Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · 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 5.5)

It is important for everyone to save money for their future, especially young people if learned how to save money in young age, it is going to help them in their future. Some people argue that saving money is as hard as earning it. This essay will discuss importance of saving money and how it is going to help you in your coming years of life.

Many people find it really difficult to save money possibly because needs and hobbies. Individuals who generate bare minimum are unable to save money because of needs. Inflation have affected many people and they are hardly managing daily expenses. People are unable to afford food, clothes, education, and medical expenses due to high inflation. Simarly, many individuals do not save money because of their hobbies. People who were not able to buy things when they were very young, usually spent all their money on things they once liked but they do not have money to buy them. Researches shows that individuals who were very poor in their early years of life spent more money on material things once they start earning; like on games, cars, phones and clothes. Many previledge kids get spoiled in their young age because they do not get proper education about the value of money and they behave similarly when they start earning by themselves.

Their is a famous line about the value of money is that you are just one accident away from knowing the value of money and savings. Savings are important to everyone because what you are earning may not able to earn same tomorrow. Saving is essential for emergency and future dreams. You may think that with little savings what can you possibly do but when hard times occur even few dollars like millions.

AI examiner evaluation

Task Achievement / Task Response: Band 6.0

You take a generally clear position in favour of saving, and the response includes relevant reasons: financial pressure from inflation, the difficulty of meeting basic needs, and the value of savings during emergencies. The examples about future purchases and unexpected hardship help address why saving matters. However, the discussion of people’s spending habits and “privileged kids” is not always clearly connected to the main argument, and several claims are asserted rather than explained. The task asks how far you agree or disagree; make this extent explicit and maintain it throughout. To develop the response further, explain how young people can benefit specifically from saving early, and support each main reason with a clearer example or consequence.

Coherence and Cohesion: Band 6.0

The response has a recognisable overall structure: an introduction, a paragraph about barriers to saving, and a final paragraph explaining its importance. Ideas within the second paragraph are grouped around low income and hobbies, and linking expressions such as “Similarly” and “because” help show relationships. However, the progression is not fully controlled: the discussion of privileged children shifts the focus, and the final paragraph introduces a quotation-like saying without developing it. Some references, such as “they” and “what you are earning,” are not fully clear, while repeated use of “people” and “money” makes the flow feel mechanical. Use a more direct sequence—position, reason, explanation, example—and make links between paragraphs explicit.

Lexical Resource: Band 5.5

You use enough vocabulary to discuss the topic, including relevant terms such as “inflation,” “daily expenses,” “medical expenses,” “emergency,” and “material things.” These choices make the general meaning understandable. However, word choice, spelling, and collocation are often inaccurate or repetitive, which limits precision. Examples include “generate bare minimum,” “Researches shows,” “previledge kids,” and “hard times occur even few dollars like millions.” Some phrases are difficult to interpret, especially the final comparison. Aim to use common, accurate collocations rather than forcing unusual expressions, and check spelling carefully. More precise language for income, spending priorities, and financial security would help you express your ideas more clearly.

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and more complex sentences, including clauses with “because” and “when,” and the response is generally understandable. However, errors in sentence construction and agreement occur often enough to make some ideas difficult to follow. For example, the opening joins two complete ideas without a clear sentence boundary, “Inflation have affected” has incorrect subject–verb agreement, and “what you are earning may not able to earn same tomorrow” is missing grammatical elements. The sentence beginning “Their is a famous line” also has an incorrect form and an awkward structure. Practise building complete sentences with a clear subject and verb, checking agreement and articles, and separating long sentences when their clauses are not properly connected.

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