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2. 超前消费Spending Money in Advance
利大于弊：
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.
现在，消费信贷已经变得比以前流行了，人们的消费观念也改变了。有些人喜欢为了今日的方便花费明日的钱财。他们相信提前消费对个人和社会都有好处。在我看来，我同意这个观点。
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，对于个人来说，花明日之财能够让人享受当前无法消费的产品和服务。能肯定的是，人有时候当前的购买力无法满足当前需求的必需品，那么超前消费就能解决这个问题。例如，许多家庭无法用现金购买大件物品，例如房子，车子，家具和电器，那么他们能够用分期付款的形式来购买。
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，天有不测之风云。对于普通家庭来说，一旦家庭成员得了重病，需要一大笔钱，消费信贷在这时就扮演了一个重要的角色，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，花明日之财对社会的发展也有贡献。过度花费意味着满足消费者的需求很大，能够塑造一个更好的生产结构，推动我们的经济，最终振兴整个社会。
In a word, using tomorrow’s money is a better way to make the individuals as well as the society goes round.
总而言之，花明日之财是推动个人和社会的好途径。
弊大于利：
Some people are in favor of the idea of over-consumption. They point out the fact that China's rapid economic development has materially enriched the lives of ordinary Chinese people, and at the same time increased our demands as consumers. They also argue that the rising consumption helps drive economic growth.
有些人赞成过度消费这个主意。他们指出，中国经济的快速发展丰富了普通中国人的生活，同时也增加了我们作为消费者的需求。他们还认为，消费的增长有助于推动经济增长。
However, other people stand on a different ground. They consider it harmful to consume more than what their family can afford. They firmly point out that the dogged pursuit for more accounts for our debts, anxiety, waste and overload. An example can back up this arguement: The American financial crisis caused by over consumption made the people of the world worse off.
然而，其他人站在不同的立场上。他们认为消费超过他们的家庭能买得起的东西是有害的。他们坚定地指出，固执地追求我们的债务，更多的帐户焦虑，浪费和过载。一个例子可以支持这一观点：美国金融危机引起的过度消费让全世界的人们更糟。
There is some truth in both arguements. But I think the disadvantages of over-consumption outweigh the advantages. In addititon to the above-mentioned negative effects, the surging consuming demand threatens to exhaust our resources and spoil our environment.
双方的观点都有一定道理。但我认为过度消费的缺点大于优点。另外上述负面影响，高涨的消费需求会耗尽我们的资源，破坏我们的环境。
To conclude, our government is advocating ideas of "conservation-minded society" and sustainable development. Whether due to sense of guilt about waste, or a simple desire to save money, we need to promote sustainable consumption.
最后，我们的政府倡导“节约型社会”和“可持续发展”的理念。不管是关于浪费的愧疚感，或为了省钱，我们需要促进可持续消费。
