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)

Some people believe that saving money for their future is singnificant for everyone, specially young generation because it provides financial security and achieves future goals. I totally agree with the notion and the main purpose of the forthcoming paragraphs is to elaborate why I think it is important with plausible examples.

Starting the first point, first and foremost point is that saving income provides financial security for the future. For example, if someone losses their job and becomes unemployed, their saving can help them to meet their daily expenses until they find another job. Secondly, it encourages individuals to face unexpected circumstances. For example, if someone of the family are suffered from disease, its emergency medication reqiures money. Therefore, individuals who save money can face this problem with patience and encourage. That is why, saving money provides financial security and support.

Another point is that saving money helps younger people to get higher education in the futuer, and meet all their expenses without any hesitation and becomes independent. For instance, young students who save money can afford their educational expenses and become independent in the future. Furthermore, young men who save money can easily brought their dream cars and houses in the future and they become live a comfortable and good-standard life because every thing they wanted is achieved. Consequently, saving money also helps young students to afford their educational expenses and become independent, and to achieve their future goals.

In conclusion, I believe that saving money for their future, is significant for every individuals, specially young students to afford their educational expenses and become independent.

AI examiner evaluation

Task Achievement / Task Response: Band 5.5

Your position is clear: “I totally agree,” and both body paragraphs give relevant reasons—financial security and helping young people fund education and future goals. The examples of unemployment and medical costs make the first reason more concrete. However, the ideas are only partly developed: the education example largely repeats the claim, while the reference to cars and houses is asserted rather than explained. The introduction also promises to explain your view but does not preview the two reasons clearly. To strengthen the response, explain how saving enables these goals and add a specific, realistic example, while keeping the focus on why saving matters to everyone as well as young people.

Coherence and Cohesion: Band 5.5

The response has a recognisable structure, with an introduction, two body paragraphs and a conclusion, and the main ideas are generally easy to follow. Sequencing phrases such as “Firstly,” “Secondly,” “Another point” and “In conclusion” help signal the stages of the argument. However, some linking is mechanical or repetitive: “first point, first and foremost point” repeats the same signal, and the final sentence of each body paragraph restates earlier claims rather than advancing the discussion. Some references are also unclear, such as “this problem” after the medical example. Use fewer formulaic transitions, connect each example directly to its reason, and make the conclusion summarise both main points rather than repeating only education and independence.

Lexical Resource: Band 5.5

You use vocabulary relevant to the topic, including “financial security,” “unexpected circumstances,” “educational expenses” and “independent,” so the reader can understand the main argument. There are also attempts at more formal phrasing, such as “plausible examples.” However, the range is limited and several word choices, collocations and spelling errors make the writing less natural: “singnificant,” “specially,” “losses their job,” “emergency medication” and “good-standard life.” Repetition of “saving money,” “future” and “expenses” also limits flexibility. Build a small set of accurate topic phrases and check spelling; choose natural combinations such as “lose their job,” “medical expenses” and “a comfortable standard of living.”

Grammatical Range and Accuracy: Band 5.5

You attempt both simple and longer sentences, including conditional structures such as “if someone loses their job” and clauses explaining consequences. This gives the response some variety, and the overall meaning is usually recoverable. However, complex sentences are often faulty, and errors in agreement, verb forms, articles and sentence construction occur throughout. For example, “if someone of the family are suffered from disease” has incorrect agreement and verb form; “they become live” combines incompatible verb patterns; and “saving money for their future, is significant” has an unnecessary comma and an awkward subject structure. Practise building accurate clauses before extending them, especially with “if,” “help someone to,” and plural subjects, then proofread each sentence for agreement and punctuation.

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