over drawn

简明释义

透支

英英释义

例句

1.He was shocked to find his credit card over drawn after a night out.

他在外出一夜后，惊讶地发现他的信用卡已透支。

2.She had to transfer money from her savings because her checking account was over drawn.

因为她的支票账户已透支，她不得不从储蓄账户转钱过来。

3.After a week of shopping, I realized my bank account was over drawn.

经过一周的购物，我意识到我的银行账户已透支。

4.If you continue to spend like this, your budget will be over drawn by the end of the month.

如果你继续这样花钱，到月底你的预算将会透支。

5.The bank charged him a fee for having an over drawn account.

银行因他的账户透支而收取了费用。

作文

In today's fast-paced world, many people find themselves in situations where their finances are stretched thin. One common issue that arises is when individuals have an account that is over drawn, which means they have spent more money than they actually have available in their bank account. This situation can lead to a variety of financial problems and stress, making it essential to understand how to manage one’s finances effectively.When a bank account is over drawn, the account holder may incur fees from the bank for insufficient funds. These fees can add up quickly and create a cycle of debt that is hard to escape. For example, if someone tries to make a purchase that exceeds their balance, the bank may allow the transaction to go through but will charge an overdraft fee. This can lead to a situation where the individual is not only responsible for repaying the amount spent but also for the additional fees incurred due to being over drawn.To avoid being over drawn, it is crucial to keep track of one’s spending and maintain a budget. Many people find it helpful to use apps or spreadsheets to monitor their expenses and income. By doing so, they can see where their money is going and make adjustments as necessary. Additionally, setting aside a small emergency fund can provide a buffer against unexpected expenses that might otherwise lead to an over drawn account.Another strategy to prevent being over drawn is to opt for overdraft protection services offered by banks. This service can help cover transactions that exceed the account balance, thereby avoiding hefty fees. However, it is important to use this service wisely, as relying on it too heavily can lead to a false sense of security and ultimately contribute to financial instability.Moreover, understanding the terms of your bank account is vital. Some accounts come with higher fees or stricter policies regarding over drawn balances. By choosing an account that aligns with one’s financial habits and needs, individuals can minimize the risks associated with being over drawn. It is also beneficial to communicate with the bank if you find yourself in this situation. Sometimes, banks may be willing to waive fees for first-time occurrences or offer payment plans to help customers regain control of their finances.In conclusion, being over drawn can create significant financial challenges, but with careful planning and management, individuals can avoid this predicament. By budgeting, monitoring spending, and utilizing available banking services responsibly, one can maintain a healthy financial status and reduce the likelihood of encountering an over drawn account. Financial literacy is key in navigating these challenges, allowing individuals to make informed decisions about their money and ultimately achieve financial stability.

在当今快节奏的世界中，许多人发现自己处于财务紧张的境地。一个常见的问题是，当个人的账户出现透支时，这意味着他们花费的金额超过了他们在银行账户中实际可用的金额。这种情况可能导致各种财务问题和压力，因此有效管理个人财务至关重要。当银行账户透支时，账户持有人可能会因资金不足而产生银行费用。这些费用会迅速累积，造成难以摆脱的债务循环。例如，如果某人试图进行一笔超出其余额的购买，银行可能会允许该交易进行，但会收取透支费用。这可能导致个人不仅需要偿还所花费的金额，还需要承担因透支而产生的额外费用。为了避免透支，跟踪自己的支出并保持预算至关重要。许多人发现使用应用程序或电子表格来监控他们的开支和收入非常有帮助。通过这样做，他们可以看到钱的去向，并根据需要进行调整。此外，预留一小部分应急基金可以为意外开支提供缓冲，避免导致账户出现透支。另一个防止透支的策略是选择银行提供的透支保护服务。该服务可以帮助覆盖超出账户余额的交易，从而避免高额费用。然而，明智地使用此服务至关重要，因为过度依赖它可能会导致虚假的安全感，并最终导致财务不稳定。此外，了解银行账户的条款至关重要。有些账户的费用较高或对透支余额的政策更严格。通过选择与个人财务习惯和需求相符的账户，个人可以将与透支相关的风险降到最低。如果您发现自己处于这种情况，与银行沟通也很有益。有时，银行可能愿意免除首次出现的费用或提供付款计划，以帮助客户重新掌控他们的财务。总之，透支可能会带来重大财务挑战，但通过仔细的规划和管理，个人可以避免这种困境。通过制定预算、监控支出和负责任地利用可用的银行服务，人们可以保持健康的财务状况，减少遇到透支账户的可能性。金融素养是在应对这些挑战时的关键，使个人能够就自己的资金做出明智的决策，并最终实现财务稳定。