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Nowadays, people can pay in many ways. The original way to pay is to give the cash, then as the development of the Internet, people can pay by the Internet. Credit card is favored by most people, because it can pay in advance. While some may be stuck by the incurring debts and life becomes hard.

如今，人們可以有多種付款的方式。最初的付款方式是給現金，然后隨著網絡的發展，人們可以通過網絡付款。信用卡收到大部分的喜愛，因為它能提前支付。然而一些人可能被受困于負債，生活變得困難。

The life of incurring debts is really not comfortable, take my friend for example. My friend liked to go shopping very much, she bought new clothes all the time. But her little income couldn’t support her to buy so many clothes, so she went to the bank and made a credit card, which meant that she had some money in advance. My friend spent the money in a month, she felt so satisfied, but the thing was that the bank asked her to return part of the money every month. It sounded so terrible, she was in debt and struggled with her life in a year.

負債的生活真的不好過，就拿我朋友來說。我的朋友很喜歡逛街，她總是在買衣服。但是她的微薄收入無法支持她買那么多的衣服，因此她去銀行辦了張信用卡，這意味著她有一筆錢可以提前花。我的朋友在一個月內就花光了錢，她感到了滿足，但是銀行要求她每個月都要還一部分的錢。這聽起來多么可怕啊，她負債了，整整一年都在掙扎著過日子。

Seeing my friend’s experience of paying debts, I dare not to pay in advance, at least so far, I don’t have the ability to pay back. Even I don’t have much income, I still can live the good life.

看到朋友的負債經歷，我不敢提前消費，至少目前為止，我沒有能力去償還。雖然我沒有很高的收入，但是我也能過得很好。