Outlays include consumer spending, interest payments on installment debt and transfer payments.

这些支出包括消费性支出，分期付款债务的利息支付还有转移性支付。

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Even with the recent winding down of debt levels, consumer credit (excludes mortgage payments) as a percent of personal income has grown from 15.5% in 1975 to 20.6% in 2009 according to data by the U.S. Bureau of Economic Analysis and the Federal Reserve.

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The data point most utilized by those who espouse the idea of a healthy consumer is the household debt service ratio (DSR), a metric that relates debt payments to disposable personal income.

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