负债消费误区 现在,“花明天的钱买今天的享受”似乎成了一些家庭,特别是一些工薪家庭的消费时尚。考虑到物价因素,有些家庭不惜大借外债或用分期付款的方式,来实现超前消费。一些实际收入并不高的工薪家庭,不根据自身的经济实力,盲目地超前消费,却不考虑以后如何还钱,或者对自己的偿还能力估计过高,结果只能是拿明天的钱买来明天的烦恼。 名牌消费误区 不依据自 Misunderstanding of Liabilities Now, “Spending Tomorrow’s Money for Today’s Enjoyment” seems to have become a trendsetter for some families, especially for some working-class families. Taking into account the price factor, some families at big borrowing foreign loans or by installments approach to achieve advance consumption. Some working-class families whose real incomes are not very high are not blindly ahead of their spending according to their own economic strength but do not consider how to pay back their money or over-estimate their ability to repay themselves. The result is that they can only buy tomorrow’s money Tomorrow’s troubles. Brand misunderstanding is not based on self-consumption