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)

there are two distinct thoughts regarding the importance of saving money. there are those people who consider saving crucial for the future needs to meet the expenses of marriage, home and retirement including the youth to save money for their higher studies on other hand their are some people who dont focus much on saving instead they spend more on improving their lifestyle, vocations and luxury cars to me i would agree to disagree to some extent.

On one hand the people and youth who conside saving very crucial is beacuse they dont want to take loans from banks and other financial institutions for their future goals of necessity which is getting admisson in high end universities, marriage and having their own home or specially saving for their retirement to avoid the need of old age homes and to enjoy a better retirement life for instance if a person gets old and retired in a small scale company where no reitrement fund is associated and without having any other source of income then his own saving comes in handy.

on the other hand there are some people with the mindset of no savings is because they consider that you only live once and their priority is to enjoy the life at its peak without any long term planning of future events they focus on the present day and spend more on improving the lifestyle expensive clothing and dining on expensive restaurants taking vocations twice a year renting high end apartments and owning the best transport their is their prime focus is maintain a high status in the society for instance a person who take huge loans to maintain his lifestyle to avoid the embarassment in the elite society in which he lives.

So i agree to some extent towards the first thought of people who focus more on saving because it is necessory to plan some of your main events ahead of your time but i would also disagree because people also need to live their present take vocation once a year instead of stressing about their future because they are alive today and nobody knows if you live to see the next 20 years for which they are planning of.

AI examiner evaluation

Task Achievement / Task Response: Band 6.0

You address the question and present a qualified position: saving is important for major future needs, but people should also enjoy the present. The retirement example—where savings help someone without a pension—supports the first view, while the example of borrowing to maintain an expensive lifestyle illustrates the opposing view. This is relevant and gives your response a clear direction. However, the discussion is not equally developed: the case for saving has a concrete consequence, whereas the argument for present-day spending is mostly a list of purchases and a general claim about enjoying life. Your final position, “agree to some extent,” would be stronger if you explained more precisely when saving should take priority and why.

Coherence and Cohesion: Band 6.0

The response has a coherent overall arrangement: an introduction, two contrasting body paragraphs signposted by “On one hand” and “on the other hand,” and a conclusion. This makes the main line of argument easy to identify. However, some sentences contain several ideas joined together without clear boundaries, particularly the opening and the paragraph about present-day spending. As a result, the relationships between examples and claims are sometimes difficult to follow. Linking phrases such as “for instance” are useful, but the long lists that follow them need clearer sentence divisions and more explicit connections. Use one main point per sentence, and make references such as “the first thought” more specific so the reader can follow the argument without having to infer what they refer to.

Lexical Resource: Band 5.5

You use a relevant range of vocabulary for the topic, including “financial institutions,” “retirement fund,” “long-term planning,” and “lifestyle.” These choices help you discuss both future security and present consumption. However, spelling and word-choice errors are noticeable, including “admission,” “retirement,” “vacations,” and “necessary,” and some expressions are awkward or imprecise, such as “enjoy the life at its peak” and “maintain a high status.” Repetition of “saving,” “future,” and “spend” also limits flexibility. Aim to use more natural collocations and check spelling carefully; for example, “save for major expenses” is clearer than repeatedly referring to “saving for their future goals of necessity.”

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and complex sentence forms, including clauses introduced by “because,” “where,” and “if.” This gives you a basis for expressing reasons and examples. However, some sentences are difficult to process because clauses run together without appropriate punctuation, as in the opening sentence and the long description of people who prioritise spending. There are also errors in sentence structure and agreement, such as “the people and youth … is” and “a person who take huge loans.” Capitalisation and punctuation are inconsistent, especially at sentence beginnings and after full stops. Work on separating independent clauses, checking subject–verb agreement, and using full stops to control sentence length; these changes would make your ideas clearer while preserving your attempts at complex grammar.

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