Jab saath wali dukan wala udhaar mange

Isay ehsan nahin, qarz samjhein, tab hi dosti bhi bachti hai. Poochein ke paisa kis liye chahiye aur wapsi kahan se aayegi, tareekh tay karein, likh lein, aur sirf utna dein jitne ke bagair aap ki dukan ek mahina aaram se chal sake. Aur agar sachcha jawab na hai, to usi din na kehna behtar hai.

Yeh farmaish customer ki farmaish se alag kyun hai

Customer maal maang raha hota hai. Saath wala dukandar chalti hui poonji maang raha hota hai, aur yeh bilkul doosri cheez hai.

Woh laparwahi ki wajah se tang nahin hai. Us ki koi adaigi der se aayi, ya supplier ne cash maang liya, ya us ki apni kitab aise naamon se bhari hai jinhon ne paisa nahin diya. Yeh sab aap khud jaante hain kyunke aap ke saath bhi hota hai, aur yehi mushtarka tajurba is farmaish ko mana karna itna mushkil bana deta hai.

Phir bazaar bhi saamne hota hai. Yeh shakhs aap ko har roz milega, subah shutter par aur raat band karte waqt. Jo inkar bura lag jaye woh customer ki mayoosi ki tarah gayab nahin hota; woh barson aap ke saath wali dukan par baitha rehta hai.

Is liye asal sawal kabhi yeh nahin hota ke "kya main de sakta hoon". Sawal yeh hai ke "kya main is tarah de sakta hoon ke aage jo bhi ho, taalluq bacha rahe", kyunke aage aksar kuch na kuch hota zaroor hai.

Galle se paisa nikalne par kitna kharch aata hai

Galle mein para hua paisa bekaar nahin para hota. Us ne kuch na kuch karna hota hai.

Farz karein galle se Rs 20,000, do hafton ke liye

Jo cash aap us ke haath mein dete hainRs 20,000

Isi paise ka jo maal aap kharidteRs 20,000

Us maal par aap ka aam munafa12%

Jitne arse paisa bahar raha, us ki kamai chhoriRs 2,400

Paisa waqai kitne din bahar raha51, na ke 14

Woh ehsan, imandari se juda huaRs 2,400 aur ek tang mahina

Aakhri line wohi hai jis ka andaza sab se kam lagaya jata hai. Maanga do hafton ke liye jata hai aur tqreeban koi bhi wada torne ke irade se nahin maangta, magar us ki wapsi us ki apni wasooli par khari hai, aur us ki wasooli theek utni hi ghair yaqeeni hai jitni aap ki.

Der ka koi muawza us se na lein. Der par koi izafi raqam nahin, us ke munafe mein hissa nahin, upar se kuch nahin. Parosiyon ke darmiyan woh qarz jo barhta hai taalluq khatam kar deta hai, aur woh raqam kabhi is qeemat ke barabar nahin hoti.

Is ke bajaye qarz ka size us der ke hisab se rakhein jis ki aap ne planning nahin ki. Khud se poochein ke agar yeh paisa do ke bajaye saat hafte bahar rahe to dukan kaisi lagegi. Agar tab bhi tasveer theek hai to de dein. Agar us se aap apne supplier ko nahin de payenge to jawab na hai, chahe woh shakhs kitna hi qabil-e-etibaar ho, aur is mein us ki zaat par koi harf nahin.

Haan kehne se pehle teen sawal

Dukanon ke darmiyan zyadatar buray qarz char second mein tay hote hain, khare khare, jab koi intezar kar raha hota hai.

Haan kehne se pehle yeh sawal khud se poochein

• Kya meri dukan yeh paisa bahar rehte hue ek mahina hasb-e-mamool chal sakti hai?
• Kya mujhe ek saaf jumle mein maloom hai ke usay kis cheez ke liye chahiye?
• Jo paisa mujhe wapas milega woh kahan se aa raha hai?
• Agar yeh paisa kabhi wapas na aaye, kya main phir bhi usay shutter par salam karunga?
• Kya maine raqam aur tareekh aisi jagah likh li hai jo hum dono maante hain?
• Main haan is liye keh raha hoon ke chahta hoon, ya is liye ke bazaar dekh raha hai?

