Some People Get into Debt by Buying They Don’t Need and Can’t Afford IELTS Writing Task 2

Some people Get Into Debt by Buying They Don’t Need and Can’t Afford IELTS Writing Task 2 consists of three sample answers provided below. The task requires the candidates to provide a tentative and argumentative answer for the question. The sample answers comprises two parts: Introduction and body. The introduction is a brief description about the topic. The body contains argumentative statements and tentative answers to  support the test-taker's perspective.

IELTS writing task 2 evaluates candidates based on the knowledge and views they have expressed. The areas that candidates are assessed on are grammar, vocabulary, and style. IELTS writing score is marked based on band scores. The band scores range from 0 to 9. Since the topics are very diverse, candidates must go through IELTS Writing practice papers to become familiar with a lot of topics.

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

Model Answer 1

People from ages have had the expression of owning precious and expensive things to fulfill their materialistics needs. Thus, this leads to people becoming debt-ridden due to their approach towards fulfilling their needs of buying and affording expensive things which they don’t need or can’t afford. There are a number of factors that lead to irregular spending of money by individuals and further cause several issues in their lives. This essay will proceed with discussing this aspect in a broader approach. I would like to highlight that it is a nature of human beings that they are never satisfied with the things that they already have. Moreover, they have a constant urge to acquire more things. In addition to that, people these days are highly influenced by social media and the approaches that are portrayed in it and further demand for themselves a luxurious lifestyle. With the onset of the digital era, there are establishments of a number of things such as innovative technology, new tools and gadgets, that are intended towards helping individuals to shape an easier lifestyle approach. Majority of the time, individuals are seen buying products that are extravagant and which they don’t really need. Thus, to overcome this challenge, there is a necessity of establishing a budget that will help prevent this problem. Moreover, individuals are required to eradicate their competitive nature and live within the limits of their budgets. We might not be able to stop ourselves from buying expensive items and materialistic things. However, the least we can do is take responsibility for our actions. Additionally, the government can frame certain rules and norms to ensure rigidity with expenses of individuals. To summarize, I would like to mention that the availability of a wide range of choices with unbridled spending might lead to unwanted financial debts.

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It can’t be denied that individuals in today’s date are developing a mindset of consumptive and materialistic approach. They work on the mindset that owning luxurious things will help with establishing a status symbol in the society. However, one can notice a common factor amongst these people that is debt. There are a number of reasons that lead individuals to debt situations, and the essay below will elaborate on the same. There are quite a number of reasons that are leading to challenges associated with debts nowadays. First and foremost, with the advent of social media platforms such as Facebook and Instagram, more individuals are flaunting their expensive products, taking photos and uploading them to the platforms, prompting them to purchase more expensive items. Second, as the number of exclusive malls increases, consumers are more likely to spend money on secondary requirements such as clothes, jewelry, and technology. Finally, because it is easier to qualify for and receive credit cards these days, many people are purchasing expensive items that exceed their income. As a result of their hedonistic lifestyle, many people find themselves in considerable debt. There are a number of things that people can accomplish in order to solve these kinds of issues. One of the main approaches being held by a clear regulation associated with credit cards that are required to be followed by banks and financial institutions. This will regulate the procedures of issuing credit cards to their consumers. To conclude, I would like to mention that there are a number of people globally that deal with the issues of debt in their daily lives.

Model Answer 3

People's salaries are rising as a result of economic expansion, and they are beginning to consume more things than in the past. Some people, on the other hand, end up in debt because they buy things they don't need and can't afford. It is critical, in my opinion, to keep people from becoming trapped in this dilemma. FIrst and foremost, this behavior can be attributed to a number of factors. The psychological issue is one of the most crucial triggers. When some people are sad or dissatisfied, they may go shopping and purchase everything they desire. Because of their loss of control, they were unable to consider whether or not they required the items. Another crucial factor is their short-term desire. To be more specific, people have the desire to acquire something that is not generally necessary for them and is out of their financial circumstances at times. As a result, people will make a purchasing decision without weighing the advantages and disadvantages. Moreover, this behavior of individuals can lead to a very dangerous situation. To begin, every store or shopping center should monitor customer purchases by looking at their financial situation. As a result, people will be unable to purchase products that they cannot afford. We should also organize a psychology course for folks who have difficulty purchasing. Finally, shop salespeople should counsel and make solid recommendations to customers so that they can make the best decision. Banks should be stricter when authorizing a credit card for a person, and the credit limit should be within the cardholder's means. To begin, every store or shopping center should monitor customer purchases by looking at their financial situation. As a result, people will be unable to purchase products that they cannot afford.