Udhaar kitna dena chahiye, aur kis ko dena chahiye

Hadd pehle tay karein, us waqt nahin jab customer samne khara ho. Chhoti dukan ke liye mahfooz hadd taqreeban ek hafte ki aam khareedari hai, aur purana balance kam hone tak naya saman counter se bahar nahin jata. Yeh number ek dafa zubani bata dein aur har mahine poori list dekh lein.

Jo number kabhi tay hi nahin hua, wohi nuqsan deta hai

Kisi bhi dukandar se poochein ke woh kitna udhaar deta hai, to jawab mein sirf kandhe uthte hain. Lekin agar poochein ke Nazir sahib ka kitna baqi hai, to number rupay tak theek batata hai, aur sath mein ek chhoti si aah bhi aati hai.

Yehi asal masla hai. Raqam hamesha baad mein maloom hoti hai, pehle kabhi tay nahin hoti. Koi dukandar pir ki subah baith kar yeh nahin kehta ke Nazir zyada se zyada Rs 5,000 tak le sakta hai, is se aage ek rupya bhi nahin. Woh do sau leta hai, phir chaar sau, phir shadi se pehle aata ka poora bora, aur ek shaam aap Rs 9,400 dekh rahe hote hain, us aadmi ke samne jo hafte mein Rs 300 ka saman khareedta hai.

Yahan koi be-imani nahin hui. Na us ne yeh soch kar kiya, na aap ne. Number sirf is liye barh gaya ke koi number tha hi nahin.

Hadd customer ke khilaf deewar nahin hai. Yeh ek faisla hai jo aap sukoon se subah karte hain, un tees chhote faislon ki jagah jo shaam chhe baje bheer mein, thake hue, ghalat ho jate hain.

Naye chehre ko udhaar dene se pehle teen sawal

Aisa aadmi jise aap ne pehle kabhi saman nahin diya, aaj udhaar maang raha hai. Aap ke paas das second hain, aur bina soche haan keh dena hi zyada tar kharab balance ki shuruaat hai.

Woh rehta ya kaam kahan karta hai? Poora pata nahin chahiye. Ek gali, ek workshop, ek school, ek adda. Jis aadmi ki jagah aap naam le kar bata sakte hain, usay aap dhoond bhi sakte hain. Jo kehta hai "bas yahin qareeb hi" aur nazrein hata leta hai, us ke bare mein aap baad mein doston ko afsos ke sath batayenge.

Usay aur kaun janta hai? Bazaar mein is ka kharch sirf ek sawal hai, saath wali dukan se. Agar poori qatar mein kisi ne uska naam nahin suna, to yeh koi saboot nahin, magar itna zaroor hai ke aaj ki raat Rs 3,000 ka saman udhaar par dene ki raat nahin hai.

Usay zarurat hai, ya woh sirf aaj paise nikalna nahin chahta? Dihari wala banda jo jumeraat ko tang hai aur jumay ko tankhwah leta hai, saalon ka acha customer hai. Lekin jis ki jeb mein paise mojood hain aur woh bas unhein rakhna chahta hai, woh aap ki dukan ko aisi aadat sikha raha hai jo aap ko pasand nahin aayegi.

Pehle mahine sirf cash, ya bohat thori raqam. Yeh saza nahin hai. Bank do hafte ke kaghazon se yehi kaam karta hai, aap das second mein apne dimagh mein kar lete hain.

Hadd nikalne ka tareeqa, ek minute ka kaam

Poora tareeqa itna hi hai ke ek parchi ke peeche aa jaye. Dekhein woh customer ek aam hafte mein kitna saman leta hai. Wohi uski hadd hai. Usay aisay number tak round kar dein jo aap bina jama karay zubani keh sakein.

