【Abstract】In contemporary life， some people like to buy things beyond their ability and enjoy material fun in advance， but they have to make continuous repayments later， but some people can control their own consumption concepts， and some people Having to bear heavy loan pressure due to excessive consumption may also sell privacy. Therefore， we must protect ourselves， and we must also control our views on consumption， not controlled by material， so as to master life and enjoy life.

【Key words】Advanced consumption; loans; consumption outlook

【作者簡(jiǎn)介】羅曉捷，湖北大學(xué)知行學(xué)院。

In todays online age， more and more consumers are pre-consumers. Faced with inspiration from home loans and car loans， some people are beginning to discover that business opportunities have created many small loans. Although it has brought convenience to people， more and more people have become advanced consumers in this situation， which is especially common among college students. Advance consumption is a double-edged sword. Some people have a good control and enjoy life， and some people pay for it.

For advanced consumption， it is also based on the development of life at the moment. However， some experts said that this type of consumption is a kind of advanced consumption， showing off consumption and pathological consumption， facing these three types， or more or less people have participated. Pre-consumption refers to pre-consumption for large-scale items or consumption that is urgently needed and can be compensated for later， such as： house purchase， car purchase， and loans that some poor students cannot pay for tuition. However， in the face of some material needs and satisfaction， women will have a lot of over-consumption when they have a need for cosmetics， clothes， shoes， bags， and other materials. For men， most people have an over-consumption attitude in pursuit of shoes and electronics. However， these two types of consumption belong to consumption that is not satisfied with the status quo， and from the aspect of ability， it is conspicuous consumption. However， after the two forms of performance have become extreme， they will become morbid consumption， and the desire to buy has far exceeded the support of normal life.

For some people， to be able to control their own desires， purchase large items requires early consumption， loans， and then they can also repay them， so this situation is beneficial. After all， most people cannot pay for large items at one time. Money. But for some people， under the pressure of huge comparison and desire， they have to use the loan again and again. For college students， there are more and more crimes such as campus loans and naked loans. Many young people around are also like this. There is only one yuan in their pockets， and they have to spend ten yuan. The rest of the time can only be paid back and eaten soil （indicating that there is no money to meet the needs of eating after spending money） for the sake of appearance. Looks pretty good on vanity. For example， if you are an ordinary student， you only have 1，000 living expenses， but you have to buy two or three thousand shoes. You will pay the loan in installments every month， but you are worried about repayment because you are an ordinary student. Or an ordinary office worker， who has to support the scene to invite dinner， regardless of budget， always eats a full meal and spends his salary. And so on， events are still happening.

For people， pre-consumption is both a temptation and a trap. When they cannot control the temptation， they can easily fall into the trap and get out of it. Control the concept of consumption， do not over-consumption， so as to protect yourself， to master life and enjoy life.