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。