IELTS Writing task 1: debts

A great number of people face the problem of getting into debt, because they purchase things that are not essential and they can't afford. Sometimes they spend everything they have earned to buy a bag, or they ask for a huge loan from a bank only because they want to buy a new car or so. I believe there are several reasons that can explain this behavior, it depends on people: some are convinced those objects can provide happiness and some would probably like to lead a wealthier life, others may be concerned about what their acquaintances' may think. The only aspect which is clear is that some measures must be taken in order to prevent people from ruining their lives.
Firstly, from my point of view it is fundamental to explain people that most of time material objects can't supply happiness. If they understand this, they will probably stop wasting their money on things they don't need.
Secondly, it is also necessary that people learn how to be more responsible. In particular, it is important to check carefully on our finances and to think about the consequences of our actions.
Furthermore, in my opinion it may be useful to show some examples of people who destroyed their lives by exaggerate with shopping: not because I want to scare people, but because I think that understanding their condition and pain will serve as a deterrent.
To conclude, I hope schools, governments and public institutions, as well as friends and family will manage to prevent people from behave like this because it is becoming a serious problem which, unluckily is still underestimated.