### Chinese: 消费时一定要提前规划，量力而为按时还款。
### English: Be sure to plan ahead when spending, and repay on time if you can.
### Errors: There is a major error of incorrect translation is missing content from the correct translation at "and repay on time if you can". There is a major error of incorrect translation has stylistic problems at "Be sure to plan ahead when spending,".

### Improved English: Be sure to plan in advance when making consumption, live beneath your means, and make repayment as schedule.