Some people get into debt by 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? Give reasons for your answer and include any relevant examples from your own knowledge or experience.

There is an ongoing debate about why some individuals fall into

debt

Use synonyms

despite knowing they cannot afford certain items.

While

Linking Words

some

people

Use synonyms

believe

this

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behaviour is

due to

Linking Words

personal irresponsibility, others argue that modern consumer culture plays a major role.

This

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essay will discuss the causes of

this

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problem and suggest possible solutions. I believe that understanding both psychological and social factors is key to addressing

this

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issue. One major reason

people

Use synonyms

get into

debt

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is the influence of advertisements and social media.

For example

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, many

people

Use synonyms

feel pressured to buy the latest gadgets or fashion trends to fit in with others.

This

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shows that peer pressure and digital marketing create a false sense of need, pushing

people

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to spend beyond their means.

Therefore

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, consumerism driven by modern technology is a major factor in personal

debt

Use synonyms

. Another important action that can be taken is improving financial education.

For instance

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, schools and universities can offer courses that teach budgeting, saving, and responsible use of credit cards.

This

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suggests that when

people

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understand how to manage their money, they are less likely to fall into unnecessary

debt

Use synonyms

Thus

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, increasing financial literacy is a practical step toward solving

this

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issue. In conclusion, the main reasons for overspending include social pressure and a lack of financial knowledge.

Although

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advertisements and digital influence are powerful, I believe that financial education can help

people

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make smarter choices. It is recommended that governments and schools promote money management programs to build a more financially responsible society.

Shahad Fri May 23 2025

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task achievement

Consider adding more specific examples to strengthen your points.

coherence and cohesion

Ensure all points clearly connect for better flow and understanding.

positive

The introduction clearly states the main topic and your opinion.

Word Count

IELTS says that you should write a minimum of 250 words in writing task 2. If you go under word count you will lose marks in task response.

A very long essay will not give you a higher band score.

Aim for between 260 to 290 words in writing task 2. This will ensure a concise essay and will be realistic in terms of time management. You have only 40 minutes to write the essay and you need around 10 minutes of planning time, so you will not be able to write a long essay in 30 minutes.

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8
Linking words
meeting the goal of 7 or more
2
Word repetition
meeting the goal of 3 or fewer
0
Grammar mistakes
detected issues

0123456789.0505

Overall Band Score

Coherence and Cohesion: 7.0

Logical structure

Introduction & conclusion present

Supported main points

Accurate linking words

Variety in linking words

Lexical resource: 8.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 9.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 7.0

Complete response

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

4 paragraphs

249 words

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Topic Vocabulary:

consumer culture
impulsive buying
financial literacy
accumulating debt
high-interest rates
emotional spending
financial education
budgeting
materialism
personal well-being
mandatory financial counseling
tighter lending criteria

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Some people get into debt by 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? Give reasons for your answer and include any relevant examples from your own knowledge or experience.

Word Count

Some people think that the modern communication technology is having a negative effect on social relationships. To what extent do you agree or disagree

It is sometimes possible to pay somebody to do things you don't want to do, or don't have time to do, for example, household chores or looking after children. Is this a good way of providing work for others? Should people do these things themselves?

At the present time, the population of some countries includes a relatively large number of young adults, compared with the number of older people.Do the advantages of this situation outweigh the disadvantages?

The best manager is one who is warm and friendly with their staff. Do agree or disagree?

some children spend hours every day on their smartphones. why is this the case? do you think this is a positive or a negative development?