### 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 <v>schedule</v>.
### Errors: There is a minor fluency/grammar error at "schedule" within <v></v>.

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