Many consumers spend more than they earn, borrowing or dipping into savings to make up the difference.

很多消费者入不敷出，需要靠举债和动用积蓄来填沟。

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Most would use multiple methods ranging from dipping into savings, asking for help from family and friends, using loans or credits CARDS, taking out payday loans or selling possessions.

大多数人的应对方式有以下几种：动用储蓄；向家人和朋友求助；贷款或使用信用卡；利用“发薪日贷款”或变卖资产。

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After months of dipping into their savings to fund spending, houses took advantage of the rise in income to boost saving.

几个月来家庭一直在动用存款来支应支出，现在终于可以因收入增加而提高储蓄了。

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The difference, he said, was made up by dipping into savings.

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"People are dipping into savings, " says Richardson.

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And many families also keep a sizable amount of money in their savings account or continue to put money into their 401(k)s, while still carrying thousands of dollars in credit-card debt--even though dipping into savings and paying off their credit-card bills would guarantee them an immediate return on investment of 15% or 18%.

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