Write a message of at least 110 words using informal language appropriate for the person you are writing to. You have two options available to choose from.

OPTION A

Your friend Janet is constantly late for appointments and gatherings, and it's affecting your plans. Write a short message to your friend explaining why punctuality is important and offer some tips to help them be more punctual.

OR

OPTION B

Your cousin Victor is struggling with managing their finances and wants to take out a loan to cover their expenses. Write a short message to your cousin explaining why taking a loan might not be the best solution and suggest some budgeting tips to help him manage their finances better.