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)

It is important for everyone, including young people, to save money for their future. I agree with this statement because I think overspending on unnecessary things is a very bad habit and everyone should be responsible about spending money. If you do not save money and overspend on unessential things it can cause you difficulty in future when you need money for something crucially important.

Every parent should start by saving money theirselves because if they do not save money and spend it on useless things they might not be able to provide all the needs of their children. Children grow up watching their parents doing things and learning from them. So if a parent does not save money and make useless purchases their children will learn from them and they will also not save money and spend it wisely. If they are taught at young age how to spend money accurately and also try to save it. It will help them in future. It is crucial for everyone to save money irrespective of their age.

If you overspend on everything and do not save your money then you will not have any money in the future when you need it. Like if you want to go to abroad or make any investment you might not have any expenses. In such cases, if you take loan from the bank you have to return it with interest on it. In such cases, students who go to abroad to study have debt on them and then they have to work overtime to pay the loan, university fee, accummodation rent and also need money for their food and basic needs. It is when they truly realize the worth of money and then they regret overspending on unneeded things and wish that they might have had save some money too.

In my conclusion, everyone should save money irrespective of their age because when you need money in future you have money and you do not need to loan it from the bank for your expenses and then working overtime to pay it.

AI examiner evaluation

Task Achievement / Task Response: Band 6.5

Your position is clear from the opening: you agree that everyone should save, and you maintain this view in the conclusion. You address the role of parents and the practical consequences of having no savings, including borrowing for overseas study and repaying a loan. These relevant examples show the task is understood. The response also meets the required length; 14 words copied from the prompt were excluded from the count. To strengthen the response further, develop some points more fully: the claim that parents should save for their children is explained mainly through imitation, while the overseas-study example could clarify how regular saving would prevent or reduce debt. A more specific example or qualification would make the reasoning more convincing and less general.

Coherence and Cohesion: Band 6.0

The response has a clear overall arrangement: it introduces your view, develops two supporting paragraphs, and ends with a conclusion. The progression from parental example to future expenses is understandable, and phrases such as “So” and “In such cases” help connect ideas. However, cohesion is sometimes mechanical or repetitive. “In such cases” appears twice close together, and repeated references to overspending and saving make the argument feel circular. Some links between ideas are also abrupt, particularly the move from parents’ habits to children’s future financial behaviour. Use clearer topic sentences and vary your linking language; ensure each paragraph develops one main point in a deliberate sequence. The final paragraph largely repeats the introduction rather than drawing together the reasons.

Lexical Resource: Band 5.5

You use enough vocabulary to communicate the topic, including relevant terms such as “investment,” “interest,” “debt,” and “basic needs.” There are also attempts at more specific expressions, such as “unessential things” and “crucially important.” However, the range is limited by repeated wording—especially “save money,” “overspend,” and “useless things”—and several choices or collocations are inaccurate or unnatural. For example, “have any expenses” does not express having funds available, and “go to abroad” is not idiomatic. Spelling errors such as “accummodation” also reduce accuracy. Build a more varied set of precise financial terms and check common word partnerships so that your meaning sounds natural as well as clear.

Grammatical Range and Accuracy: Band 5.5

You attempt both simple and complex sentences, including conditional structures such as “If you do not save money … it can cause you difficulty” and explanations using “because” and “when.” The main ideas remain understandable, but some grammatical errors occur across the response, and control is not yet consistent. For example, “Every parent should start by saving money theirselves” has an incorrect reflexive pronoun, while “If they are taught at young age … It will help them” contains an article omission and an incomplete connection between clauses. In “they might have had save some money,” the verb form is also faulty. Practise accurate clause joining, articles, pronouns, and verb patterns, then proofread for sentence fragments and punctuation. More reliable control of these structures would make the argument easier to follow.

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