Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-11-12

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)

Nowadays, many people believe that saving money is an essential habit for everyone especially for young people. While some people disagree with this notion of saving money for upcoming days. They opine that living a luxury life and ease is far more important than becoming frugal and saving money for the future event that may or may not happen. I greatly agree with the statement taht saving provides financial security and help people to achieve their goals. Moreover, saved money enables one to spend one's life after retirement with comfort and ease.

Initially, saving money prepares people for unexpected situations. Life is unpredictiable and emergencies such as illness, job loss, family problem can occur at any moment. For example, COVID-19 became the cause of loss of million of jobs and people who didn't have savings became dependent on other people help and even charity. During that time, only the people who have some saved money survived.

Secondly, saving allows young people to achieve their important goals in the future. For example, students want to contiune their education, start their own business and buy a car or house.These ambitions also requires a large amount of money. Learning to save money in young age brings self-confidence and courage. In addition, I think young people who save a small amount of money and from an early age try to save a small amount to achieve their goals. Nowadays, many people want to buy luxurious items and all these necessities of life can be bought with the help of money.

To sum up with, I think young people want to save money for future and also maintain enjoy the present life and secure the future. Starting from an early age the young people gain confidence and courage to embark upon the journey of life.

AI examiner evaluation

Task Achievement / Task Response: Band 6.0

Your position is clear: you strongly agree that saving is important, and you give relevant reasons concerning emergencies, future goals, and retirement. The COVID-19 example supports the point about financial security, while education, business ownership, and buying a home illustrate longer-term aims. This addresses the task, but the ideas are not developed equally. Retirement is mentioned only in the introduction, and the second body paragraph moves from goals to confidence and then luxury purchases without explaining the links. The claim that people with savings “survived” also needs more careful qualification. To strengthen the response, explain each main reason with a specific consequence or example and keep the discussion focused on why saving matters to young people as well as everyone else.

Coherence and Cohesion: Band 5.5

The response has a recognisable structure, with an introduction, two body paragraphs signposted by “Initially” and “Secondly,” and a concluding paragraph. The main points are generally easy to identify, and examples follow the relevant claims. However, progression is uneven: the second body paragraph shifts among education, business, purchases, confidence, and luxury items, so the central argument becomes less clear. Some linking is mechanical, and the conclusion introduces the idea of enjoying the present without developing it earlier. There is also an incomplete sentence beginning “In addition, I think young people…” that interrupts the flow. Group related points more tightly, use clear references to connect sentences, and ensure each paragraph develops one main idea.

Lexical Resource: Band 5.5

You use a reasonable range of topic vocabulary, including “financial security,” “unexpected situations,” “retirement,” and “achieve their goals.” These expressions help communicate the main argument, and the meaning is usually understandable. However, several word choices, collocations, and spelling errors reduce precision: “living a luxury life,” “upcoming days,” “family problem,” and “other people help” are not natural in context. There are also misspellings such as “unpredictiable,” “contiune,” and “taht.” Some repetition of “save money” and “small amount of money” limits variety. Aim for accurate, natural combinations and proofread spelling; for example, use “save for the future” and “financial assistance from others” where appropriate.

Grammatical Range and Accuracy: Band 5.5

You attempt both simple and more complex sentence forms, including a conditional idea about emergencies and a relative clause in “the future event that may or may not happen.” Most of the argument remains understandable, but some grammatical errors affect clarity and control. For example, “saving provides financial security and help people” has a subject–verb agreement error, while “These ambitions also requires” has the same issue. The sentence beginning “In addition, I think young people…” is incomplete and repeats an earlier idea. Other patterns, such as “people who have some saved money survived,” need more consistent tense control. Review agreement, sentence completeness, and verb forms, and check punctuation around longer sentences.

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