Purana udhaar maaf karein ya peechha karte rahein?

Peechha us waqt tak karein jab tak paisa hil raha hai, chahe aahista. Ruk jayein jab teen mahine maangne se kuch na aaye, jab maangne ka kharcha wapsi se barh jaye, ya jab taluq balance se zyada qeemti ho. Phir usay theek se, safhe par, tareekh ke saath maaf likhein, aur zehan se utaar dein.

Wo balance jo hilna chhor chuka hai

Har us dukan mein aisa ek hota hai jo udhaar deti hai. Rs 18,000 aisay customer ke, jo bilkul aam tha jab tak aam raha. Kisi mahine Rs 500 de deta hai. Zyadatar mahinon mein season ke baad wali koi baat keh deta hai.

Aap isay faisla samajhte hi nahin. Wo bas wahan hai, register ke peeche, aur har chand hafte baad koi cheez usay yaad dila deti hai aur aap ki shaam thori kharab ho jati hai.

Asal masla yehi hai, aur wo paise se bara hai. Purana balance khara nahin hai. Wo khamoshi se har mahine aap se thora kuch le raha hai, waqt ki shakal mein, mood ki shakal mein, aur us tawajjah ki shakal mein jo aap un bees customeron ko nahin de rahe jo dete hain.

Kisi maqam par dukandar ko do sachay jawabon mein se ek chunna hota hai. Ya peechha karein, theek se, ek tareeqe wale kaam ki tarah. Ya soch samajh kar maaf likh dein aur nuqsan ek baar uthayein, khijh ki qiston mein nahin. Zyadatar dukanein is ke bajaye teesri cheez karti hain: dono mein se kuch nahin, hamesha ke liye.

Maaf likhne ka matlab asal mein kya hai

Yeh pehle saaf kar lein, kyunke is lafz ka khauf logon ko isay kabhi istemal hi nahin karne deta.

Balance maaf likhna aap ke apne record ka faisla hai, customer ke naam paighaam nahin. Is ka matlab hai ke aap us paise ko aane wale paise mein ginna band kar dete hain, safhe par nishan laga dete hain taake jis total par aap bharosa karte hain wo sacha rahe, aur us par waqt lagana chhor dete hain.

Is ka matlab yeh nahin ke aap ne usay bol kar maaf kar diya, illa yeh ke aap khud batana chahein. Is se wo dena band nahin ho jata. Maaf likhe hue balance par paisa kabhi kabhi aa jata hai, aksar jab us shakhs ke haalat behtar hote hain, aur jab aaye to aap usay wasooli ki tarah darj kar lete hain.

Aur is ka yeh matlab to bilkul nahin ke entry ghayab ho jaye. Record rehta hai, raqam, tareekh aur wajah ke saath. Maaf likhne aur khone mein yehi farq hai: ek aisa safha chhorta hai jo teen saal baad parha ja sakta hai, doosra aisi yaad chhorta hai jo kisi doosri yaad se larhti rehti hai.

Aisa karne ki wajah yeh hai ke dukan ke number sachay hone chahiyein. Jis total mein aisa paisa shamil ho jis ki umeed kisi ko nahin, wo us ke baad ka har faisla thora ghalat kar deta hai, un mein yeh bhi ke is season aap kitna udhaar mehfooz tareeqe se de sakte hain.

Peechha karne ka asal kharcha

Dukandar nuqsan ki qeemat lagate hain aur peechha karne ki kabhi nahin. Ek baar laga kar dekhein to faisla aksar khud ho jata hai.

Farz karein Rs 18,000 chaudah mahine se pare hain

Us ke safhe par balanceRs 18,000

Guzre chhe mahinon mein wapas milaRs 1,500

Ek mahine mein chakkar, calls aur paighaamTaqreeban 3

Har ek mein waqt, aane jane samet20 minute

Saal bhar mein counter ke zaya hue ghante12 ghante

Aap ka counter ek ghante mein kya kamata haiRs 380

Us waqt ki qeemat, saath tel aur phoneRs 6,360

Isi raftar par saal bhar mein wapas aane walaRs 3,000

Isi raftar par peechha karna, saalanaRs 3,360 ka apna nuqsan

Farzi raqmein hain, sirf shakal samjhane ke liye. Kuch tay karne se pehle in lainon mein apne chakkar, apna ghanta aur apni wasooli rakhein.

