Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · IELTS Predictions Nov 2026 · 2026-11-10

IELTS Writing Task 2 question

Some people believe that it is important to save a large part of their income for the future. Others think that people should spend more of their income while they are earning it.

Discuss both these views and give your own opinion.

Give reasons for your answer and include any relevant examples from your own knowledge or experience.

Student answer (Band 5.5)

The present essay is very demanding and thought provoking. It has lots of layers. Some people thinks that it is essential for us to save money for future but other group of individuals believe that people should spend more of their income. I will through light on the both side the issue and give my opinion. The topic will discuss in details.

To initiate with my argument, saving a large portion from the income would . have lucrative for the individuals. For example, we can buy our dream house, car and so on expensive things with that money without mortgages. In addition, extra saving can be helpful for medical emergencies, for instance some treatment and operation are not covered in health insurance such as cosmetic, visions, hearing so on.

On the other side, spending more money from income would have positive impacts. To quote an ideal example, we should be present in today world without any stress for future and enjoy the life by spending money on traveling, clothes and having fun with family. To continue with my logic, spending money on ourselves and family keep people more energetic towards earning money.

As per my perception, people should more money in today world to fulfill their dreams in present situation become miser has show bad impact toward others. But we do not spend our money on bad place such as casino, online gambling, for taking drugs etc.

To conclude, golden mean should be followed. we should not touch extremities. we should spend money with proper manner. it will bring better results and also make our lives worth-living

AI examiner evaluation

Task Achievement / Task Response: Band 5.5

You address both views and give a personal position, so the response is relevant to the task. The saving paragraph offers practical reasons—buying a house or car and preparing for medical emergencies—while the spending paragraph explains enjoyment and motivation. However, these points are only briefly developed, and the opinion is not fully consistent: you first favour spending more, then conclude that a “golden mean” should be followed. Explain more clearly how you balance present enjoyment with future security, and support each view with a specific example or fuller reasoning. The introduction also promises to discuss the issue “in details” without establishing a clear position. The response meets the stated length requirement; eight words copied from the prompt were excluded from the count.

Coherence and Cohesion: Band 6.0

The essay has a recognisable overall structure: an introduction, separate paragraphs for saving and spending, your opinion, and a conclusion. Transitions such as “On the other side” and “To conclude” help signal the stages of the discussion. However, progression within paragraphs is sometimes mechanical, with phrases such as “To initiate with my argument” and “To continue with my logic” doing more work than the connections between the ideas. The conclusion introduces a compromise that is not clearly prepared for in the opinion paragraph. Some references are also unclear, as in “it will bring better results,” where “it” could refer to several ideas. Use simpler, more precise links and make the final position follow directly from the discussion.

Lexical Resource: Band 5.5

You attempt a range of topic-related vocabulary, including “medical emergencies,” “mortgages,” “health insurance,” and “golden mean.” These choices show an effort to discuss financial security and spending rather than relying only on basic terms. However, several inaccurate or unnatural expressions make the meaning less clear, such as “through light on,” “present in today world,” and “spend money on bad place.” Some wording is also vague or repetitive, including “things,” “money,” and “positive impacts.” Choose more natural collocations and precise terms—for example, describe spending as “discretionary” or saving as an “emergency fund.” Proofread word forms and spelling as well, including “vision” and “miser,” so that vocabulary attempts communicate your intended meaning reliably.

Grammatical Range and Accuracy: Band 5.0

You use both simple sentences and attempts at longer structures, including clauses introduced by “but,” “for example,” and “such as.” This gives the response some variety, but control is inconsistent, and errors sometimes make sentences difficult to follow. Examples include “Some people thinks,” “I will through light,” and “people should more money,” where agreement, verb form, or a missing verb affects the sentence. The sentence beginning “As per my perception” also lacks a clear grammatical structure, while “become miser has show bad impact” contains several errors in clause construction and verb forms. There are punctuation and capitalisation problems too, such as the full stop after “would” and lowercase “we” after full stops. Practise accurate complete sentences before adding more complex clauses.

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