超前消費(fèi)Spending Money in Advance

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Nowadays, the consumer credit is becoming more popular and people’s consumption idea is changing. Some people tend to spend tomorrow’s money for today’s comfort. They believe that anticipating tomorrow’s money benefits the individuals as well as the society. In my point of view, I agree with this.

現(xiàn)在，消費(fèi)信貸已經(jīng)變得比以前流行了，人們的消費(fèi)觀念也改變了。有些人喜歡為了今日的方便花費(fèi)明日的錢財(cái)。他們相信提前消費(fèi)對(duì)個(gè)人和社會(huì)都有好處。在我看來(lái)，我同意這個(gè)觀點(diǎn)。

In the first place, for the individual, spending tomorrow’s money can make one enjoy the products or services that one can not afford at the present. Definitely there are times when one’s purchasing power can not meet one’s current needs of necessities, and anticipating tomorrow’s money can solve this problem. For instance, many families that can not pay cash for major items such as houses, cars, furniture and appliances are able to purchase them without cash on the installment plan.

第一，對(duì)于個(gè)人來(lái)說(shuō)，花明日之財(cái)能夠讓人享受當(dāng)前無(wú)法消費(fèi)的產(chǎn)品和服務(wù)。能肯定的是，人有時(shí)候當(dāng)前的購(gòu)買力無(wú)法滿足當(dāng)前需求的必需品，那么超前消費(fèi)就能解決這個(gè)問(wèn)題。例如，許多家庭無(wú)法用現(xiàn)金購(gòu)買大件物品，例如房子，車子，家具和電器，那么他們能夠用分期付款的形式來(lái)購(gòu)買。

In the second place, something unexpected may happened any time. For normal families, once family member are terribly ill, which needs a barrel of money. The consumer credit could play an important role in this situation, it could save lives.

第二，天有不測(cè)之風(fēng)云。對(duì)于普通家庭來(lái)說(shuō)，一旦家庭成員得了重病，需要一大筆錢，消費(fèi)信貸在這時(shí)就扮演了一個(gè)重要的角色，它能救人一命。

To addition, spending tomorrow’s money contributes to the progress of our society. Overspending, which means a satisfied large demand for the consumer products, can help shape a better production structure, drive forward our economy and invigorate the whole society eventually.

再者，花明日之財(cái)對(duì)社會(huì)的發(fā)展也有貢獻(xiàn)。過(guò)度花費(fèi)意味著滿足消費(fèi)者的需求很大，能夠塑造一個(gè)更好的生產(chǎn)結(jié)構(gòu)，推動(dòng)我們的經(jīng)濟(jì)，最終振興整個(gè)社會(huì)。

In a word, using tomorrow’s money is a better way to make the individuals as well as the society goes round.

總而言之，花明日之財(cái)是推動(dòng)個(gè)人和社會(huì)的好途徑。

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