联合王国的研究显示,2 000英镑的储蓄将债务风险削减高达60%,小笔月储蓄提高了金融复原力。 UK study shows £2,000 in savings cuts debt risk by up to 60%, with small monthly savings boosting financial resilience.

建筑协会委托布里斯托尔大学进行的一项研究发现,持有2 000英镑储蓄缓冲金的英国家庭在账单上或面临问题债务方面远远不太可能落后,与储蓄不足200英镑的家庭相比,风险降低高达60%。 A University of Bristol study commissioned by the Building Societies Association finds that UK households with a £2,000 savings buffer are significantly less likely to fall behind on bills or face problem debt, cutting risks by up to 60% compared to those with less than £200 saved. 根据大约7,000名个人十年来的数据,研究表明节省一个月的收入可以减少近75%的财政压力,而甚至200英镑或200英镑以上的储蓄也能提供有意义的保护。 Based on a decade of data from around 7,000 individuals, the research shows saving one month’s income can reduce financial stress by nearly 75%, while even £200 or more in savings offers meaningful protection. 拥有基本储蓄账户往往导致使用《国际审计准则》等其他金融产品,而使用这两个账户的家庭在财务上更可能感到舒适的五倍。 Having a basic savings account often leads to using other financial products like ISAs, with households using both being five times more likely to feel financially comfortable. 专家们强调,小型的、始终如一的储蓄——例如每月10英镑——能够建立长期的复原力和改善福利,并强调需要便于使用的工具、金融教育和政策支持,以帮助人们,特别是低收入家庭,发展可持续的储蓄习惯。 Experts stress that small, consistent savings—such as £10 a month—can build long-term resilience and improve wellbeing, highlighting the need for accessible tools, financial education, and policy support to help people, especially lower-income families, develop sustainable saving habits.