So I would try to avoid dipping into savings right now because I think that will be to your advantage in the long run.

所以我现在会尽量避免动用储蓄， 因为我认为从长远来看这对你有利。

However, if things don’t improve, debt could become another issue. Expecting better days ahead, many households have continued to spend, by taking out loans and dipping into savings.

然而，如果情况没有改善， 债务可能成为另一个问题。许多家庭预计未来会有更好的日子， 他们通过贷款和动用储蓄继续消费。

For months, she and her husband, a school security officer, have been dipping into savings and using credit cards to keep up with higher prices on food, gas, energy, as they take care of their two children.

库克的丈夫是一名学校警卫，家里有两个孩子。几个月来，为了负担上涨的食品、汽油、能源支出，他们一直在动用储蓄和信用卡。