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)

Nowdays, many people think that, It is important for everyone, including young people, to save money for their future. I strongly agree with this statement saving money help people deal with unexpected suituation and help to achieve their future goal.

Firstly, Saving money provide finacial security. For example If a person Loses a job , health problem and unexpected family issues in these suituation having some saving can help them to manage these problems. without browwed money from others saving money reduce the finacial stress and mentally relaxed. for if a person losses a job then they can use their saving to pay bills and but basic thing untill they get another job.

Secondly, young people should develop a habit of saving from early age. because these saving help them for manage the future expense for expense if they want to buy a house, or want to go aborad for futher study, or doing a business then they used these saving to achieve future wishes or goal . if young people save money even a small amount of money every month they fullfill their dream. For instance they can also save from part time job can be to pay the univeristies expense or fee. today young people without use sense waste the money on useless thing like enterinment , shopping or unneccessary thing even though not really need

Morever, saving money is not important for youny people but it is also benefical for every person to face unexpected cirsumstance in the lile . it provides mamangement skil for example people can learn how to manage their income wisely while they als teaches people difference bewteen want and need.

In conclusion is that young people and every person should save money in their life becuase is provides money management skill, achieve their personal goal and they can use saving emgergency

AI examiner evaluation

Task Achievement / Task Response: Band 6.5

Your position is clear from the introduction: “I strongly agree,” and the response stays focused on why saving is useful. You give relevant reasons, including financial security during unemployment or health problems, and helping young people fund study, housing, or a business. These examples show a sound response to the task. The discussion also extends beyond young people to everyone, as the prompt requires. However, some points are asserted rather than fully explained: the claim that saving teaches people to distinguish “want and need,” for instance, could be linked more clearly to the benefits of saving. To strengthen the response further, develop each main reason with a more precise explanation or example and make the conclusion’s final benefit explicit.

Coherence and Cohesion: Band 6.0

The response has a coherent overall arrangement: an introduction, two paragraphs focused on financial security and young people’s goals, a further point about money management, and a conclusion. Sequencing words such as “Firstly,” “Secondly,” and “In conclusion” help readers follow the main stages. However, cohesion is sometimes mechanical, and several sentences run together or contain unclear links. For example, the first body paragraph moves from job loss and health problems to borrowing and mental stress, then repeats the job-loss example. In the second paragraph, “for expense” and “then” do not clearly connect the examples. Use clearer sentence boundaries and vary linking methods; ensure each paragraph develops one central point without repetition.

Lexical Resource: Band 5.0

You use relevant vocabulary for the topic, including “financial security,” “unexpected,” “future expense,” and “manage their income wisely.” These phrases help communicate the main ideas, and there is some attempt to use topic-specific language. However, the range and control are limited, with repeated use of “saving,” “money,” and “future,” alongside noticeable spelling and word-choice errors such as “suituation,” “browwed,” “enterinment,” and “emgergency.” Some combinations are also unclear, including “achieve their future wishes” and “provides money management skill.” These errors can make parts of the argument difficult to interpret. Build a more accurate range of collocations and check spelling and word forms carefully, especially in key topic phrases.

Grammatical Range and Accuracy: Band 5.0

You attempt both simple statements and longer sentences with reasons and examples, so there is some variety in structure. The main message is generally recoverable, but control is inconsistent: errors in sentence boundaries, agreement, articles, and verb forms sometimes make the reader work to understand the meaning. For example, “saving money provide” needs subject–verb agreement, while “if they want to buy a house … then they used these saving” shifts tense and has an unclear structure. Capitalisation and punctuation also disrupt sentences, as in “For example If a person Loses a job.” Practise building accurate complex sentences with one clear main clause and subordinate examples, then check agreement, tense consistency, and punctuation.

See this exact question answered at other band scores. The same prompt compared across bands.

Browse more IELTS Writing model answers or get your own writing scored by the same AI examiner.