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?

The question of whether some

people

purchase items which are not required or unaffordable for them is considered a debatable concern. In the upcoming paragraphs, I will delve into the underlying causes of a particular phenomenon and propose effective solutions to address it.

To begin

with, there are various causes why individuals get the

debt

to buy unnecessary and unaffordable items to fulfil their desires. First and foremost, the primary reason behind

this

phenomenon is that

people

nowadays tend to engage in work for long hours to make ends meet, and

due to

the significant increase in inflation, their salaries are not sufficient to purchase expensive things.

Additionally

, advertisements play a major role in intensifying

this

issue because they convince individuals to buy things even if they can not afford them.

This

not only leads to

debt

but

also

fosters a culture where material possessions are more important than financial stability. Ultimately, another important point is that even though citizens accumulate

debt

to buy things

according to

their own desires, family and peer pressure

also

play a major role.

For example

, the majority of

people

buy expensive cars under peer pressure, even if they cannot afford them just for the sake of showing off.

On the other hand

, there are several measures that can be taken to tackle

this

issue.

Firstly

, to address

this

issue, it is crucial to implement educational programs to teach individuals about money and how to manage it wisely.

Secondly

,

instead

of making fun, colleagues should

also

support and encourage each other to have open discussions about their financial circumstances.

Furthermore

, the government should

also

arrange seminars to aware

people

of the drawbacks of

debt

and the purchase of unnecessary items.

To conclude

, the solutions we have discussed offer hope for addressing these challenges. By taking action and applying these solutions

such

as open discussion with peers about financial situations, saving money for future emergency situations and attending educational seminars, citizens can create a better future for everyone.