### Chinese: 消费时一定要提前规划，量力而为按时还款。
### English: Plan ahead is very important for consumption, to achieve acting according to capability and making payment as schedule.
### Errors: There is a major error at "Plan ahead". There is a major error at "for consumption". There is a major error at "to achieve acting according to capability and making".

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