Lesson №7 Writing

OPeople should avoid getting into debt.
CHowever, debts like student loans are necessary.
RTo avoid unnecessary debt, find loans with low interest rates.
The refutation in this example responds to the counterargument by acknowledging that some loans may be necessary. It strengthens the opinion by arguing that too much debt should be avoided.
Handout 3
1You should put as much money as possible in savings. 2On the other hand, it is important to pay off credit card debt before saving money. 3Try to save some money and pay off your credit cards each month.
1Students should be careful not to get into too much debt. 2However, they have to pay for their studies and living costs while at school. 3They should try to find part-time work to help with their costs while studying.
Handout 4
1 Using credit cards is easier than using cash.
2 It is best to divide the cost of group dinners evenly.
3 Owning a house is better than renting an apartment.
4 It is important to take vacations to rest and relax.
5 Buying a car is too expensive, so people should take public transportation instead.
6 If you are on a budget, you should shop at inexpensive clothing stores.
7 People should not take out loans.
8 Staying home on weekends is a good way to save money.
a However, cheaper clothes may wear out more quickly than expensive ones.
b On the other hand, property taxes and home maintenance can cost more.
c However, you should not spend money on a trip if you are in debt.
d On the other hand, buses and trains are often expensive, too.
e However, you should not use credit cards too often.
f On the other hand, it is often necessary to borrow money for school.
g However, this may be unfair to people who choose cheaper meals.
h On the other hand, you could simply spend less on outside entertainment.