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

#people #debt #don’t #can’t #behaviour #action
Personal
debts
 tend to arise and build up
as a result
 of purchasing unnecessary and unaffordable items. In my view,
this
 problem is attributable to two factors and can be avoided if two measures are taken.
Firstly
,
such
 merchandise as luxuries are associated with individual socioeconomic status and can easily result in
debts
. If those with poor financial means choose to buy sports cars or designer purses to be socially recognizable, they will soon become debtors. These status symbols are actually not essential for their daily needs but only appeal to their vanity.
Besides
, the convenience created by
credit
cards
 is
also
 one culprit of
debts
. As
credit
cards
 are easy to obtain and allow consumers to
first
 possess whatever they desire before they have to pay, they can plunge them into heavy
debts
 if they do not have enough savings. Given the above factors, two preventive measures are probably effective. To start with, consumers should
to
Change the verb form
apply
show examples
decide on what they really need to buy and become conscious of their own finances. It is important for them to distinguish life-essential commodities from ostentatious possessions.
Also
, they should plan on shopping rather than indulge themselves in shopping sprees.
Moreover
, financial institutes have the responsibility to carry out more thorough background checks before issuing
credit
cards
. Applicants who have poor
credit
 ratings, unstable employment or questionable repaying ability are not eligible for being issued
credit
cards
. Lower
credit
 limits can
also
 be set for those often defaulting on payments. To sum up, people’s craving for social recognition and their excessive reliance on
credit
cards
 seem to be responsible for personal
debts
. To prevent
this
, people should only purchase necessities for life and banks should be stricter with background checks.
Submitted by aronwang1997 on

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    • Sentence 3 - Thesis
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    • Sentence 1 - Topic sentence
    • Sentence 2 - Example
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    • Sentence 2 - Example
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  • Paragraph 4 - Conclusion
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    • Sentence 3 - Prediction or recommendation

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