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Band 7

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
Nowadays, some individuals have financial problems because they overuse their
money
 by consuming goods that are useless
for
Change preposition
to
show examples
 them.
This
 essay will discuss the reasons behind
this
 phenomenon and provide practical solutions to address the issue.
People
 purchase consumptions that they do not need and get into debt because they lack basic
knowledge
 of personal asset management.
That is
 because the education system we have in the contemporary era only focuses on theoretical
knowledge
 without providing basic tools for
students
 to live their daily lives, leading to a sufficient sense of investment and saving after they grow up.
Therefore
,
people
 tend to use every quarter in their pocket for
consumption
 without considering their financial situations, and
this
 can harm them in the long term as they need to work twice hard to pay back their debts and have no time for
further
 developments in both personal and professional settings.
For example
,
according to
 a survey about college graduates in China, the major problem of their school curriculums is the lack of basic finance and investment courses, which may prevent them from over-
consumption
 after they graduate. To solve the problem, the general public, financial institutions and governments should act together in an endeavour. On an individual level,
people
 can use the Internet to self-study related
knowledge
 about asset management and proper
consumption
 behaviours.
In addition
, banks and other financial authorities should publish more strict regulations to loan
money
 to
people
 for
consumption
, which can prevent
people
 from over-
consumption
 in the early stage.
Finally
, governments should restrict education systems by adding financial courses into curricula, teaching
students
 from primary school, and developing their purchase hygiene gradually.
For instance
, the Japanese government forced all the elementary schools to set up a pocket
money
 course in which
students
 can learn about the different ways to use their
money
 and the according results, which was highly commented
by
Change preposition
on by
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 citizens. In conclusion, some
people
 struggle with their
consumption
 debts for useless things because they have insufficient
knowledge
 about asset management and have no plan for their
consumption
 in advance. All
the
Correct article usage
apply
show examples
individuals by learning financial
knowledge
, banks by setting strictly examining
progress
Add an article
the progress
show examples
 of
Add an article
the loan
show examples
loan
Fix the agreement mistake
loans
show examples
, and governments by adjusting curriculums and adding
consumption
 practices for
students
 can help to address the issue.
Submitted by mxinyao on

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Use a variety of complex and simple sentences

You should use complex sentences in your writing, but it does not mean that you should try to make all of our sentences complex.

‘Complex’ sentences are not actually very complex; they are just two or more simple sentences put together. Putting them together makes the essay more coherent and cohesive.

Examples:

I really want to study but I’m too tired.

I wore a warm coat because the weather was cold.

If action is not taken soon on climate change, global warming will get worse.

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