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?

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More and more people are getting into debt due to the purchase of products they cannot afford and do not really need.

This

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essay will argue the main reasons for

such

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behaviour and some of the actions which society can take to tackle the problem. Over time capitalism has had many tools to influence people into becoming consumerism addicts. Interestingly, the advertisement industry has turned out to be the main and most harmful one.

For instance

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, ''Young Minds'', an Argentinean magazine, released in 2018, a study which provided evidence of the inextricable connection between adverts and the increase in young professional's debt.

In addition

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, there has been an increasing number of apps developed specifically to influence individuals to consume more.

Such

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mobile applications allow target audiences to finance their purchases and make payments in weekly or monthly instalments.

As a result

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, websites like Afterpay,

for example

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, end up making millions of dollars from returning clients who became shopping addicts.

However

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, there are many initiatives governments can consider in order to regulate both adverts and influential mobile apps.

Firstly

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, the estate can promote specific regulations that prevent ads from emitting misleading messages to the public. By way of illustration, if at the end of any promotion there could be a final message explaining the implications of consumption, people could become aware of the rising problem

that is

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living in debt.

Secondly

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, authorities could

also

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impose tax increases on smartphone apps in order to discourage the growth of

such

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businesses, which thrives at the expense of our citizens' economy.

For instance

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, if there were lesser options for individuals to finance their shopping, maybe they would stop spending money on things they do not really need. To conclude,

this

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essay explained the underlying causes of the aforementioned problem and how governments and individuals can work together to sort the issue out.

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11
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meeting the goal of 7 or more
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Word repetition
meeting the goal of 3 or fewer
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detected issues

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Overall Band Score

Coherence and Cohesion: 6.0

Logical structure

Introduction & conclusion present

Supported main points

Accurate linking words

Variety in linking words

Lexical resource: 9.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 9.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 9.0

Complete response

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

4 paragraphs

308 words

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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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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?

These days people prefer to watch live performances (Shows, concerts) through tv or computer, online rather than go to the place of event. To what extent do you agree or disagree?

In many cities, many people are living in large apartments blocks. Does this accommodation have more advantages than disadvantages.

Some people say that the best way to improve public health is by increasing the number of sports facilities. Others, however, say that this would have little effect on public health and that other measures are required. Discuss both these views and give your own opinion.

Nowadays, more and more children are being brought up in single parent families. What are the causes of this? What effects can be seen as a result of this?

A new sports centre has opened in your area. You want to visit the new sports centre and get some information. Write an letter to your friend to invite him/her.