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Excessive shopping leads to debt - causes and solutions.


RAY93 35 / 186 136  
Apr 6, 2016   #1
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?


To shop or purchase goods is a pleasure activity for majority of people. Unfortunately, in some cases, consumers end up to buy items that they actually don't need and even don't affordable for them then lead to financial crisis and debt. I believe that the consumptive life styles as well as easiness offer to buy by e-commerce trends are the main reasons for this phenomenon. However, a well-managed finance introduced to society and advanced standard for credit card holder would plausibly help people to avoid this issue.

In this modern era, it is a generally accepted that societies, particularly those who live in urban area, are suffering from consumptive and hedonism way of life. They tend to shop easily and often without consider the purpose and the cost of products they taken. It doesn't even problem since they can transact without cash money as most of them having credit card. Of course in this scenario, advertisement also plays an important role to persuade them purchasing goods whether or not is essential and affordable for them. In addition, e-commerce, or online shopping also a predominant factor of people behaviour to extravagantly shopping because it is offer easiness for buyers to pick items from list on the fascinating online shops then order and just wait until it delivers to their accommodation with no need for them to leave their activities or business. This obviously helpful for them who have not enough time to directly go to retails but have desires to purchase. As the consequence, as easy to buy things as less concern they are about the payment which then arise trouble when they chained by a great debt.

Nevertheless, I would argue that if citizens get information and education about finance management they would carefully arrange their budget on unnecessary shopping. Thus better if they take the assistance from finance adviser or firm so that they can step by step reduce their consumptive behaviour. Another important to concern is the using of credit card. As now most people use this as their main payment method, bank should strict the regulation and standard to their client so that those who utilize it are surely those who have a stable finance and able to pay the bills. By this, excessive purchasing of users would no longer a problem as they can afford the credit payment.

In sum, I believe that the trend of online shopping and consumptive lifestyle as the reason why people tend to buy goods that are unnecessary and unaffordable for them. However, good finance managing and restriction on credit card using are possible as the measures to tackle this.
Hadiyati Fudla 9 / 14 3  
Apr 6, 2016   #2
Hi Ray! Incredible writing. I learn many new vocabulary from yours. Yet let me try to give some perspectives.

1. To fulfill this writing as a task-2-writing-ielts, 439 words is too bulky. I fear that you will need more than 40 minutes to make it.

2. To shop or purchase (just use one term, in order you can use it to make a paraphrase in the next paragraph) goods is a pleasure activity for majority of people.

3. I believe that the consumptive life styles(lifestyle) as well as easiness offer to buy by e-commerce ...
ichanpants89 [Contributor] 16 / 777 309  
Apr 6, 2016   #3
Ray, I like the way you deliver your ideas, it seems very smooth and clear. However, don't you think that 439 words is too much? It will be a time-consuming process if you do this in a real test in which your TASK 1 time will be sacrificed. As I can notice here, I found some mistakes concerning to some punctuation, and few grammatical errors. For me, when I read this essay, it seems like I listen to someone's presentation or explanation, which means your essay is more speaking-like rather than writing-like. But, somehow, your lexical range is impressive. This becomes your plus point in writing due to high consideration which will be taken from this aspect. Then, for a breakdown of your grammatical errors, with corrections applied.


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