参考译文:

　　“The moonlight clan”always runs out of their incomeeach month and has no plan to save money. There isa small number of “the moonlight clan” in oursociety.Those who are in favor of this kind ofconsumption attitude point out that being themoonlight clan gives them more chances to enjoy thelife and live a high-quality life.This kind of consumption habit,to some extent,lead to waste.Themoonlight clan may have a luxurious and high-quality life but they may be lack of the sense ofsecurity,especially in their rainy day.

　　1.花光收入:可用run out of their income表达。

　　2.奢华、尚质量的生活:可翻译为luxurious and high-quality life。

　　3.缺乏安全感:可翻译为be lack of the sense andsecurity。

　　4.手头拮据的时候:即“穷困时期”，可翻译为rainy day。

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