A lot of people nowadays are spending too much money and they don’t save anything for future use. Is this a positive or a negative development?

A growing number of

people

Use synonyms

tend to spend excessively without planning for future investments. In my opinion,

this

Linking Words

is a negative development that can lead to financial instability and long-term insecurity.

To begin

Linking Words

with, spending too much

money

Use synonyms

on unnecessary things will result in financial vulnerability. Today's fast-paced technological era pushes

people

Use synonyms

to become impulsive buyers.

This

Linking Words

is because they can easily access the market using their smartphones.

For example

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, the number of customers who use e-commerce platforms has been growing over time.

Moreover

Linking Words

, these buyers often purchase unnecessary products and contribute to overconsumption.

As a result

Linking Words

, individuals might find themselves unable to save

money

Use synonyms

, leading to a lack of financial security in the long term.

Furthermore

Linking Words

people

Use synonyms

who fail to invest their

money

Use synonyms

might be unprepared for major events,

such

Linking Words

as retirement. Despite earning a high salary during their working years, individuals who lack financial literacy or do not make long-term investments are likely to face difficulties later in life.

This

Linking Words

is because

people

Use synonyms

become less productive and unable to generate income. Without adequate savings or passive income sources, they may struggle to maintain their standard of living.

For instance

Linking Words

, those who retire without retirement funds might rely solely on government aid, including healthcare and financial support. In conclusion, spending too much

money

Use synonyms

on unimportant things could bring severe consequences in both the short term and the long term. In a short period, it would damage financial security.

In addition

Linking Words

, it could lead to difficulties in life

as a result

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of unforeseen events,

such

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as a struggle to maintain living standards.

christiansuhendra

Jun 23, 2025

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task achievement

Make sure to explain all your ideas clearly. Some points could use more detail or examples to support them better.

coherence and cohesion

Try to improve the flow of your ideas by using more linking words between sentences and paragraphs.

task achievement

Your introduction clearly states your opinion about the topic.

task achievement

You provided good examples of how spending habits can impact financial stability.

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9
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: 6.0

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: 6.0

Complete response

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

4 paragraphs

262 words

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Topic Vocabulary:

economic instability
financial trouble
emergencies
economic downturns
financial security
long-term goals
higher education
retiring comfortably
paycheck to paycheck
stress and anxiety
mental health
stimulate the economy
generate employment
business growth
debt accumulation
consumerism culture
material goods
personal development

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A lot of people nowadays are spending too much money and they don’t save anything for future use. Is this a positive or a negative development?

Some shops are open 24 hours a day and 7 days a week. Do you think it is a good thing for the customers, shop staff and society as a whole?

chools have the social responsibility to discourage children from eating junk food. Others think it is the parent's responsibility. Discuss both views and give your opinion.

Technology is becoming progressively universal. In the fullness of time, classroom teachers will be totally substituted for technology. Do you agree or disagree?

Topic Nowadays, a growing number of people with health problems are trying alternative medicines instead of visiting their doctor. Do you think this is a positive or a negative development?