英国家庭可支配现金出现了8年来的最大降幅
正文翻译
(Households’ financial wellbeing has deteriorated at the fastest rate since early 2020.)
（家庭财务状况以2020年初以来最快的速度恶化）
新闻：
UK households suffer biggest fall in available cash in eight years
-Cashflow hit by rising expenses amid surging bills and impact of Omicron, finds quarterly study
英国家庭可支配现金出现了8年来的最大降幅
——季度研究发现，由于账单飙升和奥密克戎的影响，现金流受到了支出增加的打击
-Cashflow hit by rising expenses amid surging bills and impact of Omicron, finds quarterly study
英国家庭可支配现金出现了8年来的最大降幅
——季度研究发现，由于账单飙升和奥密克戎的影响，现金流受到了支出增加的打击
(Households’ financial wellbeing has deteriorated at the fastest rate since early 2020.)
（家庭财务状况以2020年初以来最快的速度恶化）
新闻：
UK households have suffered the sharpest fall in the amount of cash they have available to spend for almost eight years, amid a worsening cost of living crisis driven by high inflation and rising energy bills.
英国家庭可用于支出的现金数量出现了近8年来的最大降幅，高通胀和不断上涨的能源账单导致生活成本危机恶化。
英国家庭可用于支出的现金数量出现了近8年来的最大降幅，高通胀和不断上涨的能源账单导致生活成本危机恶化。
According to a report by the insurer Scottish Widows, increasing living costs at the end of last year hit people’s pockets and led to the steepest decline in cash availability since the start of 2014.
根据苏格兰孤寡基金保险的一份报告，去年年底生活成本的增加使人们的口袋受到冲击，导致可支配现金出现了2014年初以来的最大降幅。
根据苏格兰孤寡基金保险的一份报告，去年年底生活成本的增加使人们的口袋受到冲击，导致可支配现金出现了2014年初以来的最大降幅。
It said people were increasingly pessimistic about their future finances in 2022, according to the latest reading from its quarterly household finance index.
根据其季度家庭财务指数的最新读数，该机构表示，人们对2022年未来的财务状况越来越悲观。
根据其季度家庭财务指数的最新读数，该机构表示，人们对2022年未来的财务状况越来越悲观。
The poll of 1,500 individuals, compiled by Ipsos Mori and IHS Markit on behalf of the insurer, found that pressure intensified on savings and disposable income in the final months of 2021, with both declining quicker than at anytime in over the past seven years.
这项由益普索·莫里和IHS Markit代表该保险公司对1500名个人进行的调查发现，在2021年的最后几个月，储蓄和可支配收入的压力加剧，两者的下降速度都超过了过去7年的任何时候。
这项由益普索·莫里和IHS Markit代表该保险公司对1500名个人进行的调查发现，在2021年的最后几个月，储蓄和可支配收入的压力加剧，两者的下降速度都超过了过去7年的任何时候。
The index, which measures households’ overall perceptions of financial wellbeing, fell from 44 in the third quarter to 40.1 in the final quarter of 2021, the lowest reading since the second quarter of 2020 when Covid-19 first spread. A figure above 50 signals an improvement as opposed to a deterioration.
衡量家庭整体财务状况的该指数从第三季度的44下降到2021年第四季度的40.1，这是自新冠病毒首次传播的2020年第二季度以来的最低水平。该指数高于50时表明情况有所改善，而不是恶化。
衡量家庭整体财务状况的该指数从第三季度的44下降到2021年第四季度的40.1，这是自新冠病毒首次传播的2020年第二季度以来的最低水平。该指数高于50时表明情况有所改善，而不是恶化。
It comes as a separate report from the Royal Society for Arts said young adults were among the hardest hit by the cost of living crisis, in a warning that the damage to their finances from inflation, student debt, and rising taxes risked creating a new “generation precariat”.
英国皇家艺术学会的另一份报告称，年轻成年人是受生活成本危机影响最严重的群体之一，并警告称，通胀、学生债务和税收上涨对他们的财务造成的损害可能会造就新一代“不稳定人士”。
英国皇家艺术学会的另一份报告称，年轻成年人是受生活成本危机影响最严重的群体之一，并警告称，通胀、学生债务和税收上涨对他们的财务造成的损害可能会造就新一代“不稳定人士”。
According to a survey of 1,000 young adults by the thinktank, researchers found almost half (47%) were unable or just about managing to make ends meet each month, or had an income that varied significantly from paycheck to paycheck.
根据该智库对1000名年轻人的调查，研究人员发现近一半（47%）的人每月都无法或勉强维持收支平衡，或者收入因不同的薪水而有很大差异。
根据该智库对1000名年轻人的调查，研究人员发现近一半（47%）的人每月都无法或勉强维持收支平衡，或者收入因不同的薪水而有很大差异。
With inflation at the highest level in a decade, ministers are coming under growing pressure to act on living standards ahead of an expected sharp increase in gas and electricity prices for British consumers from April.
随着英国通胀率达到10年来的最高水平，大臣们面临着越来越大的压力，要求他们在英国消费者的天然气和电力价格预计将从4月起大幅上涨之前，在（改善）生活水平方面采取行动。
随着英国通胀率达到10年来的最高水平，大臣们面临着越来越大的压力，要求他们在英国消费者的天然气和电力价格预计将从4月起大幅上涨之前，在（改善）生活水平方面采取行动。
According to the RSA study, carried out as part of an inquiry by the Health Foundation thinktank into young people’s health, those living in financially precarious situations were far more likely to be worried about their mental and physical health.
