Some people get into debt by buying things they don't need and can't afford.
What are the reasons for this behavior? What actions can be taken to prevent people from having this problem?
A few individuals are prone to living an extravagant lifestyle and hence tend to purchase unwanted things that are overpriced for them. This habit leads them into owing huge liabilities to their financiers. one of the reasons for this behavior could be to keep up with the luxurious lifestyle, like that of their social circle. A possible solution to protecting these people from such indebtedness could be to allow only a certain credit limit depending on their monthly income.
Leading an expensive lifestyle is a personal choice and preference for many individuals. Although not everyone can afford it, some people, despite their financial limitations, choose to spend wastefully. The cause for such behavior is social pressure; these individuals fear being left out of their social circle, hence tend to match up with the lifestyles of their peers and community. In other words, people think that by living a luxurious lifestyle, they will be easily accepted into the community of their rich friends. For example, in Dubai, one of the most expensive cities in the UAE, approximately 50% of expatriates use credit cards for their daily expenses and entertainment purposes. The reason behind this habit is to match up with the luxurious lifestyle of their well-off friends.
One of the many measures that could be initiated by the government is to assign a set limit of the credit amount available to these individuals. That is to say, that specific amount limits tailored to such individuals' needs would be available on a credit basis, hence, making it difficult for them to spend unnecessarily from their basic salaries. Doing so will allow these individuals to keep their liabilities within a reasonable limit, which can then be paid back through their regular incomes. For instance, certain nonprofit credit unions; allow individuals only with a particular minimum salary amount to apply for credit cards, thus, preventing them from overburdening themselves with huge debts.
Over spenders tend to become indebted more often because of their fondness to purchase unnecessary items. They fall into this habit of thriftless spending just to fit into a higher social class than themselves. One way to break this habit could be to allow these individuals to only borrow a specified credit limit from their financiers, hence, limiting them from overspending and thus managing their expenses more carefully.
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Grammar and spelling errors:
Line 1, column 208, Rule ID: UPPERCASE_SENTENCE_START
Message: This sentence does not start with an uppercase letter
Suggestion: One
...g huge liabilities to their financiers. one of the reasons for this behavior could ...
^^^
Transition Words or Phrases used:
hence, if, so, then, thus, well, for example, for instance, in other words, that is to say
Attributes: Values AverageValues Percentages(Values/AverageValues)% => Comments
Performance on Part of Speech:
To be verbs : 15.0 13.1623246493 114% => OK
Auxiliary verbs: 9.0 7.85571142285 115% => OK
Conjunction : 5.0 10.4138276553 48% => More conjunction wanted.
Relative clauses : 7.0 7.30460921844 96% => OK
Pronoun: 42.0 24.0651302605 175% => Less pronouns wanted
Preposition: 65.0 41.998997996 155% => OK
Nominalization: 5.0 8.3376753507 60% => More nominalizations (nouns with a suffix like: tion ment ence ance) wanted.
Performance on vocabulary words:
No of characters: 2027.0 1615.20841683 125% => OK
No of words: 386.0 315.596192385 122% => OK
Chars per words: 5.25129533679 5.12529762239 102% => OK
Fourth root words length: 4.43248042346 4.20363070211 105% => OK
Word Length SD: 2.79084331536 2.80592935109 99% => OK
Unique words: 199.0 176.041082164 113% => OK
Unique words percentage: 0.515544041451 0.561755894193 92% => More unique words wanted or less content wanted.
syllable_count: 632.7 506.74238477 125% => OK
avg_syllables_per_word: 1.6 1.60771543086 100% => OK
A sentence (or a clause, phrase) starts by:
Pronoun: 6.0 5.43587174349 110% => OK
Article: 4.0 2.52805611222 158% => OK
Subordination: 1.0 2.10420841683 48% => OK
Conjunction: 0.0 0.809619238477 0% => OK
Preposition: 5.0 4.76152304609 105% => OK
Performance on sentences:
How many sentences: 17.0 16.0721442886 106% => OK
Sentence length: 22.0 20.2975951904 108% => OK
Sentence length SD: 41.5283285978 49.4020404114 84% => OK
Chars per sentence: 119.235294118 106.682146367 112% => OK
Words per sentence: 22.7058823529 20.7667163134 109% => OK
Discourse Markers: 5.29411764706 7.06120827912 75% => OK
Paragraphs: 4.0 4.38176352705 91% => OK
Language errors: 1.0 5.01903807615 20% => OK
Sentences with positive sentiment : 13.0 8.67935871743 150% => OK
Sentences with negative sentiment : 2.0 3.9879759519 50% => More negative sentences wanted.
Sentences with neutral sentiment: 2.0 3.4128256513 59% => OK
What are sentences with positive/Negative/neutral sentiment?
Coherence and Cohesion:
Essay topic to essay body coherence: 0.190400528174 0.244688304435 78% => OK
Sentence topic coherence: 0.0703249751457 0.084324248473 83% => OK
Sentence topic coherence SD: 0.0364971613585 0.0667982634062 55% => OK
Paragraph topic coherence: 0.132010621238 0.151304729494 87% => OK
Paragraph topic coherence SD: 0.0289685075396 0.056905535591 51% => OK
Essay readability:
automated_readability_index: 14.7 13.0946893788 112% => OK
flesch_reading_ease: 49.15 50.2224549098 98% => OK
smog_index: 11.2 7.44779559118 150% => OK
flesch_kincaid_grade: 11.9 11.3001002004 105% => OK
coleman_liau_index: 13.47 12.4159519038 108% => OK
dale_chall_readability_score: 8.53 8.58950901804 99% => OK
difficult_words: 93.0 78.4519038076 119% => OK
linsear_write_formula: 9.0 9.78957915832 92% => OK
gunning_fog: 10.8 10.1190380762 107% => OK
text_standard: 11.0 10.7795591182 102% => OK
What are above readability scores?
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Rates: 73.0337078652 out of 100
Scores by essay e-grader: 6.5 Out of 9
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Note: the e-grader does NOT examine the meaning of words and ideas. VIP users will receive further evaluations by advanced module of e-grader and human graders.