Many people are using credit cards or loans to run up huge personal debts that they may be unable to repay. It should therefore be made more difficult for individuals to borrow large amounts of money. What is your opinion?

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In modern times, credit cards and loans are used very frequently, and a lot of people have large debts that they can not repay. The conventional wisdom is that it will be easier to repay if a group of families borrow together. I am in two minds about

this

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, while I agree with

this

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common opinion, I believe that it will not cause problems if a person has enough money or a constant budget. In fact, it is more profitable to borrow and repay credits when it is done with friends. Even if two people have one loan, each of them pays only half of the credit.

For instance

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instead

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of paying ten thousand dollars, both will pay five thousand dollars.

Moreover

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, the more people in the group, the easier it will be to repay the debt. Another possibility to safely borrow would be having a sufficient amount of cash to repay the credit. When an individual has a lot of money, he/she can repay it at that moment.

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Similarly

Add a comma

,Similarly

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apply citizens who have stable salaries

and

Correct word choice

apply

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can distribute money according to needs.

For example

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, if a person has to pay $10000 to a bank for 2 years and one has a salary of thousand dollars, he/she will have to allocate two-fifths of the wage. In conclusion, before taking out a loan and being in the red, in my view, the key point is to calculate wages so that to have enough cash to pay for everything

that is

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needed.

Mezun 2023Sat Aug 13 2022

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7
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meeting the goal of 7 or more
0
Word repetition
meeting the goal of 3 or fewer
2
Grammar mistakes
detected issues

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Overall Band Score

Coherence and Cohesion: 9.0

Logical structure

Introduction & conclusion present

Supported main points

Accurate linking words

Variety in linking words

Lexical resource: 7.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 7.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 8.0

Complete response

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

4 paragraphs

250 words

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Topic Vocabulary:

financial literacy
credit cards
loans
debts
mental health
well-being
stringent checks
balances
repaying
reckless spending
living beyond one's means
financial destabilization
regulations
cap (verb)
income
financial commitments
mandatory financial education
financial decisions

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The health benefits of physical exercise are well-known. Despites this, a lot of people do not exrcise regularly. What are the reasons for this? What could be done to encourage them to exercise more often?

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Some university students want to learn about other subjects in addition to their main subjects. Others believe it is more important to give all their time and attention to studying for a qualification. Discuss both these views and give your own opinion.

People nowadays tend to have children later in life. Do the advantages of this outweigh the disadvantages? (267)

Some people believe that social media sites, such as Facebook or Twitter, have a negative impact on young people and their ability to form personal relationships. Other sites bring people together in a beneficial way.