Band 6.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.0 · Cambridge IELTS 19 · 2026-11-13

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)

Financial discipline is one of the major challenges faced in developed and developing countries. It is important for every individual to save money for rainy days regardless of age. I strongly agree with this statement.

Saving money for the future is cardinal in one's life. There is need to start nurturing the young generation as early as possible so that when they grow up, financial saving becomes a habit and not a burden.

Although children may have challenges because they are not financially stable, coaching them to save as little funds as they get hold of is necessary, for instance, the little money that they get from guardians as a reward can be saved in a piggybank.

When it comes to adults, financial savings is more significant and calls for financial discipline, especially with the economic demands, it may be viewed as a stressful act but eventually, it may save a life at the end. Life is full of unexpected eventualities, hospital bills, house bills and other necessities may come abruptly and if savings are available, they may assist to sort out the said bills.

Salaries and wages may not be enough to set aside savings therefore; it is important for someone to have a side hustle to cushion the insufficient salary.

Adults and young people can engage themselves in saving groups that can allow periodic contribution and distribution with interest, in this way, money grows with interest.

In conclusion, financial savings assist during rainy days and must be encouraged from inception.This helps to reduce financial stress.

AI examiner evaluation

Task Achievement / Task Response: Band 6.5

Your position is clear from the introduction—“I strongly agree”—and the response addresses saving by both young people and adults. Relevant support includes teaching children to save pocket money and using savings to meet unexpected medical or household costs. The suggestion of saving groups also adds a practical example. This meets the task well, but the development is uneven: the point about adults’ financial discipline is explained, while the claim that people should have a “side hustle” is introduced briefly and not clearly connected to the central argument. To strengthen the response further, explain why saving is important for young people’s own future, and develop each example with a clearer consequence or illustration. The position is sound, but some ideas need fuller support and precision.

Coherence and Cohesion: Band 6.0

The response has a clear overall structure: an introduction, paragraphs focused on young people and adults, and a conclusion. The progression from building a habit early to handling adult expenses is logical, and phrases such as “Although” and “In conclusion” help signal relationships. However, some links feel mechanical or unclear. The paragraph beginning “Salaries and wages” shifts to side jobs and saving groups without a clear transition from the previous discussion of unexpected bills. The final sentence, “This helps to reduce financial stress,” also has an unclear reference. Improve cohesion by making the connection between each paragraph explicit and using pronouns only when their referents are unmistakable. More deliberate paragraph development would make the argument flow more smoothly.

Lexical Resource: Band 6.0

You use an adequate range of vocabulary for the topic, including “financial discipline,” “financially stable,” “unexpected eventualities,” and “periodic contribution.” These choices help communicate the main ideas, and the meaning is generally clear. There are, however, several awkward or imprecise collocations that limit naturalness, such as “saving money is cardinal in one’s life,” “sort out the said bills,” and “distribution with interest.” “House bills” is also less precise than the intended meaning. Aim for common, accurate combinations rather than formal-sounding expressions that do not quite fit. For example, describe saving as “essential,” bills as something savings can “cover,” and a group’s returns as interest or dividends. This would make your vocabulary more precise and fluent.

Grammatical Range and Accuracy: Band 5.5

You attempt a mix of simple and complex structures, including the concession in “Although children may have challenges…” and the conditional idea “if savings are available, they may assist…”. Most sentences remain understandable, but some grammatical and punctuation errors reduce control. For example, “There is need to start” is missing an article, and “especially with the economic demands, it may be viewed…” joins clauses awkwardly. The sentence beginning “Salaries and wages may not be enough…” also uses a semicolon where the relationship between the clauses needs clearer punctuation or a conjunction. Review articles, clause boundaries, and punctuation in longer sentences. Building accurate complex sentences will help you express the relationships between ideas more clearly.

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

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