Beech wala sawal sab se zyada kaam karta hai. "Paisa kis liye chahiye" sunne mein dakhal andazi lagta hai magar do kaarobari logon ke darmiyan bilkul aam baat hai, aur us ka jawab qareeb qareeb sab kuch bata deta hai. Kisi pakke order ke maal ke liye qarz us qarz se bilkul alag hai jo baar baar khulne wale kisi surakh ko band karne ke liye maanga jaye.

Aakhri sawal par apne aap se sachcha hona zaroori hai. Bazaar mein bohat se qarz sirf is liye diye jate hain ke do doosre dukandaron ke saamne mana karna namumkin laga. Yeh dabao asli hai, aur Rs 20,000 hilane ki yeh sab se buri wajah bhi hai. Agar haan ke peeche yehi hai to hal yeh hai ke ek aisa usool ho jo aap zubani keh sakein, na ke faisla jo majma ke saamne karna pare.

Aur is paise ko zehen mein apne ghar se alag rakhein. Dukan se diya gaya qarz dukan ka paisa hai aur dukan ke hisab mein hi rehna chahiye, wohi nazm jo dukan aur ghar ka paisa alag rakhne mein chahiye hota hai.

Maal dena bhi qarz hi hai

Aksar usay cash nahin chahiye hota. Usay chaar carton chahiye hote hain taake weekend nikal jaye jab tak us ki apni delivery atki hui hai.

Yeh aam taur par behtar cheez hai aur dukandar is ko kam samajhte hain. Is mein aap ka kharch bikri ka nahin, kharid ka rate hai, galla khali nahin hota, aur woh maal ya paisa ban kar us raqam par wapas aata hai jo dono ko saaf maloom hai.

Magar hai woh phir bhi qarz, aur us ke saath sulook bhi wohi hoga. Likh lein ke kya gaya, kis rate par, aur kis tareekh ko wapas aana hai. "Chhote size ke chaar carton, mere kharid rate par, Jumme tak wapas" aisa jumla hai jise ghalat yaad nahin kiya ja sakta.

Uljhan tab barhti hai jab wohi shakhs woh bhi ho jis se aap kabhi kabhi kharidte hain. Phir maal dono taraf chalta hai aur totals aapas mein larne lagte hain, theek wohi museebat jo ek hi banda customer bhi ho aur supplier bhi mein hoti hai. Dono taraf ko alag line par rakhein aur ek ek kar ke tay karein.

Likh lein, khas taur par doston ke darmiyan

Dil kehta hai ke likh lena us ki tauheen hai. Amal mein us ka ulta sach hai, aur bazaar ka har tajurbakar dukandar isay jaanta hai.

Bina likhe qarz ki koi tareekh nahin hoti, adhoori adaigiyon ke baad us ka theek number nahin hota, aur jab dono ko alag alag yaad ho to us ka koi jawab nahin hota. Aadmi ki tauheen likhi hui line se nahin hoti. Tauheen tab hoti hai jab aath maheenay baad us se woh raqam maangi jaye jo us ke khayal mein woh laut chuka hai.

Isay wahin rakhein jahan baqi sab kuch hai jo aap ko milna hai. Wasoolo mein diya gaya qarz customer ke udhaar se alag darj hota hai, is liye parosi ke Rs 20,000 aap ke dukan wale baqayon mein chhup nahin jate, aur adhoori adaigiyan aate hi us mein se katti rehti hain.

Phir paisa dete waqt ek baar usay parh kar suna dein, aur is ke baad bina wajah kabhi na chherein. Bas itna hi hai: ek saaf line, ek saaf parhai, aur us ke baad bharosa apna kaam karta hai, magar us ke neeche kuch thos hota hai. Yehi nazm rishtedaron aur doston ko udhaar dene ko bhi qabil-e-bardasht banata hai.

Jab paisa wapas na aaye

Kuch qarz kharab hote hi hain, aur pehle mahine ka rawaiya tay karta hai ke paisa milega ya lambi khamoshi.

Jaldi poochein aur thora poochein. Tay tareekh ke agle hafte, chaar maheenay baad nahin, aur poori raqam ke bajaye us ke ek hisse ka. Jo parosi Rs 20,000 nahin de sakta woh aksar Rs 5,000 de deta hai, aur ek baar kuch chalna shuru ho jaye to baqi bhi chalta hai.

Yeh baat alag mein karein, us ke counter par customeron ke saamne kabhi nahin. Dukanon ke darmiyan sar-e-aam dabao aisa nuqsan karta hai jo raqam se lamba chalta hai, aur bazaar ke baqi dukandar khamoshi se yeh tay kar lete hain ke aap se bachna behtar hai.

