Pehla qist plan chalte hue doosra dena chahiye

Us ne fridge ki har qist waqt par di, aur ab washing machine bhi qiston par chahta hai. Jawab us ke record se na dein. Jawab teen numbers se dein: pehle plan par abhi kitna khara hai, us ka ghar har mahine kitna utha sakta hai, aur aap ka galla kitna bahar bhej sakta hai.

Us ka acha record jawab ki ghalat jagah hai

Shaam ke saarhe chhe baje, dukan ki battiyan abhi jali hain. Rafiq andar aata hai, chai ka ek packet leta hai, aur phir counter ke paas yun khara ho jata hai jaise koi doosri baat bhi le kar aaya ho. Fridge ki saat qisten de chuka hai, ek bhi din late nahin. Ab ghar walon ko washing machine chahiye, aur woh poochh raha hai ke doosra plan banega ya nahin.

Aap ka pehla khayal record par jata hai, aur record waqai acha hai. Isi liye yeh lamha khatarnak hai. Record batata hai ke ek qist utha kar woh kaisa chala. Yeh nahin batata ke do qisten utha kar kaisa chalega.

Asal sawal yeh nahin ke "banda acha hai ya nahin". Asal sawal yeh hai ke "us ka ghar ek saath do qisten utha sakta hai, aur meri dukan ek saath do plan utha sakti hai." Dono sawal hisab ke hain, aur hisab counter par khare khare teen minat mein ho jata hai.

Har us shakhs par yehi chaar imtihan chalayein jo doosra plan maange. Phir jawab dukan ka hota hai, us shaam ke mood ka nahin. Aur agar aap ne kabhi tay hi nahin kiya ke plan ki shakal kaisi honi chahiye, to doosra bechne se pehle pehla plan theek se banana seekh lein.

Pehla imtihan: pehle plan par abhi kitna khara hai

Shuruaat baqaye se karein, aadat se nahin.

Us ka khata kholein aur sirf ek number dekhein: pehle plan ki kitni raqam abhi aani baqi hai. Yeh nahin ke kitni qisten de chuka hai. Yeh ke kitni reh gayi hain.

Farz karein fridge Rs 42,000 ka tha, barah mahine ka plan, aur saat qisten ho chuki hain. Paanch baqi hain, taqreeban Rs 17,500. Yeh woh paisa hai jo usi ghar ke budget se, usi tareekh par, paanch mahine aur aap ko aana hai.

Jo customer barah mein se gyarah qisten de chuka hai woh taqreeban azad hai. Jo atharah mahine ke plan ki sirf teen qisten de chuka hai woh pandrah mahine aur yeh bojh utha raha hai, aur doosra plan usi ke upar baithega.

Qaida chhota sa hai: pehla plan jitna khatam ke qareeb hoga, haan kehna utna hi asaan hoga. Baqi us ke baare mein kuch nahin badla.

Doosra imtihan: us ka mahina kitna utha sakta hai

Ab dono qisten jama karein aur total ko us cheez ke samne rakhein jo har mahine us ke ghar se nikalti hai.

Aap ko us ki aamdani rupay tak maloom nahin. Magar itna maloom hai ke us kaam ka banda kitna kama leta hai aur woh aap se kya kya khareedta hai. Ek imandar andaze ke liye itna kaafi hai, aur imandar andaza bilkul number na hone se behtar hai.

Farz karein Rafiq ki fridge wali qist Rs 3,500 hai. Washing machine ka plan aap Rs 2,800 mahana, das mahine ka banayenge. Dono mila kar Rs 6,300 har mahine. Us ka rashan ka khata bhi chalta hai, jo mahine mein taqreeban Rs 4,000 banta hai. Yani kiraya, bijli aur bachon ki fees se pehle hi us ghar se Rs 10,300 nikal jate hain.

