大学英语六级口语考试分三个部分，第一部分是自我介绍和问答，第二部分是陈述和讨论，第三部分是问答。本场口语考试陈述和讨论的主题为“The importance of living within one's means”。 贷款、信用卡、花呗在人们的生活中越来越普遍，有些人却因为贷款把自己的生活搞得一塌糊涂。规划好自己的个人财务是一个人成长中的重要一步。以下展示一篇以“ The importance of living within one's means”为题的范文，供考生参考。
Nowadays, a large number of people choose to borrow money online or from credit cards in order to buy what they can’t afford at present. Obviously, it’s not a correct way to cover one’s expense because it will cause a serials of problems. It is of great importance that we live within our means. On the one hand, consuming in advance will make us spend more and more, because people subconsciously think that they will save some money in next month which is impossible. There is no doubt that this will increase people's financial burden. And if one can’t return the debt in time, he has to pay a large amount of interest. On the other hand, living beyond our means also puts a lot of stress on our lives because we can't plan our lives well. What's worse, some people choose to commit suicide under the pressure. So it's important to live within your means, which is not only good for planning your life, but also good for your mental health.