Jo pehle se udhaar da hai, us ka qist plan kaise banayein?

Dono ko alag rakhein. Purana udhaar apne safhe par rahe aur us ki apni chhoti muqarrar adaigi ho; naya plan alag khara ho, apni pehli raqam aur apni tareekhon ke saath. Kuch tay karne se pehle dono mahana raqmein jama karein, kyunki us ghar ko har mahine wohi total uthana hai, akeli qist nahin.

Safhe par Rs 9,000, aur ab use fridge chahiye

Naeem do saal se aap ke khate par hai. Us ka safha Rs 9,000 par hai, jo us ke liye aam baat hai: mahine ke beech barhta hai, tankhwah ke baad ghatta hai, aur poora zero kabhi nahin hota.

Ab wo aap ke saamne khara hai aur wo fridge maang raha hai jo aap Rs 62,000 mein mangwa sakte hain, aur kehta hai barah mahine ki qist kar dein. Wo sambhal lega.

Yahan do jawab ghalat hain. Pehla foran haan, kyunki wo achha customer hai aur sauda bhi achha hai. Doosra foran nahin, kyunki us par pehle se paisa hai.

Sahi jawab hisaab hai, aur is mein char minute lagte hain. Abhi wo kitna utha raha hai, plan kitna barhayega, aur kya ek ghar dono cheezein ek hi mahine mein de sakta hai bina is ke ke koi ek chup chap ruk jaye?

Purane balance ko plan mein na milayein

Pehla khayal yeh aata hai ke maamla saaf kar dein: Rs 9,000 fridge mein jor kar Rs 71,000 ka ek hi plan bana dein. Dekhne mein asaan lagta hai. Yehi wo ghalti hai jo aise intezam ko torti hai.

Teen wajhein, aur har ek baad mein kaat ti hai.

Plan ek cheez se juda hai jo aap ne tay shuda qeemat par bechi. Purana balance mahinon pehle khaya hua rashan hai. Ek baar dono mil jayein to phir dono mein se koi nahin bata sakta ke falan adaigi kis cheez ki thi, aur jis din bahes hoti hai us din ishara karne ko kuch nahin hota.

Doosri baat, purana balance achhe mahine mein foran saaf ho sakta hai jabke plan ko foran saaf karne ki zaroorat nahin. Mila dein to us se chhoti raqam saaf karne ki azaadi jati rehti hai aur aap se saaf safha.

Teesri aur sab se buri baat, agar plan toot jaye aur cheez wapas leni pare to aap nikal hi nahin sakte ke kitna cheez ka tha aur kitna purane rashan ka. Ise sulajhana azaab hai, aur yeh usi lamhe se shuru hota hai jab koi adaigi phisalti hai, jahan se qist waqt par na mile to ki baat shuru hoti hai.

To yeh do record hain, do tareekhein hain, aur do alag baatein hain. Saaf dikhna aur asaan hona ek cheez nahin.

Ek customer, do maamlay, dono alag alag

✓Aise rakhein

• Purana safha apna balance aur apni chhoti muqarrar adaigi rakhe
• Plan ki apni tareekhein, apni qist aur apna record ho
• Plan chalne tak purane safhe ki had wahin ki wahin rahe
• Mahine mein do adaigi ke din, taake wo bhi dono ko alag rakh sake
• Har mahine dono ka mila hua total dekhein, alag alag nahin

✕Aise nahin

• Purana balance cheez ki qeemat mein daal kar ek hi plan bana dena
• Qistein waqt par aane par purane safhe ko azaadi se barhne dena
• Paisa lete waqt yeh na batana ke wo kis cheez ka hai
• Sirf qist chhoti dikhane ke liye plan bohat lamba kar dena
• Adaigi der se aane par upar se kuch bhi jorna

Nikaalein ke wo waqai kitna utha sakta hai

Us se kuch kehne se pehle apne aap ko saaf saaf batayein.

Farz karein safha Rs 9,000 par hai aur fridge Rs 62,000 ka, barah mahine mein

Purane safhe par wo har mahine kitna deta haiRs 4,000

Usi safhe par har mahine naya saman kitna charhta haiRs 3,500

Yani purana safha tqreeban wahin ka wahinRs 500 kam

Plan ki qist, pehli raqam ke baghairRs 5,166

Rs 15,000 pehle de dein to qist banti haiRs 3,917

Ek ghar se aap ki dukan ko har mahine kitna aayegaRs 7,917 aur upar se saman

Us ka purana safha Rs 9,000 par hai aur wo us par har mahine taqreeban Rs 4,000 lata hai jabke taqreeban Rs 3,500 ka naya rashan usi safhe par charh jata hai. Wo safha ghat nahin raha, bas saans le raha hai.