Agar woh waqai nahin de sakta to maal le lein, qisten le lein, jo asal mein mumkin ho woh le lein. Aur agar woh aap se katrane lage to us ke saath wohi sulook karein jo gayab hote hue customer ke saath karte hain: thande rahein, raabta rakhein, darwaza khula rakhein, aur jab tak baqaya na hile aage kuch na dein.

Aam sawalat

Kya aisi dukan ko qarz dena chahiye jo wohi cheezein bechti hai jo main bechta hoon?

De sakte hain, aur har bazaar mein aisa hota hai, magar yeh saaf rakhein ke aap ek muqable wali dukan ka maal fund kar rahe hain, aur haan kehne se pehle is par dil se raazi hon. Khatra aam taur par yeh nahin ke woh jaan boojh kar aap se sasta bechega. Khatra yeh hai ke aap ka paisa theek un hafton mein us ka shelf bharega jab aap ka shelf khali hoga, aur kisi susti wali dopehar mein yeh baat mehsoos hogi. Utna hi dein jitna aap saamne wali dukan par chalte hue bina kudhe dekh sakein.

Woh chahta hai ke maal leta rahe aur bikne par paisa deta rahe. Kya yeh qarz hai?

Bilkul hai, aur bara baqaya bane ka yeh sab se aasan raasta hai jis ki kisi ko khabar nahin hoti. Bina tareekh ke khule intezam par maal jana udhaar hi hai, aur is ki hadd aur hisab ka din bilkul waise hi chahiye jaise kisi customer ke khate ka hota hai. Ek hadd tay karein, har mahine ek muqarrar din par hisab barabar karein, aur chalta hua total aisi jagah rakhein jo dono ko nazar aaye. Warna aap khamoshi se us ke supplier ban chuke hain, magar un shartoon ke bagair jin par supplier israr karta hai.

Aakhir kitna qarz dena munasib hai?

Ek kaam ka usool yeh hai: utna jitna poora doob jane par bhi aap ki dukan ka chalna na badle. Woh nahin jitna is waqt darazi mein para hai, kyunke woh aksar is se kaheen bara hota hai aur pehle se aap ke apne supplier ke naam bola hua hota hai. Is ka sachcha jawab tab hi milta hai jab aap ko apni asal soorat-e-haal maloom ho, isi liye jis dukan ki rozana ginti bharose ki hai woh yeh jawab second mein de deti hai aur jis ki nahin, woh nahin de pati.

Woh dobara maang raha hai aur pehli raqam ab tak bahar hai. Kya kahun?

Sach ek thande jumle mein keh dein aur us par koi sajawat na karein. "Pehli raqam abhi khuli hai, is liye us par aur nahin barha sakta, lekin us ki tareekh aaj tay kar lete hain." Yeh us shakhs ka inkar nahin, ek adhoore qarz par doosra qarz charhane ka inkar hai, jo har dukandar samajhta hai. Jo nahin karna woh yeh hai ke baat khatam karne ke liye haan keh dein aur phir saal bhar dil mein kudhte rahein.

Kya koi cheez zamanat ke taur par rakh leni chahiye?

Saath wali dukanon ke darmiyan yeh aam nahin hai aur ilzaam jaisa lagta hai, is liye zyadatar log nahin rakhte. Agar raqam itni bari hai ke aap zamanat chahte hain to yeh khud is baat ka saaf ishara hai ke raqam is qism ke intezam ke liye zyada bari hai. Usay itna chhota kar lein ke likhi hui line aur tareekh hi kafi tahaffuz ho, ya cash ke bajaye maal dein taake aap ka khatra bikri ke bajaye kharid ke rate par rahe.

Kya parosi ki madad waqai laut kar aati hai?

Aksar aati hai, magar us shakal mein nahin jis ki tawaqqo hoti hai. Wohi ehsan wapas kam hi milta hai; jo milta hai woh aisa dukandar hai jo customer aap ki taraf bhejta hai, supplier ke rate hilne par aap ko pehle bata deta hai, aur zaroorat par ek ghanta aap ka counter sambhal leta hai. Yeh waqai qeemti hai aur madad karne ki achhi wajah hai. Yeh us paise ka qarz dene ki wajah nahin jo aap ki dukan bardasht nahin kar sakti, kyunke bazaar ka nuqsan ek dukan band hone se us se kaheen zyada hota hai jitna ek inkar se hota hai.