Farz karein: ek customer ki hadd nikalna

Rasheed aam din mein kitna khareedta haiRs 180

To ek hafte meinRs 1,260

Aisa number jo zubani bola ja sakeRs 1,500

Aaj shaam uska balanceRs 2,900

Yani hadd se uparRs 1,400

Aaj raat woh saman legaCash par, jab tak kam na ho

Yeh misal ke number hain, koi survey nahin. Apna customer dalein: ek aam din, saat se zarb, aur upar round.

Ek hafta is liye ke zyada tar logon ki tankhwah isi tarah chalti hai. Mahine wala mulazim mahine bhar ki khareedari sambhal sakta hai, lekin tab jab woh das barah dafa apna balance saaf kar chuka ho. Jis se aap ki mulaqat pichle mahine hui, usay ek hafta milta hai, aur do dafa saaf karne tak us se zyada kuch nahin.

Number badal sakta hai, aur badalna bhi chahiye. Jo customer har mahine apna khata saaf kar deta hai, us ne bari hadd kama li hai, aur usay dena hi woh wafadari banata hai jo koi doosri dukan paise se nahin khareed sakti. Jis ne Rs 2,000 dene mein chaar mahine lagaye, us ki hadd chhoti honi chahiye, aur us ke sath narmi baratna meherbani nahin hai.

Jo kabhi nahin hona chahiye woh yeh hai ke hadd sirf is liye barh jaye ke shaam ho gayi hai aur aap behas se tang aa chuke hain.

Hadd zubani bata dein, pehle hi

Jo hadd sirf aap ke dimagh mein hai, woh kuch nahin karti. Woh aata hai, saman maangta hai, aur aap ya to de dete hain ya aisi wajah se mana karte hain jo us ne pehle kabhi suni hi nahin. Yahin acha customer naraz customer ban jata hai.

Is liye yeh baat pehle karein, kisi sukoon wale din, jab uska balance kam ho ya bilkul na ho.

"Tariq bhai, main sab ke liye taqreeban Rs 2,000 tak chalata hoon. Us se upar jaye to pehle saaf karte hain, phir aage."

Dekhein yeh jumla kya karta hai. Yeh dukan ka usool hai, us ki zaat par faisla nahin, aur sab par barabar lagta hai. Aur yeh us waqt kaha gaya jab woh thaila haath mein liye khara nahin tha aur peeche teen log intezar nahin kar rahe thay. Wohi lamha hota hai jab inkar zaati lagne lagta hai.

Hadd is tarah batayein ke kisi ko bura na lage

✓Yeh chalta hai

• Sukoon wale din batayein, jab uska balance kam ya sifar ho
• Dukan ka usool bata kar kahein, jo sab par lagta hai
• Screen ya safha uski taraf ghumayein, balance khud parhe
• Thora cash aur thora udhaar dein, khali haath kabhi na jaye
• Agli teen dafa bhi wohi number dohrayein

✕Is se jhagra shuru hota hai

• Doosre customers ke samne uska balance na sunayein
• Shaam ki bheer dekh kar number na badlein
• Uski biradari ya uske jaison ke bare mein kuch na kahein
• Chaar dafa maaf kar ke paanchwin dafa inkar na karein
• Inkar ki wajah uski zaat ko na banayein

Shaam saat baje Shakeel ko Rs 900 ka silinder chahiye aur us ke zimme pehle hi Rs 1,800 hain, jab ke hadd Rs 2,000 hai. Aap inkar nahin karte. Aap balance bol kar sunate hain, Rs 700 abhi cash lete hain aur Rs 200 khate mein dalte hain. Woh silinder le kar jata hai, aap ki hadd bhi qayam rehti hai, aur aisi koi baat nahin hui jis par kal maafi maangni pare.

Purana customer hadd se upar chala jaye to

Kisi na kisi din aisa banda hadd cross karega jis par aap ko bharosa hai. Hospital ka hafta, shadi, ya bas ek bura mahina. Seedha inkar zulm bhi hoga aur bewaqoofi bhi, kyunki yehi woh customer hai jis ne aap ko pachas dafa paise diye hain.

