Band 6.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.5 · 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 6.5)

Saving for the future is very crucial to every person in the society including the young. Even though resources sometimes may be limited due to existence of unlimited needs and wants, I strongly advocate that all people should try securing a portion of the resources they earn or even generate to support them in future.

When young people are growing, in order to realize dreams that need financial support, saving of money is recommended. This is can only be actualised through regular remittance of some given amount in a bank account or a cooperative society account. For instance, for an individual to run a business, they need to secure finances prior to commencing the business through savings. As a result, after saving, a person will be able to implement the business ideas in mind. Another important reason for saving is to enable people to address emergencies that attract financial implications. A case in point, is sickness that is often unpredictable that might need more money to secure medication. As as result, good savers are always in a position to settle such bils facilitated by the finaces they have saved. Furthermore, good savers in the society help to lower the overdependence on others when emergencies such as drought and famine arises. This is due to availability of financial resources to solve such matters without involving family, friends and relatives.

On the other hand, saving money is a challenge because of limited income generated by most youths due to high rates of unemployment. This has led to little or no savings among most individuals.

In conclusion, even though saving of money may be challenging because of limited resources, saving ensures better living standards in future.

AI examiner evaluation

Task Achievement / Task Response: Band 6.5

Your position is clear from the introduction: you strongly support saving, and the conclusion restates that it can improve future living standards. You address the main question with relevant reasons, especially funding a business and meeting medical emergencies, and you explain how savings can reduce dependence on others. These examples make the response persuasive at points. However, the discussion of young people’s limited income is brief and is not fully connected to your overall argument; you could explain how saving even small amounts remains useful despite unemployment. Some claims, such as “good savers” being able to manage emergencies, are asserted more than developed. More balanced explanation and specific examples would make the ideas more fully extended.

Coherence and Cohesion: Band 6.5

The response has a clear overall structure: an introduction, a main paragraph presenting reasons, a contrasting point about limited income, and a conclusion. The sequence from future goals to emergencies is logical, and signposts such as “For instance,” “Furthermore,” and “On the other hand” help readers follow the argument. At times, however, the main body becomes a long chain of points, so the relationship between the business example, emergencies, and dependence could be made clearer through more deliberate paragraphing. Some linking is also mechanical, particularly the repeated cause-and-effect phrasing around “As a result” and “This is due to.” Use paragraph breaks to group related reasons and vary transitions so the progression feels more natural.

Lexical Resource: Band 6.0

You use an adequate range of topic vocabulary, including “financial support,” “commencing the business,” “emergencies,” and “overdependence,” which allows you to discuss the issue beyond basic terms. There are also attempts at more formal phrasing, such as “limited income generated by most youths.” However, some word choices and collocations are unnatural or imprecise: “saving of money is recommended,” “secure finances,” and “settle such bills facilitated by the finances” do not sound idiomatic. Spelling slips such as “bils” and “finaces” also reduce accuracy. Aim for simpler, precise collocations—for example, “set aside money,” “raise capital,” and “cover medical costs”—and proofread carefully.

Grammatical Range and Accuracy: Band 6.0

You attempt a mix of simple and complex structures, including a concessive opening (“Even though resources sometimes may be limited…”) and a relative clause describing sickness. Most of the meaning remains clear, but some grammatical errors occur across the response. For example, “This is can only be actualised” has an incorrect verb construction, while “a case in point, is sickness” has faulty punctuation and sentence structure. There are also agreement and form problems in “emergencies … arises,” and the phrase “When young people are growing” does not express the intended time relationship clearly. Review auxiliary verbs, subject–verb agreement, and clause boundaries. More consistently accurate complex sentences would strengthen control.

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