<prompt> Translate the following text to EnglishKiwango cha chini cha akiba kinamaanisha kwamba, kwa jumla, kaya zinatumia zaidi ya mapato yao ya sasa kwa kuondoa akiba ya zamani, kuuza mali zilizopo, au kukopa.  <response>: A negative saving rate means that, in aggregate, households are spending more than their current income by drawing down past saving, selling existing assets, or borrowing. 