1/3英國人終生無法償清債務

Nine out of 10 people have run up unsecured debt and many fear they will never be able to pay back what they owe, a survey has claimed.

Around 89pc of people aged between 18 and 35 said they owed money on a credit card, loan or overdraft, the research showed.

A third of people admitted they did not think they would ever be debt-free, 54pc of whom said they would always need to borrow money in order to fund the lifestyle they wanted.

One in five of these people also claimed they were not worried about the possibility of their debts being passed on to their next of kin if they died before they were repaid.

Just over half who owed money said they did not feel in control of their debt, with 8pc admitting they had needed to ask for help with repayments from a friend or family member. Eight out of 10 people also told the research for discount website that they thought it was too easy to borrow money through their bank or on credit cards.

Farhad Farhadi, 's personal finance expert, said: "The majority of British adults owe money in some way, shape or form, but to see that almost a third think they'll never be free from debt is quite alarming.

"When borrowing money from any source, how you are going to repay it should always be in the back of your mind.

"A lot of people don't really think about the consequences of borrowing money and it can be easy to get complacent, but keeping it all under control should be a priority from the off. Only borrow what you really think you can afford to pay back."

一項調查稱，十分之九的英國人揹負無抵押債務，許多人擔心會永遠無法償清自己的債務。

研究顯示，年齡在18歲到35歲之間的英國人約有89%稱自己透支信用卡、揹負貸款或是透支銀行卡。

三分之一的人承認他們認爲自己永遠不可能過上無債一身輕的日子，54%的人稱，爲了維持他們想要的生活方式，他們總是需要借錢。

此外，這一年齡段的英國人中有五分之一稱，假如他們無法在死前償清債務，他們不擔心自己的債務會轉嫁到自己的近親身上。

稍過半數的揹債人說他們覺得無法控制自己的債務，8%的人承認他們需要請朋友或家人幫忙償還債務。十分之八的人還告訴研究者說，他們認爲向銀行借錢或是透支信用卡太容易了。這一研究是折扣網站委託開展的。

網站的個人理財專家法哈德•法哈蒂說：“大部分英國成人都以某種方式或形式欠債，不過竟有近三分之一的人認爲自己永遠無法償清債務，這種局面相當令人擔憂。”

“不管是從哪裏借的錢，你應該始終惦記着如何把錢還上。

“很多人並沒有認真考慮過借錢的後果，而且很容易就會變得滿足於現狀，但是從一開始就應該首先考慮是否有能力償還，只借你認爲自己確實償還得起的數目。”

Vocabulary:

run up: 積欠

unsecured debt: debt that does not identify specific assets that the debtholder is entitled to in case of default（無抵押債務）

overdraft:adeficit in a bank account caused by drawing more money than the account holds（透支）

complacent: too satisfied with a situation, so that you do not feel that any change is necessary（滿足於現狀的）

from the off:a British phrase meaning, "from the start" or "since the beginning"（從頭開始）