Qhov twg mus yuav khoom noj thiab khaub ncaws
Muaj ntau ntau qhov chaw sib txawv thiab txoj kev mus kav khw nyob rau hauv lub tebchaws United States. Nws tej zaum yuav nyuaj rau paub qhov twg koj mus yuav tsoos zaub mov los yog paub tias qhov twg mus yuav tej yam uas koj xav kom koj tsev neeg.
There are many different places and ways to go shopping in the United States. It may be hard to know where you to buy traditional foods or to know where to buy things you want for your family.
feem ntau, Yog hais tias ib yam khoom muaj ib tug nqi lossis rau nws, koj yuav tau them cov nqi. Khw nyob rau hauv lub US ua tsis tau feem ntau barter (sib nqi). Txawm li cas los, qhov no yog tsawg yeej muaj tseeb nyob rau hauv cov ciaj uas muag los yog khw muag khoom noj muag siv khoom.
Generally, if an item has a price tag on it, you have to pay that price. Shops in the US do not usually barter (negotiate prices). However, this is less true in markets or stores selling used goods.
Khoom noj khoom haus thiab khoom noj haus
Food and groceries
Ib txhia cov neeg tawg rog hais tias lawv muaj ib lub sij hawm kho kom noj nyob rau hauv lub US. Lawv yog cov tsis paub qhov twg mus yuav tej yam uas rau lawv lub tsev thiab lawv yuav tsis khoom noj khoom haus los ntawm lawv cov tsev lub teb chaws. Tej zaum, lawv xav tias zoo li lawv tsis muaj nyiaj txaus rau cov zaub mov uas lawv xav noj. Koj yuav tsum tau sim rau siv txog 20% los yog tsawg dua ntawm koj cov nyiaj tsev neeg khwv tau nyiaj nyob rau hauv cov zaub mov thiab khoom noj haus txhua lub hli. Qhov no txhais tau tias yog muaj $1000 nyob rau hauv cov nyiaj khwv tau ntawm txhua lub hli, koj yuav tsum tau siv $200 los yog tsawg dua nyob rau hauv cov zaub mov thiab khoom noj haus. Yog hais tias koj tau txais $500 txhua lub hli, koj yuav them taus los siv xwb $100 los yog tsawg dua nyob rau hauv cov zaub mov, yog hais tias koj los kuj them rau chaw thiab hlauv taws xob.
Some refugees say they have a hard time adjusting to eating in the US. They are not sure where to buy things for their home and they may miss the food from their home country. Sometimes, they feel like they do not have enough money for the food they want to eat. You should try to spend about 20% or less of your total family income on food and groceries each month. This means if have $1000 in income each month, you should spend $200 or less on food and groceries. If you get $500 each month, you can afford to spend only $100 or less on food, if you are to also pay for shelter and utilities.
Tej yam uas pheej yig (uas tsis muaj nqi los yog pheej yig) nyob rau hauv koj lub tsev lub teb chaws tej zaum yuav kim (nqi) nyob rau hauv lub US. Piv txwv li, cov neeg tawg rog los ntawm Burma yuav nyiam noj tshiab coconuts thiab txiv nkhaus taw, tab sis cov no cov khoom yeej kim heev. Nqaij thiab txiv hmab txiv ntoo yog feem ntau kim nyob rau hauv lub US. Yog li ntawd, tej zaum koj yuav xav tau mus sim noj ib co khoom noj tshiab raws li zoo raws li koj cov tshuaj zaub mov.
Some things that were cheap (low cost or inexpensive) in your home country may be expensive (high cost) in the US. For example, refugees from Burma may like to eat fresh coconuts and mangoes, but these items are expensive. Meat and fruit are often expensive in the US. So, you may need to try to eat some new foods as well as your traditional foods.
