After the personal-savings rate dipped to zero in 2005, the shock of the economic crisis last year prompted people to snap shut their wallets.
在2005年个人储蓄率降至零之后，去年经济危机的冲击促使人们迅速捂紧钱包。
2
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。
3
Additional loans and gifts from relatives, forthcoming because of group obligation rather than narrow investment calculation, have supplemented personalsavings.