah likhta rahoonga.

✕Aisay kabhi na kahein

• Afsos hua, aur balance Rs 14,600 hai.
• Museebat sab par aati hai, mere apne bill bhi to dene hain.
• Aap ke bhai ne kaha tha ke hisab ab tak saaf ho jayega.
• Purana paisa ane tak ab kuch nahin milega.

Achi taraf ki tamam lines mein ek baat mushtarak hai. Koi bhi raqam se shuru nahin hoti. Har jumla pehle ghar ko rakhta hai aur usay gunjaish deta hai ke hisab ka zikr woh khud kare, taake aap ke samne uski izzat qayam rahe.

Ek aur baat dekhein. Aakhri line usay kuch mangne ke bajaye kuch deti hai. Ghar walon ko yeh batana ke udhaar abhi bhi khula hai aap ke bare mein unki poori raye badal deta hai, aur jo ghar aap se kharidta rahe uska dukan se rishta zinda rehta hai.

Buri taraf ki lines jaan boojh kar sakht nahin hain. Yeh sab shareef log kehte hain jo apne cash ki fikar mein hote hain, aur isi liye jane se pehle inhein do baar parhna chahiye.

Poochne se pehle number ko chhota karein

Gham zada ghar Rs 14,600 ko ek na guzarne wali deewar samajhta hai. Wohi ghar "har hafte Rs 500" ko aisi cheez samajhta hai jo kal se shuru ho sakti hai. Raqam wohi hai. Shakal badal gayi.

Farz karein balance Rs 14,600 hai aur kamane wala nahin raha

Khate par balanceRs 14,600

Aakhri chhoti raqam aap chhor dete hainRs 600

Jo wasool karna haiRs 14,000

Har hafte jo woh sach mein de sakta haiRs 500

Plan kitne hafte chalega28 hafte

Upar se kuch bhi shamil nahinRs 14,000

Yeh sirf misal hai. Baat shakal ki hai: aakhri chhoti raqam chhor dein, chhota haftawar figure tay karein, aur der par balance mein kuch na barhayein.

Baat karne se pehle balance ke sath teen kaam karein.

Pehla, aakhri chhoti raqam chhor dein. Agar balance Rs 14,600 hai to usay Rs 14,000 keh dein aur zubani bata dein ke baqi aap ne chhor diya. Aap ka nuqsan mamooli hai aur ghar walon ko yeh saaf pata chal jata hai ke jab tak woh neeche hain number barhega nahin.

Doosra, usay aisi haftawar ya mahana raqam mein badlein jo un halat mein sach mein di ja sake. Batane ke bajaye poochein ke kitna ho sakta hai, aur pehla sacha jawab qabool kar lein chahe chhota ho. Rs 500 haftawar ka woh plan jo chalta rahe Rs 2,000 wale us plan se behtar hai jo doosre hafte toot jaye aur phir us se bhaga jaye.

Teesra, unke samne likhein aur unhein bhi ek copy dein. Is liye nahin ke aap ko shak hai, balke is liye ke hisab sab ki yaad se nikal kar kaghaz par aa jata hai. Aise ghar mein kai log faisle kar rahe hote hain, aur likha hua plan beta aur chacha dono ko ek hi baat dikhata hai.

Jab paisa marhoom ke zimme ho

Yeh surat zyada mushkil hai aur iska tareeqa bilkul alag hai.

Koi khud ba khud chalne wala qanoon nahin ke ghar wale marhoom ka udhaar dein, aur aap ko aisa bartao bhi nahin karna chahiye. Raqam kitni bhi ho, ghar ja kar bete se yun baat karna jaise usne khud likh kar diya ho, wasool hone wale balance ko pakka nuqsan aur aap ki dukan ko ek kahani bana deta hai.

To pehle yeh maloom karein ke us aadmi ki jagah kaun le raha hai. Zyadatar gharon mein koi ek shakhs chupke se paison ka zimmedar ban jata hai. Usi se baat karni hai, ek baar, thande dil se, aur shuru ke hafte guzarne ke baad.

Usay balance aur uski tafseel bata dein, bagair kisi dabao ke, aur kaghaz uske haath mein de dein. Bohat se ghar raqam khud apne zimme le lete hain, kyunke mohalle mein naam unke liye paise se zyada qeemti hota hai.

Agar woh na kar sakein ya na karna chahein to jald faisla karein aur ruk jayein. Woh balance jise ghar wale sach mein de hi nahin sakte, balance nahin hota, aur usay saalon kitab mein rakhna sirf har agli mulaqat ko karwa karta hai. Usay band karein, sath mein wajah likh dein taake yaad rahe, aur jo seekha usay us sabaq ki qeemat samjhein. Yehi faisla, aur khud se lambi behas ke bagair usay karne ka tareeqa, saal purane udhaar wale mazmoon mein tafseel se likha hai.

