1. This document discusses various ways for individuals to save money, including searching online for cheaper goods, reducing cable costs by using local channels only, finding affordable phone plans, using more efficient light bulbs, and making a budget. 2. Tips include making shopping lists, buying in bulk from wholesale clubs, getting produce from local farms, using coupons, paying credit cards off in full each month, and estimating monthly income and expenses. 3. Smaller companies may offer goods as good quality and cheaper than larger brands, and outlets can have new items for less. Riding together can save on gas costs as well.

1. @)!^ dfr{
jif{ ^ c+s *!
‘8fOk/ sxfF ;:tf] knf{ <Ú
eg]/ Psk6s OG6/g]6df
vf]Hg'xf];, tkfO{n] ;aeGbf
;:tf] …PDofhf]g 86 sdÚ
(amazon.com) jf …8fOk;{ 86
sdÚ (diapers.com) df kfpg'
o; c+sdf s] s] <
(What is inside ?)
à art pkfo ================================!
(Ways of saving)
à d x'FM sf]nf]/f8f]===========================#
(I am state of Colorado)
à c:ktfn tof/L===========================#
(Hospital appointment’s checklists)
à rNtLsf c+u|]hL zAb $(==========$
(Most common Eng. words 49)
à c+u|]hL Jofs/0f lbj;===============$
(English Grammar Day)
à j;Gt Ct'sf] klxnf] lbg==========$
(First day of Spring)
3/ vr{ s;/L 36fpg] <
of]hgf agfpg' /fd|f]
s/ bflvnf;Fu} of]hgfsf] vfsf tof/ kfg{ ;lsG5
x'G5. oxfF ;a} ;fdfg ;:tf
x'G5g eGg ;lsb}g. To;}n]
lskmfotdf ;fdfg kfpg] 7fpF
vf]Hg ;lsG5. dflg;x? o;/L
;fdfg sxfF ;:tf] x'G5 eg]/
OG6/g]6df vf]H5g. cfkm"n]
lsGg] ;fdfg sxfF ;:tf] k5{
eg]/ OG6/g]6 (internet) df
vf]Hg] dflg; *) k|ltzt
x'G5g. o;/L vf]Hbf lskmf–
otdf ;fdfg e]l6G5, / ;fdfg
ultnf] xf] jf xf]Og eg]/ klg
hfGg ;lsG5.
sdfP/ dfq sxfF k'U5 <
arfpg ;Sg' 7"nf] snf xf]. of]
snf l;Sg h?/L 5.
art s] ug{ ;lsG5<
art ug]{ dflg;n] km/s
tl/sf hfg]sf x'G5g. o;}
ug'{k5{ eGbf klg slxn]
sfxLF …OGb|sf cuf8L :ju{sf
aftÚ h:tf] x'G5. t} klg
ahf/;DaGwL lj1x? artsf
o:tf pkfon] atfpF5gM
à lsGg] ;fdfgsf] ;"rL tof/
kfg]{ afgL /fd|f] xf] . o:tf]
;"rLnfO{ r'Dassf] ;xfotfn]
/]lk|mlh/]6/df 6fF:g] /
;fdfgsf] gfd yKb} hfg'k5{.
t/ ;"rLsf ;fdfgdWo] s'g
h?/L x'g / s'g xf]Ogg
ljrf/ ug'{k5{.
à 6]lnlehgdf w]/} Rofgn
lnFbf vrf{n' x'G5. o;sf
AnushkaKoirala

2. @
@)!^dfr{,jif{^c+s*!
nflu PG6]gf (antena) af6
:yfgLo -nf]sn_ Rofgn
dfq x]gf{n] vr{ aR5.
PG6]gf PskN6 lsg] k'U5.
PG6]gf geP /f]s' (Roku),
PDofhg kmfo/ (Amazon
fire), g]6lˆnS; (Netflix),
x'n' (hulu), o' 6o'a (You-
tube) cflb dgf]/~hgsf
;:tf pkfo x'g.
à cd]l/sf, Sofg8fleq
kmf]g ug{ ldNg] 3/df /fVg]
lskmfotL kmf]g kfOG5g.
a]l;s 6s (Basic Talk),
ef]Gofh (Vonage) cflb
gfdsf kmf]g ;:tf x'G5g.
