IELTS Writing Samples by topic

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The cost of living has increased enourmously in the last few years, hence have been becoming more and more difficult for the individual to pay all the bills. Some people do not have another way to get some money to run u
The trend of desuming money has been normalised. A lot of individuals having credit card, utilize it in order to become the owner of a vehicle and a house. Depending on the ability of managing budget, these ideas can be

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Myriads of people are using credit cards or lending money to give huge personal debts that they perhaps not able to repay.It ought to be made more ardous for people to borrow huge sum of money.
At present, many people are conflicted about using credit cards over cash. It is believed that card payments are a recent technology in the financial world, whereas individuals prefer paper money. In my view, I disagree
The argument on use of physical money over plastic cards has been happening for certain period. because, credit card is new mode of payment considering traditional payment methods. some individuals are under impression t
It is quite common nowadays that the majority of the population is taking loans . Some argue that it is dangerous because of getting into more debt whereas others argue that , if properly managed it is beneficial . In my
We live in an age when many of us are dependent on credit cards or other loans to manage our day-to-day expenses. Most of the time people would not be able to pay them on time and they indulge in more and more arrears. M

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We live in an age when many of us are dependent on credits cards or other loans to manage our day to day expenses. Most of the time people would not be able to pay them on time and they indulge in more and more debts. Mo
In today’s society, many young adults are in favor of using credit cards which result in huge amounts of debt from the banks to the point they cannot repay the debt. Many people believe lending large amounts of money sho
Many people dedicate significant effort to their jobs, and the primary reason often cited is financial gain. While earning money is undoubtedly a crucial factor, it's not the sole motivator for hard work. This essay will
The following essay will go into detail about: the risks, rewards, benefits and my own personal opinion on taking loans and credit cards and will be answering the question about the difficulty in taking a loan.
Lots of people nowadays consume loans or credit cards to get a tremendous quantity of personal debts that make it hard to repay, and for this ,reason it has to be more intricate for people to lend huge sums of money.I s
Recent global events have resulted in the price increase of several basic commodities making a ripple effect in many aspects of the economy making “living within your means” quite difficult for the majority of society. T
It is true that many people suffer from financial problems due to being unable to clear a huge amount of loans in recent years. Some people think that banks should tighten the process for large loan approvals. Personall
It is true that many people have financial hardships as a result of their inability to pay off a sizable amount of debt in the previous year. Some people think that banks should tighten the guidelines for large loan appr
It is true that many people suffer in financial problems due to unable to clear a huge amount of loans in recent year. Some people believe that bank should tighten the approval loan process of huge loan. Personally, I di
Personal debt is one of the problems that has widely stirred up a controversy. The accumulating debt could lead the person to be bankrupt eventually due to a lack of payback ability. I strongly agree that some complicate
The prompt illustrates the debate on cash versus a credit card. Moreover, in the history of the finance sector, credit card concept is new come whereas paper money is still going more demanding by individuals. From my pe
People prefer to pay approximately all their payments with the banking instruments like credit cards and loans. Because, there are numerous benefits such as the ability to long-term debt payments, diminished carrying of
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