Farz karein dono plan ek mahine mein saath saath chalte hain

Aap ke khayal mein woh ghar mahine mein kitna kamata haiRs 45,000

Aap ki had: us ka chauthai hissa, pehle se tayRs 11,250

Pehla plan, fridge ki qistRs 3,500

Doosra plan, washing machine ki qistRs 2,800

Dono qisten mila kar, usi had ke samneRs 6,300

Us ka aam rashan wala khata, har mahine chuktaRs 4,000

Har mahine us ke ghar se nikalta hua, kiraye aur fees se pehleRs 10,300

Yeh sirf misal hai, kisi asli dukan ya asli ghar ka dawa nahin. Apne number inhi chhe lakeeron mein rakhein aur aakhri line parhein.

Har customer ke liye ek had tay kar lein aur har baar naye sire se behes band kar dein. Ek chalti hui had yeh hai: ek ghar jitni qisten aap ko deta hai, woh us ki mahane aamdani ke chauthai hisse se aage kabhi na jayein. Agar aap Rafiq ke ghar ko Rs 45,000 mahana par rakhte hain to chauthai Rs 11,250 banta hai, aur Rs 6,300 ki qisten us ke andar aa jati hain. Rashan ka khata bhi jorein to baat tang hai, magar khari hai.

Apna hissa khud chunein. Paanchwan hissa mehfooz hai, teesra hissa jurrat wala. Ahmiyat is baat ki hai ke aap yeh hissa ek baar, kisi pursukoon ghari mein chunein aur phir har aane wale par lagayein. Pehle se tay ki hui had hi woh cheez hai jo us waqt bhi qaim rehti hai jab samne khara customer aap ko dil se acha lagta ho. Yehi aadat pehle se tay karti hai ke ek naam par kitna udhaar hona chahiye.

Teesra imtihan: sacha record kitni door tak le jata hai

Acha record asli cheez hai, aur woh utna bara nahin jitna mehsoos hota hai.

Waqt par di gayi saat qisten saat mahine sabit karti hain. Woh yeh sabit karti hain ke saat mahine us ka kaam chalta raha aur woh tareekh par aane wala banda hai. Woh yeh sabit nahin karti ke us ka kaam un bais mahinon tak chalta rahega jitne do plan ek saath chalenge.

To record ko kuch dilwayein, sab kuch nahin. Sacha dene wala barhi hui had kamata hai, kabhi bhi bina had ka darwaza nahin. Amli tor par is ka matlab hai ke us ke liye chauthai ko teesra hissa kar dein, ya doosri down payment maaf kar dein, ya jo lamba plan us ne maanga hai woh de dein. Is ka matlab kabhi yeh nahin ke had khatam ho gayi.

Sawal ka seedha roop khud se poochhein: agar chauthe mahine mein us ka kaam ruk jaye to dono plan mila kar kitni raqam khari hogi? Agar woh number dara de, to doosra plan bara hai, chahe record kitna hi acha ho.

Ek baat likhne se pehle apne aap ko keh lein. Qist ka markup ek hi baar ka nafa hai jo plan banate waqt dukandar khud tay karta hai, aur us ke baad woh kabhi barhta nahin. Der se aane wali qist par kuch bhi nahin lagta: na late fee, na der ka koi kharcha, ek rupya bhi nahin, kabhi nahin. Doosre plan ka apna ek baar ka markup us ke apne shuru mein lagta hai, aur baat wahin khatam.

Jis bande ne fridge ki ek qist nahin chhori, woh washing machine ki qist chhor sakta hai, kyunki paisa wohi hai aur jaib wohi. Qist waqt par na mile to kya karna hai, woh is liye narm nahin ho jata ke pehle woh acha tha.

Chautha imtihan: aap ki apni dukan kitna utha sakti hai

Yeh woh imtihan hai jo aksar dukandar chhor dete hain, aur yehi woh imtihan hai jo dukanein band karwata hai.

Qist plan aap ka paisa hai jo kisi aur ke ghar mein para rehta hai. Washing machine supplier se aap ko Rs 24,000 ki pari. Jis din aap ne woh machine di, usi din woh Rs 24,000 galle se nikal gaye, aur das mahine mein das chhote tukron mein wapas aayenge.

Mangal ka din, subah ke das baje, supplier ka aadmi bill haath mein liye shutter par khara hai. Aap ki kitab kehti hai ke chalees chalte huye plan par Rs 380,000 aane hain. Galle mein Rs 9,000 pare hain. Kaghaz par aap nafe mein hain aur samne khare aadmi ko dene ko kuch nahin. Doosre plan ka poora khatra isi tasveer mein hai.

