Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-11-14

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 has become more crucial topic in many parts of the world. Nowadays, many individuals believe that saving is the necessary for everyone's life because save money lead us towards the peaceful life and also individuals use this money as emergency funds. I completely agree with people who save money because it will also helps us in future to take risk without any hesitation.

The major concerns about saving money is protect their future with troubles; people want to take risk in their life but lack of resources is deter to take risk. Saving is also make a mind free with tension of job or others kind of misbehaviour in their life. As a result, they easily faced any situation in their life with the help their saving. For instance, if a person saves money for future, this will help him to secure from difficulties of life. However, saving also provide a comfortable environment to enjoy their life with any age.

Furthermore, the habit of saving is a positive impact on everyone's life, many wealthy individuals having this habit and convert it into a beneficial way for them. Wealthy people not wealthy because they have plenty of money, they have a admirable mindset. Numerous people work in factories, but some special mindset individuals make it a way of earning and grab the opportunity after a while, they make them a business for using their mindset and also saving is the main priority to spend in their business. Therefore, they become a businessmen in future, everything is possible when you have a clear mindset about money.

In conclusion, although many individual save money to protect their future, I completely agree this statement because saving is also one of the best way to take risk and make it better for yourself.

AI examiner evaluation

Task Achievement / Task Response: Band 6.0

Your position is clear from the introduction and conclusion: you completely agree that saving is important. You give relevant reasons, including financial security during difficulties and using savings to take risks or start a business. These points address the topic, but they are not developed equally. The emergency-fund idea is illustrated only generally, while the business example is difficult to follow and does not clearly explain how saving enables someone to move from factory work to business ownership. The discussion also focuses mainly on adults and wealthy people, so the importance of saving for young people could be addressed more directly. Explain one or two examples in greater detail and connect each explicitly to your position.

Coherence and Cohesion: Band 6.0

The response has a recognisable overall structure: an introduction, two body paragraphs presenting reasons, and a conclusion that restates your view. Linking expressions such as “Furthermore,” “For instance,” and “Therefore” help signal the direction of the discussion. However, some connections are mechanical or unclear, and several sentences combine ideas without showing their relationship. For example, the paragraph about wealthy people moves from their mindset to factory workers, business opportunities, and saving without a clear sequence. References such as “this” in “this will help him” are also general. Organise each body paragraph around one main reason, then explain it and give a specific example; use linking words only where they clarify the relationship.

Lexical Resource: Band 5.5

You use a range of topic-related vocabulary, including “emergency funds,” “resources,” “beneficial,” and “opportunity,” and your meaning is generally understandable. There are also attempts to express more complex ideas about financial security and entrepreneurship. However, inaccurate word choice and collocations sometimes make the message awkward or unclear. Phrases such as “make a mind free with tension,” “misbehaviour in their life,” and “make them a business” do not express the intended ideas naturally. Some wording is also repetitive, particularly repeated references to “saving,” “money,” and “future.” Build precision by learning common combinations such as “reduce financial stress,” “face difficulties,” and “start a business,” and vary repeated terms where appropriate.

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and more complex sentence forms, including clauses introduced by “because,” “if,” and “although.” This gives the response some variety, and the main position remains understandable. However, errors in verb forms, agreement, articles, and sentence construction occur across the response. Examples include “saving is the necessary,” “because save money lead us,” “it will also helps,” and “the habit of saving is a positive impact.” Some sentences also join independent ideas with commas, as in “the habit of saving is a positive impact on everyone's life, many wealthy individuals having this habit.” Review subject–verb agreement and verb patterns, and practise separating complete sentences or joining them with an appropriate conjunction. Aim to make complex sentences accurate before adding further complexity.

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