à lah'nLsf lrd -aNa_
eGbf l;PkmPn (CFL)
n] sd lah'nL vfG5g .
l;PkmPneGbf klg sd
lah'nL vfg] n]8 nfO6
(LED light) aNa x'g.
à 3/leqsf] tftf] jf lr;f]
36a9 x'g glbg 9f]sf /
‰ofnsf] cGt/s'Gt/df
hfFRg / 6fNg ;lsG5.
o;sf] vr{ 36fpg ;lsG5.
à uf8Lsf] rSsfdf xfjf ;w}+
l7Ss /fVgfn] t]n -UofF;_
sd vkt x'G5.
à uf8Lsf] t]n ;:tf] sxfF 5
eg]/ klg OG6/g]6df vf]Hg
jf Uof;a88L (GasBuddy.
com) df x]g{ ;lsG5.
à :ofD; Sna (Sam’s Club),
lah] (BJ’s) h:tf yf]s
laqm]tfsf] sf8{ agfpgfn]
lskmfotdf ;fdfg lsg]/
art ug{ ;lsG5. o:tf
sf8{ agfpFbf b'O{ jf a9L
kl/jf/ ldNg ;lsG5.
yf]sdf ;fdfg lsg]/ afF9g]
/ lansf] vr{ efu nufP/
ltg{ ;lsG5.
à :yfgLo t/sf/L–af/Ldf
t/sf/L lsg]/ ;:tf] t/sf/L
kfpg ;lsG5. o:tf
t/sf/L NofP/ lk|mh/df
/fVof] eg] s]xL dlxgf;Dd
vfg ;lsG5.
à ;fdfg vl/bdf s'kgx¿
k|of]u ug{ ;lsG5.
à qm]l86 sf8{ (credit card)
af6 ;fdfg lsGb}lkR5] /l;b
/fVg], 8fo/Ldf l6Kg] afgL
/fd|f] xf]. clg ;dodf k};f
ltg]{ afgL ;aeGbf /fd|f].
sf8{sf] k};f ltg]{
a]nfdf cfkm"n] ltg]{ /sd /
sDKo'6/df b]vfPsf] /sd
bfFHg ;lsG5. sf8{sf] k};f
lt/]kl5 /l;bx? ˆofFs]
x'G5.
à dlxgf nfUg'cl3 cfˆgf]
cg'dflgt cfDbfgL / vr{sf]
n]vfhf]vf ug{ ;lsG5.
sf]xL–sf]xL gofF jif{
nfUg'cl3 / sf]xL clk|n !%
;Dddf s/–bflvnf (tax
filing) ug]{ ;do;Fu} o:tf]
cg'dfg tof/ kf5{g.
à xtf/df s]xL klg lsGg'
x'Gg. To;df dxFuf ;fdfg
xtf/df k6Ss} lsGg'x'Gg.
à bfFtsf] :jf:Yo tGb'?:t
/fVg'k5{, h:tf]M bfFt
;/;kmfO{. bfFtsf] pkrf/
lgs} dxFuf] x'G5.
à gfdrn]sf sDkgLeGbf ;fgf
sDkgLsf pxL ;fdfg alnof
/ ;:tf x'g;S5g.
à gofF nQf–sk8fx?
cfp6n]6 (outlet) x?df
lsGbf ;:tf kg{ ;S5g.
à cfkm" sfd ug]{ 7fpFaf6
kfOg] ;x'lnot k|of]u
ug'{k5{, h:tf]M kmf]gsf]
;]jf, sDKo'6/ vl/bdf 5'6,
sfd ug]{ 7fpFdf aGg] ;fdfg
lskmfot d"Nodf kfpg]
;'ljwf cflb.
à 3/fo;L ;fdfg lau|] eg]
OG6/g]6df agfpg]
pkfox? e]6g ;lsG5,
h:tf]M Eofs'd lSng/ (Vac-
uum cleaner) rNg 5f8of]
eg] To;sf] a|zdf hf]l8g]
lkmQf rF'l8Psf] x'g;S5,
lkmQf ahf/df lsGg kfOG5
/ ;lhn} km]g{ ;lsG5.
