Версия Band 7 (~290 слов)
Версия Band 7 (~290 слов) There is an ongoing debate about who should teach children financial skills: schools or parents. While the family undoubtedly shapes a child's earliest attitudes towards money, I believe that systematic financial education belongs in the classroom, as it guarantees equal access to this essential life skill. Advocates of home-based learning argue that parents understand their children better than anyone else and can turn everyday situations into lessons. Giving pocket money, for example, allows a child to practise budgeting, plan purchases and experience the consequences of impulsive spending firsthand. Furthermore, habits absorbed within the family tend to feel natural, since children observe how adults actually earn, save and spend rather than studying abstract theory. Nevertheless, supporters of school education point out that not every family is a competent teacher. Parents themselves may have poor financial habits, which children simply inherit, whereas a trained educator can deliver objective, well-structured material on saving, credit and budgeting. What is more, schools provide consistency: every pupil, regardless of background, receives the same core knowledge. A teenager from a low-income household, for instance, might otherwise never receive any financial guidance at all. In conclusion, although parental involvement makes learning personal and practical, I am convinced that financial literacy should be taught at school. Only the classroom can ensure that all children, whatever their family circumstances, acquire this crucial skill in a systematic way. Почему это Band 7: позиция чётко заявлена во введении и зеркально повторена в заключении. Каждый абзац - одна идея с развитием (аргумент → механизм → пример), связки разнообразные (advocates - сторонники, nevertheless - тем не менее, what is more - в дополнение), лексика точная и тематическая (budgeting - бюджетирование, impulsive spending - импульсивные покупки, low-income household - не нищеброды, а домохозяйство с низким доходом), а грамматика демонстрирует разнообразие: условные конструкции, придаточные, пассив, причастия - без грубых ошибок, которые мешают пониманию.