Yeh waqia aap ki poori kitab ke bare mein kya batata hai

Aisa ek jhatka aap ko dikha deta hai ke aap ka kitna paisa gharon ke bajaye tanha afraad par khara hai.

Apna khata isi sawal ke sath dekhein. Har bare balance par sochein ke us ghar mein aur kis ko pata hai ke yeh hisab mojood hai. Agar jawab "kisi ko nahin" hai, to woh balance ek hadse ki doori par hai.

Ilaj koi bara nahin. Jab bara balance kisi ek aadmi ke bajaye ghar ka ho, to doosra naam aur uska number bhi likh lein: biwi, bara beta, ya jo bhi usi khate par saman leta hai. Dukan chalane ka tareeqa kuch nahin badalta, aur us din sab kuch badal jata hai, kyunke aap us se baat kar rahe hote hain jo pehle se jaanta hai.

Yehi aadat us waqt bhi bachati hai jab customer shehar chhor de ya phone uthana band kar de, aur yeh usi hadbandi ke sath chalti hai jo udhaar kitna dena chahiye aur purane customer kaise rakhein mein bayan hui hai.

Aisa record jo is tarah ke waqiye ke baad bhi kaam de, wohi wajah hai ke bohat se dukandar apna khata kaghaz se hata lete hain. Jab har khate par doosra number, chalta hua balance aur har entry apni tareekh ke sath mojood ho, to mushkil baat chhoti ho jati hai, kyunke number par koi jhagra hi nahin bachta. Wasoolo yeh sab phone par rakhta hai aur ghar walon ko unka apna hisab bhej deta hai bagair aap ke kuch naql kiye.

Aam sawalat

Balance ka zikr karne se pehle kitna intezar karna chahiye?

Itna ke ghar dobara kamane lag jaye, jo aam tor par kuch dinon ke bajaye kuch hafte hote hain. Din ginne ke bajaye amli nishaniyan dekhein: kaam ka dobara shuru hona, naukri par wapsi, ya uska khud hisab ka zikr karna. Shak ho to ek hafta aur intezar kar lein, kyunke jaldi karne ka nuqsan der karne se kaheen zyada hota hai.

Woh us din se meri dukan par aaya hi nahin. Kya main uske pass jaon?

Zaroor jayein, lekin kisi aisi wajah se jiska paise se koi taluq na ho. Ghar ka haal poochein, keh dein ke hisab intezar kar sakta hai, aur bagair koi raqam bataye wapas aa jayein. Bohat se log sirf sharm ki wajah se door rehte hain, aur ek mulaqat jis mein paise ka zikr na ho woh sharm khatam kar deti hai.

Balance khara hote hue bhi kya usay udhaar par saman dete rahna chahiye?

Aam tor par haan, ek khamosh hadd ke sath jo aap khud tay karein. Gham zada ghar ko band kar dena customer aur paisa dono khone ka sab se tez tareeqa hai, aur chhoti chhoti kharidari rishta zinda rakhti hai. Hadd apne zehan mein rakhein, kuch mahine dekhein, aur sirf tab sakht karein jab purana balance bilkul na hil raha ho.

Gali ke doosre dukandar pehle hi apna paisa maang rahe hain. Main kya karoon?

Us qatar mein shamil na hon, kyunke daswan shor machane wala pehle wasool nahin karta. Jo akela intezar karta hai woh aksar karta hai, kyunke sanbhalne wala ghar pehle usay deta hai jisne bure waqt mein achha bartao kiya. Apna record theek rakhein aur is shor se alag rahein.

Beta kehta to hai ke de doonga, magar mahine guzar gaye aur kuch nahin aaya. Ab kya?

Khuli zubani baat se hat kar likhe hue plan par aa jayein jis mein tareekhein aur chhoti muqarrar raqam ho, kyunke khule wade khisak jate hain aur pata bhi nahin chalta. Ek baar uske sath baithein, tay karein ke har mahine kitna ho sakta hai, likhein aur usay copy dein. Do tay shuda tareekhein khali guzar jayein to maamla gham se hat kar bachne mein badal chuka hai, aur woh har baar wada karne wale customer wala maamla ban jata hai.

Itni lambi der par kya balance mein kuch barha sakta hoon?

Bilkul nahin. Der par udhaar ke balance mein kuch bhi shamil nahin kiya jata, na is surat mein na kisi aur mein, aur yahan to poori gali ko yaad reh jayega. Karna hi ho to number kam karein, barhayein nahin. Jo balance tay hua wohi wasool karna hai, chahe jitna waqt lage.