à sfddf hfg]n] lbpF;f]sf]
vfgf (lunch) 3/af6
n}hfg ;lsG5. lsGbf %
8n/ nfU5 eg] 3/sf] @
8n/d} tof/ x'G5.
à v'b|f ar]sf l;Ssf Pp6f
efF8f]df e]nf kfbf{ s'g} lbg
o;n] vfFrf] 6fg{ ;S5g.
à Pp6} 7fpFdf w]/} hgf sfd
ug{ hfg] u/]sf] eP, Pp6f
sf/df hfgfn] t]n art
x'G5. sfdglhs} a;f]af;
ubf{ klg art x'G5.
à k};f gePsf] vftfsf] r]s
(check) gsf6g'xf];.
hl/jfgf ltg'{k5{.
à Pl6Pd (ATM) jf 8]la6
sf8{ (debit card) af6 k};f
lgsfNbf csf{] a}+ssf]
d]l;gaf6 glgsfNg'xf];.
z'Ns ltg'{k5{.
à uf8L ^) dfOn k|lt3G6f
a9L ultdf s'bfpgfn] t]n
a9L vr{ x'G5.
cGTodf,
oLafx]s tkfO{+n] cfˆgf]
tl/sfn] art ul//x]sf]
x'g;S5. artsf] lgs} ultnf
tl/sf ;fyLefO{;Fu ukmufkmaf6
yfxf x'g;S5 . ;Nnfx lng
klg ;lsG5. c?sf] cg'ej
tkfO{+nfO{ dGq x'g;S5.
o:tf tl/sf s] ;fyLefO{nfO{
l;sfpg ;Sg'x'Gg t<

3. #@)!^dfr{,jif{^c+s*!
c:ktfnsf] cKjfOG6d]G6df hf“bf s] n}hfg] <
!= ladfsf] sf8{ (Insurance card) .
@= cfkm" a;]sf] 7]ufgf .
#= cfˆgf] 6]lnkmf]g gDa/ .
$= tl:a/;lxtsf] kl/ro–kq -ladf sf8{ x'Fbf grflxg ;S5 ._
/, of] klg sfd nfUg ;S5M
$= cfkm"nfO{ k9g ufx|f] eP vfFb} u/]sf cf}ifwL jf gfd .
%= gfgLsf] cKjfOG6d]G6 xf] eg] p;sf] vfgfM b"w, cflb .
^= kv{g'kg]{ eP, k9g] lstfa, cfOKof8, lsG8n cflb .
&= gofF c:ktfndf ;]jf lng hfg'ePsf] xf] eg] klxn]sf]
c:ktfnsf sfuh–kq, ;f];n ;]So'l/6L sf8{, lu|gsf8{ cflb .
*= la/fdL eP, ladf/sf nIf0fx? sfuhdf n]v]/ nfg'xf]; .
d sf]nf]/f8f] /fHo x'F .
d cd]l/sfsf] Ps klZrdL
/fHo x'F . sf]nf]/f8f]sf]
/fhwfgL 8]ge/ (Denver)
xf] .
n n n
sf]nf]/f8f]sf]
If]qkmn ! nfv $ xhf/ ($
ju{ dfOn -@ nfv ^( xhf/
* ;o #& ju{ lsnf]ld6/_
5 . of] cfsf/df cf7f}+ 7"nf]
/fHo xf] .
n n n
oxfFsf] hg;+Vof %$ nfv
%^ xhf/ 5 . hg;+Vofdf of]
@@ cf}+ /fHo xf] .
n n n
sf]nf]/f8f]
(Colorado)
sf]nf]/f8f] ;g !*&^ cu:t
! df cd]l/sfsf] /fHo
ag]sf] xf] .
n n n
sf]nf]/f8f]sf] pQ/df jfof]ldª
(Wyoming), pQ/–k"j{df
g]a|f:sf (Nebraska), k"j{df
sG;f; (Kansas),
blIf0f–k"j{df cf]Snxfdf
(Oklahoma), blIf0fdf Go'
d]lS;sf] (New Mexico),
klZrddf o'6f (Utah), /
blIf0f–klZrd s'gfdf
cl/hf]gf (Arizona) 5g .
n n n
sf]nf]/f8f]sf] cfˆgf] em08f /
lgzfgf 5fk 5 .
n n n
of] /fHo cg]s vfnsf e"–
agf]6sf nflu kl/lrt
5 . oxfF lxpFn] 9fs]sf kxf8,
d¿e"dL, gbLgfnfn] agfPsf
ulx/f /ftf 8fF8fsf uN5]8f
;a} b]Vg kfOG5 .

