Chinese are normally believed to be thrifty. However,economic development has had a tremendous impact upon Chinese society,uprooting the long-engraved ideas. With the emergence of the credit cards,spending tomorrow’s money becomes a reality. In this way,people are in dilemma: saving money or spending tomorrow’s money. Firstly,this paper focuses on the benefits of spending tomorrow’s money. Secondly,it shows that spending tomorrow’s money is confronted with many challenges. Finally,the paper comes up with some suggestions to solve these problems.
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