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1. Paraphrase the essay title
2. State the question you will discuss
3. A statement of your position
MODEL SENTENCE:
-  However, opinions are divided on whether or not....
- There have been assumptions that...
- I partly agree with this sentiment and this essay will outline my own view.
- In my opinion, the merits of this trend prevail over its downsides.
- In my opinion, ... generates more benefits than drawbacks.
- From my perspective, drawbacks exerted from ... take over the positives.
- I hold a firm belief that this trend may exert more drawbacks than positives.

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- Briefly summarize the main arguments
- Clearly state your opinion
Ex: In conclusion, (personal statement). Granted, (sth you agree), (sth you disagree).

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SAMPLE Introduction + Conclusion
Owing to an acceleration in financial loans occurring in every corner of the world, it has been proposed that financial management should be compulsorily taught at schools with the aim of guiding adolescents to control their spending habits. From my perspective, despite a few limitations that deter this idea, the adoption of this subject in the formal educational system is essential.

In conclusion, albeit/ although there are common assumptions that adolescents are not mature enough to understand the perception of financial responsibility and this subject is exclusively for math lovers, I am far from being convinced. On the contrary, I strongly believe that secondary students could gain valuable knowledge of money and be more aware of their expenditures in the future.

NHU QUYNH

It has been said that in today’s world, there are a vast number of debtors across the globe. Therefore, it is essential for schools to offer secondary students a mandatory subject of financial management in which they can form a good sense of personal responsibility. While this is still in controversy due to various reasons, in my viewpoint, this subject needs to be introduced to students as soon as possible.

In conclusion, financial responsibility should be taught in an indispensable way at schools throughout the world. Although there are still some issues arising from this subject such as learners’ immaturity and mathematics ability, secondary students should be given an opportunity to practice and form/ establish a healthy-spending habit in the future

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