01. I'm over my credit limit.

我的信用卡透支了。

02. Don't lavish on fashion too much

不要在潮流时尚上大手大脚地挥霍了。

03. You should keep a rational spending habit.

你应当养成一个理性的消费习惯。

04. I usually use my credit card when I don't have enough cash.

当我现金不够时，我通常会刷信用卡。

05. I'm in debt.

我欠债了。

06. My current salary can not make ends meet.

我现在的薪水根本不够花。

07. I have a tight pocket.

我手头有点紧。

08. You'd better change your attitude towards money.

你最好改变一下对金钱的态度。

09. I have to pay off my credit card bill at the end of each month.

我不得不在每个月末偿还信用卡欠款。

10. What is the annual interest rate?

年利息率是多少?

11. I have got an interest-free loan for 6 months.

我获得了一份六个月的无息贷款。

12. My credit limit has been raised.

我的信用额度提高了。

13. I am overdrawn by 1 500 yuan.

我透支了1 500元。

14. Owning a heavily overdrawn account is not a good sign.

拥有一个巨额透支的账户可不是一个好迹象。

15. You should change your over-spending behavior.

你应该改改你那过度消费的行为。

16. He has built up debt from over-spending.

由于过度消费，他已经负债累累。

17. My credit card debt is twice my income.

我信用卡上的负债已经高达我收入的二倍了。

18. I'm getting into a serious financial trouble.

我陷入了严重的财务危机。

19. He focuses on spending today rather than making a budget for tomorrow.

他只顾眼前的消费，从不为将来做预算。

20. They are embracing a "buy now, pay later" lifestyle.

他们崇尚一种"消费在前，还款在后"的生活方式。