Dekhein ke yeh hisab waqai keh kya raha hai. Yeh nahin keh raha ke peechha karna bekar hai. Yeh keh raha hai ke mahine mein teen chakkar, aisay balance ke liye jo chand sau rupay laata hai, wo kaam hai jo aap nuqsan par kar rahe hain aur tay kiye baghair kar rahe hain.

Waqt sab se bara hissa hai aur sab se kam nazar aata hai. Kisi darwaze par guzra ghanta wo ghanta hai jo aap ke counter par nahin guzra, aur aam din par aap ke counter ki ghante wali qeemat maloom hoti hai. Yeh asal number hai, koi falsafa nahin, aur yeh muqable mein shamil hona chahiye.

Phir wo hisse milayein jin ki koi raqam nahin hoti aur jo phir bhi maani rakhte hain. Wo kharab mood jo aap dukan mein wapas le kar aate hain. Wo tareeqa jis se customer aap ki gali se bachne lagta hai, jis ka kharcha wo saman hai jo wo khareedta. Aur aap ki apni tawajjah, jo mehdood hai, aur jo is waqt aap ke sab se kam nafa bakhsh taluq par lag rahi hai.

Is mein se koi baat yeh nahin kehti ke jaldi haar maan lein. Yeh kehti hai ke peechha karna aisa kaam hai jis ka kharcha hai, aur jis kaam ka kharcha ho us ke liye rukne ka usool chahiye.

Wohi hisab naye balance par lagayein to jawab ulta aata hai, aur asal baat yehi hai. Teen hafte purane Rs 18,000 do chakkaron mein aksar poore wapas aa jate hain, aur un do chakkaron ka kharcha wapsi ke muqable qareeb qareeb kuch bhi nahin. Wohi customer, wohi raqam, chaudah mahine baad, bees guna mehnat par us ka chhota sa hissa laati hai. Banday mein kuch nahin badla. Badla yeh ke qarz waqt ke saath apni shakal badalta hai, aur der ka har mahina wasooli ko mushkil aur mehnga karta hai, jo jaldi maangne ke haq mein sab se mazboot dalil hai.

Dono jawab aamne saamne

Yahan muqabla saaf shakal mein hai, taake nazar aaye ke har rasta waqai kya deta hai.

Peechha karte raheinMaaf likh dein

Purane balance se wapas milne wala paisaPeechha karte raheinThora, aahista, us ki marzi ke waqt parMaaf likh deinKabhi kabhi, jab us ke haalat badlein

Har mahine aap ka waqtPeechha karte raheinEk ghanta ya zyada, be waqt takMaaf likh deinBilkul nahin

Aap ki tawajjahPeechha karte raheinHar din par ek chhota bojhMaaf likh deinDene wale customeron ke liye khali

TaluqPeechha karte raheinJitna chale utna kharab hota haiMaaf likh deinNaqad shartoun par bach sakta hai

Aap ke totalPeechha karte raheinAisa paisa shamil jis ki umeed kisi ko nahinMaaf likh deinSachay, aur mansooba banane ke qabil

Sab se behtar kabPeechha karte raheinBalance naya ho aur hil raha hoMaaf likh deinTeen mahine maangne se kuch na aaya ho

Wo lakeer dekhein jo zyadatar maamlon ka faisla karti hai: aap ki tawajjah ka kya hota hai. Peechha karna qarz ko zehan mein zinda rakhta hai, aur zehan mein zinda qarz har din par ek chhota tax hai. Maaf likhna usay khatam kar deta hai, aur dukandar is faisle ke baad sab se zyada yehi batate hain, paise ki raahat se kahin zyada.