Muas cov zaub mov, tshwj xeeb tshaj yog mov thiab taum, zaub, los ntawm lub tsev muag khoom noj thiab ua noj ua haus nws tus kheej yog feem ntau tsis tshua kim tshaj muas khoom noj los ntawm ib tug lub tsev noj mov. Ntawm no yog tej yam txawv qhov chaw koj mus yuav khoom noj khoom haus:
Buying food, especially rice and beans and many vegetables, from the grocery store and cooking it yourself is generally less expensive than buying food from a restaurant. Here are some different places you can buy food:
tajlaj khw muag khoom noj
Tajlaj khw muag khoom noj nyob rau hauv lub US yog loj muag khoom noj uas nqa ntau ntau hom kev noj kev haus. Muaj ntau ntau loj muag khoom noj “saw khw muag khoom noj.” Ib tug saw yog ib pab pawg neeg ntawm khw muag khoom noj uas yog cov tib nyob rau hauv ntau lub zos nyob rau lub US. Tajlaj khw muag khoom noj yog muab faib mus rau hauv khej xws li txiv hmab txiv ntoo thiab zaub, nqaij, zaub mov kaus poom, thiab lwm yam. Muaj ntau loj muag khoom noj khw muag khoom noj xav kom koj mus rau npe rau dawb “Club” phaib, los yog “ua tswv cuab phaib. Qhov no yog ib qhov zoo ua vim hais tias koj feem ntau tau txais lub luv nqi rau koj cov zaub mov uas muaj ib daim ntawv, txawm tias yog hauv daim card free. lwm yam khw muag khoom noj, xws li Costco, tsis them rau lawv tej cards thiab muag loj qhov ntau ntawm cov khoom noj ntau cheaply. Cov no yog cov tsim nyog koom yog tias koj muaj ib tug loj tsev neeg thiab muas khoom noj khoom haus thiab tsev neeg cov khoom nyob rau hauv loj qhov ntau.
Grocery stores in the US are large stores that carry many different types of food. There are several large grocery “chain stores.” A chain is a group of stores that are the same in different cities across the US. Grocery stores are divided into sections such as fruit and vegetables, meat, canned foods, etc. Many large grocery stores encourage you to sign up for free “Club” cards, or “membership cards. This is good to do because you often receive a discount on your food with a card, even though the card is free. Other stores, such as Costco, do charge for their cards and sell large quantities of food more cheaply. These are worth joining if you have a big family and are buying food and household items in large quantities.
Farmers’ ciaj uas muag
Feem ntau cov lub zos nyob rau hauv lub US muaj teb’ ciaj uas muag, tshwj xeeb tshaj yog nyob rau hauv lub caij ntuj sov. Nyob rau ib lub teb’ kev ua lag luam, koj yuav nrhiav tau tshiab txiv hmab txiv ntoo thiab zaub zus thiab muag los ntawm cov tswv teb lawv tus kheej. Nyob rau hauv lub caij ntuj sov, tej zaum koj yuav siv nyiaj tsawg ces koj yuav nyob rau ntawm lub tsev muag khoom noj rau tib lub yam khoom, tab sis tsis yeej ib txwm - ib co loj muag khoom noj khw muag khoom noj yog tau muag rau tsawg tshaj li liaj ua teb uas loj hlob me me ntawm cov organic khoom, piv txwv li.
Most cities in the US have farmers’ markets, especially in the summer. At a farmers’ market, you can find fresh fruit and vegetables grown and sold by the farmers themselves. In summer, you may spend less money then you would at a grocery store for the same items, but not always – some big grocery stores are able to sell for less than farmers who grow small amount of organic produce, for example.
Kab ntsab khw muag khoom noj
Cov no yog cov me me khw muag khoom noj uas tej zaum kuj muag me me ntawm cov khoom noj haus los yog khoom noj khoom haus. Thaum cov khw muag khoom tej zaum yuav yooj yim vim hais tias lawv nyob ze rau koj lub tsev, lawv yog feem ntau ntau kim tshaj tom khw yuav zaub.
