商品與購物
消費者為了個人或家庭使用的目的而購買和使用商品，在購買商品的過程中起決定作用的因素有許多，如產品的價格、質量、功能、特性等。此外，消費者也受社會環境的影響，即家庭、朋友、團體對消費者行為的影響。
1.Credit Buying
賒購
賒購是以信用為基礎承諾將來某個時候付款的方式來獲得商品。這是商品經濟中較為先進的觀念。商品製造和銷售商看準消費者的經濟得以持續增長。從消費者的角度來講，賒購是一種資金的融通，更加便於他們的計劃與生活方式的安排。
(1) Credit Buying and Future Purchasing Power
賒購與將來購買力
Money for spending comes from three sources：current income1，savings，and credit.Your current income is money you receive more or less regularly.It may be an allowance or earnings from a part'time job.By saving part of your current income，you can store up purchasing power for future use.Credit works the other way around2.It enables you to transfer some of your future purchasing power to current use.
For example，if you buy shoes on credit3，the shoes change hands，but the money to pay for them does not.You plan to pay for them with money you expect to have at some future time.In other words，you use some of your future purchasing power to buy the shoes.Until payment is made，the amount owed is a debt.Anyone who owes for goods，services，or money obtained on credit is a debtor.
The spenders in our economic system，of course，are consumers，business firms，and government.As you read how each of these spenders uses credit，note how their ability to use future purchasing power can be an advantage.
注釋：
1.current income 目前收入
2.the other way round 相反(不同)的情況
3.on credit 賒購
譯文
賒購與將來的購買力
開支的錢，來源有三：現時收入、儲蓄和信用。現時收入是比較固定的收入，也可以是津貼或幹零活掙來的工資。把一部分現時收入積存起來就是在儲存購買力以備將來之用。信用的作用卻相反：它能夠使你把將來的一部分購買力轉為目前使用。
例如，你如果賒購到了鞋子，鞋子雖然轉手，但買鞋子的錢卻沒有轉手。你計劃用你將來的收入去買了鞋子。這筆欠款在未償還之前即為債務。因賒購商品或勞務欠了錢的人，或以信用取得貸款的人，叫債務人。
在我們的經濟體製中，用錢的當然是消費者、企業及政府。在了解每一開銷者如何利用信用時，要注意他們現在能夠使用將來的購買力可能會有什麼樣的優點。
(2) Credit Buying as a Financing for Personal Needs
賒購——個人需求的融資
Credit enables consumers to buy goods and services when they need them most.For example，when does a married couple most need a house？ While their children are young and living at home.It would take most couples many years to save enough money to pay cash for a house.By then their children would be grown，and the house would not be needed so much.In the meantime，they would have to continue paying rent out of current income.By using credit，a couple can buy a house and live in it while they pay for it.The money they would otherwise spend for rent could go toward the payments.