Nafa to nazar aata hai, lekin paisa kahan hai?

Aap ka nafa asli hai. Bas wo abhi paisa nahin bana. Jo kamai nazar nahin aa rahi, wo chaar mein se kisi ek jagah baithi hai: diya hua udhaar, shelf par khara stock, chukaya gaya supplier ka bill, aur ghar le jaya gaya paisa. Jagah pehchan lein, muamma usi raat khatam ho jayega.

Jumme ki wo subah jo hisab mein nahin baithti

Shakeel ki general store bazaar ke naake par hai. Jumme ki subah pone das baj rahe hain. Dopahar ko supplier ka aadmi Rs 47,000 ka bill le kar aayega, aur Shakeel ne abhi galla khola hai: Rs 4,300 aur mutthi bhar sikke.

Uske register ke mutabiq mahine ki bikri Rs 386,000 rahi. Jo maal shelf se gaya uska kharid rate nikaal dein, kiraya, bijli aur mulazim ki tankhwah nikaal dein, to taqreeban Rs 61,000 ka nafa banta hai.

To wo wohi karta hai jo har dukandar karta hai. Counter par khare larke ki taraf dekhta hai aur shak karta hai. Register do baar aur ginta hai. Phir tang aa kar faisla karta hai ke shuru se hisab hi ghalat tha, aur apne hi numbers par bharosa chhor deta hai.

Dono baatein ghalat hain. Kisi ne kuch nahin liya, aur Rs 61,000 bilkul theek number hai. Shakeel ne wo kamaye bhi aur usi mahine mein aise tareeqon se bahar bhi nikal diye jo kabhi kharcha mehsoos hi nahin hue.

Nafa aur cash do bilkul alag cheezein ginte hain

Nafa ek sawal ka jawab deta hai. Jo maal dukan se nikla, us par kya bikri ka rate kharid rate aur kharchon se upar raha? Bikri usi lamhe gin li jati hai jab maal counter se paar hota hai, chahe customer ne cash diya ho ya apna naam khate mein likhwaya ho.

Cash bilkul doosra sawal poochta hai. Is waqt galle aur account mein kitne rupay mojood hain? Cash ko is se koi matlab nahin ke sauday mein kuch kamaya bhi ya nahin. Wo sirf yeh ginta hai ke kitna andar aaya aur kitna bahar gaya.

Yeh dono number chaar wajah se alag ho jate hain, aur chaaron dukan ki rozmarra zindagi hain, koi hadsa nahin. Aap udhaar par bechte hain, to kamai ho gayi aur paisa kisi aur ke page par likha gaya. Aap stock kharidte hain, to aaj paisa nikalta hai us maal ke liye jo agle chhe hafton mein bikega. Aap purana supplier bill chukate hain, to aaj ka paisa us bikri ke liye jata hai jo bohat pehle ho chuki. Aur aap ghar ke liye paisa uthate hain, jo na kharcha hai na ghalti, magar galle se bahar to jata hi hai.

Isi liye ek dukan chhe mahine tak acha kama sakti hai aur phir bhi har jumme ko tang rehti hai. Kuch tuta hua nahin hai. Kamai bas musalsal aisi cheezon mein badalti rehti hai jo paisa nahin hotin. Agar aap ne kabhi in dono ko alag nahin kiya, to pehle dukan ka asli nafa kaise nikalein parh lein, kyunke jo number abhi tak theek se nikala hi nahin, uska peecha nahin kiya ja sakta.

Ek mahine ka nafa asal mein gaya kahan

Shakeel ka poora mahina saamne rakh kar dekhein. Upar wala hissa wo hisab hai jis par uska pehle se bharosa hai. Neeche wala hissa wo hai jo koi likhta hi nahin.

Farz karein ek dukan ne mahine mein Rs 386,000 ki bikri ki

Mahine ki kul bikri, cash aur udhaar donoRs 386,000

Jo maal shelf se gaya, uska kharid rateRs 305,000

Kiraya, bijli, mulazim, rozana ke chhote kharcheRs 20,000

To hisab ke mutabiq nafa banta haiRs 61,000

Customers ke pages par udhaar itna barhaRs 24,000

Shelf par khara stock itna barhaRs 19,000

Purane supplier ke bill itne chukayeRs 10,000

Aath nau baar mein ghar le kar gayeRs 14,000

Shuru ke Rs 10,300 ke muqable akhir mein gallaRs 4,300

Neeche wale hisse ko aaram se parhein, kyunke asal mazmoon wohi hai. Usne jitna udhaar wasool kiya, us se Rs 24,000 zyada udhaar diya. Jitna maal shelf se becha, us se Rs 19,000 zyada maal shelf par charha diya. Purane supplier ke Rs 10,000 chuka diye. Aur mahine bhar mein aath nau baar mein Rs 14,000 ghar le gaya, jin mein se ek baar bhi nikasi mehsoos nahin hui.

