Band 6.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.5 · 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 6.5)

In recent years, particularly after pandemic, attitudes toward money management have changed considerably among young people. Some poeple believe it is essential for everyone, including youngsters to save money for their financial stability. I firmly believe that saving money brings out a sense of responsibilty and financial success, especially for young people.

To begin with, saving money is an asset because it gives poeple a sense of responsibilty and reduces future financial stress. For instance, students studying in foreign country with a habit to save money for future have a stable future than one who have spend all their income or pocket money influenced by consumer culture. As a result, students with mature money spending lives a decent life rather than those who excessively spend on themselves. Financial success requires patience, discipline and careful planning rather than impulsive spending on luxurious lifestyle.

Another reason why young people should save money, so they can laverage from this for their future goals and opportunities because it can be an asset for their future education and business investment. As technology is getting advanced many jobs are being handled by machines causing many poeple to loose their jobs. In this stage, people who have saved up from beginning can survive well than those who did not. Developing habits like financial independence protect young poeple from future unstability.

In conclusion, I highly believe poeple who save money for their future makes them ambitious and stable in life. Not only it provide protection during difficult times but also create opportunities for personal and professional growth.

AI examiner evaluation

Task Achievement / Task Response: Band 7.0

Your position is clear from the introduction—“I firmly believe” saving is beneficial—and remains consistent in the conclusion. You address the topic with relevant reasons: saving can reduce financial stress, support education or business plans, and provide security if jobs are lost to automation. The student example also helps illustrate the first point. This fits a response that addresses the task and extends its ideas, although some support is generalised rather than fully explained. For example, the claim that saving leads to a “stable future” is not illustrated with a specific outcome, and the link between automation and the need to save could be developed further. Explain how savings would help someone retrain or meet expenses during unemployment.

Coherence and Cohesion: Band 6.5

The response has a clear overall structure: an introduction, two body paragraphs presenting separate reasons, and a conclusion that restates your position. Sequencing phrases such as “To begin with,” “Another reason,” and “In conclusion” make the progression easy to follow. This meets the lower-band expectation of coherent organisation and shows some movement towards more flexible cohesion. However, the linking is somewhat formulaic, and a few connections between ideas are not fully clear. In the second body paragraph, the shift from future goals to technological change and job losses needs a more explicit explanation. Use transitions that show the relationship between claims, and ensure each paragraph develops one central point before moving to its consequence.

Lexical Resource: Band 6.0

You use an adequate range of topic-related vocabulary, including “financial stability,” “consumer culture,” “impulsive spending,” “investment,” and “financial independence.” These choices help communicate your main ideas, and you attempt some less common expressions. At times, however, word choice and collocation are inaccurate or awkward, as in “brings out a sense of responsibility,” “leverage from this,” and “mature money spending.” There are also spelling errors such as “poeple,” “responsibilty,” and “loose,” which reduce accuracy. These issues do not prevent the reader from understanding your argument, but more natural phrasing and careful proofreading would improve precision. Prefer established combinations such as “develops a sense of responsibility” and “benefit from savings.”

Grammatical Range and Accuracy: Band 5.5

You attempt a mix of simple and complex sentences, including clauses introduced by “because,” “rather than,” and “causing.” The overall meaning is generally understandable, but some grammatical errors occur across the response. For example, “students … have a stable future than one who have spend” has problems with comparison, agreement, and verb form; “young people should save money, so they can” does not form the intended grammatical connection; and “people who save money … makes them” has a subject–verb agreement error. Articles and sentence construction also need attention in phrases such as “studying in foreign country.” Practise checking each sentence’s subject and verb, and revise complex sentences to ensure their clauses connect correctly.

See this exact question answered at other band scores. The same prompt compared across bands.

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