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)

Some argue that saving money for future is important for everyone and that includes young ones as well. I firmly agree with the statement because, people can face emergency situations without hesitations and it is a good way to reach financial stability.

An emergency situation is unpredictable. It could reach someone as a illness or as a climate disaster. No matter the way it reaches someone, people need to be ready to face an emergency at any given time. For instance, Sri Lanka recently faced a flood that destroyed property of many citizens. However, Sri Lankan were used to save money from young age and almost everyone had enough savings to restore their life without requesting aids from others. That is a prime situation people face an emergency without a warning and how to recover if you had savings.

A number of people are under constant stress to reach financial stability. People are afraid to take a risk because they do not have a safety net. In the UK, citizens are scared to follow their dream because they do not have a saving. Since their childhood, they used to spend money without any reserves for later. Therefore, even as an adult, they are struggling to develop the habit of saving money. However, on one hand, there are handful of people are taking financial risks even without a saving and reached the goals. On the other hand, because they took the risk without and saving, claimed bankruptcy.

In conclusion, I strongly believe that saving money is a important habit and it should be exercised at young age. Otherwise, people can be financially unstable and will have a hard time facing emergencies.

AI examiner evaluation

Task Achievement / Task Response: Band 6.5

Your position is clear from the introduction to the conclusion: you strongly agree that saving should begin early, and you give two relevant reasons—preparing for emergencies and building financial stability. The flood example helps illustrate the first point, while the discussion of risk-taking relates to the second. This meets the task well, and the response shows some development beyond simply stating an opinion. However, the examples are asserted rather than fully explained: the claim that Sri Lankans generally had enough savings, for instance, needs support or qualification. The UK example is also broad, and the contrast between people who take risks and those who go bankrupt is not clearly tied to why young people should save. Develop these links more precisely to make the argument more complete.

Coherence and Cohesion: Band 6.0

The response has a clear overall structure: an introduction, two body paragraphs organised around separate reasons, and a conclusion that restates your view. This makes the main line of argument easy to follow. You also use linking expressions such as “For instance,” “Therefore,” and “On the other hand.” At times, however, connections are mechanical or unclear. The sentence beginning “That is a prime situation” does not clearly explain how the example proves the point, and “On the other hand” introduces a contrast that is difficult to follow because the two groups are not clearly defined. Some references, such as “they” in the discussion of risk-taking, could also be more precise. Use clearer links between each example and its supporting claim.

Lexical Resource: Band 6.0

You use an adequate range of vocabulary to discuss saving, emergencies, and financial security, including “unpredictable,” “safety net,” “financial stability,” and “bankruptcy.” These choices help communicate the main ideas, and you attempt some topic-specific phrasing. However, several word choices and collocations are inaccurate or unnatural, such as “reach someone as a illness,” “requesting aids,” and “without and saving.” “Saving” is also repeated frequently, and phrases such as “a saving” do not express the intended meaning naturally. Aim for more precise combinations, for example, “face an emergency,” “seek assistance,” and “have savings.” A broader set of expressions for financial preparation would also reduce repetition and make the argument sound more fluent.

Grammatical Range and Accuracy: Band 5.5

You use both simple and complex sentence forms, including a conditional idea in “if you had savings” and a contrast introduced by “On the other hand.” Most sentences communicate the intended meaning, but some grammatical errors remain and occasionally make relationships less clear. Examples include “because, people” (the comma is unnecessary), “as a illness” (article agreement), “Sri Lankan were used to save” (number and verb-form problems), and “there are handful of people are taking” (faulty clause structure). The final sentence also needs “an important habit” and “at a young age.” Work on articles, subject–verb agreement, and forming clauses after expressions such as “there are.” More accurate control of these patterns would strengthen your otherwise understandable argument.

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