存钱与消费应该保持一个平衡

Different people have different opinions to money.Some people prefer to deposit money. Usually, they divide their salary into two parts. A part is for daily expenses and another is for depositing. Not only that, they may try to reduce costs of various aspects. 
不同的人的金钱观不一样。有些人喜欢存钱。通常，他们都会把他们的工资分成两部分。一部分用于日常开支，另一个是用于 储存。不仅如此，他们可能还会降低各方面的成本。
Obviously, some people like saving money, while there are others are inclined to spend their future money. They may spend too much on foods, clothes and entertainment; therefore, their expenses often are over their wages. This act brings about risk of getting into debt.
很显然，有些人喜欢存钱，而有些人则喜欢提前消费。他们可能会花太多钱在食物，衣服和娱乐上；因此，他们的消费总是高于他们的工资。这种行为可能会带来负债的危机。
To my way of thinking, people should keep a balance between depositing and advance spending. 
我认为人们应该在存钱和提前消费之间保持一个平衡。