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)

Saving money for the future, is very crucial for everyone including teenagers. I agree with this opinion because savings money can help a person i difficult times. It also free a person from extra spendings.

A person who save money for emergencies always get saves from loans. He has no need to beg to the other. The reason is this you have enough money to meet expenses. Whenever, a person got run out of money and he had no other way to get funds. Saving is the only option which he conserve during his healthy days. If a person do not save money, he will helpless in difficult times. Once i need money to buy a game but i have no capital left to supend. Then, I broke my moneybank and i bought myself a game.

Conserve money also assist inviduals to get rid of useless spendings. It also make him enable to control himself when he have a keen to spend money, no matter what. Best way to save cash is buying a moneybank and saving pocketmoney in that piggybank. Once I want to save money for buying a bicycle. My parents didnot agree to provide me money because of the some personal reasons.So i bought money bank then conserve some money. After one year, I bought a cycle, easily.

To conclude, I would say that saving money can save us in difficult times. It also enables us to get rid of consuming extra money.

AI examiner evaluation

Task Achievement / Task Response: Band 5.5

Your position is clear: you agree that saving is important, and you give two relevant reasons—preparing for emergencies and avoiding unnecessary spending. The examples about buying a game and saving for a bicycle help make the points personal. However, the discussion is only partly developed: the emergency example is difficult to follow, and the bicycle example mainly describes what you did rather than explaining more broadly why saving matters for young people’s future. The conclusion repeats the main points without adding much. Also, the response is 4 words below the required minimum. To strengthen the response, explain each reason more fully and connect the examples directly to future financial security, such as education or unexpected costs.

Coherence and Cohesion: Band 5.5

The response has a basic overall structure, with an introduction, two body paragraphs and a conclusion. The two main reasons are separated into paragraphs, which helps the reader identify the intended organisation. However, progression within the paragraphs is sometimes unclear, especially in the emergency discussion: “Whenever, a person got run out of money and he had no other way to get funds” does not connect smoothly to the following sentence. Linking phrases such as “The reason is this” and “To conclude” are used, but some connections feel mechanical or inaccurate, and ideas are repeated in the conclusion. Use clearer topic sentences and arrange each paragraph as reason, explanation, then example; also check that pronouns and transitions make the relationships between ideas explicit.

Lexical Resource: Band 5.0

You use a small range of topic-related vocabulary, including “emergencies,” “expenses,” “loans,” and “pocketmoney,” and the reader can generally understand your main points. However, vocabulary is repetitive, particularly around “money,” “save,” and “spendings,” and several word choices or forms are inaccurate enough to make parts difficult to interpret. Examples include “get saves from loans,” “conserve money,” “inviduals,” and “supend.” Some expressions, such as “moneybank,” are not natural English. Build a more varied set of accurate phrases for financial security and spending, and check spelling and word forms. More precise collocations would make your explanations clearer without requiring unusually advanced vocabulary.

Grammatical Range and Accuracy: Band 5.0

You attempt both simple sentences and longer conditional or time-based structures, for example, “If a person do not save money, he will helpless in difficult times.” This shows an effort to express cause and consequence, but the longer structures are often faulty, and errors occur frequently in verb forms, agreement, articles and punctuation. Examples include “A person who save,” “It also free,” and “Once i need money,” where the verb form or capitalisation is incorrect; “he will helpless” also needs a linking verb. Several sentences contain multiple errors, which can make the intended meaning hard to follow. Practise accurate present-tense agreement and complete conditional patterns, then proofread sentence boundaries and capital letters. Aim first for reliable simple sentences before adding complex clauses.

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