The Best Inventory Management App Ever!

The Best Inventory Management App Ever!

The cell phone business is an ever-changing industry with new types of products introduced every day making it difficult to run a mobile store. As a mobile store owner, various other aspects can impact your business operations. Issues like acquiring inventory, shelving, placements, competitors, and fluctuating dollar rates impact your overall business and your daily routine. Mobile Store owners like you have to make sure that they have different products available for numerous cell phone models. In a country like Pakistan, the customers are using mobiles from various well-known and unknown brands, and because of this, you have to keep a lot of products. The real hassle is when you have to manually count the inventory at the end of the day to know the inventory status. Udhaar Book can solve all this for you and make inventory management simple, easy, and accurate.

Shopkeepers invest a lot of time to keep track of their inventory manually. Manual methods are not only time-taking but are also prone to mistakes and do not give an accurate picture of the inventory levels in real-time. Udhar Digi khata app can help eliminate the manual management madness and streamline your operations. Managing inventory with the Udhaar Book catalog builder feature can save you from all the hassles of inventory management right from your phone.

 

How does the Catalog Builder in Udhaar Book Works?

With the all-new catalog builder, there are more than 100 categories for different kinds of retailers, with numerous products in every category. Udhar book also has a category for mobile phones and accessories with various products. You can pick and choose the products you have in stock and add those to your catalog. All you have to do is select the product, add the quantity and price, and you are done. Udhaar Book makes it super easy for you to add several products to your inventory in just a few minutes. The product name, variants, and images are already there, and with just minimal effort, you can record all the products in your inventory. You can even add products manually if you don’t find any specific product you were searching for.

In addition to inventory recording, Udhaar Book enables you to record sales and manage inventory with each transaction automatically. For instance, you purchased 10 Samsung S22s and added them to Udhaar book’s inventory along with the purchase and selling price. A customer walks in and buys a Samsung S22 and pays in cash. When recording this cash inflow in udhar’s cash book, you can click on “add item” and select a Samsung S22 from your inventory. Udhaar Book will automatically update the bill amount with the selling amount. Simultaneously, the Udhaar Digi khata app will also reduce the inventory quantity and show you that you have only 9 Samsung S22s left.

Even if a customer purchases a product on credit and you record that transaction in the credit book, you will have the option to add an item to the transaction. Udhaar Book app will similarly treat that transaction and will also adjust the inventory accordingly. All this happens in real-time and makes it very convenient for you to see the stock levels without going through everything manually, and maintaining your cash and credit sales.

Udhaar Book makes it super convenient and easy to manage critical and complicated tasks. With the udhar app, you have everything right on your mobile screen, wherever and whenever needed. Udhaar Book offers many other essential services like cash book, credit book, digital invoicing, staff book, and inventory management. Udhaar Book is available for both IOS and Android devices, and businesses can also use the Udhaar Book web app.

Be the #1 Electronics Store in Town with Udhaar Book POS

Be the #1 Electronics Store in Town with Udhaar Book POS

Immense competition between electronics stores makes it quite challenging for a person to operate one. The biggest struggle for electronics stores such as yourselves is to get the best possible deals for your customers to improve sales volume.

The three most important pillars that matters the most to the customers are:

  1. Having all popular brands.
  2. Prices should be less than the stores near you.
  3. Sell genuine products only and stay away from fake alternatives.

Now you do have the trust of your repeat customers but the real challenge is to have new customers trust you enough to spend a fortune at your store.

The key to gaining your customer’s trust is to have professionalism. When customers walk into your store, how your store looks and how you display the products tell a lot about you and your business. You have to keep numerous things in mind if you want to build an image that’s worthy of being trusted. Udhaar Book can help you make your operations better and give your business a much more professional look. Udhar Digi khata offers numerous features that enable you to manage your business smartly. One of those features is a completely free POS system for all ambitious business owners like you.

Udhar khata book POS feature allows you to print professional invoices for your customers. Gone are the days when people were fine with receiving a handwritten parchi after purchasing your products. A person buying expensive electronics from your store would prefer a printed receipt over getting a handwritten parchi for their purchase. Moreover, handing out a parchi also gives an impression that it’s a small business and is evading taxes. The customers then tend to question the quality and reliability of your products and business.

How can Udhaar Book POS help your business?

