月光族

请将下面这段话翻译成英文：

月光族(the
moonlight clan)是指那些不储蓄、将每月赚的钱都用光的人。月光族主要是年轻的一代，他们可能是收入微薄，仅够维持生活；或是生活压力不大，不需要储蓄。还有相当多的月光族追求时尚和高质量生活，把花钱当作是赚钱的动力。大多数月光族则缺乏正确的理财观念，不会合理地控制自己的开支。虽然享受生活很重要，但是养成良好的节约习惯也十分必要。月光族应该尽量避免冲动购物，学会做预算，树立理性的消费观。

参考翻译:

The moonlight clan refers to those who tend to use up their earnings
every month without any savings. Members of the moonlight clan are mostly young
people, and they can barely make ends meet with a slim income or they don't
need saving thanks to less stressful life. There are a good many members of the
moonlight clan who pursue fashion and a high-quality life, regarding spending
as the motivation to make money. Most of them are not capable of making proper
control of their own expenses for lack of the right concept of money
management. Although enjoying life is important, it is also necessary to
develop a good habit of saving money. Members of the moonlight clan should try
to avoid impulse purchase, learn to make budgets, and build a rational
consumption concept.

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