Udhaar wala customer guzar jaye to kya karein

Jo aadmi aap ka udhaar deta tha woh guzar gaya. Pehle kuch hafte paise ka zikr bilkul nahin: aap jate hain, baithte hain, khamosh rehte hain. Us ke baad us shakhs se ek sukoon wali baat jo ab ghar sambhal raha hai. Kuch raqam mahinon mein aati hai, kuch nahin, aur usay saaf dil se band karna parta hai.

Pehle kuch hafte paise ke nahin hote

Khabar aap tak jaldi pohanchti hai. Subah saat baje doodh dene wala Rafiq batata hai ke Sattar guzar gaya. Sattar gyarah saal se aap ke counter se saman leta tha, aur us ka khata Rs 46,000 par khula para hai.

Us hafte aap jo karte hain us ka in Rs 46,000 se koi taluq nahin. Ek ghante ke liye shutter gira kar jate hain, gali mein plastic ki kursi par baith jate hain, jo chai koi haath mein de de woh pi lete hain, aur wapas aa jate hain. Balance ka naam tak nahin lete. Doosre hafte bhi nahin, teesre mein bhi nahin.

Yeh narmi nahin hai, aur apne paison ke saath faraakhdili bhi nahin. Yeh sirf itni baat hai ke aap us ghar ke liye aisa aadmi rehte hain jis se baat ki ja sakti hai. Jo dukandar pehle hafte number lekar pohanch jaye, woh us gali mein hamesha ke liye paison wala aadmi ban jata hai, aur pehli cheez jis se ghar inkar karega woh yehi balance hoga.

Balance na khatam hota hai, na khud kisi aur par aa jata hai

Maut ke baad gali mein do ghalat baatein chalti hain, aur dono dukandar ka nuqsan karti hain.

Pehli yeh ke paisa us ke saath hi khatam ho gaya. Aisa nahin hota. Maal aap ke shelf se utha tha aur usay woh ghar istemal kar chuka hai jo abhi bhi wahin reh raha hai. Ghar walon ko bhi yeh pata hai, chahe pehle mahine kuch bhi kahein.

Doosri yeh ke ab yeh balance khud us ke bete ya bhai par aa gaya hai. Amli taur par aisa nahin chalta, aur pehle hi din ek jawan bete ko qarzdaar bana dena milne wale paise ko barson ke jhagre mein badal deta hai.

Jo cheez sach mein badli woh sawal hai. Pehle sawal ek aadmi ka tha: Sattar dega ya nahin. Ab sawal poore ghar ka hai: yeh ghar kitna utha sakta hai, aur wahan baat karne ke qabil kaun hai. Yeh ghar ka ek khata ya har fard ka alag wale sawal ke bohat qareeb hai.

Baat karne se pehle ghar ko parh lein

Ek mahina bina kuch poochhe kya dikha deta hai

Jahan se kuch na kuch wapas aa sakta haiJahan se sach mein nahin aayega

Us ka kaamJahan se kuch na kuch wapas aa sakta haiDukan, khokha ya delivery ka round kisi aur ke haath mein dobara chal paraJahan se sach mein nahin aayegaKaam usi din ruk gaya jis din woh gaya

Ghar ki kamaiJahan se kuch na kuch wapas aa sakta haiBeta pehle se kahin kaam par hai, ya bhai isi kaam mein haiJahan se sach mein nahin aayegaKamane wala sirf wohi tha

Woh rehte kahan hainJahan se kuch na kuch wapas aa sakta haiWohi ghar, wohi gali, roz aap ke samneJahan se sach mein nahin aayegaRishtedaron ke pas doosre shehar chale gaye

Jawab kaun deta haiJahan se kuch na kuch wapas aa sakta haiEk shakhs ne saaf taur par ghar ka zimma sambhal liya haiJahan se sach mein nahin aayegaHar sawal kisi aur rishtedar ke pas chala jata hai

Aap ko kisi se kuch poochhna hi nahin parta. Taqreeban ek mahine mein gali khud dikha deti hai.

Pehle us ke kaam ko dekhein. Agar us ki dukan thi, khokha tha, ya koi round tha, to kya woh dobara chal raha hai? Aksar chhe hafton ke andar koi na koi usay sambhal leta hai, aur wohi shakhs aage ka poora jawab hai. Agar kaam usi din ruk gaya jis din woh gaya, to yeh doosri surat hai.

Phir kamai dekhein: kya kamane wala sirf wohi tha, ya beta pehle se kahin laga hua hai? Aur yeh bhi dekhein ke woh rehte kahan hain. Jo ghar usi gali mein hai woh jitna de sakta hai de deta hai, kyunki usay roz aap ke samne se guzarna hai. Jo ghar doosre shehar chala gaya, us ne apni poori zindagi ka faisla kar liya, aur us lambi list mein aap ka balance kahin neeche hai.

Yeh kisi ghar par faisla dena nahin hai. Yeh sirf zubaan kholne se pehle haqiqat dekh lena hai, taake jo aap kahein woh us par poora utre.

