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 by the majority of people in the world. It is important for every individual, regardless of age to save funds for rainy days.

I strongly agree with this statement.

The young generation has a responsibility to save money for future use. It is cardinal that children are coached on how to save money right from inception so that when they grow up, financial saving may not be viewed as a burdern but a habit. For instance, children can learn to save the little money they collect from their guardian as a reward and place it in the piggybank. In this way, saving becomes a habit.

For adults and elderly, saving money may be challenging due to the rising economic demand, coupled with endless bills, little wages and salaries. Nevertheless, financial freedom must be considered to reduce financial stress, especially after retirement.

Saving groups may be considered, they allow periodic contribution and distribution of funds with interest, making money to grow.

With savings and financial discipline, an individual is able to invest and plan for retirement.

However, challenges may arise from eventualities such as hospital bills and funerals. That is the reason why early financial saving is cardinal. Other factors that can assist with financial discipline is attending seminars on how to save and invest money, coaching is done so that you are made aware of how to overcome financial eventualities.

In conclusion, saving money is very important because it saves one from distress in rainy days.

AI examiner evaluation

Task Achievement / Task Response: Band 6.5

Your position is clear from the introduction—“I strongly agree”—and remains consistent in the conclusion. You address saving by young people and by adults, and give relevant reasons, including retirement, unexpected expenses and financial stress. The example of children putting reward money in a piggybank helps make the point concrete. This meets the task well, but the development is uneven: the discussion of young people is more specific, while the advice about adults and “saving groups” is introduced briefly without explaining how it supports the argument or what limitations it may have. To strengthen the response further, extend each main reason with a clear explanation or example and connect it explicitly to why saving matters for everyone, not only children and retirees.

Coherence and Cohesion: Band 6.0

The response has a recognisable overall structure: an introduction, separate discussion of young people and adults, further points about financial planning, and a conclusion. The progression from building a habit to preparing for retirement and emergencies is generally understandable. However, some links between ideas are abrupt. For example, “Saving groups may be considered” appears without a clear transition from the preceding point, and the paragraph beginning “With savings and financial discipline” shifts quickly from investment to funerals, seminars and coaching. The repeated references to saving and financial discipline also make cohesion somewhat mechanical. Group related points into clearer paragraphs and use transitions that show whether you are adding a reason, giving an example or introducing a qualification.

Lexical Resource: Band 6.0

You use an adequate range of topic vocabulary, including “financial discipline,” “financial stress,” “retirement,” “periodic contribution” and “eventualities.” These choices show an effort to use more formal and less common language, and the meaning is generally clear. Some expressions, however, are inaccurate or unnatural in context: “cardinal” is an awkward choice for “important,” “right from inception” does not fit naturally when discussing children, and “endless bills” is less precise than a phrase such as “regular expenses.” There is also a spelling error in “burdern.” Aim for natural collocations and precise wording rather than choosing formal-sounding terms; proofreading for spelling will also improve the overall control of vocabulary.

Grammatical Range and Accuracy: Band 5.5

You use both simple sentences and some more complex forms, such as “so that when they grow up…” and “especially after retirement,” and most ideas remain understandable. There are some errors in sentence structure, agreement and punctuation. For example, “Saving groups may be considered, they allow…” joins two independent clauses with only a comma; use a full stop or a conjunction. In “Other factors … is attending seminars,” the plural subject requires “are,” and “regardless of age to save funds” needs punctuation after “age” and a clearer grammatical connection. The range is present, but control is not consistent enough for more complex sentences. Review subject–verb agreement and clause boundaries, then check each sentence for a complete, clearly connected structure.

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