Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-11-08

IELTS Writing Task 2 question

It is important for everyone, including young people, to save money for their future.

To what extent do you agree or disagree with this statement?

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

Student answer (Band 5.5)

It is often argued that, it is more important for all ages people to save money for their future. While this trend may bring some negative effects I largely argee with that idea because reducing financial stress and achieve future goal.

One major advantage of this development is that reduce financial stress in the future. This is mainly because when people save money they do not face any financal issues in the up coming days. In fact, saving people avoid loan if they face any unexpected situation. Moreover, everyone have their future goal and they want reach their aim. Aonther major positive way is that people people become sucessful in early age. This is because when people have enough money they can do any thing. For example, a recent study showed at present many people save money because they want be a sucessful person in the next days. As a result, in the future they do not need to take loans from any banks.

Another significant factor to consider is that people want achieve their their future goal. In other words, people may save their currency to achieve their dream. Additionally, people can afford any thing when they find most difficulties. Also, they can buy their house or start a new business and higher students can afford their university fee. For instance, many higher learner save money to pay their university fees. Conseqently, people can easily take any difficult moment and they can do anything.

In conclusion, although many face money shortage when they save money for their future life; however I believe more important things is to save money to reach their destination in the future.

AI examiner evaluation

Task Achievement / Task Response: Band 5.5

Your position is generally clear: you largely agree that people should save, and you give relevant reasons, including reducing financial pressure and funding education, a home, or a business. These examples show an understanding of the topic. However, the ideas are only partly developed. The point that saving helps people become “successful in early age” is vague, and the claim that savings let people “do any thing” needs a specific explanation. The discussion also repeats the idea of reaching future goals without adding much new support. To strengthen the response, explain how each reason applies to young people as well as adults, and develop one or two examples with clearer cause-and-effect reasoning.

Coherence and Cohesion: Band 5.5

The response has an introduction, two body paragraphs, and a conclusion, and the paragraphs broadly group related points. Linking expressions such as “Moreover,” “For example,” and “In conclusion” help signal the direction of the discussion. However, progression within the body paragraphs is not always clear: the first moves from financial stress to future goals and then success, while the second repeats the future-goal point. Some connections are mechanical or unclear, particularly “Consequently, people can easily take any difficult moment.” The conclusion also introduces money shortage without explaining how it relates to the argument. Give each paragraph one main focus, order its supporting points logically, and use references and transitions that make the relationship between ideas explicit.

Lexical Resource: Band 5.0

You use a basic range of topic vocabulary, including “financial stress,” “unexpected situation,” “university fees,” and “start a new business,” so the main subject is understandable. However, vocabulary is repetitive and several word choices or collocations are inaccurate, which sometimes makes the meaning difficult to follow. Examples include “all ages people,” “save their currency,” “higher students,” and “take any difficult moment.” There are also noticeable spelling errors, such as “argee,” “financal,” “sucessful,” and “Conseqently.” Build a more precise set of expressions for saving and future planning, and check spelling and natural word combinations. Avoid repeating “future goal” and “anything” when a more specific phrase can express the point.

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and more complex sentences, including a conditional structure in “when people save money they do not face any financal issues” and a concession in the conclusion. However, attempts at longer structures are often faulty, and errors occur frequently enough to make some sentences difficult to understand. For example, “because reducing financial stress and achieve future goal” lacks a complete grammatical structure, while “everyone have their future goal and they want reach their aim” has agreement and verb-form problems. Repeated words and punctuation also affect accuracy, as in “people people” and “their their.” Practise building complete sentences with a clear subject and verb, and check agreement, infinitives, articles, and punctuation when editing.

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