debt; indebtedness; arrears; outstanding amount

简明释义

欠债

英英释义

例句

1.The outstanding amount 未结金额 on your account is due by the end of the month.

您账户上的未结金额需在本月底前支付。

2.He was unable to pay off his debt 债务 before the deadline.

他在截止日期之前无法偿还他的债务。

3.After years of hard work, he finally cleared his debt 债务.

经过多年的努力，他终于清偿了他的债务。

4.The company's indebtedness 负债 has increased significantly this year.

该公司的负债在今年大幅增加。

5.She fell behind on her payments and now has arrears 欠款 totaling over $1,000.

她的付款落后，现在有超过1000美元的欠款。

作文

Understanding financial terms is essential for managing personal finances effectively. Among these terms, debt (债务), indebtedness (负债状态), arrears (拖欠款项), and outstanding amount (未偿还金额) are crucial for anyone looking to maintain a healthy financial status. Each of these terms represents a different aspect of owing money, which can affect one’s financial health and stability.Firstly, debt refers to the amount of money that is borrowed and must be repaid. This can include loans from banks, credit card balances, or any other form of borrowing. It is important to understand that not all debt is bad; for instance, taking out a mortgage can help one purchase a home, which is generally considered a good investment. However, excessive debt can lead to financial strain, making it difficult to meet monthly expenses.Next, indebtedness indicates a state of being in debt. It encompasses all forms of debt an individual or organization may have. High levels of indebtedness can be alarming, as they suggest that a person or company is heavily reliant on borrowed funds. This reliance can limit one’s financial flexibility and increase stress, especially if income is unstable. To manage indebtedness, individuals should create budgets and prioritize paying off high-interest debts first.Another critical term is arrears, which refers specifically to money that is overdue or unpaid. When payments are not made on time, they fall into arrears. This situation can arise with various bills, such as rent, utilities, or loan payments. Being in arrears can have serious consequences, including late fees, penalties, or even legal action in severe cases. Therefore, it is vital to keep track of payment due dates and ensure timely payments to avoid falling into arrears.Finally, the term outstanding amount refers to the total sum of money that is still owed and has not yet been paid. This can relate to a specific bill, loan, or overall financial obligation. Understanding the outstanding amount is crucial for effective financial planning, as it helps individuals know how much they need to allocate monthly towards debt repayment. Keeping this amount in check can prevent the accumulation of additional debt and help maintain a balanced budget.In conclusion, mastering the concepts of debt, indebtedness, arrears, and outstanding amount is vital for anyone looking to navigate their financial journey successfully. By understanding these terms, individuals can make informed decisions about borrowing, spending, and saving. Ultimately, maintaining control over one’s finances requires awareness of these key concepts and proactive management to ensure a stable and secure financial future.

理解财务术语对于有效管理个人财务至关重要。在这些术语中，debt（债务）、indebtedness（负债状态）、arrears（拖欠款项）和outstanding amount（未偿还金额）是任何希望保持健康财务状况的人都必须掌握的。每一个术语都代表了欠钱的不同方面，这可能会影响一个人的财务健康和稳定性。首先，debt指的是借款的金额，必须偿还。这可以包括来自银行的贷款、信用卡余额或任何其他形式的借款。重要的是要理解，并非所有的debt都是坏的；例如，申请抵押贷款可以帮助人们购买房屋，这通常被视为良好的投资。然而，过多的debt可能会导致财务压力，使得满足每月支出变得困难。接下来，indebtedness表示处于负债状态。它涵盖了个人或组织可能拥有的所有形式的debt。高水平的indebtedness可能令人担忧，因为这表明一个人或公司在很大程度上依赖借入资金。这种依赖会限制一个人的财务灵活性并增加压力，尤其是在收入不稳定时。为了管理indebtedness，个人应制定预算，优先偿还高利息债务。另一个关键术语是arrears，它专门指的是逾期或未支付的款项。当付款未按时进行时，它们就会进入arrears。这种情况可能发生在各种账单上，例如租金、水电费或贷款付款。处于arrears可能会带来严重后果，包括滞纳金、罚款，甚至在严重情况下的法律行动。因此，跟踪付款到期日并确保及时付款以避免陷入arrears是至关重要的。最后，outstanding amount指的是仍然欠款且尚未支付的总金额。这可以与特定账单、贷款或整体财务义务相关。了解outstanding amount对有效的财务规划至关重要，因为它可以帮助个人知道每月需要分配多少用于偿还债务。保持这一金额的控制可以防止额外的debt累积，并有助于维持平衡的预算。总之，掌握debt、indebtedness、arrears和outstanding amount的概念对于任何希望成功驾驭财务旅程的人来说都是至关重要的。通过理解这些术语，个人可以对借贷、消费和储蓄做出明智的决策。最终，保持对个人财务的控制需要对这些关键概念的认识和主动管理，以确保稳定和安全的财务未来。