英国皇家艺术学会的这项研究是健康基金会智库对年轻人健康进行调查的一部分，研究表明，那些生活在经济不稳定状况下的年轻人更有可能担心自己的身心健康。
英国皇家艺术学会的这项研究是健康基金会智库对年轻人健康进行调查的一部分，研究表明，那些生活在经济不稳定状况下的年轻人更有可能担心自己的身心健康。
It found that just 41% of young people believed others like them would ever be able to buy their own home, and only 51% thought they would ever earn enough to support a family. Just over half (51%) said they thought young people like them would not be able to retire and live comfortably when the time comes.
调查发现，只有41%的年轻人认为像他们这样的人有能力购买自己的房子，只有51%的人认为他们能赚到足够的钱养家。略超过半数（51%）的人表示，他们认为像他们这样的年轻人无法在退休后过上舒适的生活。
调查发现，只有41%的年轻人认为像他们这样的人有能力购买自己的房子，只有51%的人认为他们能赚到足够的钱养家。略超过半数（51%）的人表示，他们认为像他们这样的年轻人无法在退休后过上舒适的生活。
The researchers said young adults risked a tougher squeeze than other age groups as the government’s “national living wage” for under-23s was lower than the headline rate of £8.91 an hour. The legal pay floor will go up to £9.50 from April for those aged 23 and over, while there will also be increases for those in younger age brackets.
研究人员表示，与其他年龄段的人相比，年轻人面临的压力更大，因为政府为23岁以下人群制定的“国家最低生活工资”低于每小时8.91英镑的总体水平。从4月起，23岁及以上人群的法定最低工资将提高到9.5英镑，而年龄较低的人群也将有所增加。
研究人员表示，与其他年龄段的人相比，年轻人面临的压力更大，因为政府为23岁以下人群制定的“国家最低生活工资”低于每小时8.91英镑的总体水平。从4月起，23岁及以上人群的法定最低工资将提高到9.5英镑，而年龄较低的人群也将有所增加。
The RSA also noted that the government was considering lowering the repayment threshold on student loans to £22,000 from £27,295 at present, which would have the effect of reducing incomes for graduates.
英国皇家艺术学会还指出，政府正在考虑将学生贷款的偿还门槛从目前的27295英镑降低到22000英镑，这将会减少毕业生的收入。
英国皇家艺术学会还指出，政府正在考虑将学生贷款的偿还门槛从目前的27295英镑降低到22000英镑，这将会减少毕业生的收入。
Fran Landreth Strong, an RSA researcher and lead author of the report, said: “Young people across the UK face a toxic cocktail of inadequate work and safety nets, high levels of debt, and a rising cost of living.
英国皇家艺术学会研究员、该报告的主要作者弗兰·兰德里斯·斯特朗说：“全英国的年轻人都面临着工作和社会保障不足、高水平的债务和不断上升的生活成本的‘有毒鸡尾酒’。
英国皇家艺术学会研究员、该报告的主要作者弗兰·兰德里斯·斯特朗说：“全英国的年轻人都面临着工作和社会保障不足、高水平的债务和不断上升的生活成本的‘有毒鸡尾酒’。
“Our research shows that this results in a worrying number of young people facing financial precarity, with significant impact on their mental and physical health and their confidence about the future. Without proper action, we risk creating a ‘generation precariat’, unable to invest in their futures and move confidently into adulthood.”
“我们的研究表明，这导致越来越多的年轻人面临经济不稳定，这对他们的身心健康和对未来的信心产生了重大影响。如果不采取适当的行动，我们可能会创造出‘不稳定的一代’，他们无法为自己的未来投资，也无法自信地步入成年。”
“我们的研究表明，这导致越来越多的年轻人面临经济不稳定，这对他们的身心健康和对未来的信心产生了重大影响。如果不采取适当的行动，我们可能会创造出‘不稳定的一代’，他们无法为自己的未来投资，也无法自信地步入成年。”
评论翻译
Chris0288
It is looking very bleak I must admit it's even getting to me. Myself and my wife work very hard and are lucky to have decent paying jobs, also we are good with our finances, but I still am concerned. I really worry for those in less fortunate positions. I fear more-so that the government just don't care.
Every time a useless incompetent MP is paraded on to the TV rounds and asked about this they just start blatantly (Shapps) reading from notes they have stuck to their desk, £140 for this, £25 for that etc. These amounts just aren't enough for those that really need it, nowhere near. They are all on at least £80k plus expenses, plus whatever other jobs they are taking bungs from on the side. They are so far removed from any financial worries it's frightening.
这看起来很凄凉，我必须承认我也受到了影响。我和我的妻子工作非常努力，很幸运有一份体面的薪水工作，我们的财务状况也很好，但我仍然担心。我真的很担心那些处境不那么幸运的人。如果政府不在乎，我会更害怕。
每当一个无用的无能的议员被带到电视上，被问到这个问题时，他们就会明目张张地从贴在办公桌上的纸条上念起：这个140英镑，那个25英镑，等等。对于那些真正有需要的人来说，这些数量是远远不够的。这些政客都至少有8万英镑的收入，再加上他们兼职做的其他工作。他们远离任何令人恐惧的财务担忧。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
It is looking very bleak I must admit it's even getting to me. Myself and my wife work very hard and are lucky to have decent paying jobs, also we are good with our finances, but I still am concerned. I really worry for those in less fortunate positions. I fear more-so that the government just don't care.
Every time a useless incompetent MP is paraded on to the TV rounds and asked about this they just start blatantly (Shapps) reading from notes they have stuck to their desk, £140 for this, £25 for that etc. These amounts just aren't enough for those that really need it, nowhere near. They are all on at least £80k plus expenses, plus whatever other jobs they are taking bungs from on the side. They are so far removed from any financial worries it's frightening.