These are small stores that sometimes sell small amounts of groceries or food. While these stores may be convenient because they are close to your house, they are often more expensive than the grocery store.
pawg lwm haiv tib khw muag khoom noj
Ib txhia cov zej zog muaj haiv neeg khw muag khoom noj, lub ntsiab lus ib lub khw uas muag khoom noj haus los ntawm ib caj. Piv txwv li, muaj tej zaum yuav yog ib qho “Indian ua lag luam” los yog ib tug “Suav lag luam” uas sells cov zaub mov los ntawm cov neeg lub teb chaws.
Some communities have ethnic stores, meaning a store that sells groceries from a particular ethnic background. For example, there might be an “Indian Market” or a “Chinese Market” that sells foods from those countries.
Koj yuav nrhiav tau haiv neeg muag khoom noj khw muag khoom noj nyob rau hauv ntau lub zos nyob rau hauv peb Local Resources page. Qhov no directory kuj sau tshwj xeeb cov khoom noj khw nyob ib ncig ntawm lub teb chaws: Specialtygrocery.net
Khw nojmov nyob rau hauv lub US yuav tau lub kim tshaj plaws qhov chaw thiaj tau mov noj. Fast-zaub mov hauv cov khw yog cheaper tshaj li cov khw nojmov, tab sis koj yuav tsum xaiv ua tib zoo thiaj li mus tsis noj ntau dhau qab zib los yog ntsev.
Restaurants in the US tend to be the most expensive place to get food. Fast-food restaurants are cheaper than regular restaurants, but you have to choose carefully so as to not eat too much sugar or salt.
Muaj ib tug xov tooj ntawm cov websites uas muag khoom noj khoom haus thiab khoom uas hais tias tej zaum yuav nyuaj rau yuav nyob rau hauv koj lub zos los yog lub nroog nyob rau hauv lub tebchaws United States.
There are a number of websites which sell food and products that may be hard to buy in your town or city in the United States.
Cov websites muab haiv neeg cov zaub mov hloov tag nrho cov sij hawm. thov email firstname.lastname@example.org qhia rau peb tej yam uas pom zoo koj muaj rau qhov twg mus yuav lwm haiv neeg cov zaub mov nyob hauv internet nyob rau hauv lub US, thiab peb yuav muab lawv ntxiv rau nplooj ntawv no.
Websites offering ethnic foods change all the time. Please email email@example.com to tell us of any recommendations you have for where to buy ethnic food online in the US, and we will add them to this page.
Yuav ua li cas yuav online
How to buy online
- Yog hais tias koj muaj ib tug credit card los yog ib daim debit card, nws yooj yim mus yuav online. Nws yog kev siv ib daim credit card tshaj ib daim debit card. Credit card tsis cob cog rua cov nyiaj nyob rau hauv koj tus bank account. Yog hais tias daim card tooj yog neeg nyiag lawm, tus tub sab yuav tsis tau mus rau hauv koj tus bank account.
- Yog hais tias koj tsis muaj ib daim credit card, koj muaj peev xwm tseem yuav tau online. Koj siv tau ib tug them ua ntej daim ntawv. Koj muaj peev xwm yuav ib daim ntawv nrog xov tooj zoo li ib tug credit card. Muaj yog ib tug set nqi ntawm cov nyiaj nyob rau hauv daim ntawv. Koj muaj peev xwm ntxiv ntau tshaj cov nyiaj los yog tau txais ib daim card tshiab thaum cov nyiaj sau tawm. Qhov no yog ib tug heev muaj kev ruaj ntseg txoj kev uas yuav yuav online vim hais tias koj tsis muaj muab tej nyiaj txiag thaum koj them rau tej yam uas. Koj yuav tau them ib tug nqi thaum koj yuav tau los yog tso nyiaj. Yog li ntawd piv cov nqi nyob rau txawv kom tau qhov zoo tshaj plaws deal. Nrhiav pom zoo phaib ntawm Consumer Reports.org.
- koj ua tau qhib ib tug Paypal account thiab them online los yeej muaj. Koj xav tau ib tug bank account los yog credit card mus yuav online kev paypal account. Los yog, koj yuav tau txais ib tug Paypal them ua ntej MasterCard tsis muaj ib tug bank account.