To customer ke number tolne se pehle apne number tolein. Ginein ke chalte huye tamam plan mila kar kitna paisa bahar para hai. Phir poochhein: agar do hafton mein teen customer khamosh ho jayein to aap kya karenge. Agar sacha jawab "kahin se lena parega" hai, to kisi ke liye bhi doosre plan ki gunjaish nahin, aur us ke record ka is se koi taluq nahin.

Yeh gunjaish kis ko milegi, yeh faisla aap ka kaam hai, aur us ka insaaf raqam aur mahine se hota hai, dosti se nahin.

Do plan, do alag record, kabhi ek mila hua baqaya

Jab haan kehna ho to doosre plan ko haan kahein. Bare plan ko nahin.

Asaan lagne wala rasta yeh hai ke fridge ka baqaya aur machine ki qeemat jama kar ke ek hi plan bana dein aur ek bari qist likh dein. Kaghaz par saaf lagta hai. Yahan yeh sab se bura kaam hai.

Mila hua baqaya yeh chhupa deta hai ke kaunsi cheez ka paisa poora hua. Chaudah mahine baad woh kehta hai ke fridge to kab ka khatam ho gaya tha aur us ke baad ka sara paisa machine ka tha. Aap kehte hain ke har qist dono par bat rahi thi. Koi bhi kuch sabit nahin kar sakta, kyunki jis din aap ne dono ko mila diya usi din record ne is sawal ka jawab dena chhor diya.

Chhe cheezein jo doosre plan ki apni honi chahiyen

• Apna khata, naya khula hua, pehle mein jora hua nahin
• Cheez ka naam, qeemat aur model likha hua
• Apni down payment, cheez jane se pehle li gayi
• Apni tareekhon ka schedule, mahine ke usi din par
• Apni khatam hone ki tareekh, aisi jagah likhi jahan dono dekh sakein
• Zamin ki nayi haan, isi cheez aur isi raqam ke liye

Dono ko neeche tak alag rakhein. Alag record, alag schedule, cheez ka naam alag likha hua, khatam hone ki tareekh alag. Fridge poora hua to poora hua, aur aap yeh baat yaddasht se nahin, haath mein ek safha le kar keh sakte hain.

Wasoolo mein har plan apne khate mein apne schedule ke saath rehta hai, is liye dono kabhi ek number mein nahin milte, aur statement us ko saaf dikha deti hai ke kis cheez par kitna baqi hai. Woh safha ek baar us ke haath mein de dein, aur jo behes aap se customer chheen leti, woh shuru hi nahin hoti.

Woh darmiyani jawab jo haan aur na dono se behtar hain

Kamre mein sirf do darwaze nahin hain. Un ke darmiyan chaar jawab aur khare hain, aur aksar unhi mein se ek theek hota hai.

Bari down payment maangein. Agar pehle plan par das feesad li thi to doosre par bees ya pachees maangein. Is se khari raqam kam hoti hai, plan chhota hota hai, aur ek sachi baat bhi pata chalti hai: jo banda down payment nahin nikal sakta woh das qisten bhi nahin nikal sakega.

Plan chhota karein. Barah ki jagah chhe mahine. Mahana qist barhti hai, is liye usay dobara apni had ke samne rakhein, magar aap ka paisa aadhe waqt mein ghar aa jata hai aur pehle plan ke saath overlap thora sa rehta hai.

Pehle plan par teen qisten reh jane ka intezar karein. Yeh jawab sab se zyada dein. "Fridge par do qisten aur, phir machine aap ki." Woh tareekh wali haan sunta hai, inkar nahin. Aap ko overlap taqreeban nahin milta. Bhari dukan mein kisi ki hatak bhi nahin hoti.

Doosri cheez aam udhaar par de dein. Chhoti cheez ke liye yeh plan se saaf rasta hai: na schedule, na markup, rashan ke saath saath jaise ban paye woh utarta rahe. Bari cheez par udhaar aur qist ka farq bata deta hai ke is cheez ko kaunsa rasta chahiye.