Yeh bhi dekhein ke jab balance waqai purana ho jaye to koi bhi rasta doosre se zyada paisa wapas nahin laata. Atke hue balance ka paisa tab aata hai jab us shakhs ke haalat badalte hain, aur wo us ke waqt par hota hai, aap ke chakkaron ke waqt par nahin.

Peechha karna ek cheez behtar karta hai: wo chalta hai. Balki pehle teen mahinon mein bohat acha chalta hai, aur isi liye zyadatar balancon ka asal jawab is safhe par hai hi nahin: wo yeh hai ke jaldi aur theek se maanga jaye, jis tarah udhaar wapas lene ke tarike mein bayan hua hai, taake balance us haal tak pohanche hi nahin jis par yeh tehreer hai.

Chhe nishaniyan ke ab rukna chahiye

Faisla usoolon se karein, mood se nahin, kyunke jis din koi bad tameezi karta hai us din mood badal jata hai.

Chhe nishaniyan ke peechha karna ab kaam nahin kar raha

• Teen mahine sachi koshish aur bilkul kuch wapas nahin aaya
• Saal se purana, aur daswan hissa bhi wapas nahin
• Saal bhar ka peechha utna hi kharch karta hai jitna laata hai
• Us ke haalat waqai tabah hain, sirf ruke hue nahin
• Us ghar ki kharidari balance se zyada qeemti hai
• Wo inkaar kar de to aap entry sabit nahin kar sakte

Pehli teen paise ke baare mein hain. Teen mahine maangne ke baad bilkul kuch na aana sab se saaf ishara hai, kyunke jo customer waqai koshish kar raha ho wo qareeb qareeb hamesha kuch na kuch de deta hai, chahe mamooli ho. Doosra ishara wo balance hai jo saal se purana hai aur jis ka daswan hissa bhi wapas nahin aaya. Aur teesra wohi hisab hai: jab saal bhar peechha karne ka kharcha us ke laaye hue ke barabar aa jaye, to yeh kaam nahin raha, aadat ban gaya.

Aakhri teen baqi sab ke baare mein hain. Agar us shakhs ke haalat waqai tabah ho gaye hain, bimari ya kaam ka chhoot jana ya karobar ka band ho jana, to peechha karna wasooli nahin, aisay banday par dabaao hai jis ke paas kuch hai hi nahin, aur mohalla bhi isay isi nazar se dekhta hai. Agar taluq balance se zyada qeemti hai, jo aam hai jab poora ghar aap se khareedta ho, to taluq bachayein. Aur agar aap entry sabit nahin kar sakte, kyunke record halka hai ya us par ikhtilaf hai, to aap qarz ka nahin, aisi behes ka peechha kar rahe hain jo aap jeet nahin sakte.

In mein se koi bhi do mil jayein to aksar kaafi hai. Chhe ki zaroorat kam hi parti hai, aur chhe ka intezar hi balance ko teesre saal tak le jata hai.

Wo darmiyani rasta jo pehle aazmana chahiye

Maaf likhne se pehle ek qadam aisa hai jo dono siron se zyada paisa laata hai, aur zyadatar dukandar seedha us ke upar se guzar jate hain.

Kuch tay karne se pehle hisab barabar karne ki peshkash

1. 1Maqsad batayein: khata band karna hai, saza dena nahinCounter se hat kar, jahan koi sun na raha ho.
2. 2Chhoti raqam batayein jo poora qissa khatam kar deAadhi raqam aam bhi hai aur chalti bhi hai.
3. 3Usay aise hisson mein baantein jin se wo shuru kar sakeChhe chhoti adaigiyan ek namumkin adaigi se behtar hain.
4. 4Peshkash par bhi tareekh lagayeinKhuli peshkash faisla nahin, wo bas pari rehti hai.
5. 5Poora intezam likhein, dono ke nishan ke saathYeh bhi ke beech mein ruk gaya to kya hoga.
6. 6Aakhri hissa aane wale din usay theek se band kareinUsay kuch dein jo keh raha ho ke khata band ho gaya.

