It has become very common for people to borrow money. Most people have a Credit Card, a mortgage and often they will buy a car on credit as well. Is this a good idea is it too risky? Discuss both views and give your own opinion.

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Nowadays it became a usual factor that people use credit cards, or buy
Correct article usage
a house
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house
Fix the agreement mistake
houses
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, or
car
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cars
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via loans
in
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from
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banks. Some would argue that it is too risky,
others
Correct word choice
while others
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insist that it's the successful model of family economics. In
this
essay
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,essay
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I will discuss both opinions and give my opinion regarding
money
issues and loans.
To begin
with, many people believe that loans take individuals into
debt
for a long time.
For
example
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,example
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one friend of mine has a salary of 2500 manats
,
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apply
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and decided to take a loan from
bank
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the bank
a bank
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and buy a
car
. The price of the
car
was 60.000 manats and the
debt
with percentage rate became 75900. She had to pay 1265 azn monthly for five years. At
first
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,first
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everything went smoothly, but while COVID her company faced a lot of problems and she lost her job. The Bank requires to have regular payments,
otherwise
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,otherwise
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it will take back the
car
and sell it, in order to close the
debt
. From
this
point
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,point
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borrowing
money
can be risky for people.
On the other hand
, many business mentors and leaders suggest that it is beneficial to use
banks
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banks'
bank's
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money
in projects rather than earned
money
.
For
example
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,example
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while establishing my company banks give a retreat period where you can organize your work and start having cash flow, after that 6 month-1
year
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years
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you start making your payment. In a given period of time with
regular
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the regular
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cash
flow
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,flow
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you will be able to be free of
debt
. In conclusion, I would like to say that no matter what credit card debts for a personal matter should always consist of 30% of your earnings. Business credits are not harmful because if you
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lose
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loose
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lose
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what you tried to build,
bank
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the bank
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will sell it and get
it's
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its
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money
Add an article
a money
the money
show examples
back. Both of them are not harmful if you have a proper plan.
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Use cohesive linking words accurately and appropriately

Linking words are very important in your essay.

To score effectively on your IELTS exam, you should make an effort to implement short concise sentences coupled with linking words.

Almost every sentence in your essay should have a linking word of some sort.

In fact, the only sentences that can omit linking words are your background sentence and thesis.

Linking word examples:

  • firstly
  • secondly
  • thirdly
  • in additional
  • moreover
  • also
  • for example
  • for instance
  • therefore
  • however
  • although
  • even though
  • despite

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Topic Vocabulary:
  • compelled
  • strategic financial decision
  • investing
  • property
  • cash flow
  • rewards programs
  • debt trap
  • servicing debt
  • exacerbate
  • financial strain
  • cycle of debt
  • personal responsibility
  • financial literacy
  • informed decisions
  • excessive borrowing
  • ill-informed borrowing
  • financial planning
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