### Chinese: 消费时一定要提前规划，量力而为按时还款。
### English: When consuming, it is necessary to plan in advance, measure and pay back on time.
### Errors: There is a major error of incorrect translation is missing content from the correct translation at "measure". There is a major error of incorrect translation has stylistic problems at "it is necessary". There is a major error of incorrect translation includes information not present in the correct translation at "pay back on time".

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