Counter ka jawab, un lafzon mein jo baad mein bhi qaim rahein

✓Yeh kahein

• Fridge par do qisten aur, phir machine aap ki.
• Main Rs 2,800 mahana das mahine kar sakta hoon, aaj Rs 6,000 down.
• Yeh doosra plan hoga, apne safhe aur apni tareekhon ke saath.
• Likhne se pehle main aap ke zamin se khud baat kar loon.

✕Yeh na kahein

• Aap ne hamesha diya hai, le jayein, kisi tarah hisab ho jayega.
• Main isay fridge ke baqaye mein jor kar ek hi qist bana deta hoon.
• Jab ban paye de dena. Aap ke liye schedule ki zaroorat nahin.
• Aap ka zamin ek baar dastakhat kar chuka hai, yeh bhi usi mein aa gaya.

Chhoti baatein jo do plan asaan kar deti hain

Dono qisten mahine ke ek hi din par rakhein. Fridge ki qist 5 tareekh ki hai to machine ki bhi 5 hi likhein. Us ko ek tareekh yaad rakhni hai, ek chakkar, ek yaad dahani, aur aap ko dono adaigiyan ek hi minat mein nazar aa jati hain. Alag alag do tareekhein matlab dugna peechha aur dugna imkan ke koi qist reh jaye.

Zamin se dobara baat karein, roobaru. Jo shakhs Rs 42,000 ke fridge plan par khara hua tha, us ne Rs 28,000 aur ke liye haan nahin kahi thi. Yeh maan lena ke us ne keh di thi, ek hi dopahar mein do customer khone ka rasta hai. Usay bulayein, nayi cheez aur nayi raqam ka naam lein, aur nayi haan lein. Woh inkar bhi kar sakta hai, aur inkar kaam ki baat hai: aksar iska matlab hai ke us ghar ke mahine ke baare mein woh kuch janta hai. Itne bare plan par zamin chahiye bhi ya nahin, yeh apna alag sawal hai.

Doosra plan bilkul usi tarah likhein jaise pehla likha tha. Cheez, qeemat, down payment, qist ki raqam, tareekhein, aur dono ke dastakhat. Jis customer par bharosa ho, usi ke doosre plan par kaghaz chhora jata hai, aur wahin us kaghaz ki sab se zyada zaroorat hoti hai.

Aam sawalat

Us ne aaj tak ek qist nahin chhori. Kya yeh apne aap mein kaafi nahin?

Yeh achi gawahi hai, magar chhoti gawahi hai. Saat di hui qisten saat mahine sabit karti hain, woh bais mahine nahin jitne do plan chalenge. Record ko us ki had barhane dein, aur had qaim rakhein.

Kya dono plan mila kar ek hi qist bana dena zyada asaan nahin?

Nahin. Mila hua baqaya chhupa deta hai ke kaunsi cheez ka paisa poora hua, aur chaudah mahine baad koi behes tay hi nahin ho sakti. Do record, do schedule, do khatam hone ki tareekhein.

Ek customer ek saath kitne plan chala sakta hai?

Ginti se nahin, raqam se faisla karein. Us ki tamam qisten jama karein aur total ko us hisse ke samne rakhein jo aap ne pehle se tay kiya tha. Plan ki ginti khud jawab de deti hai.

Kya pehle plan ka zamin doosre plan par bhi chalta hai?

Aam tor par nahin, aur maan kar to bilkul nahin chalna chahiye. Khud us se baat karein, cheez aur raqam ka naam lein, aur nayi haan lein. Agar woh doosre par khara nahin hota to us baat ko sanjeeda lein.

Ab do plan ho gaye hain, to kya upar se kuch lena chahiye?

Nahin. Markup ek hi baar ka nafa hai jo plan banate waqt tay hota hai. Baad mein kuch nahin jurta, der se aane wali qist par koi late fee nahin, aur doosre plan ke doosra hone ka bhi koi kharcha nahin.

Jab samajh na aaye to sab se mehfooz jawab kya hai?

"Fridge par do qisten aur, phir machine aap ki." Yeh tareekh wali haan hai, us ka kuch kharch nahin hota, aur woh overlap khatam ho jata hai jo doosre plan ko khatarnak banata.