Giải Đề IELTS Writing Task 2 Forecast: Bài Mẫu Band 8 Chủ Đề Tiền Bạc

“Many people are spending their money rather than saving it. Is this a positive or negative trend?”

In many societies today, a growing number of people choose to spend their earnings immediately instead of putting money aside for the future. In my view, while this behaviour can occasionally stimulate the economy, it is on the whole a negative trend, both for individuals and for society.

Admittedly, higher spending does bring certain benefits. When consumers purchase goods and services freely, businesses enjoy stronger demand, which can create jobs and drive economic growth. On a personal level, spending on meaningful experiences such as travel or education may also enrich people’s lives in ways that a bank balance cannot.

Nevertheless, the drawbacks of a spend-now culture are more significant. Individuals who fail to save leave themselves financially vulnerable; without a safety net, an unexpected event such as illness or job loss can quickly push them into debt. This is particularly worrying given rising living costs and uncertain economic conditions. Moreover, a widespread reluctance to save can harm society as a whole: when few people accumulate savings, banks have less capital to lend, and governments may face greater pressure to support those who have made no provision for retirement or emergencies.

For these reasons, I believe the habit of spending rather than saving is a worrying development. A more balanced approach — enjoying a reasonable portion of one’s income while consistently setting money aside — would leave both individuals and the wider economy far more secure.

In conclusion, although free spending can offer short-term enjoyment and economic stimulation, its long-term risks outweigh these advantages, making it a largely negative trend.

Mở bài nêu rõ nghiêng về positive hay negative. Body 1 công nhận phía kia (Admittedly…). Body 2 lập luận phía BẠN CHỌN, mạnh hơn, có ví dụ. Kết bài cân đo và khẳng định lại. Đừng để bài “50-50” không rõ lập trường – đó là lỗi tụt band phổ biến.