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)

In this contemporary era, it is significant for individuals to save money for their coming times together with youngsters. I largely agree with this point, as saving is the part of the life as well as it's in human nature.

To begin with, It is often seen that money plays an important role in people's life. For instance it is seen that there are many types of individuals who live their own life and they don't care about their future. While, funds saving technique was running from past times if anyone want to survive they have to start saving.

Moving further ahead, those who live in urban areas has much pressure as compare to the people who live in rural areas because there is so much competition and if someone spent their assets recklessly they will face many consequences. Moreover, there's so much health issue's a human was facing for instance, it must be a depression or any mental issues as a result they will start saving for their good life and mainly for their children's. On the other hand if someone was pursuing college or work any specific field they has to save their assets for their bright future. if someone has a habit to save their money in their's 20s so they will become a well known character.

In conclusion, I agree with this point all ages of individuals should be concerned about money and don't have to spend rashly it's good for themselves and their families. Moreover from the past time there are many people who save their money for their children's so they will live a desire life and they don't have to struggle the way their fathers do.

AI examiner evaluation

Task Achievement / Task Response: Band 5.5

Your position is clear in the introduction (“I largely agree”) and conclusion, and you give relevant reasons, including preparing for future needs, avoiding the consequences of reckless spending, and supporting children. However, the response only partially develops the argument. Several points are asserted rather than explained: for example, the link between urban competition and the need to save is not illustrated, and the reference to depression and other health issues is unclear as a reason for saving. The discussion also shifts between young people, adults, and parents without fully explaining why saving is important for everyone. Develop two or three central reasons with specific explanations or examples, and make the extent of your agreement consistent and explicit throughout.

Coherence and Cohesion: Band 5.5

The response has an introduction, two body paragraphs, and a conclusion, so the reader can identify its broad structure. You also use signposts such as “To begin with,” “Moving further ahead,” and “In conclusion.” However, progression within the body paragraphs is not always clear: the second paragraph moves from urban pressure to health issues, college or work, and saving in one’s twenties without showing how these points connect. Some linking phrases, including “While” and “On the other hand,” do not express a clear contrast. Repeated references to saving and the future also make the development feel circular. Group related reasons into separate paragraphs and use linking words only where their logical relationship is clear.

Lexical Resource: Band 5.0

You use some topic-related vocabulary, including “funds,” “assets,” “recklessly,” “competition,” and “consequences,” which helps communicate the general subject. However, the range is limited and several choices or combinations sound unnatural or obscure the intended meaning. For example, “coming times” is an awkward way to refer to the future, “funds saving technique” is unclear, and “a well known character” does not convey a precise benefit of saving. There are also repeated general terms such as “money,” “future,” and “life.” Aim for accurate, natural collocations and more precise wording, such as describing financial security, future expenses, or saving habits. Check word forms and spelling, including “issues” rather than “issue’s.”

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and longer sentences, including conditional structures such as “if someone spent their assets recklessly they will face many consequences.” However, complex sentences are often faulty, and errors in agreement, tense, articles, and punctuation occur frequently enough to make some sentences difficult to follow. Examples include “those who live in urban areas has,” “they has to save,” and “if someone was pursuing college,” where the verb forms do not agree with the subject or fit the intended meaning. Capitalisation and sentence boundaries are also inconsistent, as in the lowercase “if” after a full stop and the comma splice in “For instance it is seen.” Practise accurate subject–verb agreement and build longer sentences from correctly controlled clauses.

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