Some people get into debt by buying things they don’t need and cannot afford. What are the reasons for this behaviour? What actions can be taken to prevent people from having this problem?

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Nowadays, some individuals gain loans to purchase expensive items which they do not really need in their daily lives. Personally, I think it has to do with lack of skills, the influence of advertising and so on,
thus
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people
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should take several impactful actions to preclude
this
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issue
such
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as increasing their abilities. It is logical that some
people
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do not have any knowledge about finances. Because of
this
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, they waste money on things that are not really essential or helpful, and they tend to think that by acquiring non-essential products they would experience an increase in their social status, which is not true.
For example
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, it is noticeable that a number of individuals certainly copy each other, wearing the same clothes, and similar technology from brands
such
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as Gucci, and Apple, and the reason for
this
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statement is the influence of advertising and consumer culture.
Moreover
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, most part of our society believes that if they bought some expensive and new-brand units, they would become better known and more relevant, but
this
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cannot even work .
Nevertheless
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, there are plenty of ways to solve
this
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problem.
Firstly
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, the most important thing that a community needs is knowledge about spending cash correctly, which is financial education.
For instance
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, everyone can easily use the internet and take some online courses that provide adequate materials to learn how to save not just money, but
also
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time.
Secondly
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, if society blocks any easy access to credit and loans, they will experience freedom of action and will no longer be in debt. To give a clear example, new technologies have required built-in facilities
such
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as blocking something and so on, and it will be especially helpful for everyone who tries to abandon their bad habits.
Finally
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,
people
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may buy needed things with the same abilities just by researching through online platforms and checking qualities
instead
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of purchasing a lot of unnecessary items. In conclusion,
although
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people
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tend to purchase a lot of products that are not very meaningful and expensive, they can try to change themselves, learn some financial skills and study first the quality of the product rather than its price tag.
Submitted by talgattan4ez on

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task achievement
Your essay generally addresses the task well, but make sure to clarify some of your points. For instance, the influence of advertising could be elaborated on more precisely.
coherence cohesion
Consider using a variety of cohesive devices to enhance the flow of your essay. For example, words like 'therefore,' 'as a result,' and 'consequently' can help improve coherence.
task achievement
You have provided a complete response to the question, addressing both the reasons and solutions for people getting into debt by buying non-essential items.
coherence cohesion
Your essay is logically structured with clear introduction and conclusion paragraphs, which help in framing your ideas comprehensively.
task achievement
You used specific examples to support your points, which adds depth and relevance to your essay.
coherence cohesion
The essay flows well from one point to the next, demonstrating a good degree of coherence and cohesion.

Your opinion

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Topic Vocabulary:
  • consumer culture
  • financial education
  • instant gratification
  • peer pressure
  • social status
  • credit and loans
  • financial responsibility
  • public awareness campaigns
  • debt management
  • regulate
  • impose
  • preventive actions
  • advertising influence
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