这看起来很凄凉，我必须承认我也受到了影响。我和我的妻子工作非常努力，很幸运有一份体面的薪水工作，我们的财务状况也很好，但我仍然担心。我真的很担心那些处境不那么幸运的人。如果政府不在乎，我会更害怕。
每当一个无用的无能的议员被带到电视上，被问到这个问题时，他们就会明目张张地从贴在办公桌上的纸条上念起：这个140英镑，那个25英镑，等等。对于那些真正有需要的人来说，这些数量是远远不够的。这些政客都至少有8万英镑的收入，再加上他们兼职做的其他工作。他们远离任何令人恐惧的财务担忧。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
LilaLaLina
But house prices are up! So we are wealthier than ever!
但是房价上涨了！所以我们比以前更富有了！
But house prices are up! So we are wealthier than ever!
但是房价上涨了！所以我们比以前更富有了！
Anacrotic
Yes, as long as house prices remain in permanent increase and the stock market is buoyant everything is totally fine, according to the media and government.
是的，根据媒体和政府的说法，只要房价持续上涨，股市保持上涨势头，那就一切都没问题。
Yes, as long as house prices remain in permanent increase and the stock market is buoyant everything is totally fine, according to the media and government.
是的，根据媒体和政府的说法，只要房价持续上涨，股市保持上涨势头，那就一切都没问题。
poorguy55
What if I don’t own a house? Government / Boomers : Not our problem!
要是我没有房子怎么办？政府/婴儿潮一代：这不是我们的问题！
What if I don’t own a house? Government / Boomers : Not our problem!
要是我没有房子怎么办？政府/婴儿潮一代：这不是我们的问题！
InvisibleTextArea
I live on a yacht. Boats are still depreciating sensibly over time. e.g. my boat was a quarter of a million when it was new in the 80's. I picked it up for less than £20k. Some elbow grease was required to bring it up to standard (about £5K).
A down payment on a shitty terraced house is more than £20K and the studio flats in the converted warehouses around my marina go for £2M+.
Life Hacks or something? :D
我住在一艘游艇上。随着时间的推移，游艇仍在大幅贬值。我的船在80年代还是新的时，价值2.5万英镑。我花了不到2万英镑买下它。为了使它达到标准，我们费了不少力气（大概花了5000英镑）。
一套破联排屋的首付要2万多英镑，而我码头附近的一套由仓库改建的单间公寓要200多万英镑。
这是“生活技巧”还是什么？: D
I live on a yacht. Boats are still depreciating sensibly over time. e.g. my boat was a quarter of a million when it was new in the 80's. I picked it up for less than £20k. Some elbow grease was required to bring it up to standard (about £5K).
A down payment on a shitty terraced house is more than £20K and the studio flats in the converted warehouses around my marina go for £2M+.
Life Hacks or something? :D
我住在一艘游艇上。随着时间的推移，游艇仍在大幅贬值。我的船在80年代还是新的时，价值2.5万英镑。我花了不到2万英镑买下它。为了使它达到标准，我们费了不少力气（大概花了5000英镑）。
一套破联排屋的首付要2万多英镑，而我码头附近的一套由仓库改建的单间公寓要200多万英镑。
这是“生活技巧”还是什么？: D
JMacd1987
Is it economically viable to live like that for an average person? Either someone that has work commitments or someone able to live off savings/pension
because the cost of living/maintaining a boat must be high, even though it's a cheaper at first, as you say, they depreciate in value.
对于一个普通人来说，这样的生活在经济上可行吗？要么是有工作承诺的人，要么是能够靠储蓄/养老金生活的人
因为生活/维护一艘船的成本肯定很高，即使它一开始很便宜，就像你说的，它们的价值会贬值。
Is it economically viable to live like that for an average person? Either someone that has work commitments or someone able to live off savings/pension
because the cost of living/maintaining a boat must be high, even though it's a cheaper at first, as you say, they depreciate in value.
对于一个普通人来说，这样的生活在经济上可行吗？要么是有工作承诺的人，要么是能够靠储蓄/养老金生活的人
因为生活/维护一艘船的成本肯定很高，即使它一开始很便宜，就像你说的，它们的价值会贬值。
Tech_AllBodies
Seems to be reaching unsustainable levels for real this time though.
I say this because the %-rise in London was pretty low last year, and also %-yield on rent has been dropping for a little while.
i.e. if the house goes up in value by 10%, you may not be able to put the rent up 10%, as no one may be able to afford that, so your yield drops
It used to be a general rule that 7-8% rent yield was good, but now ~5.5% is becoming common.
So, hopefully, this will lead to a cooling off of buy-to-rent snapping up properties.
但这一次似乎真的达到了不可持续的水平。
我之所以这么说，是因为伦敦房价去年的涨幅相当低，而且租金收益率已经下降了一段时间。
比如，如果房子的价值上升了10%，你可能无法将租金提高10%，因为没有人能够负担得起，所以你的收益就会下降
7-8%的租金收益曾经是一个普遍的规律，但现在5.5%的租金收益变得越来越普遍。
所以，希望这能让买房-出租-赚租金的热潮降温。
Seems to be reaching unsustainable levels for real this time though.
I say this because the %-rise in London was pretty low last year, and also %-yield on rent has been dropping for a little while.
i.e. if the house goes up in value by 10%, you may not be able to put the rent up 10%, as no one may be able to afford that, so your yield drops
It used to be a general rule that 7-8% rent yield was good, but now ~5.5% is becoming common.
So, hopefully, this will lead to a cooling off of buy-to-rent snapping up properties.
