"There are various reasons why..." Good answer starter for this type of question

"Probably the main one is..." Another good organizing expression

"Live in the moment" -Another very suitable idiom

"People don't bother to..." Demonstrates awareness of idiomatic English

"Another thing could be..." Giving a second reason

"One of the main reasons..." More organizing language

"Living life on a knife edge"- Another very relevant idiom

"Put anything away for the future" - Very suitable idiom for this topic

I answer the above question, demonstrating a variety of organisational and idiomatic expressions.

Part 3 Speaking Model Answer "What are some reasons why people often fail to save money?"

SI-UK aims to provide assistance to international students hoping to study in the UK. Highly committed staff in our offices in the UK, Japan, India, Turkey, China and Thailand are prepared to help you make one of the most important decisions you may ever make. SI-UK is able to help you with all aspects of your application, including IELTS training, assistance with your visa application, choosing and applying to a university, and finding accommodation for you and your family. 

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Study International

Study International

Study International

Study International

Study International

Study International

Study International

Study International

Study International