Yadda ake raba kuɗaɗen tafiyar bikin kiɗa ko wasan kwaikwayo: tikiti, sansani, mai da sauran

Tafiye-tafiyen bikin kiɗa da wasan kwaikwayo suna da nasu siffar kuɗi. Mutum ɗaya yana sayen dukkan tikiti a Fabrairu, cikin taga na daƙiƙa arba’in, a katinsa. Ana yin ajiyar filin sansani a Mayu. Man fetur, kayan abinci da ƙanƙara suna faruwa a filin ajiye motoci a Yuli, kuma hisabin rumfuna yana faruwa a inda ba wanda yake ƙirga. Kafin kowa ya koma gida, ana bin mai sayen tikitin babban adadi tsawon watanni biyar kuma ƙungiyar tana da jin daɗaɗɗen tunani cewa “komai zai daidaita”.

Yawanci ba ya daidaita, kuma ba lallai ya kasance maras tabbas ba. Ka daidaita tikiti a matsayin zagayensu a makon da aka saye su, sannan ka gudanar da tafiyar kanta a matsayin hisabi na gama-gari na yau da kullum. Zagaye biyu ƙanana masu bayyana maimakon babba ɗaya maras tabbas. Hanyar adalci ta raba tafiyar rukuni tana bayanin ɗabi’un gama-gari; wannan ita ce sigar mai siffar biki.

Kuɗin biki yana zuwa a matakai

Tafiyar ƙarshen mako ta yau da kullum tana tara kuɗaɗenta wuri ɗaya; tafiyar biki ko wasan kwaikwayo tana miƙa su a tsawon rabin shekara:

• Tikiti — layin da ya fi girma, ana biya watanni gaba, yawanci mutum ɗaya, yawanci ba a mayarwa.
• Tafiya — man fetur, kuɗin hanya da ajiye mota idan kun tuƙa; kuɗin jirgin ƙasa ko bas idan ba haka ba.
• Wurin kwana — filin sansani, tantin haya, masauki ko gida kusa da wurin.
• A wurin — kayan abinci na sansani, ƙanƙara, akwatin sanyaya na gama-gari, sannan rumfunan abinci da zagayen abin sha.

Kowane mataki yana da mai biya dabam, saitin mutane dabam da ke amfana, da lokaci dabam da kuɗi ke canja hannu. Ɗaukar su a matsayin tari ɗaya shi ne ke sa hisabin ƙarshe ya zama kamar ba mai yiwuwa.

Mataki na 1 — Tikiti: mutum ɗaya ya fitar, kowa ya biya yanzu

Tikiti shi ne inda tafiyar za ta iya lalacewa kafin ma ta fara. Mutum ɗaya ya biya na biyar, sauran su ce “zan aika”, sai wata uku babu abin da ya faru domin babu wa’adi kuma ba wanda yake son ya zama wanda ya nema.

Mafita ta tsari ce ba ta zamantakewa ba: tikiti zagayensu ne, ana daidaita su a mako guda. Mai sayan yana rubuta kashe kuɗi ɗaya don dukkan odar — tikiti da duk kuɗin ajiya da isarwa, shi ya biya, an raba daidai tsakanin masu zuwa — kuma kowa ya biya nasa rabon nan take. Sai hisabin tafiyar ya buɗe daga sifili, kuma mai sayan bai ba ƙungiyar rancen dubun-dubatar naira a hankali har Agusta ba. Idan kana buƙatar kalaman tunatarwa, yadda ake neman kuɗi daga abokai ba tare da ba da kunya ba yana da su — ko da yake zagayen da aka daidaita a mako na farko ba kasafai yake buƙatar hakan ba.

Mataki na 2 — Isa can: man fetur, jirgin ƙasa da mota

Idan kun tuƙa, ana raba man fetur, kuɗin hanya da ajiye mota tsakanin waɗanda suke cikin motar, har da direba. Idan biyu daga cikinku suka bi jirgin ƙasa, ana raba kuɗin motar hanyoyi huɗu ba shida ba, kuma idan fasinjoji sun canza tsakanin zuwa da dawowa, kowane bangare kashe kuɗinsa ne. Yadda ake raba kuɗin man fetur a tafiyar hanya yana bayanin lissafin, har da yanayin “ni na bi hanya ɗaya kawai”. Kuɗin jirgin ƙasa da bas na kai ne sai dai idan mutum ɗaya ya sayi tikitin rukuni, wanda kashe kuɗi ɗaya ne da ake raba tsakanin waɗanda ke kansa.

Mataki na 3 — Sansani da tambayar kayan aiki

Filin sansani ko tantin haya kuɗin ƙungiya ne, ana raba shi tsakanin waɗanda suka kwana a ciki. Ɗakin masauki ko gida kusa da filin haka ma; idan ɗakuna ko darare ba daidai suke ba, yadda ake raba gidan haya da abokai yana bayanin mutum-dare da ƙarin kuɗin ɗaki.

