IELTS Writing task 2 (Causes and Solution Essay)

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.




Nowadays we are living in a society based on consuming. Without even thinking about monthly income, peoples try to live a high-quality lifestyle which is beyond their income level. As a result; some people have problems in dealing with this budget, and they get into debt by buying things they don’t need and can’t afford. 

This kind of behaviour is encountered quite often in our present days, mainly because of the possibility of buying goods in leasing. Hence, people buy most of the goods using the credit card without having a clear idea of how much money they possess or they owe. Also, another cause of this behaviour could be psychological. The advertisement and subliminal messages one encounters on a regular day in a big city have an enormous impact on one’s brain. The main problem is that lack of awareness of the serious effects that advertisement can have on people.  

In order to prevent people from adopting this dangerous behaviour, measures should be taken to raise awareness among people. Also, one must learn how to manage his budget in order to get a balance between necessity and pleasure. Keeping a record on income and monthly spendings would be very helpful and would give to the consumer an overall image on how his budget should be spent. 

All summed up, the chances of becoming a victim of the consumer’s society are high nowadays due to the surrounding temptations but this problem could be easily avoid by being aware of this dangers and having a rational attitude when dealing with money. 


260 words.

Source: The Official Cambridge Guide to IELTS for Academic and General Training.

1 thought on “”

  1. In today’s world, most of the people love to achieve a high status in society with an objective to gain social recognition. Due to which they start buying things to suit the upper class lifestyle, as a result they often fall into huge debt. Most of these expensive items are really not necessary for them and they do not have the purchasing power for those. So, this is crucial that we learn to understand the fine line difference between need and showing off.This essay will shed light on the causes of this behaviour and we can take measures.

    The reason for purchasing unnecessary things are multifold. Firstly, people want to achieve a high level social status which will give them recognition in front of family and friends.In a general tendency , our society gives special attention to people who own expensive things. Secondly, these luxury items give us comfort in our day to day life which in turn make us habituated to use those. For an example, earlier air-conditioner or dish-washer were not very common in a middle class household but nowadays these are counted under necessary items. Lastly, due to extensive advertisement on television or newspaper, people get to know about new products introduced in market and tend to buy those being persuaded by the brand’s marketing effort.

    If we do not want to fall under a huge burden of debt, we need to learn financial planning very effectively. This is really important to balance our income and expense. We should prepare a monthly budget plan for the things that we need in our day to day life. Comparison should not take place with someone who is from a higher income group society. Rather than buying redundant luxury items, we should try to invest in something which will give us return on investment in long term. In that way we will be able to maximize our capital money. Research shows that, people who plan their finances in a thoughtful manner, are more likely to live a debt-free life. For an example it is better to buy an apartment worth 50 Lacs INR rather than spending that money to buy a car with exorbitant pricing.

    To recapitulate, although owning costly commodities give us ultimate social recognition, we should refrain ourselves from purchasing unnecessary and irrelevant things. In that way only, we will be able to live a healthy life and will be able to prevent ourselves from the risk of being into high amount of debt.

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