Band 6.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.0 · 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 6.0)

Savings are significant for everybody as well as the young individuals, however it can be used in their coming years. I believe that the savings plays the crucial role in everyone"s life. Yet there are some disadvantages of it, whether an harmful way. moreover savings allows individuals to achieve their future goals and become financially independent without depend on others.

overview, savings money is very important because it helps people in difficult situations. some times people face unexpected problems such as losing their jobs or having medical expenses and their children college and coaching fees which is they afford on their savings. Save money help them manage their needs without borrowing money from others,moreover young people can also save money for their future goals and higher educations and their personal expenses like outing with friends and going with parties.

Secondly, savings money teach peoples how to manage their expense in a better way. It also develop good financial habit, especially among young individual. For example, people who save money regularly can avoid unnecessary spending and make better decisions about their future. In my opinion, everyone should develop this habit because it makes their life more comfortable and secure.

In conclusion, I completely agree that saving money is essential for everyone, especially young people. It helps individuals deal with unexpected problems, achieve their future goals and become financially independent. Although saving money may sometimes be difficult, everyone should develop this habit because it can provide a better and more secure future.

AI examiner evaluation

Task Achievement / Task Response: Band 6.5

Your position is clear: you completely agree that saving is important, and the conclusion restates this view. You address relevant reasons, including preparing for job loss or medical costs, funding education and personal goals, and developing financial independence. These points answer the question and are supported with a practical example of regular saving helping people avoid unnecessary spending. However, some ideas are more fully addressed than others: the discussion of young people’s future needs is brief, and the claim that saving makes life “more comfortable and secure” could be explained with a specific example. The opening also mentions disadvantages without developing them. To strengthen the response, extend each main reason with a clear explanation or example and keep the discussion consistently focused on the extent of your agreement.

Coherence and Cohesion: Band 5.5

The response has a recognisable structure, with an introduction, two body paragraphs and a conclusion. The ideas generally move from financial protection to developing good habits, and the final paragraph effectively summarises your position. However, progression within paragraphs is sometimes difficult to follow. The first body paragraph combines emergencies, children’s education costs, young people’s goals and social activities without clearly showing how these examples connect. Linking phrases such as “moreover” are repeated, and the opening “overview” does not function naturally as a transition. Some punctuation also runs ideas together, as in “others,moreover young people.” Organise each paragraph around one main reason, use clear topic sentences, and connect examples to that reason with more precise referencing and transitions.

Lexical Resource: Band 5.5

You use relevant vocabulary for the topic, including “unexpected problems,” “financially independent,” “unnecessary spending” and “secure future.” These expressions help communicate your main ideas. However, the range is limited by repeated use of “savings” and “money,” and several word combinations or forms are unnatural, such as “savings money,” “higher educations” and “manage their expense.” These choices sometimes make the reader pause to interpret the intended meaning. Aim to use a broader set of accurate financial terms and check whether nouns are countable and whether words naturally combine. For example, “build an emergency fund” or “cover education costs” would express your ideas more precisely and reduce repetition.

Grammatical Range and Accuracy: Band 5.5

You attempt both simple and more developed sentences, including a conditional example beginning “people who save money regularly can avoid…” and a sentence explaining that savings help people manage needs without borrowing. The overall meaning is usually understandable, but some errors in agreement, articles, verb forms and sentence construction remain. For instance, “the savings plays” has a subject–verb agreement problem, while “without depend on others” needs a different verb pattern. The opening sentence also joins contrasting ideas unclearly, and punctuation is inconsistent, including missing spaces after commas and lower-case sentence openings such as “moreover.” Practise checking each sentence for a clear subject and verb, and use a wider range of accurate complex structures rather than joining several ideas loosely.

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