Kis se baat karein, aur kya kehein

Aam taur par ab ek hi shakhs hota hai jo ghar ya kaam sambhal raha hota hai. Baat sirf usi se karein.

Kabhi mehfil mein nahin. Kabhi us ghar mein nahin jab wahan log bhare hue hon. Kabhi kisi cousin ke zariye nahin jo aap ki baat apni taraf se do jumle mila kar phailaye. Aur chaar rishtedaron ko ek saath message to bilkul nahin.

Chhe hafte baad Sattar ka bara beta Nadeem apne walid ki cycle ki dukan dobara kholta hai. Aap mangal ko gyarah baje jate hain, jab gali khali hoti hai. Print kiya hua page saath le jate hain aur usay bench par us ki taraf rakh dete hain, us ke haath mein nahin.

Phir poori baat teen jumlon mein kar dete hain, aur teesra jumla sawal hota hai.

"Nadeem, aap ke walid ka mera page Rs 46,000 par khara hai. Main aaj nahin maang raha, aur poora bhi nahin maang raha. Ghar ke liye jo mumkin hai woh bata dein, hum waise hi kar lenge."

Woh ek baat-cheet, lafz ba lafz

✓Yeh kahein

• Aap ke walid ka mera page Rs 46,000 par khara hai.
• Main aaj nahin maang raha, aur poora bhi nahin maang raha.
• Ghar ke liye jo mumkin hai woh bata dein, hum waise hi kar lenge.
• Agar abhi kuch mumkin nahin, to page bas khula rehta hai.

✕Yeh kabhi nahin

• Aap ke walid ne mera dena tha. Ab yeh aap ke zimme hai.
• Sab keh rahe hain ke ghar mein paisa aya hai.
• Maine bohat der bardasht kar liya hai.
• Apne chacha se poochh lein, unhein raqam pata hai.

Is jumle ka faida yeh hai ke Nadeem ke pas jawab dene ki gunjaish reh jati hai: Rs 3,000 mahina, ya teen mahine baad shuru, ya pehle page dikha dein. Yeh sab chalne wale jawab hain, aur jis aadmi ko seedha Rs 46,000 ka kaha jaye us ke pas ek bhi nahin hota.

Zamin, agar koi tha

Agar is balance par kisi ne zamanat di thi, to apne aap se saaf baat karein ke yahan us ka matlab kya hai.

Zamanat ek zinda aadmi ke bare mein wada tha, jis se ummeed thi ke woh de dega. Zyadatar zamin ne yeh manzar socha hi nahin hota. Kuch poori raqam bina kahe de dete hain, kyunki unhein apni baat paise se zyada pyari hai. Kuch samajhte hain ke unhon ne der ki zamanat di thi, maut ki nahin. Baat ka andaz hi tay karta hai ke aap ke samne kaunsa hai.

Phir bhi pehle ghar hi jayein. Agar aap seedha zamin ke pas gaye to gali mein baat jayegi ke aap ne ghar ko chhor kar peechhe se baat ki, aur ghar band ho jayega.

Zamin ko khabar jaldi dein. Mutalba karne ke liye nahin, batane ke liye. "Anwar, aap Sattar ke Rs 46,000 par khare the, aur yeh baat aap kisi aur se pehle mujh se sunein. Maine Nadeem se baat kar li hai. Woh Rs 3,000 mahina koshish karega, aur main aap ko batata rahunga." Jis zamin ko jaldi bata diya jaye woh saath khara rehta hai aur aksar khamoshi se ghar ki madad bhi kar deta hai. Jisay aakhir mein achanak pata chale woh khud ko phansa hua samajhta hai, aur phansa hua aadmi phone uthana chhor deta hai. Agar aap ne kabhi tay hi nahin kiya ke zamin kab lena chahiye, to us sawal ki qeemat aaj samajh aati hai.

Jab sach yeh ho ke yeh paisa gaya

Kuch raqam wapas nahin aayegi. Us number ko saaf dil se tay karna bhi ek kaam hai, aur der se karna mehnga parta hai.

Farz karein Sattar ka page Rs 46,000 par tha. Chhe mahine mein Nadeem har mahine Rs 3,000 deta hai, yani Rs 18,000. Do bore bina khule wapas aap ke shelf par aa jate hain, Rs 4,000 ke. Peechhe Rs 24,000 bach jate hain jin ka koi rasta nahin.

Farz karein khula page Rs 46,000 par tha

Us ke khate par khula balanceRs 46,000

Ghar ne diya, Rs 3,000 mahina, chhe mahine takRs 18,000

Bina khula maal wapas aap ke shelf parRs 4,000

Dukan jo nuqsan likh deti haiRs 24,000

Ab yeh baat Nadeem ko zubani keh dein, ek hi dafa. "Baqi main band kar raha hoon. Yeh khatam hua, ab yeh aap ke sar par nahin, aur mera counter aap ke liye khula hai." Is jumle mein aap ka woh kuch nahin jata jo pehle se aap ke pas ho, aur badle mein woh ghar wapas milta hai jo aap ki dukan ke samne se sar utha kar guzar sake. Aisi gali mein yeh Rs 24,000 se zyada qeemti hai.

