Test analysis: when answering this question, we should pay attention to distinguish between living within our means and moderate consumption; Avoid blind obedience, rational consumption and frugal consumption concepts. Living within one's means, moderate consumption emphasizes consumption within one's own economic affordability, and A does not meet the meaning of the question; Rational consumption and frugality emphasize the need to avoid blindly following the trend and avoiding emotional consumption, and B does not meet the meaning of the question; C has nothing to do with the meaning of the question; The topic reflects the consumption concept of thrift and hard work, and the answer D is correct.