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)

There is an going debate regarding saving money is important for the future is beneficial or detrimental. From my perspective, I think that saving money is a very important life skills that should be taught from a young age.

One of the primary reasons why I support the idea of saving money is because, saved money is always beneficial for a rainy day however, there are many people who do not follow the practice of saving money and in case of emergency they are out of funds. For example, the younger genration tends to spend money on depriciating assets these days and spend money on fad items to show it off, instead of saving or investing, which can lead to having less funds for other purposes which are far more important. To mitigate the effects of overspending, schools should include subjects such as finance and benefits and ways of saving money in the academic curriculum.

Another reason for my stance is that nowadays health issues have become a pressing concern due to unhealthy lifestyle, For example, if an elder family member falls sick, one needs to have sufficient money to provide them with the course of treatment. During such emergiences is when people realise the true value of money, in order to prevent such negligence some amount of money from the salary should be saved as an " emergency fund" and should only be used during critical times and not otherwise.

In conclusion, it is rightly said that "A penny saved is a penny earned"; therefore, I firmly believe that the skill of saving money is very important.

AI examiner evaluation

Task Achievement / Task Response: Band 6.5

Your position is clear: you strongly support saving, and both body paragraphs give relevant reasons. The emergency-fund example explains how savings can help when someone becomes ill, while the discussion of young people spending on short-lived items supports your point about planning ahead. This addresses the task and includes relevant examples. However, the first reason shifts partly towards what schools should teach, rather than fully explaining why saving matters to everyone, and the second focuses mainly on medical emergencies. To strengthen the response, develop the wider future benefits of saving—for example, education, housing, or retirement—and explain how these apply to young people as well as adults. Your conclusion restates your view but could briefly synthesise the main reasons.

Coherence and Cohesion: Band 6.5

The response has a clear overall structure: an introduction states your view, two paragraphs present separate reasons, and a conclusion reinforces your position. Sequencing phrases such as “One of the primary reasons” and “Another reason” help readers follow the argument, and examples are placed alongside the relevant points. Some connections are less smooth, however. The first body paragraph moves from emergency savings to young people’s spending and then to school subjects, so the link between these points needs to be made more explicit. The long sentence beginning “For example” also carries several ideas at once. Use clearer topic sentences and divide complex points into shorter steps; vary linking expressions so the organisation feels less formulaic.

Lexical Resource: Band 6.0

You use an adequate range of vocabulary for the topic, including “depreciating assets,” “pressing concern,” “sufficient money,” and “emergency fund.” These choices help communicate ideas about spending, health, and financial planning, and the meaning is generally clear. There are also several inaccurate or awkward choices and spelling errors, such as “an going debate,” “genration,” “depriciating,” and “emergiences.” Some phrases are imprecise or unnatural, including “show it off” and “subjects such as finance and benefits and ways of saving money.” Aim for accurate spelling and more natural collocations, such as “financial education” and “spend money to impress others.” This would make your vocabulary more precise and controlled.

Grammatical Range and Accuracy: Band 5.5

You attempt both simple and complex sentence forms, including clauses introduced by “because,” “which,” and “if.” The conditional example about an elder family member falling sick is understandable, and the overall message remains clear. Some grammatical errors nevertheless reduce accuracy. For example, “saving money is a very important life skills” has a singular–plural mismatch, while “because, saved money is always beneficial” has an incorrect comma and an awkward clause structure. The sentence beginning “For example, the younger…” also joins several ideas without clear punctuation, and “During such emergencies is when…” is an awkward construction. Practise checking agreement, articles, and sentence boundaries, and revise long sentences into clearly connected clauses.

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