IELTS Writing Samples

Response: It is a common belief that saving money would be beneficial for every individual including younger generations. People who side with this idea, often fear rainy days, such as sudden illnesses or natural incidents that their occurrence is impossible to predict. In this essay, I will discuss my disagreement towards laying money aside and argue why I believe that this type of financial behavior is an impractical piece of advice, considering inflation in today’s global economy. Back in the day, Generation Z were encouraged to put their spare change in piggy banks. Nowadays, people from this generation who just started their professional journey disapprove of saving for their future. They use their income on short trips, buying fancy items and et cetra; which is due to witnessing money losing its value over time. In fact, younger generations realized that no matter how much money they save throughout a year, as time passes, the amount of laid money is not as valuable as it was last year. Consequently, Generation z decided to use their cash for shot-term purposes. In addition, a practical solution would be creating an investing portfolio as advised by many economists. If circumstances are right and the investment does not fail, it is likely that investors not only overcome inflation, but also take a noticeable profit. Moreover, upon unfortunate events, individuals can stop investment and take their money back. In conclusion, laying money aside has been proved to disappoint younger generations because of the value of the money which decreases, yearly. Although many still insist on saving for the future, there are better alternatives to overcome financial problems, which are far more profitable than saving it. Furthuremore, I firmly believe investmet must be taken more seriously rather than saving.

Response: It is argued that everyone should save money for the future and young people are no exception. I firmly agree with this idea since saving money brings several rewarding effects, including teching the way of saving money and prevention young people from facing financial problems. What makes save money for their future of young people vital is that they have the chance to gain several financial experiments. In other words, they might have not massive responsibilities as many as their old ones, resulting in they have the chance to try several ways in order to save money. By way of example, technology gives opportunties to young people to save their money in several ways, such as buying gold and bitcoins. It is highly possible that they lose thier money; however, they might learn what the most reliable way for saving money is, and they might not take risks when they become older. Therefore, This approach not only provides financial stabilities in the long term , but also teaches countless various financial skills. Moreover, young people will tend to live independently in the future. This means that, while their parents might support them financially when they live with their parents, when they decide to live alone, it is highly possible that their parents cannot support them, and if they did not save money, they would face several financial problems such as going bankrupt. Hence, saving money enables them to live independently in the future. In conclusion, I support the idea since it not only provides the opportunity to young people to learn about various ways of saving money, but also prevents them form potential financial issues in the future.

Response: It is argued that all individuals including youngsters should save money for their future. I agree with this idea as it can contribute significantly to empower their economic status and it can serve as a reliable source for their retirement period. To begin with, investments starting at an early age would enable younger individuals to improve their economic status. That is to say, allocated money for investments can be utilized to actively participate in starting a business which could be used to develop a sustainable income and gain more money. Additionally, it can be a reliable source in case of any economic crisis, in the world of uncertainties. For instance, in 2008, the whole world suffered from an economic problem that happened globally that notably affected many individuals, having such habits like saving money can protect them while facing financial issues; therefore, it can be highly recommended that young people practice such habits as it can relieve their financial burden. Moreover, many individuals struggle with providing their basic needs in their retirement period, such as health. It is predictable that most of the elderly would not be able to work and make money, considering this factor and also lack of proper health insurance in many countries, it can be a perfect idea to save money to be used in their old-age. Lots of elderly who are suffering from serious disease like cancer requiring surgical treatment which is costly, depend on their savings to treat their conditions. For example, in USA, insurance does not cover many diseases and people should pay themselves, in the presence of ineffective healthcare networks and lack of proper cooperation of insurance companies, many of them die without having the chance to seek for treatment. Ton conclude, investing money not only can have positive impact on individual's economic status but also, is known as a reliable source which could be used for their future health problems.

Response: It is argued that all individuals including youngsters should save money for their future. I agree with this idea as it can contribute significantly to empower their economic status and it can serve as a reliable source for their retirement period. To begin with, investments starting at an early age would enable younger individuals to improve their economic status. That is to say, allocated money for investments can be utilized to actively participate in starting a business which could be used to develop a sustainable income and gain more money. Additionally, it can be a reliable source in case of any economic crisis, in the world of uncertainties. For instance, in 2008, the whole world suffered from an economic problem that happened globally that notably affected many individuals, having such habits like saving money can protect them while facing financial issues; therefore, it can be highly recommended that young people practice such habits as it can relieve their financial burden. Moreover, many individuals struggle with providing their basic needs in their retirement period, such as health. It is predictable that most of the elderly would not be able to work and make money, considering this factor and also lack of proper health insurance in many countries, it can be a perfect idea to save money to be used in their old-age. Lots of elderly who are suffering from serious disease like cancer requiring surgical treatment which is costly, depend on their savings to treat their conditions. For example, in USA, insurance does not cover many diseases and people should pay themselves, in the presence of ineffective healthcare networks and lack of proper cooperation of insurance companies, many of them die without having the chance to seek for treatment. Ton conclude, investing money not only can have positive impact on individual's economic status but also, is known as a reliable source which could be used for their future health problems.