Isay counter par ke faisle ki jagah ek plan ki tarah lein. Teen jumle kaafi hain: kitna, kab tak, aur is dauran kya chalega.

"Le jayein. Rs 3,500 ke baad aap Rs 6,000 par ho jayenge. Das tareekh ko Rs 2,000 aur pachees ko Rs 2,000 de dein, us ke baad sab pehle jaisa."

Phir woh dono tareekhein wahan likhein jahan aap ki nazar waqai parti hai. Jo waada likha na gaya ho, usay dono log alag alag yaad rakhte hain. Khata phone par hai to tareekh usi mein daal dein aur yaad dahani khud aap tak aane dein. Register hai to pehle safhe par ek line achi yaadasht se hamesha behtar hai.

Jo bilkul nahin karna woh yeh hai ke balance khamoshi se barhta rahe aur chauthe mahine achanak ghussa nikal jaye. Jo raqam aap ki apni ijazat se dheere dheere wahan pohanchi hai, us ka poora ilzam akela us par nahin daala ja sakta, aur yeh baat dono ko maloom hoti hai.

Mahine mein ek dafa poori list dekhein

Hadd ek customer ka usool hai. Yeh poori dukan ka usool hai, aur har mahine usi tareekh ko bees minute mangta hai.

Woh bees minute jo poori list seedhi rakhte hain

1. 1Ek tareekh chunein aur usi par qayam raheinMahine ki pehli, ya jis din apne supplier ka hisab hota hai us ke agle din.
2. 2Poori list ka total ek dafa nikaleinYehi total tay karta hai ke agle mahine udhaar kitni asani se bahar jayega.
3. 3Jo apni hadd se upar hain unhein nishan lagayeinBara balance nahin, balke woh jo us shakhs ki apni hadd se zyada hai.
4. 4Jo tees din se khamosh hain unhein bhi nishan lagayeinNa khareedari na adaigi. Yehi chupke se kharab hote hain.
5. 5Har nishan zada naam ke samne ek line ka plan likheinKitna, kab tak. Do lafz kaafi hain, taqreer nahin.
6. 6Do hadden badleinJis ne do dafa saaf kiya uski barhayein, jis ne chaar mahine lagaye uski kam karein.

In bees minton se do cheezein nikalti hain. Pehli, kul total, jo zyada tar dukandaron ko pehli dafa jama karne par waqai hairan karta hai, aur khamoshi se tay kar deta hai ke agle mahine udhaar kitni asani se bahar jayega. Doosri, woh khamosh naam. Bare defaulter to pehle hi zehan mein hote hain, magar woh aadmi jis ne chhe hafte se na kuch khareeda na kuch diya, woh dimagh se bilkul nikal chuka hota hai.

Aap ka khata kagaz par hai to mahine ki pehli ko chai ke sath pen le kar baith jayein. Phone par hai to balance aur aakhri adaigi ki tareekh se tarteeb lagane mein chand second lagte hain, aur aap ka kul lena screen par khud mojood hota hai. Wasoolo download free hai aur yeh dono cheezein bina jama kiye dikhata hai.

Inkar kaise karein ke dushmani na ho

Kuch inkar zaroori hote hain. Kamal sirf itna hai ke customer yeh samajh kar jaye ke usool ne mana kiya hai, aap ne nahin.

Wajah aisi dein jo dukan ke bare mein ho. "Mere apne supplier ki adaigi paanch tareekh ko hai, is liye is hafte main khud tang hoon" yeh baat taqreeban har chhoti dukan mein sachi hoti hai aur is par behas mumkin nahin. Wajah kabhi us ki zaat ke bare mein na dein, aur us jaison ke bare mein to bilkul kuch na kahein. Aisa jumla jhagre ke baad das saal tak zinda rehta hai.

