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 problem?

#people #debt #don’t #can’t #behaviour #action

In recent years more and more

people

are getting into

debt

, the cardinal reason for

this

phenomenon is

people

purchasing stuff

that is

unnecessary or even unaffordable. In

this

essay

Add an article

an essay

the essay

show examples

I will be discussing the main reasons for

this

habit and what measures could be taken to overcome

this

issue.

To begin

with, many

people

nowadays are facing

debt

due to overspending which is mainly encouraged by advertisements. Advertisements are everywhere in the stress , TV, even in our mobile devices we receive advertisements messages.

Moreover

, following famous

people

and trying to live their luxurious life by buying the latest fashion trend and the most recent tech items will not only lead to bankruptcy but

also

get into

debt

. A recent study that was conducted in the UK showed that almost 60% of

people

who have credit card

debt

is due to buying fancy expensive thighs that they can not afford.

Moreover

, making bad financial decisions plays a major role in many

people

falling into

debt

such

as buying an expensive car or withdrawing retirement funds. All of these things are disastrous financial moves that could lead to a person being in

debt

However

, there are many measures that could be taken by individuals and governments to tickle

this

issue.

Firstly

, there should be a clear regulation

that is

followed by banks and financial institutions.

For example

, the credit card

that is

given to the cardholder should be aligned with that individual income.

Furthermore

instead

of building more malls and shops that attract

people

to spend more, governments should focus on building more schools or funding the health sector. And

last

but not least one should have the self-discipline to be able to control overspending problems. In conclusion, having

debt

has become a major issue

that is

affecting millions of

people

so in order to overcome

this

problem individuals should have self-discipline and awareness about what is necessary and what is a luxury,

also

governments should make strict rules that should be followed by financial instructions.

Submitted by ph.amal.just on Sat Jan 22 2022

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12Linking words
meeting the goal of 7 or more
2Word repetition
meeting the goal of 3 or fewer
1Grammar mistakes
 

4 paragraphs

338 words

6.00

Overall Band Score

Coherence and Cohesion: 5.0

Logical structure

Introduction & conclusion present

Supported main points

Accurate linking words

Variety in linking words

Lexical resource: 6.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 8.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 5.0

Complete response

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

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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 problem?

Your opinion

1)Some people think that parents should teach their children how to be good members of society. Others, however, believe that school is the best place to learn this. Discuss both views and give your own opinion.

Memorisation of information by frequent repetition, namely rote learning, plays a role in many education system. To what extend do the advantages outweigh the disadvantages?

These days in many countries, fewer and fewer people want to become teachers, particularly in secondary schools.

Nowadays many people choose to be self-employed, rather than to work for a company or organisation.