Yeh Rs 67,000 bante hain, jabke nafa Rs 61,000 tha. To galla sirf barha hi nahin, wo peeche chala gaya. Shuru mein Rs 10,300 the aur jumme ki subah Rs 4,300 reh gaye.

Ghor karein ke in chaar mein se koi bhi line nuqsan nahin hai. Udhaar uska apna paisa hai jo logon ke zimme hai. Stock wo maal hai jo bikega. Supplier ki adaigi ne ek asli qarza khatam kiya. Aur Rs 14,000 se uske bachon ne khana khaya. Wo pehle se zyada mazboot hai. Bas Friday ka bill in mein se kisi cheez se ada nahin ho sakta.

Chaar jagahein jahan aap ka nafa baitha hai

In chaar mein se kaun sa aap ka paisa roke baitha hai

• Udhaar barha: logon ke zimme raqam upar, galla wahin ka wahin
• Stock barha: shelf pehle se bhari, rozana bikri utni hi
• Supplier ka baqaya kam hua: purane bill chukaye, purani bikri ka paisa nikal gaya
• Ghar ki nikasi: mahine bhar mein thora thora uthaya, likha kuch nahin
• Chaaron mein se kuch nahin hila, phir bhi cash kam hai

Udhaar barh gaya. Udhaar dene wali dukanon mein aksar sab se bara yehi hota hai. Wo nafa jo ab kisi aur ke page par likha hua hai. Pehchan asaan hai: logon ke zimme kul raqam charhti jati hai aur galla wahin ka wahin rehta hai. Aap kam nahin bech rahe, aap jitna de rahe hain utna wasool nahin kar rahe, aur yehi faasla wo nafa hai jo mil nahin raha.

Stock barh gaya. Shelf par para har carton aap ka soya hua paisa hai. Acha mahina kharch karne ka sab se asaan tareeqa kharidari hai, kyunke lagta hai aap dukan bana rahe hain, galla khali nahin kar rahe. Thora hissa waqai dukan banata hai, aur thora wo maal ban jata hai jo bikta hi nahin aur saal bhar aap ka paisa dabaye rakhta hai.

Supplier ke bill ka waqt bigar gaya. Agar mahine ke shuru mein aap par Rs 60,000 baqi thay aur aakhir mein Rs 50,000, to aap ne Rs 10,000 kisi cheez par kharch nahin kiye. Aap ne wo paisa lauta diya jo aap chala rahe thay. Yehi wo jagah hai jahan poore saal achi chalne wali dukan kisi ek jumme ko haath paon phula leti hai, sirf is liye ke do bill ek hi hafte mein aa gaye. Kamai ka masla nahin, waqt ka masla hai. Isay sambhalne ka tareeqa supplier ka udhaar kaise chukayein mein khula hai.

Ghar le jaya gaya paisa. Dukandar paisa aise uthata hai jaise saans leta hai, khabar hi nahin hoti. School ke Rs 500, doctor ke Rs 2,000, mehman aane par Rs 3,000. Likha kuch nahin jata, is liye mahine ke aakhir mein yeh kisi number mein mojood hi nahin hota, aur aksar sab se bara gadha yehi nikalta hai.

Chaar number, do baar

Aap ko koi bara audit nahin chahiye. Aap ko cycle ke pehle din chaar number chahiye aur aakhri din wohi chaar, ek hi page par likhe hue taake dono saath dikhein.

Sham ki ginti: chaar number, do baar

1. 1Customers ke zimme kul raqamHar khata page jama karein. Ek number, naamon ki list nahin.
2. 2Shelf par khara stock, kharid rate parSirf das sab se bari cheezein ginein, baqi ko ek tay number par rakh lein.
3. 3Supplier ke zimme aap ki kul raqamHar wo bill jo abhi ada nahin hua, is hafte wala bhi.
4. 4Is waqt aap ke pass mojood cashGalla, bank aur mobile account, teeno ka jorh.
5. 5Yehi chaar cycle ke aakhri din phir leinWohi page, wohi likhai, taake farq saaf nazar aaye.
6. 6Jo nafa poora nahin karta, wo ghar chala gayaUdhaar ka izafa, stock ka izafa, baqaya ka izafa minus, aur cash ka farq.

