Jab udhaar wala customer aap ka mulazim ban jaye

Naukri tab dein jab woh kaam ka sahi banda ho, is liye nahin ke woh aap ka qarzdar hai. Phir do hisab rakhein jo kabhi aapas mein na milein: poori tankhwah tankhwah ki tarah, aur udhaar customer ki tarah wapas. Katauti tay karein to likhi hui ho, muqarrar ho, thori ho, aur naukri ki shart kabhi na ho.

Jis subah woh kaam mangta hai

Subah dus baje. Iqbal ne abhi shutter aadha uthaya hai aur counter par cooking oil ke paanch dabbe rakhe hain jo raat ko aaye the. Anwar darwaze par khara hai, guzar nahin raha. Anwar ke khate mein Rs 14,000 hain. Mahinon se woh kabhi Rs 500, kabhi Rs 300 deta raha hai, itna kabhi nahin ke number hile. Aaj woh kehta hai: "Iqbal, mujhe dukan par rakh lo. Tankhwah mein se kaat lena."

Jis dukandar ne yeh jumla suna hai woh us halke se sukoon ko jaanta hai. Do masle, ek jawab. Usay kaam mil gaya. Aap ka Rs 14,000 ab saal bhar se para hua udhaar nahin raha, ab woh ek katauti hai jo khud chalti rahegi. Aur woh mushkil baat jo dono mein se koi shuru nahin karna chahta tha, ab kisi ko karni hi nahin.

Yehi sukoon rukne ki wajah hai. Yeh paishkash is liye achi lagti hai ke is se ek mushkil baat tal jati hai, aur jo baat shuru mein tal di jaye woh aakhir mein hoti zaroor hai, bas bure lafzon mein.

Do hisab, aur dono alag

Yeh poore mazmoon ki jaan hai, is liye do dafa parhein.

Ab woh aap ki dukan ke liye do log hai. Mulazim ke tor par dukan us ki tankhwah ki qarzdar hai. Customer ke tor par woh dukan ka Rs 14,000 ka qarzdar hai. Do khate, ulti simton mein, aur pehle hi din dil karta hai ke dono ko aapas mein kaat diya jaye.

Aisa na karein. Us ki poori tankhwah us ke hath mein gin kar dein, tankhwah ke naam par. Phir, alag kaam ke tor par, woh apne khate mein kuch jama karaye, us ke naam ke neeche waise hi likha jaye jaise kisi bhi customer ki adaigi likhi jati hai. Paise ki do harkatein, do line, chahe dono ek hi counter par ek minute ke farq se hon.

Jis din us ki tankhwah chupke se "tankhwah minus jo us ke zimme hai" ban gayi, us din dono hisab ek sath mar gaye. Saal baad woh nahin bata sakta ke usay kya mila. Aap nahin bata sakte ke us ne kya lautaya. Baqi kya hai yeh dono mein se koi nahin jaanta, aur us ke baad ki har behas haari hui behas hai, kyunki koi line hai hi nahin jis par koi ungli rakh sake.

Ek baat saaf lafzon mein, sirf ek dafa. Us ke balance mein is liye kuch nahin barhta ke ab woh aap ke paas kaam karta hai. Rs 14,000 tab tak Rs 14,000 hi rehta hai jab tak woh usay utaar na de, bilkul jaise kisi bhi doosre customer ka rehta hai.

Katauti tay karni hai to chaar shartein

Katauti mein koi harj nahin. Is haal mein zyada tar mulazim khud chahte hain ke katauti ho, kyunki balance khatam hone ka yehi ek rasta hai. Kharabi sirf tab hoti hai jab chaar mein se koi ek shart ghayab ho.

Katauti tay karein to yeh chaaron baatein poori hon

1. 1Pehle mahine se pehle likhi huiRaqam, jis din rukegi woh din, aur dono ke naam safhe par, us ke shuru karne se pehle.
2. 2Muqarrar raqam, "jo bache woh" kabhi nahinRs 3,000 aisa number hai jis par us ka ghar plan kar sakta hai. "Jo bache woh" par nahin.
3. 3Poori tankhwah ya us ke qareeb kabhi nahinJo banda mahina bhar kaam kare aur ghar kuch na le jaye usay tankhwah nahin mil rahi, usay rakha gaya hai.
4. 4Naukri rakhne ki shart kabhi nahinJis din woh katauti rokne ko kahe, naukri us din bhi us ki hai. Warna naukri sirf qarz hai jise apron pehna diya gaya.

