IELTS Free Online Writing Practice

Engaging in regular IELTS writing practice is crucial for honing language proficiency, enhancing coherence, and mastering task achievement, ultimately maximizing performance in the IELTS exam.

IELTS Free Online Writing Practice - Is it important students to learn about personal finance and budgeting?

IELTS.WORK Free Online Writing Practice # 1712242920

Topic: "Is it important for students to learn about personal finance and budgeting?"


Model Answer:
In today's world, financial literacy is becoming increasingly crucial, especially with the rise of digital payment systems and online banking. It is essential that schools incorporate personal finance education into their curriculum to equip students with the necessary skills and knowledge to manage their finances responsibly. While some argue that this should not be a priority, the benefits of learning about personal finance and budgeting are immense, both for individuals and society as a whole.

Firstly, financial literacy helps individuals make informed decisions regarding their expenditures, savings, and investments. With proper knowledge of budgeting, students can avoid falling into debt and learn to save for future expenses such as education, retirement, or even emergencies. This not only contributes to a financially stable society but also reduces the burden on government welfare systems.

Secondly, learning about personal finance at an early age instills responsible financial habits that can last a lifetime. For example, understanding the concept of interest rates and compounding can encourage students to save more money for their future goals. Moreover, knowledge about credit cards, loans, and insurance can help them make wise choices when it comes to borrowing money or taking out insurance policies.

Lastly, financial literacy has been linked to a higher quality of life. Financially literate individuals are less likely to face financial stress and are more capable of making sound decisions that impact not only their lives but also the economy as a whole.

In conclusion, it is undeniable that teaching personal finance and budgeting in schools is of utmost importance. Not only does this education empower students with the skills necessary to navigate the complex world of finances, but it also contributes to the overall stability and prosperity of society.

Score: Task Response - 9, Coherence & Cohesion - 8, Lexical Resource - 7, Grammatical Range & Accuracy - 8. Total: 32/40 (Band 7.5)

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