To build up my own finances, I need around 20% more in personalsavings and 50% less debt.
为了积累自己的财力，我需要增加20%左右的个人储蓄，并减少50%的债务。
2
Additional loans and gifts from relatives, forthcoming because of group obligation rather than narrow investment calculation, have supplemented personalsavings.
来自亲戚的额外贷款和礼物是出于集体义务，而不是狭隘的投资计算，补充了个人储蓄。
3
Personalsavings have been accumulated, often through frugal living habits that require sacrifices by the entire family and are thus a product of long-term family financial behavior.