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It has become very common for people to borrow money. Most people have a credit card, a mortgage and öften they will buy a car on credit as well. Is this a good idea or is it too riske? Discuss both views and give your own opinion. v.3

It has become very common for people to borrow money. Most people have a credit card, a mortgage and öften they will buy a car on credit as well. Is this a good idea or is it too riske? v. 3
Nowadays, many people have credit cards, mortgages, and loans. Many people believe that taking things on credit is acceptable and it's a good idea. And others, on the contrary, believe the opposite, that this is not the best thing that a person should do. In this essay, I will discuss the two sides and describe my opinion. People who have credit cards believe that this would make their lives easier. First, it can take off their stress, so they think they can not worry that they have no money with them, since they always have a credit card with them. They can always easily pay for all their expenses. They do not have to wait, companies provide the best service in the shortest possible time. On the other hand, the decision to have credit cards has its negative drawbacks. First, when people buy things using a credit card, they may incur expenses, as they will be charged a percentage. To pay off your account or mortgage, with which people take money on credit for their expenses, people will have to pay a large amount, as an interest fee is charged. This can make people uncomfortable, as they will have to pay off loans over a long period. In the course of this, it can lead people to devalue everything. In conclusion, I would like to say that both sides have their pros and cons. Based on the two descriptions provided, I would like to provide my opinion. I believe that having loans, loans, mortgages is not the best thing, for me it has negative sides. People spend their time and money on the most efficient loan repayments. Also, credit cards can charge deposits, which can also lead to misunderstandings between people.
Nowadays,
This phrase/word is too simple and can be replaced with:
many
You use this word too often, consider replacing it with
people
have
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
, mortgages, and
You use this word too often, consider replacing it with
loans
.
This phrase/word is too simple and can be replaced with:
Many
You use this word too often, consider replacing it with
people
You use this word too often, consider replacing it with
believe
that taking things on
You use this word too often, consider replacing it with
credit
is acceptable and it's a
This phrase/word (depending on the context) can be potentially replaced with :
good
This phrase/word (depending on the context) can be potentially replaced with :
idea
.
This phrase/word is too simple and can be replaced with:
And others
,
on the contrary
,
You use this word too often, consider replacing it with
believe
the opposite, that this is not the best thing that a person should do. In this essay, I will discuss the two sides and
This phrase/word (depending on the context) can be potentially replaced with :
describe
my opinion.

This phrase/word (depending on the context) can be potentially replaced with :
People
who have
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
You use this word too often, consider replacing it with
believe
that this would
This phrase/word (depending on the context) can be potentially replaced with :
make
their
This phrase/word (depending on the context) can be potentially replaced with :
lives
easier.
First
, it can take off their
This phrase/word (depending on the context) can be potentially replaced with :
stress
,
This phrase/word is too simple and can be replaced with:
so
they
This phrase/word (depending on the context) can be potentially replaced with :
think
they can not worry that they have no money with them, since they always have a
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
with them. They can always
easily
You use this word too often, consider replacing it with
pay
for all their expenses. They do not
This phrase/word is too simple and can be replaced with:
have to
wait,
This phrase/word (depending on the context) can be potentially replaced with :
companies
provide the best service in the shortest possible time.

On the other hand
, the decision to have
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
has its
This phrase/word is too simple and can be replaced with:
negative
drawbacks.
First
, when
You use this word too often, consider replacing it with
people
This phrase/word (depending on the context) can be potentially replaced with :
buy
things using a
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
, they may incur expenses, as they will
be charged
a percentage.

To
You use this word too often, consider replacing it with
pay
off your account or mortgage, with which
You use this word too often, consider replacing it with
people
take money on
You use this word too often, consider replacing it with
credit
for their expenses,
You use this word too often, consider replacing it with
people
will
This phrase/word is too simple and can be replaced with:
have to
You use this word too often, consider replacing it with
pay
a large amount, as an interest fee
is charged
. This can
This phrase/word (depending on the context) can be potentially replaced with :
make
You use this word too often, consider replacing it with
people
uncomfortable, as they will
This phrase/word is too simple and can be replaced with:
have to
You use this word too often, consider replacing it with
pay
off
You use this word too often, consider replacing it with
loans
over a long period. In the course of this, it can lead
You use this word too often, consider replacing it with
people
to devalue everything.

In conclusion
, I would like to say that both sides have their pros and cons.

Based on the two descriptions provided, I would like to provide my opinion. I
You use this word too often, consider replacing it with
believe
that having
You use this word too often, consider replacing it with
loans
,
You use this word too often, consider replacing it with
loans
, mortgages is not the best thing, for me it has
This phrase/word is too simple and can be replaced with:
negative
sides.
You use this word too often, consider replacing it with
People
spend their time and money on the most efficient
You use this word too often, consider replacing it with
loan
repayments.
Also
,
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
can charge deposits, which can
also
lead to misunderstandings between
You use this word too often, consider replacing it with
people
.
7Linking words, meeting the goal of 7 or more
36Repeated words, meeting the goal of 3 or fewer
0Mistakes
Language comes first. It’s not that language grows out of consciousness, if you haven’t got language, you can’t be conscious.
Alan Moore

IELTS essay It has become very common for people to borrow money. Most people have a credit card, a mortgage and öften they will buy a car on credit as well. Is this a good idea or is it too riske? v. 3

Essay
  American English
6 paragraphs
291 words
6
Overall Band Score
Coherence and Cohesion: 5.5
  • Structure your answers in logical paragraphs
  • ?
    One main idea per paragraph
  • Include an introduction and conclusion
  • Support main points with an explanation and then an example
  • Use cohesive linking words accurately and appropriately
  • Vary your linking phrases using synonyms
Lexical Resource: 5.5
  • Try to vary your vocabulary using accurate synonyms
  • Use less common question specific words that accurately convey meaning
  • Check your work for spelling and word formation mistakes
Grammatical Range: 6.5
  • Use a variety of complex and simple sentences
  • Check your writing for errors
Task Achievement: 6.0
  • Answer all parts of the question
  • ?
    Present relevant ideas
  • Fully explain these ideas
  • Support ideas with relevant, specific examples
Labels Descriptions
  • ?
    Currently is not available
  • Meet the criteria
  • Doesn't meet the criteria
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