Pehle mahine se pehle likhi hui, kyunki zubani tay hui katauti usay Rs 2,000 yaad rehti hai aur aap ko Rs 3,000, aur ikhtilaf pehli tankhwah wale din hi aa jata hai.

Muqarrar raqam, "jo bache woh" kabhi nahin, kyunki ghar ko plan karna hota hai. Jis banday ko pata hi na ho ke ghar kitna aayega woh kisi aur se advance le leta hai, aur ab woh do logon ka qarzdar hai.

Poori tankhwah ya us ke qareeb kabhi nahin. Jo banda mahina bhar kaam kare aur ghar kuch na le jaye usay tankhwah nahin mil rahi, usay rakha gaya hai, aur jis hafte koi doosri dukan cash dikhayegi woh chala jayega.

Naukri ki shart kabhi nahin. Jis din woh katauti rokne ko kahe, us din bhi naukri us ki hai. Agar nahin, to naukri kabhi naukri thi hi nahin. Woh qarz tha jis ke hath mein jharoo pakra di gayi.

Mahine dar mahine number

Farz karein: Rs 22,000 tankhwah, Rs 14,000 udhaar, Rs 3,000 har mahine tay

Pehle din likhi hui mahana tankhwahRs 22,000

Tankhwah wale din us ke hath mein gin kar, tankhwah ke naam parRs 22,000

Woh tay shuda raqam wapas deta hai, us ke khate mein likhi jati haiRs 3,000

Us adaigi se pehle us ka udhaar balanceRs 14,000

Us adaigi ke baad balanceRs 11,000

Us ke ghar ke paas mahine ke liye asal mein kitna haiRs 19,000

Yeh misal ke number hain, koi survey nahin. Tankhwah ki line aur khate ki line alag alag likhi jati hain, chahe dono ek minute ke farq se hon.

Us box ko do hisab samajh kar parhein, ek nahin. Pehla tankhwah ki line hai: Rs 22,000 bahar, tankhwah wale din, bilkul kisi bhi mulazim ki tankhwah ki tarah. Doosra khate ki line hai: Rs 3,000 andar, us ke naam par, bilkul us customer ki tarah jo aa kar paise deta hai. Jo Rs 19,000 le kar woh ghar gaya woh us ki jeb ki baat hai, aap ki kitab ki line nahin.

Wohi Rs 14,000, har mahine ek tay shuda qadam neeche

1. Tankhwah 1Rs 3,000 us ke khate mein jamaRs 11,000 baqiAda
2. Tankhwah 2Rs 3,000 us ke khate mein jamaRs 8,000 baqiAda
3. Tankhwah 3Rs 3,000 us ke khate mein jamaRs 5,000 baqiAda
4. Tankhwah 4Rs 3,000 us ke khate mein jamaRs 2,000 baqiAda
5. Tankhwah 5Rs 2,000 se khata bandRs 0Ada

Paanch tankhwahon ke baad khata band hai, aur tankhwah ke record mein ek dafa bhi koi ajeeb number nahin aaya. Is ke muqable mein Rs 19,000 ka ek number paanch dafa likha hua saal baad kuch nahin batata: kya diya gaya, kya wapas aaya, aur paanchwein mahine Rs 19,000 the ya Rs 20,000.

Balance us banday ke sath kya karta hai jo aap ke counter ke peeche hai

Yeh woh baat hai jo koi zuban par nahin lata.

Jo banda apne malik ka qarzdar ho woh behas nahin kar sakta. Band hone ke waqt maal aa jaye to extra ghanta mana nahin kar sakta. Dukan chalti dekhe to tankhwah barhane ko nahin keh sakta. Aasani se chhor bhi nahin sakta, kyunki chhorne ka matlab hai balance achanak sar par aur khair-sagali khatam. Woh har baat par haan kehta hai, aur bahar se yeh wafadari lagti hai.