Udhaar Digi khata app can help you build a brand that customers can easily trust. Udhaar Book’s free POS feature is super easy and simple to print professional receipts. You just have to log in on the Udhaar Book web app using a PC, connect your printer and start printing invoices. That’s not all. Here are four reasons why Udhaar Book POS is the perfect choice for your business:

1- Simple & Easy to Use

Udhaar Book is super easy to use. The clean and simple app layout makes it a piece of cake for everyone to use.

2- Absolutely Free

Udhar Digi khata app is 100% free. There are no hidden charges for any of the features. All the features on the Udhaar app are completely free for life. You just have to download the app to manage your business and khata for free forever!

3- Print Professional Invoices

Udhar POS offers the simplest solution to print professional-looking invoices without diving deep into complicated software. Just a few clicks, and you can start printing beautiful invoices in no time, for free. A simple task that makes your customers see that you are ahead of others.

4- Earn Customers’ Trust

It gets very easy for customers to fall in love with your brand if you pay attention to small details. Products and their prices are the primary fuel to ignite that spark, but customers tend to fall in love with the overall experience.

Udhaar Book is loaded with many features that can do wonders for your electronics store. Udhaar book can help you with inventory management, managing the salary book, recording daily transactions in the cash book, and more. In combination with the POS feature, Udhaar Book is the only tool a business needs to manage its business, employees, inventory, and your khata. You can download the Udhaar Book app from the App Store and Play Store. You can also use the Udhaar Book web app right from your shop’s PC. Get your hands on your hassle-free business manager now!

Sell Easyload with Udhaar. Boost your Grocery Store Profits

Sell Easyload with Udhaar. Boost your Grocery Store Profits

Running a grocery store can be exciting and challenging as you have a lot of products to offer and have to deal with people from all walks of life. It is important to have all prevailing brands for each category as customers have different brand preferences. But the products they buy are almost similar every month, which restricts you from having more profits as the sales volume remains the same. Such circumstances make it difficult for everyone to fight the soaring inflation, and people do consider looking for ways to earn some extra money. There are quite a few options to curtail the impact of rising inflation, such as increasing sales/profit or looking for an additional income stream. Both of these options can get very difficult for a grocery store due to massive competition and lack of extra time.

 

 

Increasing prices will hurt your business because it will be perceived as an expensive mart, and increasing sales volume will also take time, and you might even need to invest a bit in marketing. The best possible way is to look for an additional income stream that does not take a lot of your time and doesn’t require you to take any risks or make any investments. Udhaar Book app is precisely what you need. Udhaar Digi khata app helps you manage your grocery store effectively and offers a way to make some extra money through its Easyload feature without any risks.

How to earn more with Udhaar Easyload?

You can now quickly become an easy load agent with the Udhar khata book in 3 simple steps, and all that would take just a couple of minutes. All you have to do to become an easyload agent is to set up a screen lock, enter your location, and add balance to your Udhaar wallet using your Easypaisa and/or JazzCash account. Once you have money in your wallet, you can immediately start recharging the balance for your grocery store customers and earn a 2.5% commission on every recharge. Udhar khata book’s easy load feature enables you to recharge the balance for all networks in Pakistan. This means that you won’t have to say no to any of your customers, and you can also get banners and posters printed and placed to lure in new customers.

The influx of customers due to this new offering will have two benefits. First, you will be getting a 2.5% commission on each easyload without any hassles. Secondly, the customers stepping into your store for easy load might buy other stuff too from your store, resulting in more sales and more profits. The best part is that if you want to withdraw the money you added to your udhar wallet for easy load, you can easily transfer it from the app to your Easypaisa and JazzCash account.

Udhaar Book is a blessing in disguise to grocery store owners like you. Udhaar Book provides a wide range of essential services like cash book, credit book, digital invoicing, staff book, and inventory management to help you manage different aspects of your grocery store. Moreover, it also helps you earn extra money with easy load without any risks or investments. Udhaar Book can be downloaded from both App Store and Play Store. You can also use the Udhaar Book web app right from your shop’s PC. Start using Udhaar Book now and earn extra money.

The Perfect Digital Khata for your Mobile Shop

The Perfect Digital Khata for your Mobile Shop

Cash is an all-time favorite for all kinds of retailers, and because of this, a cash book can be a best friend that all retailers need. Like all other businesses, a mobile shop can also benefit from a cash book. A retail business pivots on numerous cash transactions daily. These transactions can be sales for the retailer, cash purchases, or cash expenses. As a mobile shop owner, you need to record all these transactions accurately as you have various products purchased and sold daily.

