IELTS Writing Task 2 Money and consumerism Essay Topics

Position

Agree for one-click credit on ordinary shopping, where the lender profits if the buyer does not clear the balance. Disagree that every loan is the same. A checked loan for a necessary repair is a different instrument.

Body paragraph 1

Point

A button that splits a pair of shoes into four payments removes the pause in which a person used to put the shoes back.

Explanation

The ease is the product. The lender earns fees when the pause is skipped and the balance rolls. Calling this "access" ignores who designed the speed. For a household already close to the month’s limit, the button is how a want becomes a debt before the bus home.

Example

A checkout that offered four payments as the default, with the total interest one screen further on, after the buyer had already felt the purchase was done.

Body paragraph 2

Point

A loan that is explained, limited, and tied to a necessary cost — a boiler, a season ticket to work — is not the same ease.

Explanation

The extent matters. Banning credit because the button is abusive would also ban the repair a renter cannot fund on Thursday. The abuse is unsecured, instant, retail credit with a default of "yes". A slowed decision and a visible total are the fix. A moral ban on borrowing is not.

Example

A boiler loan with the full cost on the first page and a day to sign, set beside a fashion checkout that assumed four payments unless the buyer searched for a way to pay in full.

Conclusion

Slow the retail button and show the total first. Do not treat every use of credit as the same mistake.

Position

A small unconditional sum teaches a budget. Paying for every household chore teaches an invoice for membership of the family. Keep a few extra tasks paid, and keep the ordinary clearing-up expected.

Body paragraph 1

Point

An allowance that arrives anyway lets a child waste a small amount and feel the week run out, which an earned coin never quite teaches.

Explanation

The unconditional view is about practice with a limit. If every coin is a wage, the child learns labour, not allocation. A modest sum, gone by Wednesday because of a sweet, is a cheap lesson. Parents who fear unconditional money often fear waste. The waste of a small fixed sum is the lesson.

Example

A weekly coin that was spent on Monday, with no advance, so the child had to wait and could not renegotiate the household.

Body paragraph 2

Point

Paying for setting the table turns a shared task into a transaction and invites the child to refuse unless the rate rises.

Explanation

The chore view wants work to be real. It misfires when the work is the ordinary life of the house. Extra jobs — a washed car, an afternoon of sorting a shed — can be paid without pricing the table. Children should see that some work is done because the house is theirs.

Example

A family that expected the table to be cleared and paid only for a weekend job that a parent would otherwise have hired out.

Conclusion

Give a small sum with no conditions, expect the ordinary chores, and pay the unusual job. Neither pure view fits the two different lessons.

Position

Renting keeps a person mobile and limits the size of a mistake. It also builds no stake, and it exposes the tenant to a landlord’s notice in a way an owner with a mortgage does not face.

Body paragraph 1

Point

A tenant can leave a city when the job leaves, without selling an asset into a slow market.

Explanation

The advantage is an exit. Buying ties a deposit and a debt to one address. For a worker whose industry moves, that tie is a risk. Rent is the price of being able to go. It is also, at its best, a cap: the loss is the deposit, not a fall in a price you still owe.

Example

A technician who left a rented flat when the plant closed and did not spend a year trying to sell a flat in a town people were leaving.

Body paragraph 2

Point

Years of rent buy no share of the home, and a notice can end the arrangement when a mortgage would still be being paid.

Explanation

The disadvantage is the missing stake and the power of notice. An owner can usually stay if the payments continue. A tenant who has paid as much over a decade can be asked to go because the landlord is selling. In a rising market the owner’s debt shrinks in real terms and the tenant’s rent does not.

Example

A tenant given two months’ notice after a decade of payments, while a neighbour’s mortgage on a similar flat had become cheaper than the new rent.

Conclusion

Rent when you need the exit. Treat it as a disadvantage when the same house could have been a stable payment and the notice is the landlord’s convenience.

Position

The cause is a stack of small automatic payments plus one shock — illness, a cut in hours — that the income was already too tight to absorb. The useful response is an enforced pause on unsecured consumer debts and an advice service that can impose a single payment.

Body paragraph 1

Point

Credit that takes its cut on payday, before rent, leaves a household one lost shift away from a spiral.

Explanation

Each agreement looked affordable alone. Together they prime the month. A shock does not create the problem so much as reveal that there was no slack. Lenders who are paid first have little reason to notice the stack.

Example

A household with four small retail balances leaving on payday, a rent due the next morning, and a week of lost hours after an injury.

Body paragraph 2

Point

Give an independent adviser the power to freeze charges and fold the unsecured debts into one affordable payment, binding on the lenders.

Explanation

Advice without power is a leaflet. The solution has to stop new fees and stop the race to collect. Housing and basic utilities stay outside the freeze so the person is not "helped" into homelessness. Lenders hate a binding plan because the alternative is a fee income. That is why it has to bind.

Example

A single payment set by an adviser, with interest frozen, that left rent and a food budget intact and forced four lenders to share what remained.

Conclusion

Unpayable debt is a stack plus a shock. Freeze the stack, protect the rent, and make the plan bind the lenders who helped build it.

Position

People replace working goods because the new one is sold as an identity and the repair is priced as a punishment. Shops should have to offer a fair repair, and buyers should still be allowed to replace what they simply want.

Body paragraph 1

Point

A working phone is made to feel broken by a launch, a case that no longer fits, and a repair quote close to the price of the new model.

Explanation

The decision is not a mystery of human nature. The advert sets the embarrassment, and the repair desk sets the arithmetic. Clothes follow a shorter version of the same design: a seam that is not worth mending against a rail of cheap replacements. People respond to both cues.

Example

A cracked screen quoted at nearly the price of the successor model, beside a campaign that mocked last year’s shape.

Body paragraph 2

Point

A duty to stock parts and to quote a repair below a set fraction of the new price would make the arithmetic honest, without banning a purchase.

Explanation

Easier repair is a design rule: parts, a published quote, a counter in the shop. It does not require the state to decide when a person may want a new coat. If the repair is fair and people still replace, that is a preference. If they only replace because repair was an insult, the shop chose for them.

Example

A counter that had to offer a screen repair at less than a third of the new price and keep the part for five years.

Conclusion

Replacement is sold and priced into being the rational act. Make repair rational. Leave the remaining purchases to the buyer.

Position

Negative as a requirement. Cards are a positive option for people who want a record and a way to pay without notes. A shop that refuses cash shuts out the person who relies on a note and builds a record of ordinary spending.

Body paragraph 1

Point

A card payment is quicker for many customers and creates a record that helps a dispute.

Explanation

The positive part is the option. A lost receipt is less fatal if the bank has the line. People who are paid into an account already live there. For them, a card-only till is convenient rather than a change of rights. The development is positive while cash remains possible.

Example

A customer who proved a double charge from the bank line, which a lost paper receipt could not have shown.

Body paragraph 2

Point

Refusing the note excludes people who are paid in cash or who budget by what is in the purse, and it makes every small buy a line in a file.

Explanation

An older person, a teenager with a coin, a worker paid in notes: the till that will not take them is a closed door, not an upgrade. The file of coffee and bus fares is also a map of a life, useful to an insurer or an advertiser, which the note did not draw. The negative development is the refusal, not the existence of the card.

Example

A bakery that turned away a pensioner with the exact note, on a street where that shop was the only place selling bread that morning.

Conclusion

Keep cards as a choice. A cashless requirement is a negative development for anyone who lives on a note and for anyone who does not want a file of small purchases.