4. $
@)!^dfr{,jif{^c+s*!
la6 dfbf{dfb}{
s]xL gofF / s]xL k'/fgf]
cIfl/sfsf] ofqf *) c+saf6
cl3a9]sf] 5 . cl3Nnf] c+sdf
b'O{ dxTjk"0f{ :tDenfO{ sl/a–
sl/a ;s]sf 5f}+ . gful/stf
kfpgsf nflu lbg'kg]{ k/LIffsf]
k':ts cg'jfb …sl/a–
sl/aÚ ;Sof}+ . o;nfO{ k':tssf]
cfsf/ lbg] k|of;df 5f}+ . bf];|f],
z/L/sf k|0ffnLsf] hfgsf/L
…sl/a–sl/aÚ ;lsPsf] 5 .
…sl/a–sl/aÚ eGg'sf] cy{ clxn]
nfO{ ;lsPsf] 5, /, tL ljifodf
yk n]Vg'k/] n]Vg]5f}+ .
o; c+saf6 ;"qsf] kfgf
…h'lStÚ ylkPsf] 5 . of] k9g
;lhnf] 5, / hfGg h¿/L .
/fHolkR5] k|To]s c+sdf
Pp6f /fHosf] hfgsf/L lbg]
k|of; klxn] u/]sf lyof}+ .
b]zsf] e"uf]n hfGg cln
;lhnf] 5}g . cfˆgf] /fHoaf/]
hfGof] . l5d]sLsf] hfGof] /
clnk/sf] hfGb} uof] . o;/L
b]zaf/] hfGg ;lhnf]
xf]nf . gofF / k'/fgf :tDeaf/]
k|ltlqmof kfpg] cfzf;lxt .
wGojfb
c+u|]hL zAb ;"rL 49
c+u|]hLdf ;fwf/0f af]nrfn ug{ rflxg] sl/a # xhf/ zAbdWo]af6 pgGrf;f}+ ;"rL -efu $(_
• consider :
lqmof– ljrf/ ug{', dgg ug'{,
Wofgdf /fVg', ;f]Rg', ljrf/
ljdz{ ug'{, /fo sfod /fVg',
;Demg', dfGg', 7x/fpg', 7fGg',
dfkm ug'{ .
• considerable :
ljz]if0f– lgSs}, Hofb},
dxÎjk"0f{, 7"nf], ljrf/0fLo,
lrGtgLo, kof{Kt, oy]i6 .
• consideration :
gfd– vflt/, n]xfh, gh/,
ljrf/, efp, ;'ema'em, Vofn,
ljj]s, jf:tf, bofdfof, Wofg,
k|of]hg, p2]Zo, ;Demf}tfsf]
cfwf/, k|ltkmn, k'/:sf/,
-cfly{s_ nfe, dfg, ;f]rgLo,
dfkmLof]Uo .
• consist :
lqmof– /xg', x'g', -ldn]/_ aGg',
lgld{t x'g', ;lDdlnt x'g',
cg's"n x'g', Psdt x'g' .
gfd– agfj6, cg';f/sf] .
• consist of :
lqmof– af6 aGg', /x]/ aGg' .
• consonant :
gfd– Jo~hg -Jofs/0fsf]_,
;+jfbL :j/, Jo~hg;Fu ldn]/
kb agfpg] .
ljz]if0f– cg'¿k, ;ªut,
ldnfgsf], d]nvfg], pko'St,
;';ªut .
• constitution :
gfd– ljwfg, /rgf, :yfkgf,
zf;g Joj:yf, ;+:yfkg, /fHo
sfF6, ;+ljwfg, k|s[lt÷:jefj,
ldhf;, agfj6, zf/Ll/s
agfj6÷u7g .
