As individual loan and instalment appear,more and more people are considering to use tomorrom’s money to buy a house and a car and other things in a high price which can not offer at a time.Recently a survey of student life among more than 700 students in several big cities showed that most students think saving money is a good habit ,while I would rather choose to use tomorrow’s money.

It is ture that frugality is the tradition of Chinese people,ut it is just the virtue that leave the people a regret for ever.Because people spend a life long time on the enormous amount of money for the house in dream,after finishing it,he or she may be old even dead.While using tomorrom’s money give everyone a chance to enjoy in advance.Tomorrow is not far away any more ,it can touch now.

Living in tommorow’s house ,driving tommorrow’s car is a motivition for hard working ,because it is a substantial stimulation indeed.furthermore ,payment is in a definited amount every time,in result of it,people begin to sketch for life in a well-organized plan.

All in all,using tomorrow’s money make people enjoy tomorrow’s fruit without much money,and also promote individual’s enthusiasm of working,at last,it is easy to form a good habit of planing for tomorrow,frankly speaking it is a creative and wise method .