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Some people get into debt by buying things they don’t need


You should spend about 40 minutes on this task.

Present a written argument or case to an educated reader with no specialist knowledge.

Write about the following topic:

Some people get into debt by buying things they don’t need and can’t afford. What are the reasons for this behaviour? What action 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.

Write at least 250 words.

Sample Answer:

In today’s consumer-driven society, it is not uncommon for people to fall into debt by purchasing items that they neither need nor can afford. There are several reasons for this behavior, and it is crucial to address these underlying causes in order to prevent individuals from facing financial hardship.

One of the primary reasons for overspending and accumulating debt is the pressure to keep up with societal expectations and standards. With the rise of social media and the constant bombardment of advertisements, individuals often feel the need to project a certain image of success and affluence. This can lead to impulsive and unnecessary purchases, ultimately resulting in financial strain.

Moreover, the lack of financial literacy and education plays a significant role in individuals’ inability to manage their finances effectively. Many people are not equipped with the necessary knowledge and skills to make informed decisions about their spending and budgeting. As a result, they may find themselves succumbing to the allure of easy credit and falling into the trap of debt.

To address this issue, proactive measures can be taken to prevent people from falling into the cycle of debt. Firstly, there needs to be a greater emphasis on financial education, starting from a young age. Schools and educational institutions should incorporate practical lessons on budgeting, saving, and responsible spending to equip individuals with the necessary tools to make sound financial decisions.

Furthermore, there should be stricter regulations and monitoring of lending practices to prevent individuals from being lured into unsustainable levels of debt. Financial institutions should be required to conduct thorough assessments of an individual’s ability to repay before extending credit, thus reducing the risk of overborrowing.

In addition, promoting a culture of mindful consumption and contentment with what one has can help combat the urge to overspend. Encouraging individuals to prioritize their needs over wants and to cultivate a habit of saving can contribute to a more financially secure society.

In conclusion, the reasons for individuals falling into debt due to unnecessary purchases are multifaceted, but through a combination of education, regulation, and societal mindset shifts, it is possible to prevent people from facing this problem. By addressing the root causes and implementing proactive measures, we can empower individuals to make responsible financial choices and avoid the burden of debt.

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