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Writing Samples
Band 8

In numerous nations, there is a growing trend for individuals to frequently discuss financial matters, such as their earnings or expenditures, in everyday conversation. What are the reasons behind this phenomenon? Is it advantageous or detrimental?

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In many countries, there is a noticeable increase in daily conversations about financial matters,
such
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 as gains and losses, among
individuals
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.
This
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 surge can be attributed to factors like rising inflation and the necessity of discussing these topics.
Overall
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,
this
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 trend is beneficial as it helps
individuals
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 formulate better financial plans and enhance their savings.
Firstly
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, one of the primary reasons people are engaging in more frequent financial
discussions
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 across generations is the rising rate of inflation. As many nations continue to face high prices,
individuals
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 feel compelled to talk about their daily expenses.
For instance
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, a research study conducted by The Guardian in March 2015 revealed that eight out of ten adults were eager to share their financial perspectives in order to navigate the uncertainties posed by fluctuating inflation rates.
Additionally
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, regular
discussions
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 on wages and their prudent allocation are essential for fostering financial literacy.
As a result
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, when people of all ages engage in these conversations, they can gain a better understanding of the current trends in the money market.
Such
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 an approach can be incredibly beneficial for making sound financial decisions.
For example
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, brief daily
discussions
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 concerning income and expenditure can aid
individuals
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 in developing both short-term and long-term financial strategies, which can alleviate future anxiety and uncertainty. By carefully managing their income and outgoing resources,
individuals
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 can achieve financial gains over a more extended period.
According to
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 the World Trade Organization's annual report from
last
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 year, 75% of
individuals
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 had started saving one-third of their income since they began discussing their financial details with family and friends. Clearly,
this
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 phenomenon holds significant advantages. In conclusion, it is evident that
while
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discussions
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 about wages and expenditures are increasing among generations for various reasons, they
also
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 offer substantial benefits for creating wise financial plans and fostering long-term savings.

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style
While the essay achieves its purpose well, incorporating a wider range of vocabulary and more varied sentence structures could enhance the writing further.
content
Try to provide a bit more analysis on the potential drawbacks of this phenomenon, as the essay predominantly focuses on the advantages. This would offer a more balanced perspective.
content
Ensure the examples given are up-to-date; referencing sources from nearly a decade ago may not seem as relevant to contemporary readers.
structure
The essay is well-structured, with a clear introduction, body, and conclusion.
content
The arguments are logically presented and well-supported with relevant examples.
summary
The conclusion effectively summarizes the main points and reiterates the essay’s overall stance.
Topic Vocabulary:
  • economic climate
  • social media platforms
  • transparency
  • cultural shifts
  • financial literacy
  • manage finances
  • comparison
  • competition
  • consumerism
  • trust
  • financial matters
  • earnings
  • expenditures
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