 

 

There would have been several times where you would have run out of a particular product and have a customer demanding that same product. Instead of saying no to the customer, you send someone to a nearby shop and buy that product immediately. Similarly, there would have been times when you get low on stock of a particular product during the day, and you have to restock the product before the market closes. You then purchase such products in cash. All such expenses are to be recorded right at that moment to avoid missing out on any of these transactions. Using conventional methods like a register or spreadsheet can be difficult, time-consuming, and cause errors. There would have been numerous instances where you wouldn’t have had your khata register with you and would have said to yourself that you would record it later only to end up forgetting it.

The best way to avoid missing out on such important transactions is to use an online accounting app and maintain your cashflows without any issues. Udhaar Book app is one such online accounting app and is an all-in-one solution for business owners like you. Udhaar’s cash book helps eliminate those manual record-keeping methods and break free from all those khata registers. There are numerous problems with maintaining those khata registers. A few of those problems are:

  1. Manually writing all the transactions takes a lot of time and effort;
  2. The person maintaining the khata book can make errors;
  3. The risk of the khata register getting damaged or misplaced;
  4. Manually compiling a daily, weekly, and monthly report can be too complicated and time-consuming;

How can Udhaar Book Help You?

Udhar Digi khata app can help you avoid all such problems and assist you in recording all such transactions. Udhaar khata book app is an easy, simple, and safe solution for all business owners like you, belonging to all sorts of businesses. Using the Udhaar Book app will help you save time and costs incurred for hiring professionals. With Udhaar Digi khata, you need not spend hours balancing income and expenses and can get daily, weekly and monthly reports in a matter of minutes. Moreover, the Udhaar khata book allows you to create separate cashbooks and ledgers for your business.

Udhaar Book app is a one-stop solution to manage financial transactions and customers’ khata from mobile phones. It helps in eliminating manual recording and also helps in avoiding errors. Udhaar Book is an essential tool for businesses searching for an effective financial management solution. Udhaar Book is available for both IOS and Android devices, and you can also use the Udhaar Book web app.

Scale Your Grocery Store with Teamwork and Udhaar Book

Scale Your Grocery Store with Teamwork and Udhaar Book

As your business starts to grow, you have to take care of numerous things to keep the ball rolling. You need to have a system in place to manage daily operations effectively and keep everything synchronized at a certain point in time. The real challenge with getting a system is that when you manage a grocery store, there are multiple people involved, and all of them have certain tasks. Moreover, you don’t usually get a team with a sound understanding of technology to adapt to a system. But this shouldn’t stop you from growing and managing your operations effectively. Businesses like yours need an easy-to-use solution that allows multiple users to access it at once.

 

 

Udhaar Book is an all-in-one solution for businesses to manage their operations absolutely free. A business goes through different activities every day conducted by different team members, and it is very important to record all such activities accurately. There will be multiple people working at your grocery store and would have certain responsibilities assigned. For instance, the person taking care of inventory management in your shop will be responsible for ensuring that you have all the products available and will also be responsible for ordering the products that are about to finish. Similarly, there will also be a person on the cash counter responsible for making invoices, collecting payments from the customers, recording all the sales for your business, and keeping a record of credit sales and customers’ khata. To have them all work together under a system, every employee should work on a synchronized system to maintain the efficiency of the business.

Whether you want your cashier to print receipts or you want to see a report on cash transactions, Udhaar Book is the only app you need to have all your things in place. Udhaar Digi khata app enables you to give access to all those responsible for updating things such as products in inventory, sales, managing udhar khata, daily staff attendance, and a lot more. With Udhaar Book’s multiple user functionality, all your team members can keep updating information related to their domain simultaneously instead of one person updating everything. This makes it easier to manage the operations and saves time. You can invest that time improving your business and dealing with more customers.

Udhaar Digi khata app is a one-stop solution to help you get ahead of the competition without any hassles. Udhaar Book helps you eliminate manual recording and facilitates businesses in error-free management. Udhaar Book helps you easily manage your Udhar with customers and suppliers, manage your cash and credit sales, manage your staff, and a lot more, right from your smartphones. Udhaar Book is available for both IOS and Android devices, and you can also use the Udhaar Book web app.