Aadha de dein. Jo aadmi Rs 1,500 ka saman chahta tha aur Rs 700 ka saman cash le kar saaf khate ke sath jata hai, woh dushman nahin hai. Jo bilkul khali haath, doosron ke samne se uthta hai, woh ek ghante ke andar agli dukan par yeh kahani suna raha hota hai.

Aur darwaza ek tareekh ke sath khula rakhein. "Jumay tak yeh saaf kar dein, hafte ko phir naya shuru" is se inkar ek plan ban jata hai. Yeh woh kaam bhi karta hai jo saada mana kabhi nahin karta: usay wapas aane ki wajah deta hai, aur purane customer ko rokna hi asal kamai hai, ek shaam jeetna nahin.

Aakhri baat sab se mushkil hai aur us ka paison se koi taluq nahin. Jo dukandar kabhi mana nahin karta woh sakhi nahin hota, woh sirf ek na-pasandeeda baat ko us waqt tak taal raha hota hai jab tak woh mehngi na ho jaye. Sab se meherban hadd wohi hai jo pehle, aam awaz mein, us bande ko batayi jaye jis ke zimme abhi kuch bhi nahin.

Aam sawalat

Bilkul naye customer ko kitna udhaar dena chahiye?

Pehle mahine ya to kuch nahin, ya bohat thora, taqreeban ek din ki aam khareedari jitna. Usay do dafa saaf karne dein, phir hadd barhayein. Chhoti dukan ka har bara nuqsan taqreeban hamesha aisi hi ek bari pehli raqam se shuru hua tha, jo aise bande ko di gayi jise bazaar mein koi naam se nahin janta tha.

Meri hadd baar baar tootti hai, ghalti kahan ho rahi hai?

Aam tor par do wajah hoti hain. Ya to hadd kabhi zubani batayi hi nahin gayi, is liye customer ko us ka pata hi nahin, ya phir woh bheer wali shaam mein khud badal jati hai. Jo number aap ke mood ke sath badle woh hadd nahin, sirf ummeed hai. Pehli teen dafa qayam rakhein, phir woh khud qayam rehti hai.

Kya hadd sab ke liye ek jaisi honi chahiye?

Shuru mein sab ke liye ek hi number rakhna asaan bhi hai aur us par behas bhi nahin hoti, kyunki kisi ko lagta nahin ke usay chuna gaya hai. Us ke baad woh chal chalan ke sath badle: jo har mahine saaf kare us ki upar, jo chaar mahine lagaye us ki neeche. Jo cheez kabhi wajah nahin banni chahiye woh yeh hai ke kis ka rishtedar kaun hai.

Balance ka zikr karne par customer ghussa ho gaya, ab kya karein?

Balance par ghussa taqreeban hamesha sharmindagi hoti hai, be-imani nahin. Awaz halki karein, baat ko doosre customers se hata lein, aur number us ke samne rakhein, us par bolein nahin. Phir yeh poochein ke is hafte kitna ho sakta hai, yeh nahin ke kul kitna dena hai. Aaj tay hui chhoti raqam aaj maangi gayi poori raqam se zyada masle khatam karti hai.

Purane customer ko mana karna bura to nahin lagta?

Us se kahin bura yeh hai ke aap khamoshi se haan kehte rahein aur phir saal bhar us se rukhe rahein. Purane customer usool sun sakte hain. Jo woh maaf nahin karte woh doosron ke samne sharmindagi hai, ya aisa achanak inkar jo saaf zahir ho ke kai mahine se pak raha tha. Wajah batayein, tareekh batayein, aur is dauran cash par saman dete rahein.

Hadd chalane ke liye app zaroori hai, ya register kaafi hai?

Register tab tak kaafi hai jab tak aap poori list ka total mahine mein ek dafa bina thake nikal sakein, jo taqreeban bees pachees udhaar wale customers tak mumkin hai. Us se aage yehi jama karna band ho jata hai, aur jo hadd nazar hi na aaye woh hadd hoti hi nahin. Yehi woh moqa hai jahan phone wala khata apni qeemat khud nikal leta hai.