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

Some individuals purchase expensive products that are not necessary, which leads them into financial troubles. The reasons for
this
are excessive advertisement
by
Suggestion
from
the companies and people maintaining their social status.
This
can be avoided with the aid of the government as well as having a precise budget plan. To commence with, people choose to spend their money due to two main causes.
Firstly
, the organizations are advertising about their items in a creative way.
This
influences them to
checkout
Suggestion
check out
their
things
Accept comma addition
things, although
although
they had no intention of purchasing.
For instance
, the makeup products of a prominent company- Maybelline, advertises attractively, which makes women to buy without a
second
thought.
Secondly
, most of the citizens would like to behave as an opulent person.
As a result
, they acquire international garments to be seen as socially acceptable.
For example
, many teenagers are interested in owning foreign branded goods like Zara, to
standout
Suggestion
stand out
from their friends. In short, people are attracted
to own
Accept comma addition
to, own
the products that are advertised online and wear fancy clothes to portray their richness and get into debt.
However
,
this
can be prevented by
taking up few
Suggestion
taking up a few
measures. The government should conduct workshops to educate people about finances, which would be conducive
in
Suggestion
to
living a comfortable life without any loans.
Furthermore
, they can have a clear plan about how to spend their expenses in order to save money and buy things they need.
For example
, if the adults spend less amount on their credit cards, they do not have to worry about paying huge interests. If people do not take any action towards
this
behaviour,
then
it increases stress and leads to depression of not being able to pay back the money they spent. In conclusion,
although
individuals acquire items that are unwanted they can control their spending by following an allowance plan.
Submitted by srivijaya.viji on

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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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Topic Vocabulary:
  • consumer culture
  • impulsive buying
  • financial literacy
  • accumulating debt
  • high-interest rates
  • emotional spending
  • financial education
  • budgeting
  • materialism
  • personal well-being
  • mandatory financial counseling
  • tighter lending criteria
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