但这一次似乎真的达到了不可持续的水平。
我之所以这么说，是因为伦敦房价去年的涨幅相当低，而且租金收益率已经下降了一段时间。
比如，如果房子的价值上升了10%，你可能无法将租金提高10%，因为没有人能够负担得起，所以你的收益就会下降
7-8%的租金收益曾经是一个普遍的规律，但现在5.5%的租金收益变得越来越普遍。
所以，希望这能让买房-出租-赚租金的热潮降温。
KernowFishy
In the end this is what brings down governments. Especially when they are pushing on with tax rises and have promised that the likes of food and fuel would be cheaper and we'd all be better off after their brexit project. Literally everything Johnson promised and built his majority on an has gone proven false. I get the feeling they will lose and lose hard in 2 years time. In the meantime we've all got a lot of shit to get through.
Promise to level us up and level all down except some very wealthy Tory donors. Johnson has delivered exactly what many feared ..
最终，这就是导致政府垮台的原因。特别是当他们正在推动增税，并承诺食品和燃料等将更便宜，我们都将在他们的脱欧项目后过得更好。事实上，约翰逊所承诺的一切以及让他赢得多数席位的一切都被证明是错误的。我感觉他们会输，而且在两年内输得很惨。与此同时，我们都有一大堆麻烦要处理。
答应把我们都拉高，把所有人都拉低，除了一些非常富有的保守党捐赠者。约翰逊所做的正是许多人所担心的…
In the end this is what brings down governments. Especially when they are pushing on with tax rises and have promised that the likes of food and fuel would be cheaper and we'd all be better off after their brexit project. Literally everything Johnson promised and built his majority on an has gone proven false. I get the feeling they will lose and lose hard in 2 years time. In the meantime we've all got a lot of shit to get through.
Promise to level us up and level all down except some very wealthy Tory donors. Johnson has delivered exactly what many feared ..
最终，这就是导致政府垮台的原因。特别是当他们正在推动增税，并承诺食品和燃料等将更便宜，我们都将在他们的脱欧项目后过得更好。事实上，约翰逊所承诺的一切以及让他赢得多数席位的一切都被证明是错误的。我感觉他们会输，而且在两年内输得很惨。与此同时，我们都有一大堆麻烦要处理。
答应把我们都拉高，把所有人都拉低，除了一些非常富有的保守党捐赠者。约翰逊所做的正是许多人所担心的…
CyclopsRock
This is a slightly weird one, though, because it's not based on financial data but rather people's self reporting, and so all you get is the trend. I'm not doubting the statistical validity of it, but we've also seen savings rising by huge amounts of the last few years (as people couldn't go on holiday, weren't spending money commuting and couldn't do anything with their disposable income) - so for a lot of people this "biggest fall" may well be coming from an uncharacteristic high point.
这是一个有点奇怪的数据，因为它不是基于财务数据，而是人们的自我报告，所以你得到的只是趋势。我不怀疑它的统计有效性，但我们也看到储蓄在过去几年里大幅增加（因为人们不能去度假，没有花在通勤上的钱，也不能用他们的可支配收入做任何事情），所以对很多人来说，这个“最大的下降”可能起自于一个不寻常的高点。
This is a slightly weird one, though, because it's not based on financial data but rather people's self reporting, and so all you get is the trend. I'm not doubting the statistical validity of it, but we've also seen savings rising by huge amounts of the last few years (as people couldn't go on holiday, weren't spending money commuting and couldn't do anything with their disposable income) - so for a lot of people this "biggest fall" may well be coming from an uncharacteristic high point.
这是一个有点奇怪的数据，因为它不是基于财务数据，而是人们的自我报告，所以你得到的只是趋势。我不怀疑它的统计有效性，但我们也看到储蓄在过去几年里大幅增加（因为人们不能去度假，没有花在通勤上的钱，也不能用他们的可支配收入做任何事情），所以对很多人来说，这个“最大的下降”可能起自于一个不寻常的高点。
V_Ster
The problem with this is the not everyone was able to save money across the population: the wealthiest and those that were afforded the opportunity to work from home managed it.
The current situation is a population wide issue whereby everyone is impacted by the increases in utilities, food/drink, consumer goods increase.
I was lucky to save a lot during lockdown but even now, that money was earmarked for remortgage, not for increasing daily cost pressures.
问题在于，并非所有人都能省钱：最富有的人和那些有机会在家工作的人都能做到这一点。
目前的情况是一个广泛的人口问题，每个人都受到公用事业、食品/饮料、消费品支出增加的影响。
幸运的是，我在封锁期间存了很多钱，但即使是现在，这笔钱也被用于再抵押贷款，而不是用于弥补日常成本增加的压力。
The problem with this is the not everyone was able to save money across the population: the wealthiest and those that were afforded the opportunity to work from home managed it.
The current situation is a population wide issue whereby everyone is impacted by the increases in utilities, food/drink, consumer goods increase.
I was lucky to save a lot during lockdown but even now, that money was earmarked for remortgage, not for increasing daily cost pressures.
问题在于，并非所有人都能省钱：最富有的人和那些有机会在家工作的人都能做到这一点。
目前的情况是一个广泛的人口问题，每个人都受到公用事业、食品/饮料、消费品支出增加的影响。
幸运的是，我在封锁期间存了很多钱，但即使是现在，这笔钱也被用于再抵押贷款，而不是用于弥补日常成本增加的压力。
BrilliantSociety
this "biggest fall" may well be coming from an uncharacteristic high point.
Do you have a source for that claim?
“这个‘最大的下降’可能起自于一个不寻常的高点”
你有信息来源吗？
this "biggest fall" may well be coming from an uncharacteristic high point.
Do you have a source for that claim?
“这个‘最大的下降’可能起自于一个不寻常的高点”
你有信息来源吗？
alexniz
The Bank of England Money and Credit report shows the effects on savings and credit very clearly. You can see that during lockdowns savings go through the roof whilst credit plummets with both now back to normal levels (though too early to see if Omicron changes any of that).
It is however not the complete picture as different income groups were affected differently. Lower income groups saw savings reduced but middle and higher income groups did not, as well as retired folk who did the best. See this image from a a separate Bank of England report.