Response: In recent years, argues revolving around financial issues have become more controversial. It is now newly believe that all individuals from all of the group ages should save money for their future. I find myself among those who fully subscribe this statement due to some rational reasons. Financial literacy should be internalize in children from very early ages in kindergartens and schools. Money-saving is considered to be among these crucial meanings that are requiered to be taught. In this way, children completely comprehend if they save money, they will reach their desired goals much easily. As a result, people might save money for their future goals and targets they endeavour to achieve. Trying to spend less and aiming to save for buying a house or a car, go on a trip or some personal staff, for instance, reminds individuals to stick to their dreams although it may be tough. Moreover, there is always a probability for some unexpected events which cannot be prevented. Fires, earthquakes, car accidents or even robberies are among these accidents that are out of our control and may lead to financial losses. Thus, it is logicaly acceptable to save some money for these catastrophies. Therefore, this foresightedness is needed as there is no guarantee for what will happen in the future. This saving money can also contribute to limiting the extra expenses that only impose additional costs on the budget. So, people compel to prohibit themselves from allocating a huge amount of money to purchasing a piece of equipment which they are aware will remain useless. To recapitulate what has been discussed above, from my standpoint it is completely reasonable to accept all of the people should save money from the present since some unexpected accidents which impose considerable losses cannot be prevented. Moreover, this attitude learns both youngsters and elderly to avoid wasting money to reach their achievements.

Response: Some individuals claim that all people, including the youth, should set aside money for their coming years. I completely agree with this viewpoint for three main reasons, including preparing for unforeseen challenges. There is no question that there are a lot of challenges which can occur in individuals' lives, needing considerable sums of money to be overcome. Take transplants as an obvious example; if people encounter organ failures, such as lung, heart, or kidney failure, they should pay a significant amount of money to modern medical centers for surgery. Possessing adequate money for establishing a business is another area of concern. I strongly believe that individuals, especially young people, should save money for their future when they want to launch their own business. Some people argue that youngsters should enjoy their lives and live in the moment, so saving money is not a necessary for them. However, I firmly believe that establishing a business requires a great deal of money, so people should set aside money for some years to afford this expense. Having a business plays an important role in people's lives, providing them with the opportunity to earn adequate money to meet their needs. Finally, the most significant reason for saving money is preparing for retirement. Unquestionably, a large number of individuals will face this phase of life in the coming years when they will no longer be able to work and earn money. Therefore, people should set aside an adequate amount of money for their retirement, providing themselves with the ability to meet their needs. In conclusion, it is my firm belief that individuals, specifically young people, should set aside money for their future. This activity provides them with the opportunity to overcome challenges and establish their own businesses.

Response: Some individuals claim that all people, including the youth, should set aside money for their coming years. I completely agree with this viewpoint for some reasons, including preparing for unforeseen challenges. There is no question that, there are a lot of challenges which can occur in individuals' lives, needing considerable sums of money to be overcome. Take transplants as an obvious example; if people encounter organ failures, such as lung, heart, or kidney failure, they should pay a significant amount of money to modern medical centers for surgery. Possessing adequate money for establishing business is another area of concern. I strongly believe that individuals, especially young people, should save money for their future when they want to launch their own business. Some people argue that youngsters should enjoy their lives and live in the moment, so saving money is not a necessary for them. However, I firmly believe that establishing a business requires a great deal of money, so people should set aside money for some years to can afford this expense. Having a business play an important role in people's lives, as provides them with the opportunity to earn adequate money to meet their needs. Finally, the most significant reason for saving money is preparing for retirement. Unquestionably, a large number of individuals will face this phase of live in the coming years when they no longer be able to work and earn money. Therefore, people should set aside an adequate amount of money for their retirement, providing themselves with the ability to meet their needs. In conclusion, it is my firm belief that individuals specifically young people should set aside money for their future. This activity provides them with the opportunity to overcome challenges and establish their own businesses.