Ab Rs 62,000 ka fridge barah mahine mein daalein, yani pehli raqam ke baghair Rs 5,166 mahana. Ab us ke ghar ko purane safhe ke liye Rs 4,000 aur plan ke liye Rs 5,166 nikalne hain, aur upar se wohi rashan bhi lena hai jo wo pehle leta tha. Yani ek ghar se ek dukan ki taraf har mahine Rs 9,000 se zyada.

Agar yeh waqai us ki aamdani ke andar hai to plan theek hai. Agar nahin hai to aap ko yeh baat char minute mein pata chal gayi, paanchwe mahine mein nahin, aur us ke baad ka sara kaam hisaab ko fit karna hai, umeed rakhna nahin.

Plan shuru hone se pehle purana safha chhota karein

Sab se saaf soorat wo hai jahan plan shuru hone se pehle purana balance chhota ho chuka ho, aur is ke teen imandar tareeqe hain.

Shuru mein hi saaf karwa lein. Wo Rs 9,000 ya us ka bara hissa plan shuru hone se pehle de de. Bohat se customer do teen hafte ki mohlat mein yeh kar lete hain, khaas kar jab unhein cheez chahiye ho.

Pehli raqam ki baat mein isay bhi shamil karein. Us ne pehle din paisa dena hi hai. Pehli raqam itni maangein jo purana safha bhi saaf kar de aur plan bhi khol de. Paisa wohi hai, lekin ab safha zero par hai aur plan saaf zameen par shuru hota hai.

Use rok kar barabar adaigi par laga dein. Agar upar ki dono baatein na ho sakein to purane safhe par ek muqarrar chhoti raqam tay karein, farz karein Rs 1,500 mahana, aur plan chalne tak us safhe par naya udhaar nahin. Use saaf pata hota hai ke kya kahan baqi hai, aur balance saans lene ke bajaye waqai ghatta hai.

Jo nahin karna wo yeh hai ke purana safha bilkul waise hi khula aur barhta hua chalta rahe aur us ke saath ek plan bhi shuru ho jaye. Yeh do khule paip aur ek aamdani hai.

Plan aisa banayein ke chal sake

Ab khud plan banayein, aur wo sab yaad rakhein jo aap us ke baare mein pehle se jaante hain.

Pehli raqam. Yahan aam se zyada lein, kam nahin. Bari pehli raqam har qist ko halka karti hai aur dono ko zarurat se zyada umeed-parast hone se rokti hai. Jo customer pehle se balance utha raha ho aur theek thaak pehli raqam na de sake, wo khud bata raha hai ke plan bara hai.

Muddat. Lamba plan meharban lagta hai aur aksar zyada sakht sabit hota hai: zyada mahine jin mein kuch bhi ghalat ho sakta hai, aur zyada arsa jab tak cheez waqai us ki nahin hoti. Muddat cheez ki apni umar se milayein, us sab se chhoti qist se nahin jo aap soch sakte hain.

Qeemat. Agar kiston par bechne par aap koi izafa lagate hain to wo ek baar ka izafa hai, plan banate waqt tay hota hai aur poori qeemat mein likha jata hai. Wo der hone par barhta nahin, aur der ki wajah se kabhi kuch nahin jora jata. Poori qeemat us ke likhne se pehle bol kar bata dein taake teesre mahine mein koi hairat na ho. Munsifana plan ki poori shakal qist plan kaise banayein mein mojood hai.

Tareekhein. Qist ka din us ki aamdani ke din se ek do din baad rakhein, aur purane safhe ki chhoti adaigi mahine ke kisi aur din. Do tareekhein, us ke zehan mein do alag lifafe.

Zamin, agar raqam bari hai. Mojooda balance ke upar plan ho to yeh aam se zyada munasib hai, aur agar aap ise raqam ka usool keh kar batayein, kisi shakhs par shak keh kar nahin, to bura bhi nahin lagta.

Jab rozana ka udhaar phir se phisalne lage

Asal mein jo kharabi hoti hai wo yeh hai. Qist har mahine imandari se aati rehti hai, aur purana safha dobara barhne lagta hai, kyunki use rashan phir bhi chahiye aur aap phir bhi likh rahe hain.

Is par khaas nazar rakhein. Plan sehatmand lagta rehta hai jabke kul waajib raqam charhti rehti hai, aur dono ko us din tak sab theek lagta hai jis din total achanak dara dene wala ho jata hai.

Do usool ise rokte hain. Purane safhe ki had plan ke dauran nahin hilti. Aur aap dono ka mila hua number dekhte hain, ek ek kar ke nahin. Agar mila hua number barh raha hai to plan gunjaish se bahar hai, chahe qistein kitni hi waqt par aa rahi hon.

