Nowadays, a large number of people choose to borrow money online or from credit cards in order to buy what they can’t afford at present. Obviously, it’s not a correct way to cover one’s expense because it will cause a serials of problems. It is of great importance that we live within our means. On the one hand, consuming in advance will make us spend more and more, because people subconsciously think that they will save some money in next month which is impossible. There is no doubt that this will increase people's financial burden. And if one can’t return the debt in time, he has to pay a large amount of interest. On the other hand, living beyond our means also puts a lot of stress on our lives because we can't plan our lives well. What's worse, some people choose to commit suicide under the pressure. So it's important to live within your means, which is not only good for planning your life, but also good for your mental health.