Band 5.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.0 · Cambridge IELTS 19 · 2026-11-10

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 5.0)

In today contemporary epoch the savings are money is very important part for the furture life. The say of the old people is that "if you will save the money now, the money will save you later". However, some people do not belive in this and sometimes their expenditure is more than their earning and ultimately there is no room for saving.

I totally agree that saving is very important and every individually should save some money for their future. Here in this essary i will discuss why it is very important and how much beneficial to save some money for future.

At the outset, every indivisual should save some money in their convenint way. More particullarly the young people should wise spend their mney and invest or save it accordgindly. That, at the time of unforeseen events the saved money can be used as saver to their life.

Nowdays, the people are spending on unessary thinsg which are not event important and they do not even need, however they still buy or spend money on that to show off or in feeling of envisious. Every indivisual can save their money by investing and lower their unessary spending.

In conclusion, money is the future remedy of the problem. Saving and spending it wisely can work as a saver during the difficult time. People irrespecitve of their age should save money and condense their unimportant spending.

AI examiner evaluation

Task Achievement / Task Response: Band 5.0

You state a clear position—“I totally agree”—and keep the response focused on saving for the future. Relevant points include using savings during “unforeseen events” and reducing unnecessary spending. However, the task is only partly developed: these points are asserted rather than explained with specific examples or fuller reasoning, and the discussion does not clearly address why saving matters to everyone, including young people. The introduction also mentions people who spend more than they earn, but this idea is not developed. The response is 15 words below the required minimum, which limits the space available to support your position. Develop each main reason with an explanation and a concrete example.

Coherence and Cohesion: Band 5.5

The response has a recognisable structure, with an introduction, a stated opinion, supporting paragraphs and a conclusion. The ideas generally remain on the topic, and phrases such as “At the outset” and “In conclusion” help signal stages of the response. However, progression between points is limited: the paragraphs repeat the general message that people should save, rather than building a connected argument. Some linking is mechanical, and “however” in the paragraph about unnecessary spending does not clearly show the relationship between the ideas. The reference to “this” in the introduction is also vague. To improve, organise each body paragraph around one distinct reason and use clear references and transitions to show how each point supports your position.

Lexical Resource: Band 5.0

You attempt vocabulary relevant to the topic, including “unforeseen events,” “invest,” “expenditure” and “spending wisely.” These choices show an effort to discuss financial planning, but the usable range remains limited and errors in spelling, word form and collocation are frequent enough to distract the reader. Examples include “furture,” “essary,” “unessary thinsg” and “convenint way.” Some expressions are unclear or unnatural, such as “money is the future remedy of the problem” and “save some money in their convenient way.” Aim for accurate, natural phrases rather than more complicated wording: for example, “build an emergency fund” or “reduce non-essential spending.” Proofreading spelling and checking collocations would make your meaning clearer.

Grammatical Range and Accuracy: Band 5.0

You use both simple sentences and some attempts at longer structures, including a conditional idea in “if you will save the money now, the money will save you later” and a sentence beginning “however.” However, the range is limited, and errors occur frequently in sentence construction and basic grammar. For example, “the savings are money is very important part” has an unclear structure and missing article, while “every individually should save” does not use the correct noun form or agreement. The sentence beginning “That, at the time…” is a fragment, and “People … should save money and condense” has an incomplete or unclear construction. Practise building accurate subject–verb–object sentences first, then add subordinate clauses and check articles, agreement and punctuation.

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