(1) Income is the premise and foundation of consumption, so we should adhere to moderate consumption. "The annual income is 20 pounds, and the annual expenditure is 19 pounds 19 shillings and 6p", that is, moderate consumption, according to one's ability, leads to "happiness". On the contrary, "spending twenty pounds and sixpence a year" means spending in advance, so the result is "pain".

(2) Happiness is directly related to consumption structure. If the consumption structure is reasonable, consumption will produce positive benefits and the degree of "happiness" will be high. On the contrary, the degree of "happiness" is low. Therefore, under the same consumption conditions, people will get different degrees of satisfaction and enjoyment.