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Band 5.5

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

#people #debt #behavior #action
Shopping is relaxation for many
on the contrary
, people are addicted
also
. The trend of unwanted shopping has increased badly. Due to
this
 people face financial issues and most times they buy items which are not required and unaffordable.
However
, I will be discussing the reasons and actions to be taken to control
this
 below. One of the major reasons is no proper financial planning. The majority of middle-income people used to buy unnecessary items without understanding their financial status. In most cases, the expense of an individual is more than their income.
For instance
, when some youth start earning, they try to buy a vehicle or asset without re-thinking whether it is required and affordable at that point
of
Verify preposition usage
in
show examples
 time.
In addition
, they apply for financial supports from banks to buy
such
 expensive material.
Secondly
, to show a better standard of life to society. The trend of materialistic love has increased drastically in recent years. Few people try to express gratitude or love by buying unaffordable items. They even take financial support from banks or friends like buying gadgets, vehicles and gifting.It is always better to avoid
such
 practise as they are trying to show their standard of life like affluent people. Several actions can be taken to reduce
s
Add an article
the
show examples
pending of money.
Firstly
, a person must take initiatives by thinking twice and understanding about the current situation.
Moreover
, the government must increase the tax on overpriced items
such
 that people will buy it only if it is required.
For instance
, some people have 2 to 3 vehicles in their house,
such
 people must be either taxed highly or provide a bar on
such
 purchase.
Secondly
, restrictions on credit card usage. In many houses,it is seen that people do shopping using credit cards. Since the amount is in advance people spend and repay the amount. The credit card holders must be provided with limited facilities and
also
 they must be restricted on spending by the providers,
such
 as providing limit by checking the background of expense and income of each individual and increasing and decreasing whenever required. I summarise that at most cases middle income people fall prey to debt to show society about their standard of life .
Therefore
, it is the responsibility of an individual to think before they buy .
In addition
, the government must not support
such
 people with loans.
Submitted by pooch6161 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:
  • consumerism
  • financial literacy
  • impulse buying
  • credit score
  • debt management
  • sustainable living
  • emotional spending
  • budgeting skills
  • peer pressure
  • retail therapy
  • frugality
  • credit limit
  • financial counseling
  • minimalistic lifestyle
What to do next:
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