### Chinese: 消费时一定要提前规划，量力而为按时还款。
### English: When <v>consuming</v>, it is necessary to plan in advance, measure and pay back on time.
### Errors: There is a minor fluency/grammar error at "consuming" within <v></v>.

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