Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · 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 5.5)

Saving money for the future is the most important factor for every individual in the world. Money is the basic usefull thing for everyone and you can need it in any part of life thats why i agree with this statement everyone should save money for their future.

To start, in this advanced technological era money is the only thing everyone requires for their personal use. people work hard in their life to get a good job or to start a own business just be settled in their life so they can enjoy all the aspects of life, which can be done with savings. There are many emergency situations that can come any time in our lifes without letting anyone to know the savings can be used to save our lifes.

Furthurmore, another reason to save money is to achieve the future goals and secure better future because money is required in every place of life if there are no savings done at right time prople will regret in future when they will need it as no one helps other in todays time.according to my personal experience, there was a man living in my area who worked abroad for more than 20 years, his family had a very good living style with all the facilities but the mistake they did is they never saved money for their future. thats why when the person lost his job and came back to his own country there was nothing for his future thats why they started moving backward because nothing remains same in life.

To conclude, every person should do personal savings in their life so they do not face any problem in their future and can use their savings in emergency situations.

AI examiner evaluation

Task Achievement / Task Response: Band 6.0

Your position is clear: you agree that people should save, and you support this with reasons about emergencies and future security. The personal example of a family whose income stopped after the father lost his job is relevant and helps illustrate the consequences of not saving. The response addresses the question, but some points are asserted rather than fully explained. For example, the claim that money is needed “in every place of life” is broad; explain more specifically how savings benefit young people as well as adults, such as funding education or managing early-career costs. The example could also be linked more explicitly to your argument. Developing these points more fully would make the response more convincing.

Coherence and Cohesion: Band 5.5

The response has a recognisable structure: an introduction, two supporting paragraphs and a conclusion. The ideas generally follow a sensible order, moving from emergency needs to future goals, and phrases such as “To start” and “Furthermore” signal the progression. However, the links can feel mechanical, and the second body paragraph contains several ideas in one long sentence, making the example and its relevance harder to follow. Some connections are also repetitive, particularly the repeated use of “thats why.” Use clearer sentence boundaries and refer back to the main point with precise linking phrases. Separating the personal example into a few sentences would improve the flow and make the paragraph’s progression easier to follow.

Lexical Resource: Band 5.0

You use enough topic-related vocabulary to communicate your main ideas, including “emergency situations,” “future goals,” “secure,” and “savings.” However, the range is limited and several expressions are imprecise or unnatural, such as “money is the basic usefull thing,” “a good living style,” and “moving backward.” Spelling errors, including “Furthurmore,” “prople,” and “lifes,” also make the writing less polished. Aim for more precise financial vocabulary and natural collocations, such as “financial security,” “standard of living,” and “fall into financial difficulty.” Vary repeated words such as “money” and “future” where appropriate, while ensuring that alternatives fit the meaning.

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and more complex sentences, including clauses with “because,” “when,” and “so,” and the overall meaning is usually understandable. However, complex sentences are often joined without appropriate punctuation, as in the long sentence beginning “Furthurmore, another reason to save money…” and continuing through the personal example. There are also errors in sentence boundaries and capitalisation, such as “people work hard” after a full stop and “todays time.according.” Article and verb-pattern problems appear in “to start a own business” and “so they can enjoy.” Use shorter, complete sentences when several ideas are involved, and check articles, verb forms, and punctuation. This would make your meaning clearer and improve control.

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