- If you have a credit card or a debit card, it easy to buy online. It is safer to use a credit card than a debit card. Credit cards are not connected to the money in your bank account. If the card number is stolen, the thief cannot get into your bank account.
- If you do not have a credit card, you can still buy online. You can use a prepaid card. You can buy a card with numbers like a credit card. There is a set amount of money on the card. You can add more money or get a new card when the money runs out. This is a very safe way to buy online because you do not have to give any personal financial information when you pay for things. You will pay a fee when you buy or put money. So compare fees on different to get the best deal. Find recommended cards from Consumer Reports.org.
- You can open a Paypal account and pay online from there. You need a bank account or credit card to buy online regular paypal account. Or, you can get a Paypal prepaid Mastercard without a bank account.
Ris tsho thiab tsev neeg cov khoom
Clothing and household items
Nyob rau hauv lub US, koj muaj ntau cov kev xaiv ntawm qhov chaw uas mus kav thiab dab tsi yuav. Koj yuav tsum yeej ib txwm sim mus yuav tej yam uas thaum lawv nyob rau ntawm kev muag khoom!
In the US, you have lots of options of where to shop and what to buy. You should always try to buy things when they are on sale!
Thrift khw muag khoom noj los yog siv thiab pa khw muag khoom noj
Thrift stores or used and secondhand stores
Thaum koj xav txog qhov twg mus yuav cov khaub ncaws, xav txog thrift khw muag khoom noj yog tias koj xav kom txuag tau nyiaj. Thrift khw muag khoom noj muag khaub ncaws, tsev cov khoom, thiab rooj tog zaum lwm tus neeg tau muab tam sim ntawd. Yog hais tias koj siv sij hawm los saib, koj muaj peev xwm feem ntau nrhiav tau zoo nkauj heev khaub ncaws, khoom rau koj chav ua noj, rooj tog zaum, cov khoom ua si, thiab ntxiv rau hauv thrift khw muag khoom noj. Cov khw muag khoom noj yuav tsum muaj tsawg kawg nkaus tus nqi, thiab lawv feem ntau muaj hnub uas txhua yam nyob rau hauv lub khw muag.
When you are thinking of where to buy clothes, consider thrift stores if you want to save money. Thrift stores sell clothes, home items, and furniture other people have given away. If you take time to look, you can often find very nice clothes, items for your kitchen, furniture, toys, and more at thrift stores. These stores tend to be very low-cost, and they often have days where everything in the store is on sale.
Chaw rau tsheb muag khoom thiab vaj muag khoom
Garage sales and yard sales
Ib tug chav nres tsheb muag khoom los yog vaj muag khoom yog ib qhov chaw zoo yuav nrhiav tau siv cov khaub ncaws thiab tsev neeg cov khoom. Cov khoom yog feem ntau pheej yig heev. Chaw rau tsheb muag khoom thiab vaj muag khoom yog ib tug ntawm ob peb lub chaw uas koj muaj peev xwm ntshe nyob rau hauv lub US. Qhov no txhais tau tias yog koj muaj ib tug chav nres tsheb los yog tshav muag khoom, koj yuav tau sim mus nug rau ib tug txo nqi tshaj dab tsi yog sau rau qhov khoom.
A garage sale or yard sale is a great place to find used clothing and household items. These items are normally quite cheap. Garage sales and yard sales are one of the few places you can barter in the US. This means if you are at a garage or yard sale, you can try to ask for a lower price than what is written on the item.
Department khw muag khoom noj thiab malls
Department stores and malls
Koj muaj peev xwm kuj kav ntawm department khw muag khoom noj los yog lub khw. Cov khw muag khoom noj yuav tsum kim kim thiab muaj nto moo lub npe hom. Qhov no txhais tau tias cov khoom yog nrov vim hais tias lub hom yog zoo-paub, xws li Nike khau.
You can also shop at department stores or the mall. These stores tend to be more expensive and have famous name brands. This means the items are popular because the brand is well-known, such as Nike shoes.
