Some people would borrow money to buy things they need. Others would save up money until they can afford it. Which would you do and why?

18 in 30

More content wanted. Don't need a conclusion.

The content is not well organized. Try this pattern for Q1-Q2:

first 1-2 sentences: introduction. my opinion: A or B. agree or disagree. about 5-10 seconds

First, reason 1 (1 sentence) + why reason 1 (some arguments. 1-2 sentence) + a small conclusion for reason 1(like advantages of reason 1 or comparisons if not reason 1, 1-2 sentence). // about 15 seconds

Second, reason 2 (1 sentence) + why reason 2 (some arguments. 1-2 sentence) + a small conclusion for reason 2(like advantages of reason 2 or comparisons if not reason 2, 1-2 sentence). // about 15 seconds

Conclusion: Don't need a conclusion. (you can have one only when you don't have something to talk about)

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An example (Eating at home or restaurant) for First:
First,reason 1 (1 sentence: Eating at home can save money) + why reason 1(some arguments. 1-2 sentences: I can prepare cheaper food from food market; I don't need to drive or take a bus to reach the restaurant;) + small conclusions ( 1-2 sentences: with the money I saved, I can buy a good book to read; I can use the money for a trip...).

Listen and follow top users:
http://testbig.com/users/aschocolate
http://testbig.com/users/xiaoyangyangyangyang
http://www.testbig.com/users/ioanap

and more:
http://testbig.com/speaking-category/toefl-speaking
Try this pattern for Q1-Q2:

first 1-2 sentences: introduction. my opinion: A or B. agree or disagree. about 5-10 seconds

First, reason 1 (1 sentence) + why reason 1 (some arguments. 1-2 sentence) + a small conclusion for reason 1(like advantages of reason 1 or comparisons if not reason 1, 1-2 sentence). // about 15 seconds

Second, reason 2 (1 sentence) + why reason 2 (some arguments. 1-2 sentence) + a small conclusion for reason 2(like advantages of reason 2 or comparisons if not reason 2, 1-2 sentence). // about 15 seconds

Conclusion: Don't need a conclusion. (you can have one only when you don't have something to talk about)

-----------------------------------------
An example (Eating at home or restaurant) for First:
First,reason 1 (1 sentence: Eating at home can save money) + why reason 1(some arguments. 1-2 sentences: I can prepare cheaper food from food market; I don't need to drive or take a bus to reach the restaurant;) + small conclusions ( 1-2 sentences: with the money I saved, I can buy a good book to read; I can use the money for a trip...).

Listen and follow top users:
http://testbig.com/users/aschocolate
http://testbig.com/users/xiaoyangyangyangyang
http://www.testbig.com/users/ioanap

and more:
http://testbig.com/speaking-category/toefl-speaking