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 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?

Outline

Essay Type

Cause solution essay

Introduction

Sentence 1&2: introduction of the topic.

Sentence 3: Reason and Solution for the stated problem.

Body Paragraph

Paragraph 1: People are never satisfied with what they have and they have a constant urge to acquire more.

Paragraph 2: People should cease competing pointlessly and accept whatever their budgets allow instead of trying to live beyond their means.

Conclusion

Summarize your thoughts and express your final opinion.

Sample Essay

People are inherently drawn to possess expensive things. Consequently, some people become debt-ridden by buying things they don’t need and are unable to afford. Several factors, including reckless spending by individuals, have caused the current problem. In this essay, I will discuss my view of the situation and try to provide a solution for the same.

The fact is, people are never satisfied with what they have, and they have a constant urge to acquire more. People nowadays want a luxurious lifestyle. With the implementation of technology, new tools and gadgets are being designed to make our lives easier; however, they are constantly becoming cost-prohibitive. Most of the time, individuals buy extravagant items that they don’t really need and have no inclination to use them for anything other than showing off. Likewise, when someone lives in a high-class society, they tend to try to keep up with the level of their culture, as a result, they often end up spending on items they can not afford. Indians, for instance, regard cars as status symbols, so many of them take loans to buy a car, putting themselves under credit pressure.

Creating a budget is an effective way to prevent this problem. People should cease competing pointlessly and accept whatever their budgets allow instead of living beyond their means. We can’t stop ourselves from purchasing unnecessary things unless we take responsibility for our actions. Also, the government should make strict rules, and more rigidity should be added to the lending process.

To summarize, the availability of a wide range of product choices combined with unbridled spending may lead to financial debts. Keeping these behaviours under control requires clever budgetary planning.

Vocabulary

• Inherently

Meaning: in a permanent, essential, or characteristic way.
Eg: This work is inherently dangerous

• Debt-ridden

Meaning: having too much debt
Eg: He became debt-ridden after his daughter’s marriage.

•  Urge

Meaning: to advise or try hard to persuade somebody to do something
Eg: I urged him to fight the decision.

• Cost-prohibitive

Meaning: too expensive
Eg: These goods are inferior in quality, and cost prohibitive to produce.

• Extravagant

Meaning: spending or costing too much money
Eg: She always sent extravagant gifts to her daughter.

• Inclination

Meaning: preference; tendency.
Eg: She shows no inclination to give in to their demands

• Keep up

Meaning: continue a course of action
Eg: keep up the good work

• Cease

Meaning: to stop or end
Eg: You never cease to amaze me!

• Rigidity

Meaning: stiff and inflexible
Eg: The rigidity of the metal caused it to crack

• Unbridled

Meaning: not controlled and therefore extreme
Eg: A dog should have an unbridled passion for food

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