Some people get into debt by buying things they do not need and are unable to afford. What are the reasons for this behavior? What action can be taken to prevent people from having this problem?

#people #debt #behavior #action

✨ Do you want to improve your IELTS writing?

Many

people

owe money because they purchase unnecessary goods that they cannot afford. Relentless advertising in the

media

and the easy availability of

credit

are the main reasons for

this

, and I believe it is the responsibility of governments to intervene and issue stricter guidelines to prevent irresponsible lending and to regulate advertising in the

media

. Advertising in the

media

has caused many

people

to go into debt. Clever marketing can lead

people

to believe they need something when in reality they do not, driving them to spend unnecessarily. Another reason that

people

are buying things they cannot afford is the fact that

credit

is easily available. Nowadays financial institutions make it widely known that anyone can get a

credit

card or a loan.

For example

, wonga.com has been heavily criticized in the United Kingdom for providing short-term loans at high interest rates that can be instantly sent to someone’s bank account after applying online. These practices could be curbed through government regulation of excessive advertising and unsound lending practices.

In other words

, if governments capped the amount of advertising allowed in the

media

and required applicants for loans or

credit

to prove that they have sufficient income,

people

would be under less pressure to spend recklessly and

also

would not have the means to do so.

For example

, in Germany, a person is not allowed to borrow more than 10% of their annual income in any one year, and if they do, the bank will be penalized with a heavy fine. In conclusion, rampant lending and excessive marketing have led to many

people

being burdened with debt, but

this

can be avoided if authorities regulate advertising and put in place proper rules that lenders must adhere to.

Submitted by haixiuxiaonini on Sun Jul 14 2024

Unauthorized use and/or duplication of this material without express and written permission from this site’s author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to Writing9 with appropriate and specific direction to the original content.

task achievement

While your essay clearly addresses both parts of the task, ensure that every point you make in support is elaborated thoroughly. Adding more detail and example to each main point can improve your score.

coherence cohesion

To strengthen your coherence and cohesion, make sure every paragraph connects smoothly with transitional phrases. This will enhance the overall flow and readability.

coherence cohesion

You have presented a clear introduction and conclusion, which frames your essay well.

coherence cohesion

Your essay demonstrates logical structure, with main points supported effectively by relevant examples.

task achievement

The task has been comprehensively addressed, covering both reasons and actions with specific examples.

task achievement

You have expressed clear and comprehensive ideas throughout the essay, making your argument convincing.

Fully explain your ideas

To get an excellent score in the IELTS Task 2 writing section, one of the easiest and most effective tips is structuring your writing in the most solid format. A great argument essay structure may be divided to four paragraphs, in which comprises of four sentences (excluding the conclusion paragraph, which comprises of three sentences).

For we to consider an essay structure a great one, it should be looking like this:

Paragraph 1 - Introduction

Sentence 1 - Background statement
Sentence 2 - Detailed background statement
Sentence 3 - Thesis
Sentence 4 - Outline sentence

Paragraph 2 - First supporting paragraph

Sentence 1 - Topic sentence
Sentence 2 - Example
Sentence 3 - Discussion
Sentence 4 - Conclusion

Paragraph 3 - Second supporting paragraph

Sentence 1 - Topic sentence
Sentence 2 - Example
Sentence 3 - Discussion
Sentence 4 - Conclusion

Paragraph 4 - Conclusion

Sentence 1 - Summary
Sentence 2 - Restatement of thesis
Sentence 3 - Prediction or recommendation

Our recommended essay structure above comprises of fifteen (15) sentences, which will make your essay approximately 250 to 275 words.

Discover more tips in The Ultimate Guide to Get a Target Band Score of 7+ »— a book that's free for 🚀 Premium users.

4
Linking words
meeting the goal of 7 or more
3
Word repetition
meeting the goal of 3 or fewer
0
Grammar mistakes
detected issues

0123456789.0505

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: 7.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 9.0

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

288 words

🚀 Prepare for IELTS writing section today!

Unlimited Task 1 & Task 2 checks
Practice with essays, charts, and letters.
Personalized suggestions & mistake analysis
Spot every mistake and boost your score.
Topic ideas & vocabulary helpers
Expand your ideas and use the right words.
Progress tracking
Watch your writing improve with every practice.

Topic Vocabulary:

consumerism
financial literacy
impulse buying
credit score
debt management
sustainable living
emotional spending
budgeting skills
peer pressure
retail therapy
frugality
credit limit
financial counseling
minimalistic lifestyle

What to do next:

Look at other essays:

5
band
In many countries, the comsumption of fast food is increasing. Why is that happen ? disadvantage of this trend . provide examples and support your opion.
In recent years, the demand for fast food has witnessed a significant increase, in most countries. I believe there are several reasons behind this issue; however, it is reasonable to look at its drawbacks as well as the factors which contriubutie to its increasing popularity.
6
band
Computers are being used more and more in education. Some people say this is a positive trend, while others argue that it leads to negative consequences. Discuss both sides of this argument and then give your own opinion.
There is an ever-increasing use of technology, such as tablets and laptops, in the classroom. It is often argued that this is a positive development, whilst others disagree and think it will lead to adverse ramifications. This essay agrees that an increase in technology is beneficial to students and teachers.
5.5
band
You have a friend who has always liked the car you currently drive. Now you have decided to sell the car. You think your friend might be interested in buying it. Write a letter to this friend. In your letter, say why you want to sell your car describe the condition of the car invite the friend to come and see the car himself/herself someday Write at least 150 words.
I hope you are doing well. As you know, I've Honda Civic car from last 3 years, and you really enjoy driving that car. I'm trying to sell this car and was wondering if you are willing to buy it.
8
band
A friend has invited you to a birthday party, but you will be able to attend. Write a letter to your friend. In your letter: Thank your friend for the invitation Explain why you won’t be able to attend Suggest another time to see your friend.
I just received your invitation letter to your birthday party. Thank you for inviting me. Turning 40 years old is an important milestone in life. Therefore, I am incredibly happy that you want me to celebrate this special occasion with you.
5.5
band
In many parts of the world, women study science and technology, but donot work in these fields. What measures can be taken to encourage women to work in science and technology?
Despite studying science and technology, many women around the world do not pursue careers in these fields. This essay argues that gender biases and inadequate workplace support are major factors contributing to this issue, which can be addressed by promoting gender equality and increasing average salaries.

Some people get into debt by buying things they do not need and are unable to afford. What are the reasons for this behavior? What action can be taken to prevent people from having this problem?

Fully explain your ideas

In many countries, the comsumption of fast food is increasing. Why is that happen ? disadvantage of this trend . provide examples and support your opion.

Computers are being used more and more in education. Some people say this is a positive trend, while others argue that it leads to negative consequences. Discuss both sides of this argument and then give your own opinion.

A friend has invited you to a birthday party, but you will be able to attend. Write a letter to your friend. In your letter: Thank your friend for the invitation Explain why you won’t be able to attend Suggest another time to see your friend.

In many parts of the world, women study science and technology, but donot work in these fields. What measures can be taken to encourage women to work in science and technology?