Be the Best Mobile Shop in Town!

Be the Best Mobile Shop in Town!

Pakistan is home to hundreds and thousands of mobile shops operating in different parts of almost all the cities. With so many options to choose from, people tend to go with the one who seems more trustworthy than the other. The mobile prices nowadays are way too high, so a customer thinks multiple times about selecting a shop where they would be willing to spend their hard-earned money.

Due to increasing competition, every vendor tries to lure in as many customers as possible. As a mobile shop owner, you will also try to get a huge chunk of the business. The key to getting more business is to showcase trustworthiness & authenticity to the customers. Things like selling authentic products and better after-sales service are a direct way of building trust, but there are many other subtle ways of communicating that you are the real deal. One of those ways is to have properly documented sales, including a proper printed receipt instead of that handwritten parchi. It might seem like a very small thing, but this does matter a lot for the customers in Pakistan as this adds a layer of authenticity.

Udhaar Book can help you with printed receipts with its free POS feature. Udhaar Digi khata app offers a free POS system for businesses like yours to stand apart from the competition. A mobile shop has different kinds of mobile phones and accessories, and you would also have to deal with customers with different personalities. With the Udhar khata book, you can manage all your products and customers right from your phone. Moreover, the Udhar Digi khata app allows you to print neat, professional, and sophisticated receipts. Udhar Free POS now allows you to connect your thermal printer via the Udhaar Book web app and print receipts for free. A proper printed receipt helps build an image of a professional business and makes it easier for the customers to trust your shop. Udhaar Book has made printing receipts very easy and adaptable. All you have to do is log in from your PC, install your printer according to the app’s instructions, and Udhar will take care of the rest.

Udhaar Book has a lot more to offer other than the POS Feature. Udhaar Book offers many essential services like cash book, credit book, digital invoicing, staff book, and inventory management. Udhaar Book is available for both IOS and Android devices, and businesses can also use the Udhaar Book web app. Start using Udhaar Book now and make business smarter.

Staff Book: The #1 Way to Keep Your Staff Happy

Staff Book: The #1 Way to Keep Your Staff Happy

It is said that a customer will never love a company until the employees love it first. Managing the employees is a crucial aspect of keeping the workforce happy and motivated. It might look like an easy and simple task, but this falls under the most challenging tasks for a business. The main element of managing staff members is accurate payroll management. Payroll Management comprises multiple tasks such as recording attendance, overtime collections, late fine deductions, adjusting paid leaves, generating salary slips, and paying salaries.

Managing all this manually means that you will have lots and lots of papers with different information on all of them. Then you would have to compile everything manually, count the number of days, calculate the per day division of the salary, and then payout. This takes a lot of time and is also prone to many errors, resulting in unnecessary arguments and hassles. Such disputes can result in an unhappy and demotivated workforce and will have a direct and immediate effect on the employees’ productivity.

How can you manage your staff efficiently?

There are a few things that you need to do if you want to be efficient. Essential elements to ensure effective staff management are as follows:

  • Complete Employee Record: You need to have relevant details about your employee from the first day.
  • Compensation Type to Ensure Timely Payments: Business tends to hire various people with different duration and required work. This determines an employee’s compensation type, which can be monthly, weekly, daily, and hourly compensation.
  • Proper salary Slips: Every month, you will be making additions or deductions to an employee’s salary based on the attendance, the number of overtime hours, late fines, etc. You will have to provide a salary slip that has all details explaining the additions and deductions.
  • Maintaining Individual Reports: You need to maintain an individual report of every employee. You can record employees’ attendance, number of overtime hours, number of paid leaves availed, and number of times employees came in late.

The staff book feature in the Udhaar Book app can help you manage your staff digitally without investing too much time. The staff book in the Udhar Digi khata app makes it very easy to manage as many employees as possible.