• construct :
gfd– dgdg} ljrf/ u/]/
agfPsf] j:t' .
lqmof– /rgf ug{', lgdf{0f ug{',
agfpg', tof/ kfg'{, v8f ug'{,
jfSo agfpg' .
Editor : Rajesh Koirala, Advisors : Doug Hall, Sattan Acharya, Tara Acharya, Tika Acharya, and Bhagirath Khatiwada
Bhutanese Community of New Hampshire, 510 Chestnut Street, Manchester, NH 03101, Email: aksharica.communication@gmail.com
• construction :
gfd– /rgf, agf}6, agfj6,
lgdf{0f, ;+/rgf, JofVof, lgld{t
j:t', cy{, Jofs/0fdf zAb
ljGof; .
• consult :
gfd– ;Nnfx, k/fdz{, ljrf/–
ljdz{ .
lqmof– ;Nnfx ug{', vf]Hg', x]g{',
/fo÷k/fdz{ lng', ljrf/ljdz{
ug'{, hfgsf/L jf ;dfrf/ lng',
;dfrf/ jf ;Nnfx -k':tsaf6_
lemSg', dGqg', d+q0ff ug{',
PsfGt ug{' .
• consumer :
gfd– pkef]Stf, u|fxs, vkt
ug]{ JolSt jf j:t', ;]jfu|fxL .
• contact :
gfd– :kz{, ;Dks{, 5'jfO,
5'jf5't, n;k;, nf6n'6,
nufp, kx'Fr, ;fOgf], 5't5ft,
;+;u{, -tf/sf]_ hf]8fO .
lqmof– ;Dks{ :yflkt ug'{,
:kz{ ug'{, 5'g', ;+;u{ ug'{,
e]63f6 ug'{, hf]8g', e]6g' .
• contain :
lqmof– /fV‍g', wf/0f ug{', yfDg',
c6fpg', vfDg', k}7g', ;dfj]z
ug{' jf x'g', ;+oldt eP/ a:g',
/f]Sg', cGtlj{i6 x'g' jf ug'{,
bafpg', a/fa/ x'g' .
• container :
gfd– efF8f], kfq, Jofkf/Lsf
;fdfg lgsf;L k}7f/L ug{
k|of]u ug]{ 7"nf] afs;,
sG6]g/, xltof/ af]Sg] 7"nf]
afs;, wf/s, leml6efF8f] .
• contemporary :
gfd– ;dsfnLg JolSt÷klqsf .
ljz]if0f– ;dsfnLg, ;+;[i‍6,
bf}+t/L, ;djo:s, ;jof, pd]/
ldNbf], ;dfg jo, cfw'lgs, Ps}
;do÷sfn÷pd]/sf] .
qmdzM
Jofs/0f lbj;
(Grammar Day)
c+u|]hL efiffsf lzIfs, lzIffyL{
tyf o;;DaGwL JolStn] dfr{
$ tfl/vdf /fli6«o Jofs/0f
lbj; (National Grammar
Day) dgfpF5g .
of] lbj; dfyf{ a|f]sga|'
(Martha Brockenbrough) n]
;g @))* df dgfpg yfNg'–
ePsf] xf] . pxfFn] ;f];fO6L
km/ b k|f]df];g ckm u'8 u|fd/
(Society for the Promotion
of Good Grammar; SPOGG)
:yfkgf ug'{ePsf] xf] .
Jofs/0fsf lgoddf hf]8 lbg
of] lbj; dgfOG5 .
j;Gt Ct'sf] klxnf] lbg
(First Day of Spring)
;g @)!^ sf] j;Gt Ct'sf]
klxnf] lbg dfr{ @) xf] . oxfF
!@ dlxgfdWo] #–# j6fsf $
j6f Ct' (Season) x'G5gM
à j;Gt -Spring; l:k|ª_ M
dfr{ clk|n, / d]
à u[id -Summer; ;d/_ M
h'g, h'nfO{, / cu:t
à z/b -Fall/Autumn;
kmn÷cf6d_ M ;]K6]Da/,
cS6f]a/, / gf]e]Da/
à lxpFb -Winter; ljG6/_ M
l8;]Da/, hgj/L, / km]a|'c/L .