Hisab barabar karne ki peshkash karein. Saaf kahein ke aap khata band karna chahte hain, ke aap ko maloom hai haalat mushkil rahe, aur ke aap chhoti raqam, chand chhote hisson mein, poora qissa khatam karne ke liye qabool kar lenge.

Yeh is liye chalta hai ke aap ki maang badal jati hai. Jis banday par Rs 18,000 hain aur us ke paas Rs 2,000 hain wo shuru hi nahin kar sakta, is liye kuch nahin karta, aur kuch na karna aap ke saath us ki aadat ban jati hai. Jis banday ko bataya jaye ke chhe adaigiyon mein Rs 9,000 poora qissa khatam kar dete hain, usay wo cheez mil gayi jo wo waqai shuru kar sakta hai, aur atke hue balancon mein isi shuruat ki kami hoti hai.

Do usool isay chalate hain. Peshkash par tareekh lagayein, taake wo faisla bane, aisi peshkash na rahe jo pari rehti hai. Aur poora intezam likhein, is samet ke agar wo beech mein ruk gaya to kya hoga, jo yeh hona chahiye ke balance wapas apni asli shakal mein aa jayega, jo diya wo minus kar ke.

Samjhein ke aap yahan chun kya rahe hain: kal ke Rs 18,000 ke bajaye aaj ke Rs 9,000 lena haar nahin, us number ke baare mein durust faisla hai jo apni qeemat pehle hi bata chuka hai. Yehi mantiq wasooli haftawar ya mahine ke aakhir ke neeche bhi chalti hai: jo paisa aa jaye wo us paise se qeemti hai jo kitabon mein waajib hai.

Aise maaf likhein ke maaf hi rahe

Agar aap rukne ka faisla karte hain to isay kaam ki tarah karein, dheeme dheeme ghayab hone ki tarah nahin. Jis balance ka phir kabhi zikr hi na ho wo dono jawabon ka bad tareen mila jula roop hai.

✓Soch samajh kar maaf

• Raqam, aaj ki tareekh, aur ek lakeer mein wajah
• Us total se nikala hua jis par aap mansooba banate hain
• Entry safhe par tareekh ki tarah maujood
• Taluq ke baare mein faisla, ek baar bata diya gaya
• Baad mein aane wali adaigi wasooli ke tor par darj

✕Khamoshi se ghayab

• Zikr hi band kar dena aur umeed rakhna
• Safhe par maari hui lakeer
• Total mein rehne dena kyunke haar maanna lagta hai
• Jab bhi wo guzray, baat chhair dena
• Us ke rishtedaron ko batana ke us par kitna hai

Safhe par entry likhein: raqam, aaj ki tareekh, aur ek lakeer mein wajah. Phir usay apne mutawaqqe total se nikal dein, taake jis number par aap mansooba banate hain wo sacha ho. Agar aap ka khata app mein hai to yeh lakeer maarne ke bajaye aam amal hai, aur Wasoolo band kiya hua balance customer ke apne safhe par nazar aane deta hai, is liye tareekh parhne layaq rehti hai halanke paisa ab waajib nahin ginta.

Taluq ke baare mein alag se, thande dil se faisla karein. Teen suraton mein se koi bhi jaiz hai: wo naqad par khareedta rahe aur koi zikr na kare, wo naqad par khareedta rahe aur aap usay bata dein ke khata band hai, ya wo customer hi na rahe. Ek chunein aur us par qayam rahein, kyunke aisi suraton mein nuqsan qareeb qareeb hamesha us moqif se aata hai jo bataya na gaya ho aur har koi apna andaza lagata rahe.

Phir waqai ruk jayein. Us ke guzarne par zikr nahin. Us ke rishtedaron se baat nahin. Jo maafi baar baar zubaan par aaye wo maafi nahin, wo kaghaz wali kudoorat hai, aur wo aap se wohi cheez cheen leti hai jis ke liye faisla kiya gaya tha.