Page phaar kar phenkein nahin. Jo naam aap mita denge, teen saal baad usi ko aap khush hokar saman de rahe honge aur yaad kuch nahin hoga. Isay record mein band karein aur tareekhein wahin rehne dein, wohi zabt jo saal purana udhaar bhi maangta hai. Wasoolo khata aur us ki har entry band karne ke baad bhi rakhta hai, mitane ki jagah band ka nishan laga kar, taake page us din mojood ho jis din zaroorat pare.

Woh hadd jo is sab se bohat pehle tay hoti hai

Aisi maut aap ki dukan ko sirf takleef degi ya tor degi, yeh faisla mahine pehle ho chuka hota hai, kisi aam si shaam ko, jab aap ne ek naam ko barhne diya tha.

Rs 24,000 chhoti raqam nahin. Farz karein aap ki dukan mahine mein taqreeban Rs 60,000 nafa karti hai; yeh nuqsan usi nafe ke barah din hai. Bhari hai, magar dukan jhel jati hai. Agar Sattar ka page Rs 180,000 tak pohanch gaya hota, to yehi waqia dukanein band kara deta hai.

Is liye is se ek usool lein, paanch nahin. Kaam ka usool taqreeban hamesha hadd hai: ek naam kitna upar ja sakta hai, yeh pehle se tay ho, kisi thandi subah, aur sab se sakhti se us customer par laagu ho jo aap ko sab se pyara hai. Kitna udhaar dena chahiye ka poora matlab yehi hai, aur is poore maamle mein sirf yehi cheez aap ke haath mein hai.

Doosri baat yeh ke jis din zaroorat pari us din aap ko raqam rupay tak maloom thi. Jab aap ek dukhi bete ke samne baithte hain, to "chalis hazaar kuch tha" aur tareekh wale page mein zameen aasman ka farq hai. Wasoolo yeh record tareekhon aur raqam ke saath rakhta hai, aur us ka backup bhi rehta hai, sirf counter ke peechhe pari copy mein nahin.

Aam sawalat

Balance ki baat karne se pehle kitna intezar karein?

Kam az kam ek mahina, aur aksar itna ke aap ko khud ajeeb lagne lage. Sog ke hafte ghar walon ke hain, aur jo dukandar un mein number lekar pohanch jata hai usay barson tak isi baat se yaad rakha jata hai. Intezar karein ke koi saaf taur par zimma le le, phir usi shakhs se akele mein baat karein.

Beta kehta hai ke walid ka udhaar us ke zimme nahin. Ab kya karein?

Bahas na karein, warna paisa bhi jayega aur ghar bhi. Sukoon se itna kahein ke page khula hai aur us par koi dabao nahin, aur chale aayein. Bohat se ghar jo pehle hafton mein inkar karte hain, chhe mahine baad kuch na kuch de dete hain, jab sadma halka par jata hai.

Ghar kuch na de to zamin ke pas jana chahiye?

Jayein, magar isay mutalba nahin, baat-cheet rakhein. Batayein ke ghar ke saath aap ne kya koshish ki aur poochhein ke us ke khayal mein kya mumkin hai. Jis zamin ki izzat ki jaye woh aksar kuch hissa khud de deta hai ya ghar se dilwa deta hai. Jisay logon ke samne dabaya jaye woh gayab ho jata hai.

Jitne mahine balance para raha, us ka kuch upar laga sakte hain?

Nahin. Der ka koi paisa kabhi na lein, na yahan na kahin aur. Khata mein na late fee hoti hai na koi jurmana, kyunki jis lamhe raqam khud barhne lagti hai, ghar usay qarz nahin, apne saath ziyadti samajhna shuru kar deta hai. Jo utha tha wohi dena hai, us se ek rupya upar nahin.

Ghar paise ki jagah maal wapas dena chahe to lein?

Jo cheez bina khuli aur bikne ke qabil ho woh le lein, us ka wohi rate lagayein jis par aap bechte hain, aur usi din page par likh dein. Khula hua maal ya woh saman na lein jo aap se aage nahin bikega. Shelf par para murda maal pehle nuqsan ke upar doosra nuqsan hai.

Ek maut dobara dukan ka itna hissa na khaye, is ke liye kya karein?

Har naam ki ek hadd pehle se tay karein aur us par qaim rahein, khaas taur par un customeron par jin par aap ko sab se zyada bharosa hai, kyunki balance unhi ka khamoshi se barhta hai. Jo ghar Rs 20,000 ka dena rakhta hai woh ek dukhi mahina hai. Jo ghar Rs 200,000 ka rakhta hai, us mein aap ki dukan ki poori zindagi kisi aur ke pas pari hai.