Superstores yog khw muag khoom noj nyob rau hauv lub US uas muag ze li ntawm txhua yam. Cov no muaj xws khw muag khoom noj xws li Walmart, Target, thiab Kmart. Cov khw muag khoom noj yog feem ntau pheej yig dua tshaj lub npe hom department khw muag khoom noj.
Superstores are stores in the US that sell nearly everything. These include stores like Walmart, Target, and Kmart. These stores are generally cheaper than name brand department stores.
Muaj tej zaum kuj muaj ntau ntawm lub zos khw muag khoom noj nyob rau hauv koj tus tshiab lub zos. Nws yog zoo mus kav zos vim hais tias koj cov nyiaj nyob qis qis nyob rau hauv koj lub zej zog. Tej zaum koj yuav txawm nrhiav tau ib lub khw uas los ntawm lwm cov neeg tawg rog.
There are probably also lots of local stores in your new town. It is nice to shop locally because your money stays in your community. You may even find a store owned by another refugee.
Koj muaj peev xwm kuj yuav ze li ntawm txhua yam uas koj xav tau hauv internet xws li cov khaub ncaws, tsev neeg cov khoom, computers, thiab lwm yam. Khw online yog yooj yim vim hais tias txhua yam yog xa mus rau koj lub tsev. Koj yuav tsum tau ceev faj vim hais tias koj tsis tau txais mus ntsuam xyuas cov khoom ua ntej koj yuav nws. Xyuas ua ntej koj yuav hais tias koj yuav tau rov qab yog hais tias koj cia tus tau txais daim ntawv thiab thawj lub ntim thiab tsis tau siv yam khoom no.
You can also buy nearly everything you need online such as clothes, household items, computers, etc. Shopping online is convenient because everything is sent to your home. You have to be careful because you don’t get to test the product before you buy it. Check before you buy that you can return it if you keep the receipt and original packaging and have not used the item.
- Saib saum toj no (nyob rau hauv khoom noj khoom haus rau cov nplooj ntawv no) rau yuav ua li cas yuav online
- See above (under Food on this page) for how to buy online
Kho vajtse khw muag khoom noj
Yog hais tias koj xav tau cov khoom rau koj lub tsev los yog mus rau kho koj lub tsev, koj yuav mus yuav tau ntawm ib tug kho vajtse khw. Cov neeg uas ua hauj lwm nyob rau hauv cov khw muag khoom noj yuav pab tau teb koj cov lus nug txog lub tsev kho.
If you need items for your house or to repair your home, you can shop at a hardware store. The people who work at these stores can help answer your questions about home repair.
Rov qab cov khoom
Thaum twg koj mus kav khw, kom koj tau txais daim ntawv. Qhov no yog daim ntawv pov thawj uas koj yuav qhov khoom. Yog hais tias koj txiav txim siab koj xav rov qab mus tau ib yam khoom, koj yuav tsum tau txais. Khw muag khoom noj nyob rau hauv lub tebchaws United States qhia rau cov neeg rov qab mus khoom yog hais tias muaj yog ib yam dab tsi tsis ncaj ncees lawm nrog lawv los yog txawm yog hais tias lawv cia li hloov lawv lub siab. Tab sis lawv yuav tsis cia koj rov qab mus tom qab koj tau siv nws.
Whenever you shop, keep your receipt. This is proof that you bought the item. If you decide you want to return an item, you will also need the receipt. Stores in the United States let people return goods if there is something wrong with them or even if they just change their mind. But they will not allow you to return it after you have used it.
Buying a Car
Yuav ib lub tsheb yog ib tug loj kev cog lus. Nyob rau hauv thiaj li yuav yuav ib lub tsheb, koj yuav tsum tau muaj ib tug neeg tsav tsheb daim ntawv tso cai. Koj yuav tau them rau lub tsheb los yog tau txais ib cov nyiaj txais los ntawm koj lub txhab nyiaj los yog credit union. Koj yuav tau sau npe rau hauv lub tsheb nrog lub department ntawm lub cev muaj zog tsheb nyob rau hauv koj lub xeev kom tau daim ntawv tso cai daim hlau, uas yog yuav tsum tau. Thaum koj tau them rau koj lub tsheb los sis them nyiaj tawm ntawm koj cov nyiaj txais kiag, koj yuav tau txais cov “title” rau koj lub tsheb - cov nom ntawv pov thawj uas koj muaj nws. Koj yuav tau them rau txhua hli kev tuav pov hwm tsav tsheb thiab roj thiab txij nkawm rau lub tsheb.
