Band 6.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.0 · Cambridge IELTS 19 · 2026-11-09

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 6.0)

I am totally agree with this statement. I actually think that it does not really matter the age, but people should be educated to save money for their future and of course, start to do it in early ages such us once you finish highschool for example it is always an ideal escenary to have a good financial life. I have been reflecting about this topic on several times, as a person who likes to take care of my money I do save money in a very wise way and the most interesting thing is that I started to do it when I got my first job at the age of sixteen. I was super young but back then I learned that my effort to make money deserved to be invested in the best possible way. Said this, I just spent my money in things that a really needed, I actually consider that I have never spent my money in innecessary things. Nowdays, thanks to my good habbits from the past and my good relatioship with money, I have been able to save more money and not just use it for my pleasures and necesities but also I have invested my money in different projects and its actually making more money by itself. Thnaks to this also I have an exceptional credit score which allows me to take advantanges such as cashback and 0 interest fee from different banks in my credit card and all of this has been possible due to I always pay on time my bills and I never spent more that I make. I use my saving to make more money and also they are split in case I have an emergency so in this order of ideas my savings are my backup not just for the future but also for those unnexpecting situation that could happend at any moment.

AI examiner evaluation

Task Achievement / Task Response: Band 7.0

Your position is clear from the opening—“I am totally agree with this statement”—and remains consistent: you argue that people should learn to save early. You support this with a personal example, explaining that you began saving after getting your first job at sixteen, and describe benefits such as investing, preparing for emergencies and building a good credit score. This addresses the question and gives relevant support. To strengthen the response further, develop the broader reasons for why saving matters to everyone, rather than relying mainly on your own financial experience. For example, explain how savings can help young people meet future costs or cope with unexpected events, and clarify how these benefits apply across different ages and circumstances.

Coherence and Cohesion: Band 5.5

The response follows a generally understandable line: you state your view, recount how you began saving, and describe the results. However, it is presented as one long paragraph, so the reader has little visual guidance through these stages. Several ideas are also joined in extended sentences, particularly the discussion of your credit score, cashback and paying bills on time. Connectors such as “Said this,” “Nowdays,” and “in this order of ideas” do not always create a clear relationship between points. Use separate paragraphs for your position, personal example and wider conclusion, and make links between ideas more direct. This would give the response clearer progression and reduce the sense of ideas being added one after another.

Lexical Resource: Band 6.0

You use a range of vocabulary relevant to personal finance, including “invested,” “credit score,” “cashback,” “emergency” and “backup.” These terms help communicate specific benefits of saving, and the meaning is generally clear. However, spelling and word-choice errors are noticeable, including “escenary,” “innecessary,” “habbits,” “relatioship” and “advantanges.” Some expressions are also imprecise or unnatural, such as “start to do it in early ages” and “making more money by itself.” Aim for accurate spelling and more natural collocations, such as “start saving at an early age” and “generate additional income.” A broader range of precise terms for financial security and future expenses would also make the argument more flexible.

Grammatical Range and Accuracy: Band 5.5

You attempt a mixture of simple and complex structures, including clauses introduced by “but,” “as” and “which.” The main message is usually understandable, but errors in sentence construction and verb forms recur. For example, “I am totally agree” should be “I totally agree,” while “I just spent my money in things that a really needed” has an unclear clause structure and tense choice. The sentence beginning “all of this has been possible due to” also becomes difficult to follow as several ideas are joined together. There are issues with articles and prepositions as well, as in “in early ages.” Practise building shorter, complete sentences and check agreement, verb forms and punctuation, while retaining some well-controlled complex sentences.

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