Kayan aiki shi ne inda rukunoni ke rikicewa. Ƙa’idar da ke hana hakan: wanda ya riƙe abin shi ne ya biya shi. Tanti, kujerun sansani ko murhu da mutum ɗaya zai kai gida bayan haka sayen wancan mutumin ne. Abubuwan da ake ƙarewa da na haya na gama-gari ne — kwalaben gas, ƙanƙara, filin kansa, tantin da aka yi haya na ƙarshen mako. Ku yanke shawara kan rukunin kowane abu kafin tafiyar sayayya, ba lokacin da rasit ya bayyana ba.

Mataki na 4 — A wurin: me yake na kai kuma me yake na gama-gari

Yawancin kashe kuɗi a wurin na kai ne: abincin rana naka daga rumfa, abin shanka, kayan tunawa naka. Abubuwa biyu na gama-gari ne:

• Kayan abinci na sansani da akwatin sanyaya — duk abin da aka saya wa kowa a tantunan, ana raba shi daidai tsakanin masu sansani.
• Zagaye — idan mutum ɗaya ya sayi abin sha wa ƙungiyar, wancan zagayen kashe kuɗi ne da ake raba tsakanin waɗanda suka sha kawai.

Duk sauran suna zama a waje da littafin ƙungiyar. Hisabin da ke ƙoƙarin bin kowace kwalaba yana rushewa da tsakar ranar Asabar; wanda ke bin kayan abinci da zagaye na gaskiya kawai yana rayuwa.

Matsalar janyewa: ku yanke shawara kafin ku saya

Wani zai kasa zuwa, a wani lokaci. Tikitin yana kan katin wani kuma ƙa’idodin mayar da kuɗi na taron duk abin da suke ke nan. Wannan ba tambaya ce ta shari’a ko sake sayarwa da ƙungiyar za ta warware ba; yarjejeniya ce da za a yi kafin kuɗi su fita daga asusun kowa. Ku faɗe shi a hira, a layi ɗaya, kafin mai sayan ya biya: idan ka janye, har yanzu za ka biya tikitinka kuma naka ne, ka sayar ko ka ba wani; idan mun sami wanda zai ɗauke shi, shi zai biya ka. Ko akasin haka, idan ƙungiyar ta gwammace ta ɗauke shi. Duka biyun suna aiki. Abin da ba ya aiki shi ne yin wannan hirar a Yuni game da tikitin da aka saya a Fabrairu.

Misali da aka lissafa: abokai biyar, biki ɗaya

Aisha, Musa, Sani, Halima da Hauwa suna zuwa bikin kwana uku. Aisha ta sayi tikiti biyar kan ₦180,000 kowanne — ₦900,000 a katinta. Musa ya yi ajiyar filin sansani kan ₦250,000, Sani ya tuƙa ya kuma biya ₦90,000 na man fetur, Halima ta yi sayayya kan ₦120,000, kuma Hauwa ba ta biya komai tun farko ba. Ana raba komai daidai tsakanin biyar.

Idan an daidaita komai sau ɗaya, a ƙarshe: kowane rabo ₦272,000 ne. Aisha ta biya ₦900,000, don haka ana bin ta ₦628,000; Musa ya biya ₦250,000, don haka yana bin ₦22,000; Sani yana bin ₦182,000; Halima ₦152,000; Hauwa ₦272,000. Wannan yana share kansa da canja wurin kuɗi huɗu, duka zuwa Aisha: Hauwa → Aisha ₦272,000, Sani → Aisha ₦182,000, Halima → Aisha ₦152,000, Musa → Aisha ₦22,000 — jimilla ₦628,000. Yana aiki, amma Aisha ta fitar da ₦628,000 daga aljihunta tun Fabrairu.

Idan an daidaita tikiti a zagaye na farko: a Fabrairu Musa, Sani, Halima da Hauwa kowanne ya biya Aisha ₦180,000. An gama. Zagaye na biyu tafiyar kawai ce: ₦250,000 + ₦90,000 + ₦120,000 = ₦460,000, ko ₦92,000 kowanne. Musa ya biya ₦250,000, don haka ana bin sa ₦158,000; Halima ta biya ₦120,000, don haka ana bin ta ₦28,000; Sani ya biya ₦90,000, don haka yana bin ₦2,000; Aisha da Hauwa ba su biya komai don tafiyar ba, don haka kowanne yana bin ₦92,000. Sake canja wuri huɗu, amma ƙanana: Hauwa → Musa ₦92,000, Aisha → Musa ₦66,000, Aisha → Halima ₦26,000, Sani → Halima ₦2,000. Musa yana karɓar ₦92,000 + ₦66,000 = ₦158,000, Halima tana karɓar ₦26,000 + ₦2,000 = ₦28,000, kuma Aisha tana biyan ₦66,000 + ₦26,000 = ₦92,000.

