每到年关的时候，大家都会拿出这一年里积攒的钱财来适当地犒赏自己和家人一下，也以此激励大家在新的一年加倍努力。可是，经济危机的影响实在太厉害了，听说很多进出口贸易的从业者都入不敷出，年底几乎没有任何结余呢。They are really down and out.他们着实是够落魄的。
down and out这个短语
John is a big spender and never thinks of saving a penny. So since he lost his job last month, he has been completely down and out.
约翰花钱大手大脚从来不知道存钱，所以上个月丢了工作以后就完全落魄了。