Benefits of Staff Book Feature in Udhaar Book

  • Quick & Easy Employee Profile Setup: You have to add the name, number, salary type, and joining date, and it’s done. You can also add their mobile number, designation, and account details.
  • Unlimited Staff Members: You can add and manage as many staff members as possible with the Staff Book in the Udhaar Digi khata app.
  • Different Types of Staff Members: With Udhaar Book, you can add staff members with monthly, weekly, daily, and hourly compensation types.
  • Select Working Days and Hours: Udhaar Book allows you to specify working days and hours for each employee for better payroll management.
  • Daily Attendance: You have an entire list of employees on your screen, and you can mark the attendance in minutes.
  • Add/Deduct Paid Leaves, Late Fines, and Overtime: Udhaar Book also allows you to deduct late fines, mark paid leaves, and add over time.
  • Manage Advance on Salary: You can easily manage the advance paid to each employee with Udhaar Digi khata
  • Print and Share Salary Slips: Udhaar Book maintains all the records for every employee daily, and you can download or share the report directly with the employee with just one click.
  • Generate Attendance Report: You can quickly generate daily, weekly, and monthly attendance reports with the Staff Book in the Udhaar khata book.
  • Pay from the App: You can pay the salaries online to your employee’s Jazz Cash and Easypaisa account from the Udhaar Book app.

Udhaar Book offers a wide range of essential services like cash book, credit book, digital invoicing, and inventory management, along with efficient staff management. Udhaar Book is available for both IOS and Android devices, and businesses can also use the Udhaar Book web app.

Make Major Profits from your Mini-Mart with Udhaar Free POS

Make Major Profits from your Mini-Mart with Udhaar Free POS

Every vicinity in Pakistan has multiple Mini-Marts serving people for ages now. Even then, people tend to step into this category because such stores sell products considered to be the basic necessity for every individual. You might have pondered the same when you started your own Mini Mart, and because of this, the competition is vast these days. Now, if you want to stand out from the choices people already have in their vicinity, you have to offer them something that others don’t.

Udhaar Book is exactly what’s missing from the secret recipe for your success. Udhaar Digi khata app offers a free POS system for businesses like yours to have an edge over others. Running a mini-mart means having different kinds of products with various variants, and you would also see different kinds of customers every day. It gets challenging to keep track of the products and simultaneously ensure smooth operations. A POS can do wonders for a business, which is precisely what you need to be in the spotlight. These are the four ways through which free POS in Udhar khata book can help you evolve from a mini-mart to a professional business:

  • Print Receipts – Regular mini-marts in every vicinity give this random handwritten parchi to their customers, who usually throw them away. In case there is some issue with the product, the customer cannot get the product replaced or returned. Udhar Free POS now allows you to connect your thermal printer via Udhaar Book web app and print digital receipts absolutely free. A proper printed receipt helps build an image of a professional business and makes it easier for the customers to trust your store. Udhaar Book has made printing receipts very easy and adaptable. All you have to do is log in from your PC, install your printer according to the app’s instructions, and Udhar will take care of the rest.
  • 100% Free – No Hidden Charges! – All the features of Udhaar Book, including the free POS feature, are absolutely free with no hidden charges at all. All you have to do is download the app and start making your business more efficient.
  • Better Customer Service – If you have everything synced to your free POS, you will be able to guide your customers better for the product’s availability. Moreover, a synchronized POS system makes the checkout process quick. Quick and accurate service with a proper receipt helps with increasing customer satisfaction and loyalty.
  • Instant Reports – The Udhaar Digi khata app allows you to instantly generate daily, weekly, and monthly reports.

Udhaar Book has a lot more to offer other than the POS Feature. Udhaar Book offers a wide range of essential services like cash book, credit book, digital invoicing, staff book, and inventory management. Udhaar Book is available for both IOS and Android devices, and businesses can also use the Udhaar Book web app. Start using Udhaar Book now and make business smarter.

No More Shame – Recover Grocery Store Udhaar on Auto

No More Shame – Recover Grocery Store Udhaar on Auto

A grocery store in Pakistan is not just where people buy their groceries. It doubles as a place where nearby people meet and have discussions about various topics. As the person running the grocery store knows almost everyone in that vicinity, he actively participates in such discussions while packing the staples they initially came for simultaneously. Knowing everyone does get you into interesting conversations as a grocery store owner, but it also bears some disadvantages. One of the most common disadvantages in Pakistan is Udhaar. While running your grocery, there must have been numerous incidents where you would have heard “Bhai hisab mein likhlena” (put it on my tab) from a customer. Now that you already know these people, you tend to feel awkward saying “no” to them and eventually write it down in their hisaab and watch the amount piling up.