Aur asal sawal band karein: yeh balance itna bara hua kaise. Qareeb qareeb har bara atka hua balance kabhi chhota tha, aur wo is liye barha ke kisi ne had nahin rakhi thi, ya counter par entry nahin likhi jati thi, ya kisi ne us maqam se aage bhi bechna jari rakha jahan khata rok dena chahiye tha. Yeh sawal saal purana udhaar ka kya karein mein hain aur customer har baar wada karta hai ki aadaton mein bhi, aur in ka jawab un Rs 18,000 se kahin zyada qeemti hai jo aap ne abhi maaf likhe.

Jab dono jawab theek na baithein

Do suraton mein aap ko kuch aur hi karna chahiye.

Pehli tab jab wo shakhs mile hi na. Yeh maafi ka faisla nahin, alag masla hai, aur us ke apne qadam hain jo customer gayab ho jaye to kya karein mein rakhe hain. Maaf sirf us waqt likhein jab aap ne pate aur us ke aas paas ke logon ko waqai aazma liya ho, kyunke sustii mein likhi hui maafi aap ko kuch nahin sikhati.

Doosri tab jab raqam itni bari ho ke dukan ke saal par asar daal rahi ho. Bohat bari atki hui raqam pehle theek koshish ki haqdaar hai: counter se hat kar ru ba ru baat, sachi lachak ke saath hisab barabar karne ki peshkash, aur agar raqam is ke qabil ho to us ke ghar ke kisi banday ki mojoodgi mein likha hua intezam. Us ke baad hi maafi maani rakhti hai, aur us waqt tak aap ko theek pata hoga ke aap yeh kyun kar rahe hain.

Baqi sab ek usool par chalta hai, aur poore muqable se yehi lene layaq hai. Faisla karein. Jo dukandar soch kar peechha karta hai wo apna kaam kar raha hai. Jo dukandar soch kar maaf likh deta hai wo bhi apna kaam kar raha hai. Jo dono mein se kuch nahin karta wo dono ki qeemat har mahine ada karta hai, aur usi cheez se ada karta hai jo dobara khareedi nahin ja sakti.

Aam sawalat

Maaf likhne se pehle kitna arsa peechha karun?

Mahinon se nahin, harkat se andaza lagayein. Agar teen mahine sachi koshish ke baad bilkul kuch wapas nahin aaya, aur balance saal se purana hai jis mein qareeb qareeb kuch wasool nahin hua, to peechha karna kaam karna chhor chuka hai.

Kya maaf likhne ka matlab hai ke maine usay maaf kar diya?

Nahin. Yeh aap ke apne record ka faisla hai, taake jin totalon par aap mansooba banate hain wo sachay hon. Usay kuch batana hai ya nahin aur kya kehna hai, yeh alag faisla hai jo soch kar karna chahiye, us ke andaze par nahin chhorna chahiye.

Wo baad mein de de to kya main le sakta hoon?

Haan, aur yeh logon ki umeed se zyada hota hai. Jis din aaye usi din wasooli ke tor par darj kar lein. Maaf likhi hui entry safhe par tareekh ki tarah rehti hai, aur isi liye usay theek se likhna maani rakhta hai.

Kya aadha balance qabool karna bura sauda hai?

Us balance ke liye nahin jo hilna chhor chuka ho. Jo paisa aa jaye wo us se qeemti hai jo sirf kitabon mein waajib hai, aur tareekh wali peshkash customer ko wo cheez deti hai jo wo waqai shuru kar sakta hai, aur atke hue balancon mein isi ki kami hoti hai.

Maaf likhte waqt customer ko kya batayein?

Ya kuch nahin, ya ek thanda jumla ke khata band hai aur wo naqad par khareed sakta hai. Dukanon ko nuqsan wo moqif deta hai jo bataya na jaye, jahan usay pata nahin ke wo kahan khara hai aur aap ko pata nahin ke wo dukan mein aaye to aap kya karenge.

Yeh dobara na ho, is ke liye kya karun?

Har customer ki had aur poori dukan ki had, counter par likhi jane wali entries, aur us din rok jis din khata apni had par pohanche. Har bara atka hua balance kabhi chhota tha jise kisi ne roka nahin.