Yeh wafadari nahin. Yeh ek khamosh jaal hai, aur yeh imandar banday ko phanse hue banday ki tarah chalne par majboor karta hai. Phansa hua banda chhoti chhoti chori karta hai. Tooti cheez batane ke bajaye chhupata hai. Woh baatein batana chhor deta hai jo aap ko sunni chahiyein.

Jis dukan ko acha mulazim chahiye usay aisa banda chahiye jo na keh sake. Isi liye katauti thori rehti hai, isi liye woh naukri ki shart nahin banti, aur isi liye poori tankhwah pehle us ke hath mein pohanchti hai aur doosri taraf paisa baad mein chalta hai. Yeh azadi us par ehsan nahin. Yeh woh cheez hai jo us ki haan ko aap ke liye qeemti banati hai.

Rakhein ya nahin, aur gali kya kahegi

Kabhi yeh acha faisla hota hai. Aap usay jaante hain. Woh dukan ko jaanta hai, kaunsi shelf phansti hai aur kaunsa customer jumme ko paise deta hai. Gali pehle se us par bharosa karti hai, aur jis mulazim par gali bharosa kare woh aap ki sau chhoti safaiyan bacha deta hai. Jo soch aap apne ya bahar ke banday ke liye lagate hain wohi yahan lagti hai, bas ek sawal zyada.

Kabhi narmi se na kehna behtar hai. Agar balance us tankhwah ke do teen mahine ke barabar hai jo aap denge, to woh saal bhar dono ke beech mein khara rahega, aur har sakht baat usi par hogi. Aur agar woh naukri sirf balance se bhagne ke liye mang raha hai, to naukri se bhi utni hi jaldi bhagega.

Wohi mang, do alag bandon se

Nishaniyan ke chal sakta haiNishaniyan ke narmi se na kahein

Woh pehle kya mangta haiNishaniyan ke chal sakta haiNaukri. Balance ki baat baad mein aati hai, ya aap chherte hainNishaniyan ke narmi se na kaheinBalance. "Tankhwah se kaat lena" us ka pehla jumla hai

Ab tak woh kaise deta rahaNishaniyan ke chal sakta haiThori thori raqam, apne aap, bina kaheNishaniyan ke narmi se na kaheinMahinon kuch nahin, phir naukri ki mang

Balance tankhwah ke muqable meinNishaniyan ke chal sakta haiEk mahine ki tankhwah se kam; aadat banne se pehle khatamNishaniyan ke narmi se na kaheinDo teen mahine ki tankhwah; saal bhar dono ke beech khara rehta hai

Naukri se inkar ho aur balance waisa hi rahe toNishaniyan ke chal sakta haiUs ke paas doosra plan hai, aur woh batata haiNishaniyan ke narmi se na kaheinKoi plan nahin; naukri hi plan thi

Us ke kaam ki gawahi aur kaun deta haiNishaniyan ke chal sakta haiKoi parosi ya doosri dukan jahan us ne kaam kiyaNishaniyan ke narmi se na kaheinSirf us ki apni baat, aur aap ki, jis ke woh qarzdar hai

Farq pehchanne ka tareeqa chauthi line hai. Us se zubani poochein: "Agar main naukri ke liye na kar doon aur balance jaisa hai waisa rehne dein, to tum kya karoge?" Koi plan bataye to usay kaam chahiye tha. Kandhe uchka de to balance sawal kar raha tha, woh nahin.

Phir baqi log hain. Shaam chhe baje Bashir chai ka packet le raha hai aur counter ke peeche Anwar ko cheeni tolte dekh raha hai. Aadhi muskurahat ke sath kehta hai: "To ab yeh hathon se qarz utaar raha hai?" Har dafa ek hi jawab dein. "Yeh yahan kaam karta hai. Sab ki tarah tankhwah leta hai. Us ka khata us ka apna hai, jaise aap ka aap ka." Seedha keh dein. Teesri dafa yeh sunne mein bore lagega, aur doosre hafte tak yeh kahani nahin rahegi.

