I think there is nothing wrong with these two methods, but they are too tempting for students. Most people have experienced advance consumption, and advance consumption is generally associated with installment payments. Just like I have used the advanced consumption plus installment payment model before, I bought a computer accessory and paid it in three installments. Because the total price was too much to pay at once, I chose to buy it in installments. At that time, I still had some income of my own, which could guarantee that I could pay the full payment. There is no harm in this kind of consumption for me. I can experience the product in advance and there will be no shortage of funds. Because I am personally more cautious and will not issue a second or third installment before I have paid off one installment project. Preemptive consumption does have its advantages. For example, if I buy a Bluetooth headset in advance and pay it back in six months, I don’t have to save up for six months to buy it, but spread it evenly over six months. The monthly payment is affordable.

Advanced consumption and installment payment are consumption patterns that many young people are immersed in. Nowadays, many things you buy can be paid in installments, especially for college students. The living expenses of high school students are not much, and the living expenses only gradually increase in college. Comparison is very popular on college campuses. At this time, we all want good mobile phones, good clothes, good shoes, good watches, etc. But we couldn't afford so much money at once, but installment payment could meet our requirements, so we started using installment payment so that we could experience the product first. The problem is that many students cannot control themselves and buy more things in installments than they can afford.

So I think these consumption methods are essentially correct. The fault lies in students' poor self-control. It is not mandatory to use installments for consumption. It is more that we ourselves do not see our own situation clearly.