In Present simple^x, Learn English^x, Clauses^x

In formal writing pepole use past simple tense.But i have seen many times books and other articles includes sentenceswhich have been made of "would"...I know that "would" is used in conditional clauses.Where as i realy want to know what are the situations where i can use...

When we make mistakes, we have to reflect on what we did wrong so that we can avoid making the same mistake again. We need to learn to be financially responsible so that we don’t get caught up in the credit debt trap. I want to learn English so that I can find a better job. Whenever...