Writing Feedback / 'it is rather a common phenomenon for people to have debts' - causes of debts and prevention [4]

Here comes the essay question:
Some people get into debt by buying things they dont need and can't afford. What are the reasons for the behaviour? What action can be taken to prevent people from having this problem?

My answer:

Nowadays, it is rather a common phenomenon for people to have debts than before, which might be a direct result of invention of credit card and a desire of trying to catch up with some trends. Since credit card has been being convenient for shopping, it tends to lure people to buy random items without paying for it right away.

Layaway plans could trick people who do not pay attention to their expenditure and keep a day book of their daily spending. Then, once the bill all come, people who overspent would easily in debt after they have a picture of how they have spent in months. Not only can credit cards drive people to buy the unnecessaries or some expensive ones by little amount of down payment, but also trends can stir up people's desire of popular hits. Fancy clothes, shoes, watches, and so on, especially some of which are endorsed by celebrities, are the blames for the debts from shopping blindly.

In my opinion, the best way to avoid any of these from happening is to figure out an arrangement plan for the money we earn by hard working, to know it clearly what's the mandatory items to buy and to set up a budget for monthly spending. Most important of all, think at least twice before we buy anything in shops or when we are about to click the payment button on computer.

To sum up, since we can't totally escape from credit card and commercials back up by celebrities, we need to pay attention of our spending habit. Therefore, we can uproot some bad expenditure habit and avoid from having debts by knowing where exactly did our money go.

Writing Feedback / What measures can governments take to discourage people from using their cars? - IELTS [3]

Hello eveybody!!
I am new here. So glad i found this website! This is a self study exercise of IELTS. I would be appreciate you very much for helping me improve my essay. you are so kind and you surely will have a good day! Thank you!

here comes the topic:
Car ownership has increased ro rapidly over the past thirty years that many cities in the world are now"one big traffic jam".

how true do you think this statement is?
what measures can governments take to discourage people from using their cars?
here is my essay:

With more and more people owning cars over the past three decades, statement has been made that there are more traffic jams taking place in cities. To some degree, I agree with the statement.

During rush hours, big traffic jams do happen, especially in big cities such as Taipei. Over the past thirty years, traffic congestion in Taipei is composed not simply just by cars, but also by buses and scooters. Thus, the single fact of tremendous cars cannot be viewed as a single direct cause of traffic jams. Traffic jam has become a combinative result of increasing population and multiple kinds of transportation.

As for what the government can help to reduce the frequent rate of traffic jams, is probably to take some new policies. For example, the government can replan the transportation routes, making the roads and land more useful, matching citizen's expectation such as adding new roads, taking off abandoned ones. To prevent people from owning more cars, increasing car taxes might be a good way to solve it. Also, the government can propagate the direct results of traffic congestion about how it can make influence on our daily lives such as air pollutions.

Another thing the government can do is to lower the price of housing, which might benefit lots of commuters. Thus, by cutting down the time spent on transportation, traffic jams could get eased. Besides, the government can give public transportation takers or the bus companies some extra perks to encourage the trend.

To conclude, although cars are more common than thirty years ago, traffic congestion should be able to be eased if the government takes proper policies to replan its urban outlay and other appropriate rules to attract people to use public transportation facilities instead of their own cars.