An individual might experience a period of dissaving for a number of reasons. Events within the control of the dissaver may include making too many big ticket purchases in a short time frame, taking an expensive vacation or generally living outside of his or her means. Events outside of the dissaver's control, such as unemployment, may require the individual to tap into reserves even if the individual greatly reduces consumption. In the case of unemployment, disposable income from a salary no longer exists, though obligations may still require payment (rent, loan payments and so on).
• About 40% of net personal income in these three regions was financed out of net dis-saving.
Dissaving results when consumption is greater than income and is essentially the opposite of saving.
2) увеличение задолженности (напр. по потребительскому кредиту)
превышение расходов над доходами; «проедание» капитала; уменьшение сбережений
перевищення видатків над прибутками
витрачання нагромаджень