Chaar yeh hain: customers ke zimme kul raqam, kharid rate par aap ke stock ki maliyat, supplier ke zimme aap ki kul raqam, aur aap ka cash, matlab galla aur bank ya mobile account milakar.

Stock wala number logon ko darata hai, is liye usay motay hisab se karein. Sirf apni das sab se bari cheezein kharid rate par ginein aur baqi chhoti cheezon ko ek tay number par rakh lein jo zyada nahin badalta. Aap ko harkat chahiye, kamal nahin. Jo number Rs 5,000 idhar udhar bhi ho, wo phir bhi Rs 19,000 ka jhatka saaf dikha dega.

Phir hisab. Udhaar ka izafa jama karein, stock ka izafa jama karein, supplier ke baqaye ka izafa minus karein, aur cash ka farq shamil karein. Is jawab aur aap ke nafe ke darmiyan jo bache, wohi ghar chala gaya. Aap ko har mutthi yaad rakhne ki zarurat nahin. Ginti khud bata deti hai.

Tariq kapre ki dukan chalata hai aur yeh ginti raat nau baje aadhe girey shutter ke peeche karta hai. Pehli baar jab usne kiya, uske logon ke zimme raqam ek hi cycle mein Rs 148,000 se Rs 186,000 ho chuki thi, jabke galla ek inch nahin hila tha. Wo samajh raha tha ke bikri dheemi chal rahi hai. Aisa bilkul nahin tha. Uski bikri theek thi, uski wasooli ruk gayi thi.

Har wajah ka apna alag ilaj

Chaaron jagahon ka apna ilaj hai, aur yeh aapas mein badle nahin ja sakte.

Har wajah ka apna ilaj

✓Yeh karein

• Das sab se purane customer pages pakrein, har ek se thori adaigi maangein
• Dheemi bikne wali cheezon ki ek kharid chhorein, shelf ko cash mein badalne dein
• Budh ko supplier ko phone karein, jumme wala bill mangal par karwa lein
• Apne aap ko tay din par tay raqam dein, tankhwah ki tarah

✕Yeh na karein

• Sab se bare balance se shuru karna kyunke number bura lagta hai
• Tezi se bikne wali cheezein kam karna, jo sirf achi bikri bhookhi rakhta hai
• Chup rehna aur jumme ko bill bina ada hue guzarne dena
• Zarurat par galle se Rs 500 aur Rs 2,000 uthate rehna

Udhaar ke liye wasooli ki mohim sab se puranay pages par chalayein, sab se bare par nahin. Purana balance sakht ho jata hai. Das sab se puranay naam lein, har ek se poori raqam ke bajaye thori adaigi maangein, aur baqi ke liye ek tay din rakh dein. Jo tareeqe udhaar wapas lene ke tarike mein diye hain, wohi paisa bhi laate hain aur customer bhi rehne dete hain.

Stock ke liye sirf apni dheemi bikne wali cheezon ki ek poori kharid chhor dein. Tez bikne walon ki hargiz nahin, un par kabhi haath na dalein. Jo khara hai usay bikne dein, shelf khud wapas cash ban jayegi. Ghalat cheez ka ek chhora hua order kabhi kabhi hafte bhar ki achi bikri se zyada qeemti hota hai.

Supplier ke liye phone uthayein. Bill ki tareekh aage karwane ki baat bill ke waqt se pehle karein, baad mein nahin. Jis supplier ko budh ko bata diya jaye ke jumma tang hai aur mangal aasan, wo aksar haan keh deta hai, aur usay yaad rehta hai ke aap ne khabar ki thi. Wohi supplier agar jumme ko khamoshi se pata chale, to usay bhi yaad reh jata hai.

Aur ghar ke liye apne aap ko theek tarah tankhwah dein. Ek tay raqam, ek tay tareekh, bilkul mulazim ki tankhwah ki tarah. Rs 25,000 ho ya Rs 40,000, jitna aap ki dukan sach much utha sakti hai. Galla raqam se nahin marta, mutthiyon se marta hai, aur uska ilaj wohi hai jo dukan aur ghar ka hisab alag rakhne mein likha hai.