Jab woh balance khula chhor kar chala jaye

Yehi sab se mumkin anjam hai, is liye pehle din se is ki tayari rakhein.

Woh behtar tankhwah par jata hai, ya gaon, ya is liye ke dono ek doosre se thak gaye. Us din teen baatein pehle se sach honi chahiyein. Us ki aakhri tankhwah poori gin kar di gayi, din aur advance kisi bhi mulazim ki tarah tay hue. Us ke khate mein woh number hai jo dono ne har mahine girta dekha. Aur katauti naukri ke sath khatam ho gayi, kyunki woh kabhi naukri ki shart thi hi nahin.

Ab woh phir customer hai, aur aap usay rakhna chahte hain. Rs 5,000 ko "tum chhor gaye ho, ab sara abhi do" mat banayein. Thori si mahana raqam waise hi tay karein jaise kisi bhi customer se karte hain, aur usay kharidne dein, kyunki jo banda aap se saman leta rehta hai woh balance us se kahin zyada deta hai jo aap ki gali se katrata hai.

Record hi is sab ko mamooli bana deta hai. Wasoolo mein wohi banda do jagah hota hai, mulazim ke tor par apni tankhwah aur hazri ke sath, aur customer ke tor par apne khate ke balance ke sath, do hisab jo pehle din se alag hain aur jinhein baad mein kabhi suljhana nahin parta. Wasoolo download free hai; aadat dono soorton mein muft hai.

Aam sawalat

Woh kehta hai balance khatam hone tak muft kaam karega. Maan loon?

Nahin. Muft kaam poori tankhwah ki katauti hai, aur chaar shartein isi ek cheez se mana karti hain. Girte hue balance se woh ghar nahin chala sakta, aur mahine ke andar usay us dukan se chirh ho jayegi jo usay rakhe hue hai. Poori tankhwah dein, muqarrar raqam wapas lein, aur khata apne waqt par band hone dein.

Kisi mahine hospital ke bill ki wajah se woh katauti rokne ko kahe to?

Rok dein. Us mahine khate mein koi adaigi nahin aur tankhwah poori, dono likha hua. Balance barhta nahin aur us mein kuch jorha nahin jata. Jo katauti ruk na sake woh naukri ki shart thi, aur aap ne tay kiya tha ke aisa nahin hoga.

Main us par ehsan kar raha hoon, to kya bazaar se kam tankhwah de sakta hoon?

De sakte hain, aur jis hafte koi usay poori tankhwah dega us hafte woh chala jayega, balance khula chhor kar. Jo tankhwah kaam ki banti hai wohi dein. Ehsan usay rakhna tha, kam dena nahin, aur kam tankhwah wala banda pehli baat se zyada doosri yaad rakhta hai.

Woh kehta hai katauti dugni ginni chahiye kyunki woh us ke liye kaam kar raha hai.

Jo paisa tankhwah se nikalta hai woh us ka kamaya hua hai, bilkul un Rs 500 ki tarah jo woh pehle counter par deta tha. Rs 3,000 wapas ka matlab balance se Rs 3,000 kam, na zyada na kam. Likhein aur usay dekhne dein, aam tor par yeh sawal dobara nahin uthta.

Kya baqi mulazimon ko pata hona chahiye ke woh dukan ka qarzdar hai?

Nahin. Us ka khata dukan aur us ke beech ki baat hai, kisi bhi customer ki tarah. Baqi mulazim jo dekhein woh yeh ho ke ek banda usi din aur usi tarah tankhwah le raha hai jaise woh, aur bas yehi nazar aana chahiye.

Ek banday ke liye do hisab waqai zaroori hain, ya ek line kaafi hai?

Do, hamesha. Ek net line jhagre mein kuch nahin batati. Wasoolo mein woh ek safhe par mulazim hai aur doosre par customer, aur dono kabhi aapas mein nahin uljhte. Copy mein bhi wohi tareeqa hai: tankhwah tankhwah ke safhon mein, khata khate ke safhon mein, beech mein ek number kabhi nahin.