Band 6.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.0 · Cambridge IELTS 19 · 2026-11-11

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)

In modern era inflation is increasing day by day and many countries are facing issues such as unemployement and decreasing value of currency. Not a single country in the world is protected from the inflation. In many parts of the world unfortunately, most of the individuals including both younger and older do not have financial literacy which is crucial for financial planning and future savings.

Moreover, many people do not save money for future and do not invest it in different places such as in shares,debentures or some other valuable things which are unaffected by the inflation. Many people believe that saving money is not an important thing due to decreasing value of currency and they are partly right but partly wrong as well. Although, the currency value is decreasing day by day but we can still save it by investing.

Furthermore, A few years we had a family medical emergency and this was the time when we realized the actual worth of the money that we had saved. So, at that time we just used our saved money instead of getting loans and then paying heavy interests on them. Therefore, saving money is a good and important habit because unexpected circumstances can occur at any time such as medical emergency or wars.

However, many younger people argue that we are currently students and saving money for us isn't easy and they are right but saving isn't mean that we should start saving thousands of bucks directly. Students and people who can't save bigger amounts can jus start saving from 100 to 200 bucks a month and can use this money in future whenever they need such as students can pay their tuition fee by saving money.

In conclusion, saving money is a good and crucial habit that one should develop so that he can deal with unexpected circumstances.

AI examiner evaluation

Task Achievement / Task Response: Band 6.5

Your position is clear: you agree that saving is important, and the conclusion reinforces this view. You address the prompt with relevant reasons, including inflation, unexpected emergencies, and the possibility of students saving small amounts. The family medical emergency is a useful personal example that supports your argument about avoiding loans and interest. This response also shows some of the stronger development expected above a basic treatment of the topic. However, the discussion of inflation and investment is not fully explained, and the point about students paying tuition could be developed with a clearer link to future financial security. To strengthen the response further, explain how each reason supports your position and consider the particular importance of saving for young people.

Coherence and Cohesion: Band 6.0

The response has a coherent overall arrangement: it introduces the issue, gives reasons and examples in separate paragraphs, and ends with a clear conclusion. Linking expressions such as “Moreover,” “Furthermore,” “However,” and “Therefore” help signal the direction of the argument. The personal example also fits logically within the discussion of emergencies. At times, though, the progression feels mechanical because several paragraphs begin with a linking word, and the relationship between ideas is not always explicit. For example, the move from inflation and investment to the medical emergency could be connected more clearly as two distinct reasons for saving. Use fewer formulaic transitions and make the links between claims and examples more precise; this would make the organisation feel more fluent.

Lexical Resource: Band 6.0

You use an adequate range of vocabulary for the topic, including “financial literacy,” “financial planning,” “currency,” “investing,” and “unexpected circumstances.” These terms allow you to discuss both economic pressures and personal reasons for saving, and the meaning is generally clear. There are also attempts at more specific language, such as “shares” and “debentures,” although the investment point would benefit from more precise phrasing. Some word choices and collocations are inaccurate or informal, including “decreasing value of currency,” “valuable things,” and “heavy interests”; spelling errors such as “unemployement” also reduce accuracy. Aim for more natural combinations and a consistent formal register. For instance, describe inflation as reducing purchasing power and refer to interest payments on loans.

Grammatical Range and Accuracy: Band 5.5

You attempt a mix of simple and complex sentence forms, including clauses introduced by “although,” “because,” and “whenever.” This gives the response some structural variety, and the main ideas remain understandable. However, some errors in sentence construction, articles, agreement, and punctuation are noticeable. Examples include “saving isn't mean,” “A few years we had,” and “saving money for us isn't easy,” where the grammatical patterns need correction or clearer construction. The sentence beginning “Although, the currency value is decreasing” is also awkwardly punctuated and does not connect smoothly to the following clause. Review verb forms and sentence boundaries, and check articles and singular/plural agreement. More consistently accurate complex sentences would improve control without requiring more complicated structures.

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