Response: There has been a controversial view that claims individuals should save money for their future. While some people are not coincide with this standpoint, I strongly agree with those who believe that all people especially youngesters should set aside money for their future for three main reasons. Firstly, saving money can equip people with the ability to overcome challenges, as there is a lot of things that could go wrong. While I concede that individuals, including the young, are deserve to enjoy life, preparing for dealing with financial problems is more important. Take cost of modern hospitals as an apparent example; if people faced with an organ failure, such as heart, lung, and kidney failure, they would hvae to pay a considerable sums for transpalent. Unfortunantly, these patients cannot resume a normal life if they have not adequate saivings. Secondly, I believe that youngesters should save money for their future, when they want to stablish their own business. It could be argued that people should live in the moment; however, I firmly believe that if the young did not save adequate money for their future, they would not be able to set their own business and have to work for someone else. Launching a business requires an enough investigation, but saving money can provide young people with the opportunity to afford this ependiture. Finally, having a confortable living condition in the period of retirement is another reason. I believe that the most significant reason for saving money for people and youngesters is preparing for their retirement. Unquestionably, most retires do not have the abiliy to work more for meeting their needs. Consequently, if people set aside adequate money for that time, they would be able to afford their necessities. In conclusion, although some people assert that individuals should live in moment, and it is not nessesary to save maney, I firmly agree with those who believe that all individuals,, including the young, should save money for stablishing a business and overcoming problems in the future.

Response: There is an opinion asserting that individuals, particularly youngsters, should save money for their future life. I completely agree with the given statement on the basis of several compelling reasons. Saving money is important for individuals, as it may be required in unexpected occasions in life. To begin with, the money which has been gradually saved over several years, may be consumed to provide financial venue for times of need. That is, unexpected life events requiring immediate access to a sufficient financial supply are possible to happen in everyone’s life. An example of this is road traffic accidents, in which individuals may encounter severe personal or vehicle damages necessitating a great deal of expenditure to repair their damaged vehicles or provide medical care. Having an adequate amount of saved money, individuals might be able to overcome these challenges with less long-term repercussions. Another reason justifying the idea of saving money by individuals, particularly the young population, is that this approach is fundamental to achieving personal and professional goals. Continuing education at advanced academic levels usually requires a sophisticated financial support to facilitate buying educational materials, such as books, and ensure appropriate accommodation facilities. It is further highlighted by the fact that many college students are not allowed to participate in temporary off-campus work to earn money. Therefore,when individuals save their money over a period of years, they may use this saving to cover their life expenses during education. Moreover, some careers such as business, require an ongoing means of finance to ensure stability and success. If people are encouraged to save their money from the beginning of their career, they will be able to develop their business corporation and make significant profits through investing a portion of their saved money in various venues. This would facilitate the overall growth of their company. In conclusion, individuals particularly young people should be motivated to save their money for future life events. It is my firm conviction that personal and professional development requires a sufficient amount of money, which is possibly maintained from the saved amount of money over several years. Additionally, having adequate financial savings provides support for individuals in cases of unforessen life situations, such as accidents.

Response: In modern times, deposit and money management are one of the important skills for every one including young people to secure rheir future. Some people argue that people should learn to live in moment and enjoy it with out just thinking about future. While, some other people believe that saving money can give discipline in personal and prefesional lives of young people. I agree to some extants with the latter viewpoint, and in this essay I will support my opinion with examples. From one perspective, it is argued by some that saving money and thinking about future can cause losing now, because if people tend to just thinke about future and save mony for it they can become anxious. As a result, people specialy youngest should learn how to live in the moment. A resent study conducted by Cambridge university shows that when people are futuristic and save money for catastrophic incedents, their brine starts the stress metabolic in humen bodys that can cause several reaction on people's cell specially it can increase risk of cardiovascular disease, as a consequent, it not only can cause anxiousness, but also can incrase risk of several biological diseases. On the flip side, many people holed the view that desposit and mony management are significant effects on future of people, because these skills can give discipline to young people which have undeniable roles in their success. Meanwhile, saving mony for future can help them to deal with unpredictable incident in future. As a result, these skills can increase the probability of their success and gives them a safe future. A tangible example of this is Japan, where the governments have invested on thiching young people about money management and increasing their awerness about the considerable effects of it in their future success, so a growing number of japaneses have remarkebel discipline in their personal and prefesional lives. All things considered, dispet the fact that being futuristic and save money for it can increase peoples stress level, it has a substantial roles on peoples success with improvement of their discibline. Personaly, I agree with the saving money, but if pople can management their strese, which became from futuristic, saving money can have significant benefit for them.