Adadi ɗaya na canja wuri gaba ɗaya, an baza su a lokuta biyu — amma an share babban adadin a makon da aka kashe shi, kuma daidaitawar ƙarshe game da filin sansani da tankin man fetur ce, ba game da wanda har yanzu ake bin dubbai don tikiti ba. Yana kuma nufin cewa Aisha, wadda ta fitar da mafi yawa, tana biyan Musa da Halima a zagaye na biyu, wanda yake kama da baƙon abu kuma daidai ne: an riga an biya ta don tikitin. Yadda sauƙaƙa bashi ke aiki yana bayanin dalilin da ya sa wanda kake biya ba koyaushe shi ne wanda ka saya daga wurinsa ba.

Inda Donget ke shigowa

Ka yi ƙungiya ɗaya don tafiyar ka gayyaci kowa da Hanyar gayyata a hira. Tikitin yana shiga a matsayin kashe kuɗi ɗaya — Wanda ya biya Aisha, ₦900,000, an raba Daidai tsakanin biyar — kuma Daidaita bashi yana nuna biyan ₦180,000 huɗu nan take; kowanne, bayan an aika, ana rubuta shi a matsayin Canja wuri, kuma shafin Ma’auni ya koma sifili kafin kowa ya nade tanti.

Daga nan, filin sansani, man fetur da kayan abinci suna shiga yayin da suke faruwa, kowanne da mai biyansa, kuma zagayen abin sha ana raba shi tsakanin waɗanda aka yi masu alama kawai. Ma’aunin kowa yana nuna inda kowa yake tsaye a ƙarshen makon, kuma a hanyar dawowa gida Daidaita bashi yana ba da shawarar canja wuri kaɗan da za su rufe tafiyar. Ka riƙe ƙungiyar: tikitin shekara mai zuwa zai shiga cikinta safiyar da aka fara sayar da su.

Tambayoyin da ake yawan yi

Ya kamata a biya wanda ya sayi tikitin bikin nan take?

Eh. Tikiti yawanci shi ne kashe kuɗi mafi girma guda kuma yana zuwa watanni kafin kowane abu, don haka ka ɗauke shi a matsayin zagayensa: kowa ya biya mai sayan cikin kwanaki kaɗan sai tafiyar ta fara daga sifili.

Me zai faru idan wani ya janye bayan an sayi tikitin?

Duk abin da ƙungiyar ta yarda a kai kafin sayen — yawanci, wanda ya janye ya ci gaba da biyan tikitinsa ya kuma riƙe shi don sayarwa ko ba wani. Sigar da ba ta da kyau kaɗai ita ce yanke shawara daga baya.

Muna raba abinci da abin sha a bikin?

Yawanci a’a. Abincin rumfuna da abin sha na kai ne sai dai idan wani yana saya wa ƙungiyar, inda wancan zagayen ake raba shi tsakanin waɗanda suka sha. Kayan abinci na sansani, akwatin sanyaya da ƙanƙara kuɗaɗen ƙungiya ne da ake raba daidai.

Wa zai biya tantin da kayan sansani?

Wanda zai riƙe shi bayan haka. Tanti ko kujerun da mutum ɗaya zai kai gida sayen wancan mutumin ne; abubuwan da ake ƙarewa da na haya — filin, tantin haya, gas, ƙanƙara — na gama-gari ne. Ku yanke shawara kafin a sayi komai.

Yaya muke raba man fetur idan ba kowa ya tafi cikin mota ba?

Ka raba kowace tafiya tsakanin waɗanda suke cikin motar a lokacin, har da direba, ka kuma bar waɗanda suka bi jirgin ƙasa. Idan fasinjoji sun canza tsakanin zuwa da dawowa, kowane bangare kashe kuɗinsa ne.

Ya fi kyau a daidaita sau ɗaya a ƙarshe ko a zagaye-zagaye?

A zagaye-zagaye, idan kuɗaɗen suna zuwa da tazarar watanni: tikiti lokacin da aka saye su, tafiyar lokacin da ta ƙare. Kowane zagaye ƙarami ne kuma bayyananne, kuma ba wanda ke ɗauke da babban ma’auni tsawon lokacin.

Taƙaitawa

Ta fuskar kuɗi, tafiyar biki tafiye-tafiye biyu ce: tikitin da mutum ɗaya ya saya watanni gaba, da ƙarshen makon kansa. Ka daidaita na farko a makon da ya faru, ka rubuta na biyu yayin da yake faruwa, ka kiyaye hisabin rumfuna a waje da littafin, ka kuma yarda kan ƙa’idar janyewa kafin kowa ya biya. Sai daidaitawar ƙarshe ta zama canja wuri ƙanana kaɗan a hanyar dawowa gida — daidaita bashi ba tare da kunya ba yana bayanin yadda ake sa wani ya fara — ba hisabi ba.

Sauke Donget kyauta ka daidaita tikiti a makon da aka saye su, sannan ka bar tafiyar kanta ta rufe da canja wuri ƙanana kaɗan.