Understanding the “Borrowing and Lending” Theme in IELTS Speaking
The IELTS Speaking test assesses your ability to communicate effectively in English. The examiner wants to see how well you can express your ideas, opinions, and experiences. Topics like “borrowing money” fall under the broader themes of finances, personal responsibility, and social interactions. Being prepared to discuss this topic can significantly boost your confidence and performance.
Navigating the “Have You Ever Borrowed Money From Others?” Question
This question aims to understand your experiences with financial transactions and your ability to discuss them articulately. Here’s how to approach it:
1. Directly Answer the Question:
- If you have borrowed money: Briefly state “Yes, I have.” Then, elaborate on the situation.
- If you haven’t borrowed money: Be honest. Say “No, I haven’t needed to borrow money.” You can then talk about your approach to finances or share an experience where someone you know borrowed or lent money.
2. Provide Context and Details:
- Who did you borrow from? (e.g., family member, friend, bank)
- Why did you need to borrow? (e.g., unexpected expense, investment opportunity)
- How did you feel about borrowing? (e.g., grateful, a bit uncomfortable)
- How did you repay the loan? (e.g., in installments, on a specific date)
3. Use a Range of Vocabulary:
- Instead of just “borrow,” consider using: lend, loan, owe, debt, repay, interest, financial assistance.
- Describe the situation: urgent, short-term loan, significant amount, financial support.
Financial Support
Example Answer (For someone who has borrowed):
“Yes, I have borrowed money from a close friend a couple of years ago. My laptop, which I used extensively for university work, suddenly broke down. I needed a replacement quickly, and I didn’t have enough savings at that time. My friend was kind enough to lend me the money, and I repaid him in full within a few months.”
Example Answer (For someone who hasn’t borrowed):
“No, I haven’t ever borrowed money from others. I’ve always been quite cautious with my finances and prefer to save up for things I need. However, I know how important it is to have a support system, and I wouldn’t hesitate to help a friend or family member if they were in a difficult financial situation.”
Additional Tips
- Be Prepared for Follow-Up Questions: The examiner might ask you about your views on borrowing, lending between friends, or general financial responsibility.
- Stay Relevant: Keep your answers focused on the question and avoid going off on tangents.
- Be Authentic: Speak naturally and share your genuine experiences.
- Practice Makes Perfect: Rehearse answering this question and similar IELTS Speaking prompts to build your confidence.
By following these tips and practicing regularly, you’ll be well-equipped to tackle any questions related to borrowing and lending on the IELTS Speaking test.