Some people get into debt by buying things they don’t need and can’t afford. What are the reasons for this behavior? What action can be taken to prevent people from having this problem?”

It is true that some individuals are in debt because they buy
unneedful
necessary for relief or supply
needful
things that they
can not
can not
cannot
afford. The main cause of
this
problem is that banks encourage people to take loans over their spending limit and the most viable solution is that governments should implement laws to restrict people from taking loans. The principle reason why few individuals are in debt is that banks entice people into taking credit cards and loans by offering them attractive interest rates. Major banks and lending corporations constantly make cold calls to prospective clients and offer them loans and credit limits without checking if these customers are able to pay back their borrowed money.
Consequently
, these people sign up for these facilities to buy various luxurious items over their financial limit and end up in bankruptcy.
For example
, in 2007, the economic crisis in the United States led to a lot of people applying for bankruptcy because they were unable to pay back their bank loans due to their overspending. To tackle
this
predicament, governments should offer some protection to these people by passing laws to deter people from taking loans. By implementing laws that allow loans to be granted based on salaries, people would only be allowed to apply for loans that they could repay back.
As a result
, these individuals will more careful while spending their money.
For instance
, similar initiatives were carried out in Japan where people were allowed to apply for loans based on the percentage of their
salaries
Suggestion
salary
, and the bankruptcy rate has declined in the country since
then
. In conclusion, some individuals are in debt for buying
unaffordable
that you have the financial means for
affordable
things because banks offer them loans and other financial assistance, which they
can not
can not
cannot
pay back, and governments should pass laws to deter people from taking loans by restricting their credit limit.
Submitted by sdd on

Include an introduction and conclusion

A conclusion is essential for IELTS writing task 2. It is more important than most people realise. You will be penalised for missing a conclusion in your IELTS essay.

The easiest paragraph to write in an essay is the conclusion paragraph. This is because the paragraph mostly contains information that has already been presented in the essay – it is just the repetition of some information written in the introduction paragraph and supporting paragraphs.

The conclusion paragraph only has 3 sentences:

  • Summary
  • Restatement of thesis
  • Prediction or recommendation

Example:

To summarize, a robotic teacher does not have the necessary disciple to properly give instructions to students and actually works to retard the ability of a student to comprehend new lessons. Therefore, it is clear that the idea of running a classroom completely by a machine cannot be supported. After thorough analysis on this subject, it is predicted that the adverse effects of the debate over technology-driven teaching will always be greater than the positive effects, and because of this, classroom teachers will never be substituted for technology.

Start your conclusion with a linking phrase. Here are some examples:

  • In conclusion
  • To conclude
  • To summarize
  • Finally
  • In a nutshell
  • In general

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