This is Scottish Widows' graph from the actual report the article is based upon. It is a messy graph, but 50 represents no change. Below 50 is a declining situation and above 50 is improving situation. If you focus then on the orange line, savings, and then look around 2020 and 2021 you'll see there's no big jump, if anything it goes down.
So you have a big mismatch between hard data from the institutions that report into the BoE and self-reported data based on people's perceptions from Scottish Widows. You'll also notice how it's essentially all below 50 meaning for two decades the situation has been declining. This is a common theme on all the other data in their report and it doesn't really add up. Instead I think it just shows people's natural pessimism. Much like how people's fear of crime is always higher than the actual crime occurring.
英格兰银行的货币和信贷报告（译注：链接）非常清楚地显示了储蓄和信贷的影响。你可以看到，在封锁期间，储蓄大幅增加，而信贷大幅下降，现在两者都回到了正常水平（不过要想知道奥密克戎是否改变了这一点还为时过早）。
然而，这并不是全部情况，因为不同的收入群体受到的影响不同。低收入群体的储蓄减少了，但中等和较高收入群体的储蓄没有减少，退休人群的储蓄也有所减少。请参阅英格兰银行另一份报告中的图片。
这是苏格兰孤寡基金的图表（译注：链接），来自文章所依据的实际报告。这是一个混乱的图表，但50表示没有变化。低于50是下降的情况，超过50是改善的情况。如果你关注橙色的这条线，储蓄，然后看看2020年和2021年左右，你会看到没有大的跳跃，如果有什么的话，它还下降了。
因此，在向英国央行报告的机构提供的硬数据和苏格兰孤寡基金根据人们的看法提供的自我报告数据之间存在很大的不匹配。你还会注意到，它基本上都低于50，这意味着20年来情况一直在下降。这是他们报告中所有其他数据的一个共同主题，但它并没有真正累加起来。相反，我认为这只是人们天生的悲观主义。就像人们对犯罪的恐惧总是高于实际发生的犯罪一样。
The Bank of England Money and Credit report shows the effects on savings and credit very clearly. You can see that during lockdowns savings go through the roof whilst credit plummets with both now back to normal levels (though too early to see if Omicron changes any of that).
It is however not the complete picture as different income groups were affected differently. Lower income groups saw savings reduced but middle and higher income groups did not, as well as retired folk who did the best. See this image from a a separate Bank of England report.
This is Scottish Widows' graph from the actual report the article is based upon. It is a messy graph, but 50 represents no change. Below 50 is a declining situation and above 50 is improving situation. If you focus then on the orange line, savings, and then look around 2020 and 2021 you'll see there's no big jump, if anything it goes down.
So you have a big mismatch between hard data from the institutions that report into the BoE and self-reported data based on people's perceptions from Scottish Widows. You'll also notice how it's essentially all below 50 meaning for two decades the situation has been declining. This is a common theme on all the other data in their report and it doesn't really add up. Instead I think it just shows people's natural pessimism. Much like how people's fear of crime is always higher than the actual crime occurring.
英格兰银行的货币和信贷报告（译注：链接）非常清楚地显示了储蓄和信贷的影响。你可以看到，在封锁期间，储蓄大幅增加，而信贷大幅下降，现在两者都回到了正常水平（不过要想知道奥密克戎是否改变了这一点还为时过早）。
然而，这并不是全部情况，因为不同的收入群体受到的影响不同。低收入群体的储蓄减少了，但中等和较高收入群体的储蓄没有减少，退休人群的储蓄也有所减少。请参阅英格兰银行另一份报告中的图片。
这是苏格兰孤寡基金的图表（译注：链接），来自文章所依据的实际报告。这是一个混乱的图表，但50表示没有变化。低于50是下降的情况，超过50是改善的情况。如果你关注橙色的这条线，储蓄，然后看看2020年和2021年左右，你会看到没有大的跳跃，如果有什么的话，它还下降了。
因此，在向英国央行报告的机构提供的硬数据和苏格兰孤寡基金根据人们的看法提供的自我报告数据之间存在很大的不匹配。你还会注意到，它基本上都低于50，这意味着20年来情况一直在下降。这是他们报告中所有其他数据的一个共同主题，但它并没有真正累加起来。相反，我认为这只是人们天生的悲观主义。就像人们对犯罪的恐惧总是高于实际发生的犯罪一样。
bojos_sweaty_nutsack
Uhm yeah the only people who saved any money was the rich and office workers (middle class). With inflation and rising bills over the last year, everyone else has been feeling the pain.
But at least the office workers have more savings! Big plus right? I'm sure those using food banks feel happy for them.
P.s. hope you enjoyed the working class benefits you bunch of scroungers
嗯，唯一存钱的人是富人和上班族（中产阶级）。随着过去一年的通货膨胀和账单上涨，其他所有人都感受到了痛苦。
但至少上班族有更多的积蓄！大加分项是吧！我相信那些使用食品银行的人会为他们感到高兴。
PS：希望你们享受工人阶级的“福利”，你们这群骗子
Uhm yeah the only people who saved any money was the rich and office workers (middle class). With inflation and rising bills over the last year, everyone else has been feeling the pain.
But at least the office workers have more savings! Big plus right? I'm sure those using food banks feel happy for them.
P.s. hope you enjoyed the working class benefits you bunch of scroungers
嗯，唯一存钱的人是富人和上班族（中产阶级）。随着过去一年的通货膨胀和账单上涨，其他所有人都感受到了痛苦。
但至少上班族有更多的积蓄！大加分项是吧！我相信那些使用食品银行的人会为他们感到高兴。
PS：希望你们享受工人阶级的“福利”，你们这群骗子
OutlawRealms
Well, what do you expect when half of the UK gets shut down, and with all the other shut downs. And I'm less than broke now, and have to pay ridiculous taxes for the government to waste.
