语音讲解：
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　　【图片背景】

　　Excessive consumption is becoming more and more popular among the youngsters. They buy a house or a car, even a refrigerator on instalments. But the experts warn that we should be careful with our salary. When the loan is more than half of your income, you will be on the edge of bankruptcy.

　　【实用词汇】

　　Excessive consumption 超前消费

　　on instalments 分期付款

　　be careful with 小心处理

　　on the edge of 处于边缘