Band 6.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.5 · 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 6.5)

Given the current times and the soaring rate of inflation, money saving habit should be very important for every individual.

It is getting difficult every passing day to save up good amount of money due to high cost of living and numerous expenses. But in my opinion, it should be higly prioritized even if its a small amount. It is very important to have a savings account because difficult situations cmay arise anytime and one should be prepared for it.

Daily wages are very low in many countries and there is a hike in prices of everything from food to fuel. People pay for mortgage half of their lives. Social media has also built a false narrative of better life by having upgraded and expensive materials. All of this leads to over spending and less saving.

But it is extremely important to save money for the security of your future. Healthcare is very expensive in my country and as a person grows old the demand for regular medical check ups arises. Due to saturation in the job industry, one should always be prepared of getting unemployed and having money in that situation may help them significantly for some time. Life after retirement should always be kept in mind and if you don't have enough money to support yourself, difficulties may arise. People should stay content with what they possess as running after materialistic objects results in over spending.

Overall, despite the rising cost of living, a person should have the habit of saving some amount monthly which might help in securing better future for them and their future generations.

AI examiner evaluation

Task Achievement / Task Response: Band 7.0

Your position is clear: you agree that saving matters, even when people can put aside only a small amount. You address the future-security aspect with relevant reasons, including healthcare costs, unemployment and retirement, and explain how savings could help in difficult circumstances. This gives the response a clear, relevant argument. Some points, however, are asserted more generally than they are developed: for example, the claim that social media encourages overspending is not followed by a specific illustration, and the discussion of low wages and mortgages mainly describes obstacles rather than showing how people can respond to them. Extending one or two examples and linking them more explicitly to your position would make the support more consistently convincing.

Coherence and Cohesion: Band 6.5

The response has a recognisable progression: it introduces the importance of saving, describes pressures that make it difficult, then explains its benefits and concludes with a recommendation. Paragraphing supports this overall structure, and transitions such as “But” and “Overall” help signal shifts. The organisation is coherent, though some links between ideas are abrupt. For instance, the move from low wages and mortgages to social media’s influence would benefit from a clearer explanation of how these pressures relate. Repeated use of “But” also makes the connections somewhat mechanical. Use a wider range of linking expressions and clearer references between sentences, while grouping closely related points, to make the progression smoother and more flexible.

Lexical Resource: Band 6.5

You use an adequate range of topic vocabulary, including “inflation,” “cost of living,” “mortgage,” “unemployed” and “retirement,” so the main ideas are communicated clearly. There are also attempts at more specific phrasing, such as “false narrative” and “materialistic objects.” However, some word choices and collocations are inaccurate or awkward, including “money saving habit,” “hike in prices of everything” and “prepared of getting unemployed.” Spelling slips such as “higly” and “over spending” also reduce accuracy. Aim for more natural combinations and check spelling and word forms carefully; this would make the vocabulary more precise without needing unnecessarily complex words.

Grammatical Range and Accuracy: Band 6.0

You use a mix of simple and complex sentence forms, including the conditional idea in “if you don't have enough money to support yourself” and the clause beginning “as a person grows old.” Most sentences remain understandable, and errors rarely prevent the reader from following your argument. Some grammatical problems persist, however: “money saving habit should be” needs an article or plural form, “even if its a small amount” has an incorrect contraction, and “People pay for mortgage half of their lives” has an article error. The sentence beginning “Due to saturation in the job industry” also has an unclear construction. Review articles, possessives and sentence structure, and proofread punctuation, especially spacing around commas, to improve control.

See this exact question answered at other band scores. The same prompt compared across bands.

Browse more IELTS Writing model answers or get your own writing scored by the same AI examiner.