那么，当一半的英国被封锁，其他的也要被封锁时，你能指望什么呢？而且我现在还没破产，还得为政府支付荒谬的税收供它拿去挥霍。
Well, what do you expect when half of the UK gets shut down, and with all the other shut downs. And I'm less than broke now, and have to pay ridiculous taxes for the government to waste.
那么，当一半的英国被封锁，其他的也要被封锁时，你能指望什么呢？而且我现在还没破产，还得为政府支付荒谬的税收供它拿去挥霍。
0101111000101010
Well yeah, we had two years or so of building up cash from lockdowns and furloughs. The year of reopening is always going to show a large year on year increase.
是啊，我们有两年左右的时间通过封锁和休假积累现金。重开之年总是会呈现出逐年增长的态势。
Well yeah, we had two years or so of building up cash from lockdowns and furloughs. The year of reopening is always going to show a large year on year increase.
是啊，我们有两年左右的时间通过封锁和休假积累现金。重开之年总是会呈现出逐年增长的态势。
JMacd1987
How does it work out though? I've honestly never understood how people can't save money, I've only earned minimum wage or a few pennies over, and I always made sure to save and invest.
It's just for the past 10+ years I've been reading these 'oh the poor millenials are so shafted' etc articles in the Guardian, and while it migt be true for some, I think they are agenda pushing, being a left wing orientated paper they want to portray things as being worse than they are.
它是怎么回事？老实说，我从来都不明白为什么人们不能存钱，我只挣最低工资或几便士，我总是确保存钱和投资。
只是在过去的10多年里，我一直在《卫报》上读到“哦，可怜的千禧一代是如此的愚蠢”等文章，虽然这对一些人来说可能是真的，但我认为他们是在推动议程，作为一份左翼倾向的报纸，他们想把事情描绘得比实际情况更糟。
How does it work out though? I've honestly never understood how people can't save money, I've only earned minimum wage or a few pennies over, and I always made sure to save and invest.
It's just for the past 10+ years I've been reading these 'oh the poor millenials are so shafted' etc articles in the Guardian, and while it migt be true for some, I think they are agenda pushing, being a left wing orientated paper they want to portray things as being worse than they are.
它是怎么回事？老实说，我从来都不明白为什么人们不能存钱，我只挣最低工资或几便士，我总是确保存钱和投资。
只是在过去的10多年里，我一直在《卫报》上读到“哦，可怜的千禧一代是如此的愚蠢”等文章，虽然这对一些人来说可能是真的，但我认为他们是在推动议程，作为一份左翼倾向的报纸，他们想把事情描绘得比实际情况更糟。
Omega_Warlord
Yeh because only idiots have been splurging cash the last two years. Now everyone has savings and is spending.
Before it was a worry no one is spending so we must save capitalism and open the shops. Now everyone is spending too much...ffs
是的，因为只有白痴才在过去的两年里挥霍现金。现在每个人都有储蓄并在消费。
以前人们担心没有人在花钱，所以我们必须拯救资本主义，开放商店。现在每个人都花了太多钱
Yeh because only idiots have been splurging cash the last two years. Now everyone has savings and is spending.
Before it was a worry no one is spending so we must save capitalism and open the shops. Now everyone is spending too much...ffs
是的，因为只有白痴才在过去的两年里挥霍现金。现在每个人都有储蓄并在消费。
以前人们担心没有人在花钱，所以我们必须拯救资本主义，开放商店。现在每个人都花了太多钱
fire-wannabe
If your cash is low, in the first instance you should probably earn a little more.
If you don't fancy that, just sell down some investments to cash, so long as it doesn't push you into paying capital gains tax.
If you need more money than that, just sell some ISA investments too.
Not a big drama, is it, so long as you're prepared for every eventuality.
如果你的现金不多，首先你应该多赚一点。
如果你不喜欢这样，那就把一些投资变现，只要不迫使你缴纳资本利得税就行。
如果你需要更多的钱，也可以卖掉一些个人储蓄账户投资。
这不是什么大戏，对吧，只要你准备好应付一切可能发生的事。
If your cash is low, in the first instance you should probably earn a little more.
If you don't fancy that, just sell down some investments to cash, so long as it doesn't push you into paying capital gains tax.
If you need more money than that, just sell some ISA investments too.
Not a big drama, is it, so long as you're prepared for every eventuality.
如果你的现金不多，首先你应该多赚一点。
如果你不喜欢这样，那就把一些投资变现，只要不迫使你缴纳资本利得税就行。
如果你需要更多的钱，也可以卖掉一些个人储蓄账户投资。
这不是什么大戏，对吧，只要你准备好应付一切可能发生的事。
Gingerbeardyboy
Step 1, yeah reasonable I guess, not always possible but yeah fair.
Steps 2 and 3??? You do realise only 40% of the UK population has an ISA? Of which most of those skew older and for the vast majority of those under 45, they hold less than £2.5k in their accounts? That's hardly going to last long and I'm willing to bet, if the under 45s have any "investments" the only one that would make them any money is their own home (which chances are they don't have one anyways). Steps 2 and 3 only really apply to those wealthy enough not to really notice/care about a cash drop
第1步，我认为是合理的，虽然不总是可能，但很合理。
步骤2和步骤3？？你知道只有40%的英国人有个人储蓄存款吗？其中大多数人的年龄还偏大，而对于绝大多数45岁以下的人来说，他们账户里的钱不足2500英镑？这种情况不会持续太久，我敢打赌，如果45岁以下的人有任何“投资”，唯一能让他们赚钱的就是他们自己的房子（但他们很可能根本就没有房子）。第2步和第3步只适用于那些足够富有，不会真正注意/关心现金掉落的人
Step 1, yeah reasonable I guess, not always possible but yeah fair.