 

 

As you continue to entertain credit transactions from such customers, you can run short on cash in hand, which no shopkeeper likes. Cash in hand allows you to purchase inventory and take care of everyday expenses smoothly. Considering the nature of transactions, a lot of money gets blocked under receivables for general stores. The situation is the same for almost all the grocery store owners in Pakistan, and they feel awkward asking for the amount due. Few people might not even ask their customers for the money they owe to avoid that awkwardness. If you are one of those people, then the Udhaar khata book is the solution to your problem. Udhaar Book is an easy-to-use app through which you can record all credit transactions correctly and set auto-payment reminders.

How to manage your Udhar?

  • Record All Credit Transactions: Running a grocery store means having a substantial volume of credit sales. All such sales are an asset and need to be kept in record accurately. You should also keep a record of all sorts of credit transactions other than credit sales.
  • Record of Contact Information: You need to have the person’s contact details who owes you money.
  • Send Recurring Reminders: You need to send constant payment reminders.
  • Maintain Customer Statements: You should have a proper statement for every creditor with complete details of the credit amount. If someone owes you money for some credit purchases, you should have complete details about the products sold on credit.

With Udhaar Book, you won’t have to worry about these tasks. With the Udhar Digi khata app, you can easily record all these credit transactions individually by adding the customer’s name, mobile number, and credit amount. You can also set a collection date and send automated reminder messages via SMS/WhatsApp. Moreover, when you start keeping a record of such transactions in Udhaar Book, the app automatically prepares a customer statement, and you can download them anytime. Udhaar Book also offers multiple other services like cash book, credit book, digital invoicing, staff book, and inventory management. Udhaar Book is available for both IOS and Android devices, and businesses can also use the Udhaar Book web app.

Free Point of Sale System (POS) with Udhaar Book

Free Point of Sale System (POS) with Udhaar Book

As a business owner, you might have to face various challenges daily which can have a direct impact on your profitability. Challenges like manually recording the sales and purchases for the day, manually checking and maintaining inventory, manually calculating a customer’s total amount, and making hand-written receipts, can slow you down, consumes a lot of time and you can also make mistakes. Sorting out such challenges would give you ample time to serve more customers and that too without making any errors.

All these problems can be addressed by a POS System but most of POS providers charge you for this feature. Udhaar Book now introduces a free POS system that allows businesses to record and manage sales, payments, and inventory digitally. In addition to this, you can also print digital receipts for free and have them stored for future use.

Why Udhaar Book POS is a perfect fit for your business?

A POS system allows a business to record all the sales, the payments received, and the inventory in one place. With Udhaar Digi khata, you can use POS  for free without any hidden charges. There are multiple benefits of using the POS feature in Udhaar Book;

  1. Absolutely Free! Udhaar khata book users do not need to pay any charges. A user only has to download the app and start using the POS feature absolutely free.
  2. Manage Inventory: With the Udhar Book POS feature, a user can add and manage products to the inventory and track the inventory levels. This will also assist a business when restocking inventory.
  3. Print Receipts: Udhar POS allows users to create digital invoices of the transactions and print them through Udhaar Web, absolutely free (thermal printer required).
  4. Speeds Up the Checkout: Usually, it takes a lot of time to calculate the amount and prepare an invoice manually. Businesses can save time with the Udhaar POS feature and serve more people, eventually leading to better customer satisfaction.
  5. Data backup: Once a user starts recording transactions and details in Udhar Digi khata POS, all that data is saved on the Udhaar app server.
  6. Instant Reports: With Udhaar Book POS, users can generate instant reports and have a complete insight into the figures associated with day-to-day operations.
  7. Fewer Errors: Using a POS system like Udhar Book POS helps businesses reduce calculation errors and helps them print accurate invoices.

Udhaar POS is an essential tool for every business. This can have a massive impact on the efficiency and performance of the business and helps immensely improve customer satisfaction. Udhaar Book is packed with a lot of other features as well. In combination with the POS feature, Udhaar Book is the only tool a business needs to manage its business, employees, inventory, and khata. Udhar Digi khata app enables a business to manage its operations to ensure customer satisfaction and retention. Udhaar Book offers various services like cash book, credit book, digital invoicing, and inventory management for various businesses. Udhaar Book is available for both IOS and Android devices, and businesses can also use the Udhaar Book web app.