Agar koi adaigi ruk jaye to plan aur safhe ko alag alag dekhein, aur shuruaat plan se karein, kyunki wo cheez se juda hai aur us ka schedule hai. Bari cheezon ke liye shuru se yehi soch behtar hai, aur yehi daleel bari cheez udhaar par ya qist par mein hai. Utni raqam maangein jo waqai waajib thi, poora balance nahin. Aur us ke aam udhaar ki had tay karte hue wohi soch rakhein jo udhaar kitna dena chahiye mein hai, is farq ke saath ke plan bhi wo paisa hai jo wo pehle se aap ka da hai.

Dono record seedhe rakhein

Ek hi customer ke do alag maamlay wohi jagah hai jahan kaghazi register uljhta hai, kyunki dono ek hi naam ke neeche hote hain.

Wasoolo mein qist plan apna alag khata hota hai jis ka apna schedule aur apni qiston ki tareekh hoti hai, jabke us ka aam udhaar safha wahin rehta hai jahan tha. Aap dono ek hi customer ke neeche dekh sakte hain bina is ke ke wo aapas mein mil jayein, is liye har adaigi usi cheez par lagti hai jis ke liye di gayi thi.

Plan ki tareekhein asal faida deti hain. Har qist ki apni tareekh hoti hai, is liye pata chalta hai ke kya kab diya gaya, aur customer ki yaad-dihani usi schedule se banti hai: agar wo customer wali app istemal karta hai to us ke apne login par notice, aur saath ek tap wala button jo WhatsApp chat kholta hai jis mein raqam tayyar hoti hai aur bhejte aap khud hain.

Jab poori qeemat mein wo ek baar ka izafa shamil ho jo shuru mein tay hua tha, to wo raqam plan ka hissa ban kar ek hi baar likhi jati hai, is liye jo balance us par hai wohi hai jo dono ne tay kiya tha. Aur kisi bhi record ka chhapa hua statement ek hi kaghaz par bahes khatam kar deta hai, jo yahan sab se zyada kaam ka hai, kyunki jo customer ek dukan par do cheezein utha raha ho wohi sab se jaldi hisaab bhoolta hai.

Aam sawalat

Wo achha customer hai aur mere mana karne se us ko bura lagega. Kya main sirf bharosa nahin kar sakta?

Bharosa bhi rakhein aur hisaab bhi karein, aur behtar hai ke us ke saamne karein. Dono mahana raqmein saath rakh kar dikhayein aur poochein ke kya yeh us ke mahine mein poori aa jati hain. Zyada tar customer is baat ki foran haan se kaheen zyada qadar karte hain, aur kai to total dekh kar khud chhoti cheez chun lete hain.

Purana balance plan mein kyun na milayein? Paisa to ek hi hai.

Paisa ek hai lekin cheez ek nahin. Ek tay shuda qeemat aur schedule ke saath ek cheez se juda hai, doosra mahinon purana rashan hai. Mila dein to yeh bhi nahin bataya ja sakta ke koi adaigi kis ki thi, chhota balance achhe mahine mein foran saaf nahin ho sakta, aur agar cheez kabhi wapas leni pare to dono ko koi alag nahin kar sakta.

Agar us ka paisa purane balance mein ja raha ho aur wo pehli raqam na de sake to?

To filhaal jawab yehi hai. Use kuch hafton mein purana safha saaf karne dein, cheez agar rok sakte hain to rok lein, aur plan tab shuru karein jab safha zero ya us ke qareeb ho. Jo plan mojooda balance ke upar bina pehli raqam ke shuru ho, wohi sab se zyada tootta hai.

Kya plan ke dauran us ka rozana udhaar bilkul band kar dena chahiye?

Bilkul band karne se wo aksar kisi doosri dukan par chala jata hai aur customer aap ka nuqsan hota hai. Us ke bajaye had bandhein: aam safhe par ek muqarrar had jo plan ke dauran nahin hilti, aur mahine ke beech mein koi riayat nahin. Us ki kharidari bhi chalti rehti hai aur total chupke se barhna band ho jata hai.

Wo lamba plan chahta hai taake mahana raqam chhoti ho. Kya yeh madad karta hai?

Ek had tak. Lamba plan ka matlab zyada mahine jin mein kuch bhi ghalat ho sakta hai, aur zyada arsa jab tak cheez poori us ki nahin hoti. Agar number sirf bohat lamba plan bana kar hi fit hote hain to imandar jawab aksar sasti cheez ya bari pehli raqam hai.

Us ne ek qist chhor di lekin rashan wala balance de diya. Is se kya pata chalta hai?

Yeh ke wo wohi de raha hai jo us ko zyada foran lagta hai, aur wo aksar wahi hota hai jahan us ka aap se rozana samna hota hai. Ise theek karne ke liye pehle plan ki baat karein, chhori hui raqam ki tareekh tay karein, aur jab tak plan poora nahin hota aam safha apni had par roke rakhein. Der par upar se kabhi kuch na jorein: is se adaigi ka masla jhagre mein badalta hai aur paisa jaldi nahin aata.