Steps 2 and 3??? You do realise only 40% of the UK population has an ISA? Of which most of those skew older and for the vast majority of those under 45, they hold less than £2.5k in their accounts? That's hardly going to last long and I'm willing to bet, if the under 45s have any "investments" the only one that would make them any money is their own home (which chances are they don't have one anyways). Steps 2 and 3 only really apply to those wealthy enough not to really notice/care about a cash drop
第1步，我认为是合理的，虽然不总是可能，但很合理。
步骤2和步骤3？？你知道只有40%的英国人有个人储蓄存款吗？其中大多数人的年龄还偏大，而对于绝大多数45岁以下的人来说，他们账户里的钱不足2500英镑？这种情况不会持续太久，我敢打赌，如果45岁以下的人有任何“投资”，唯一能让他们赚钱的就是他们自己的房子（但他们很可能根本就没有房子）。第2步和第3步只适用于那些足够富有，不会真正注意/关心现金掉落的人
Constanthobby
Worth mentioning UK government has no desire to support lowest incomes. Supporting working families is not a priority.
值得一提的是，英国政府无意支持最低收入人群。支持工薪家庭并不是其首要任务。
Worth mentioning UK government has no desire to support lowest incomes. Supporting working families is not a priority.
值得一提的是，英国政府无意支持最低收入人群。支持工薪家庭并不是其首要任务。
TheFuzzball
Supporting the housing market is the top priority! God forbid their investments lose value.
支持房地产市场才是当务之急！但愿他们的投资不会贬值。
Supporting the housing market is the top priority! God forbid their investments lose value.
支持房地产市场才是当务之急！但愿他们的投资不会贬值。
tilman2015
Housing is so out of touch with incomes now that everyone will lose if and when a correction occurs!
现在住房与收入是如此脱节，以至于如果出现修正，每个人都将蒙受损失！
Housing is so out of touch with incomes now that everyone will lose if and when a correction occurs!
现在住房与收入是如此脱节，以至于如果出现修正，每个人都将蒙受损失！
Gingerbeardyboy
Those without a foot on the ladder and seeing the ladder get pulled up higher and faster than ever before might disagree
那些没有站在梯子上的人，看到梯子被拉长得比以前更高更快了，可能会不同意的
Those without a foot on the ladder and seeing the ladder get pulled up higher and faster than ever before might disagree
那些没有站在梯子上的人，看到梯子被拉长得比以前更高更快了，可能会不同意的
tilman2015 1
They might, as I'm in the same category, but they'd likely be wrong.
A crash usually tightens lending criteria meaning those who already have houses for collateral and cash buyers are the major winners.
This leads to more poor quality rental properties and more people unable to get housing.
他们可能会，因为我和他们是同一类人，但他们很可能是错的。
金融危机通常会收紧贷款标准，这意味着那些已经有房子作为抵押品和现金买家的人是主要的赢家。
这导致了更多质量低劣的出租房屋，更多的人无法获得住房。
They might, as I'm in the same category, but they'd likely be wrong.
A crash usually tightens lending criteria meaning those who already have houses for collateral and cash buyers are the major winners.
This leads to more poor quality rental properties and more people unable to get housing.
他们可能会，因为我和他们是同一类人，但他们很可能是错的。
金融危机通常会收紧贷款标准，这意味着那些已经有房子作为抵押品和现金买家的人是主要的赢家。
这导致了更多质量低劣的出租房屋，更多的人无法获得住房。
Twalek89
Nope, a housing crash at this point is going cause havoc with finance availability and will impact first time buyers as much as existing owners. They won't be able to capitalize on house price drops because no one will lend them money. Same thing happened in 2008.
Only people winning will be those with cash assets or substantial share in their own place - who can afford to put down substantial deposit or buy outright.
不，在这个时候，住房市场的崩溃会对资金供应造成严重破坏，对首次购房者的影响和对现有房主的影响一样大。他们将无法利用房价下跌，因为没有人会借钱给他们。2008年也发生过同样的事情。
只有那些拥有现金资产或在自己房产中拥有大量股份的人才会从中受益——他们有能力支付大笔定金或直接购买房产。
Nope, a housing crash at this point is going cause havoc with finance availability and will impact first time buyers as much as existing owners. They won't be able to capitalize on house price drops because no one will lend them money. Same thing happened in 2008.
Only people winning will be those with cash assets or substantial share in their own place - who can afford to put down substantial deposit or buy outright.
不，在这个时候，住房市场的崩溃会对资金供应造成严重破坏，对首次购房者的影响和对现有房主的影响一样大。他们将无法利用房价下跌，因为没有人会借钱给他们。2008年也发生过同样的事情。
只有那些拥有现金资产或在自己房产中拥有大量股份的人才会从中受益——他们有能力支付大笔定金或直接购买房产。
AndyTheSane
Not really.. I might lose some untouchable housing 'wealth' in a correction, but it makes no practical difference to me.
不一定……在一次修正中，我可能会损失一些不可触碰的住房“财富”，但这对我来说没有实际的区别。
Not really.. I might lose some untouchable housing 'wealth' in a correction, but it makes no practical difference to me.
不一定……在一次修正中，我可能会损失一些不可触碰的住房“财富”，但这对我来说没有实际的区别。
HarassedGrandad
Higher NI, higher fuel costs, higher food costs: all sucks away disposable income so less discretional spending, hitting retail and leisure, so shops close, raising unemployment, lowering discretional spending.
Recession incoming in 3,2,1...
