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)

Money is medium of exchange and we use it to buy all essentails of our daily life. It is used to buy food, house, clothes etc. It is alos used to pay as a fee to gey education and any other services. Similarly it is used to get health isurance and health tratments. It is equally important for older and young people.

Life is full of uncertainities, any incident can happen anytime. Therefore saving of money is crucial for unforeseen circumstances. Elderly people may get some social or state benfits to manage the unavoidable circumstancesbut the young people they need to meet their expenses at their own. Therefore, they need to save more money. They might have to self fund their education and helath. As a young people if they get marry, they will have to pay the bills, provide food and shleter to their families. They would be responsible to fullfill the needs of their families and their off springs.

Inflation is increasing day by day and everybody has limited resources to meet their wants and needs. Saving money for future is a healthy activity and one feel secure and confident while having own savings. In case of any casulity, accident or bad circumstances one can afford to survive whule utilizing saved money. Youg people are energitic and zeleous so they can save more and can prepare themselves for unforseen future better. Money provides social safety, personal security and self confidence. It grooms the personality of the holders as money has great utility which never goes down or deline. Therefore, it is concluded that saving money is crucial to meet the future needs and everyone should save it to maxmize their utility and confidence.

AI examiner evaluation

Task Achievement / Task Response: Band 6.0

Your position is clear: you agree that saving is important for everyone, and you give relevant reasons, including unexpected events, education, family responsibilities and inflation. The conclusion also restates your view. This addresses the task, but some points are more fully explained than others. For example, the discussion of young people’s future family costs gives several details, while the claim that savings build confidence and “groom” personality is asserted rather than explained. The comparison with older people receiving state benefits is also broad and would benefit from qualification or an example. To strengthen the response, develop fewer reasons in greater depth and include a specific, relevant example showing how saving helps someone meet a future need.

Coherence and Cohesion: Band 5.5

The response has a recognisable overall structure: it introduces money’s uses, develops reasons for saving, and ends with a conclusion. Ideas are generally grouped by topic, and linking expressions such as “Therefore,” “Similarly” and “In case of” help show relationships. However, progression within the main paragraph is sometimes loose: it moves from social benefits to education, marriage and family costs without clearly signalling how each point builds the argument. Several transitions are also repetitive, particularly the repeated use of “Therefore,” and some references, such as “they” in the discussion of young people, could be clearer. Use distinct paragraphs for separate reasons and connect each example directly to the claim it supports.

Lexical Resource: Band 5.5

You use a relevant range of vocabulary for the topic, including “unforeseen circumstances,” “limited resources,” “social safety” and “personal security.” These choices help communicate the main ideas, and the meaning is usually recoverable. However, spelling errors are frequent and sometimes distract the reader, for example “essentails,” “uncertainities,” “benfits,” “casulity” and “maxmize.” There are also several inaccurate or unnatural word combinations, such as “saving of money,” “self fund their education” and “money has great utility which never goes down.” Aim for accurate, natural collocations and proofread carefully. More precise wording would make the argument clearer without requiring more complicated vocabulary.

Grammatical Range and Accuracy: Band 5.5

You attempt both simple and more complex sentence forms, including a conditional construction in “If … they get marry, they will have to pay the bills” and a reason-result structure beginning “Therefore.” Most of the argument remains understandable, but some grammatical errors affect clarity and control. For example, “Money is medium of exchange” needs an article, “as a young people” has an agreement problem, and “the young people they need” has an unnecessary repeated subject. The sentence beginning “Elderly people may get…” also runs into the next clause without clear punctuation. Practise articles, subject–verb agreement and sentence boundaries, then check each sentence for a clear subject and verb. This will make your varied structures more reliable.

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