Kitna paisa phansa hona chahiye, aur kab baat bigar gayi

Ab sach wali baat. Aap ke nafe ka kuch hissa udhaar aur stock mein baithna chahiye. Jis dukan ki shelf khali ho aur jis ke pass koi customer page na ho, us dukan ka koi kal nahin. Maqsad kabhi sifar nahin tha.

Aaram wali soorat kuch aisi lagti hai. Aap ka stock taqreeban ek cycle jitna gehra ho, taake shelf khali ho kar bharti rahe, purani na ho. Logon ke zimme utni hi raqam ho jitni aap ki aam wasooli ek cycle ke andar samet le. Aur aap ka cash agla supplier bill aur do hafte ke kharche utha le, taake bura hafta pareshani ho, kisi rishtedaar ko phone karne ki nobat na aaye.

Khatre ka ishara koi ek level nahin, rukh hai. Agar logon ke zimme raqam lagatar teen cycle charhti rahe aur galla wahin khara rahe, to aap ki dukan wasooli se tez raftar par qarz baant rahi hai, aur nafe ka number us din tak shandar dikhta rahega jis din bill ada nahin ho payega. Level se zyada rukh bolta hai.

Yeh sab kaghaz par bhi ho sakta hai. Zyadatar dukandar isay nahin karte kyunke chaar number do baar lene ka matlab hai register khol kar har customer page haath se jorna. Wasoolo logon ke zimme kul raqam ek hi screen par rakhta hai, is liye wo number ek second leta hai, poori sham nahin. Cash aur bank ke accounts aur kharchon wala hissa doosri taraf sambhalta hai, aur profit wala safha kamai ko us paise ke saath rakh kar dikhata hai jo waqai aap ke pass hai. Dukan ka paisa aur ghar ka paisa alag rehte hain, aur isi se chautha number nazar aana shuru hota hai.

Aam sawalat

Hisab Rs 61,000 nafa keh raha hai aur mere pass Rs 4,300 hain. Kya mera hisab hi ghalat hai?

Taqreeban yaqeeni tor par nahin. Nafa bikri aur kharche ginta hai, cash rupay ki aamad raft ginta hai. Dono ek hi waqt mein theek ho sakte hain. Apne hisab ya apne larke par shak karne se pehle chaar number wali ginti karein, kyunke zyadatar dukanon mein poora faasla bees minute mein udhaar aur stock ke andar mil jata hai.

In chaaron mein se aam tor par sab se bara kaun sa hota hai?

Jo dukan udhaar deti hai us mein aksar barhta hua udhaar, aur uske baad ghar ki wo nikasi jo kahin likhi nahin gayi. Jo dukan zyadatar cash par bechti hai us mein taqreeban hamesha stock. Ginti bata deti hai ke aap ka kaun sa hai, aur dukanein itni mukhtalif hoti hain ke andaza lagane mein poora cycle zaya ho jata hai.

Yeh chaar number kitni baar lene chahiye?

Rukh dekhne ke liye ek cycle mein ek baar kaafi hai, aur tareekh chunne se zyada ahem yeh hai ke har baar wohi tareekh ho. Agar aap pehle se tang chal rahe hain to kuch arse ke liye har pandrah din par lein. Galla sambhal jaye to mahine mein ek baar bohat hai.

Kya dukan se ghar ke liye paisa lena ghalat hai?

Bilkul nahin, dukan isi liye to hai. Nuqsan mutthi mutthi kar ke lene se hota hai jise koi ginta nahin. Ek raqam aur ek tareekh tay karein, apne aap ko mulazim ki tarah tankhwah dein, aur dukan uske hisab se mansooba bana legi, chonkegi nahin.

Jumme ko bill hai aur cash nahin hai. Sab se pehle kya karun?

Do phone, isi tarteeb mein. Pehle apne teen sab se puranay udhaar walon ko phone karein aur aaj thori si adaigi maangein, aadhi bhi chalegi. Phir supplier ko bill ki tareekh se pehle phone karein aur chand din maangein. Dono kaam waqt se pehle karna bill guzar jane ke baad kisi ek karne se kahin behtar chalta hai.

Kya cash sambhalne tak udhaar dena bilkul band kar dun?

Poori tarah band karne se aksar wohi customer chhoot jate hain jin par dukan chalti hai. Band karne ke bajaye hadd bandhein. Jin naamon par pehle se purana balance khara hai un ka naya udhaar rok dein, jo apna page saaf karte rehte hain un ke liye khula rakhein, aur udhaar ka kul number wapas utna le aayein jitna aap ki wasooli utha sakti hai.