更高的基尼系数，更高的燃料成本，更高的食品成本——所有这些都吸走了可支配收入，减少了可自由支配的支出，打击零售和休闲，因此商店关闭，提高失业率，降低了可自由支配的支出。
衰退即将来临：3，2，1…
Higher NI, higher fuel costs, higher food costs: all sucks away disposable income so less discretional spending, hitting retail and leisure, so shops close, raising unemployment, lowering discretional spending.
Recession incoming in 3,2,1...
更高的基尼系数，更高的燃料成本，更高的食品成本——所有这些都吸走了可支配收入，减少了可自由支配的支出，打击零售和休闲，因此商店关闭，提高失业率，降低了可自由支配的支出。
衰退即将来临：3，2，1…
jackofives
Steepest decline or lowest cash balance? Sounds like just a catch-up of spending post covid if steepest decline.. just saying.
是最急剧的下降还是最低的现金余额？听起来就像新冠肺炎疫情后的支出急剧下降……只是说说。
Steepest decline or lowest cash balance? Sounds like just a catch-up of spending post covid if steepest decline.. just saying.
是最急剧的下降还是最低的现金余额？听起来就像新冠肺炎疫情后的支出急剧下降……只是说说。
Maven_PoliticPolitical Youtuber
Remember at the start of the pandemic and everyone was cash rich from not having to commute?
还记得大流行刚开始的时候，每个人都因为不用通勤而拥有大量现金吗？
Remember at the start of the pandemic and everyone was cash rich from not having to commute?
还记得大流行刚开始的时候，每个人都因为不用通勤而拥有大量现金吗？
MAXSuicide
Allllllllllllll the graphs for financial wellbeing off a cliff these past 12 years.
Would have said "the youngsters" are extra fucked as per, but "the youngsters" are now anyone under like 45 fucking years old at this point, lmao.
过去12年里，所所所所所有的经济幸福指数都跌入了悬崖。
本来会说“年轻人”是非常cao蛋的，但是“年轻人”现在都是指45岁以下的人了，呵呵。
Allllllllllllll the graphs for financial wellbeing off a cliff these past 12 years.
Would have said "the youngsters" are extra fucked as per, but "the youngsters" are now anyone under like 45 fucking years old at this point, lmao.
过去12年里，所所所所所有的经济幸福指数都跌入了悬崖。
本来会说“年轻人”是非常cao蛋的，但是“年轻人”现在都是指45岁以下的人了，呵呵。
bananarepubliccat
Allllllllllllll the graphs for financial wellbeing off a cliff these past 12 years.
No, they aren't. Cash has fallen because during the pandemic, cash rose to the highest level on record and people started spending again (as the article explains but deliberately elides). Financial wellbeing has gone through the roof over the past 10 years (I assume you are also one of those people that complains about inequality, high inequality is being caused by rapid increases in aggregate wealth).
“过去12年里，所所所所所有的经济幸福指数都跌入了悬崖”
不，它们没有。现金减少的原因是，在大流行期间，现金（由于封锁）先上升到了有记录以来的最高水平，然后人们又开始消费（正如文章所解释的，但故意省略了）。其实在过去的10年里，人们的财务状况在直线上升（我猜你也是那些抱怨不平等的人之一，高度的不平等是由总财富的快速增长造成的）。
Allllllllllllll the graphs for financial wellbeing off a cliff these past 12 years.
No, they aren't. Cash has fallen because during the pandemic, cash rose to the highest level on record and people started spending again (as the article explains but deliberately elides). Financial wellbeing has gone through the roof over the past 10 years (I assume you are also one of those people that complains about inequality, high inequality is being caused by rapid increases in aggregate wealth).
“过去12年里，所所所所所有的经济幸福指数都跌入了悬崖”
不，它们没有。现金减少的原因是，在大流行期间，现金（由于封锁）先上升到了有记录以来的最高水平，然后人们又开始消费（正如文章所解释的，但故意省略了）。其实在过去的10年里，人们的财务状况在直线上升（我猜你也是那些抱怨不平等的人之一，高度的不平等是由总财富的快速增长造成的）。
_Born_To_Be_Mild_
My energy bill just doubled this morning. Joy.
今早我的电费账单翻了一倍。好开心啊。
My energy bill just doubled this morning. Joy.
今早我的电费账单翻了一倍。好开心啊。
riverY90
I've gone from £70 per month to nearly £200 (yay for an electric only flat). I'd actually go without heating if I lived here alone, despite the mould and damage it would do. But my boyfriend is a wimp to the cold and is a financial moron so the heating is on. I dont know how we are going to pay it, neither of us have many hours this month and aren't earning enough to cover our all other bills.
我已经从每月70英镑涨到了将近200英镑（对一个只有电力取暖的公寓来说真是“太棒了”）。事实上，如果我一个人住在这里，我会不开暖气，尽管会有霉菌及其造成的破坏。但是我的男朋友在寒冷面前就是个懦夫，而且是个财务白痴，所以暖气一直开着。我不知道我们该怎么付得起这笔钱，这个月我们俩都没有多少时间，挣的钱也不够支付我们所有其他的账单。
I've gone from £70 per month to nearly £200 (yay for an electric only flat). I'd actually go without heating if I lived here alone, despite the mould and damage it would do. But my boyfriend is a wimp to the cold and is a financial moron so the heating is on. I dont know how we are going to pay it, neither of us have many hours this month and aren't earning enough to cover our all other bills.
我已经从每月70英镑涨到了将近200英镑（对一个只有电力取暖的公寓来说真是“太棒了”）。事实上，如果我一个人住在这里，我会不开暖气，尽管会有霉菌及其造成的破坏。但是我的男朋友在寒冷面前就是个懦夫，而且是个财务白痴，所以暖气一直开着。我不知道我们该怎么付得起这笔钱，这个月我们俩都没有多少时间，挣的钱也不够支付我们所有其他的账单。
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