Buying a car is a serious commitment. In order to buy a car, you will need to have a driver’s license. You will have to pay for the car or get a loan from your bank or credit union. You will have to register the car with the department of motor vehicles in your state to get license plates, which are required. When you have paid for your car or paid off your loan completely, you will get the “title” to your car – the official document proving you own it. You will also have to pay for monthly insurance to drive the car and gas and maintenance for the car.
Nws yog feem ntau pheej yig dua mus yuav ib lub tsheb tshaj ib lub tsheb tshiab. Yuav ib lub tsheb yog lwm lub sij hawm koj muaj peev xwm “barter” los yog sib rau tus nqi. Yog hais tias koj yuav ib lub tsheb, nws yog ib lub tswv yim kom muaj ib tug kws kho tsheb saib lub tsheb ua ntej koj yuav nws kom paub tseeb tias tsis muaj dab tsi yog tsis ncaj ncees lawm nrog lub tsheb. Koj yuav tau xav mus sim tsav lub tsheb. Qhov no txhais tau tias koj yuav siv sij hawm nws rau ib tug tsav thiab xyuas kom paub tseeb txhua yam yog ua hauj lwm ua ntej koj yuav nws. Thaum twg koj yuav ib lub tsheb, koj xav tau kom paub tseeb tias lub tsheb “title” (uas qhia tau hais tias cov pov thawj hais tias tus neeg uas koj yuav yuav nws los ntawm yus tus kheej li nws) yog tseeb. Koj yuav tsum tau lub tsheb title neeg ua pov thawj (officially kos npe) thiab kom paub tseeb tias koj tau txais ib daim, txawm yog hais tias nws yog tes sau, los ntawm tus tswv ntawm lub tsheb.
It is generally cheaper to buy a used car than a new car. Buying a car is another time you can “barter” or negotiate on the price. If you are buying a used car, it is a good idea to have a mechanic look at the car before you buy it to make sure that nothing is wrong with the car. You will also want to test drive the car. This means you will take it for a drive and check to make sure everything is working before you buy it. When you buy a used car, you need to make sure that the car “title” (which shows proof that the person you are buying it from owns it) is clear. You should get the car title notarized (officially signed) and make sure you get a receipt, even if it is hand-written, from the owner of the car.
Koj muaj peev xwm tej zaum kuj tau ib tug cov nyiaj txais los ntawm lub tsev txhab nyiaj los yuav ib lub tsheb. Tiam sis yog tias koj tau txais ib cov nyiaj txais, koj yuav tau them paj rau txhua lub hlis li lub tsheb yuav raug nqi ntau tshaj yog tias koj rua cov nyiaj mus yuav nws nrog cov nyiaj ntsuab.
You can sometimes get a loan from the bank to purchase a car. But if you get a loan, you have to pay interest on it every month so the car will cost more than if you saved money to buy it with cash.
Lub RCO xav koj muaj ib tug American phooj ywg los yog saib pab tau koj tus thawj lub sij hawm koj yuav tau ib lub tsheb. no lub website no muab tswv yim los pab lub tsheb buyers.
The RCO recommends you have an American friend or mentor help you the first time you buy a car. This website gives suggestions to help car buyers.
Lub RCO kuj xav siv pej xeem kev thauj mus los raws li ntau li ntau tau. Koj muaj peev xwm mus saib peb lub pej xeem kev thauj mus los page kawm kom paub txog subways thiab tsheb npav nyob rau America.
The RCO also recommends using public transportation as much as possible. You can visit our public transportation page to learn about subways and buses in America.