Band 6.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.0 · 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 6.0)

Nowadays, It is essential for everyone to save money for their upcoming time despite of their age. I strongly agree with this view because saving will help you to survive in the hard time or in any unexpected situation, circumstances and also help to achieve long term and financial stability.

To begin with, saving money will definitely help to face the difficult time alone rather than asking for loans or getting mentally pressured. For example, during any unexpected and unforeseen circumstances people who have their savings are more mentally relaxed then the one who have saved nothing. Without saving they might get into financial trouble and debt result in difficult to pay back.

Furthermore, another reason to save money for the future is to become financially and mentally stable and survive without any help. With the financially stability, they can support their wants and needs such as, treatments, education and other necessary requirements. In the modern world, they can use that saving amount for the investment purposes from where they get return in the form of interest, dividends or capital gain. Apart from this other types of investment can be done for increasing the saving amount

In conclusion, saving amount for the future is crucial for everyone. It not helps you in order to fulfil you desire needs but also open the gateway for access you wants that a person wants in his life. Developing the habit of saving early in life ensure that a person remains stable and independent regardless of what happens in the world.

AI examiner evaluation

Task Achievement / Task Response: Band 6.5

Your position is clear from the introduction: you strongly agree that everyone should save, and the conclusion reinforces the importance of starting early. You give relevant reasons, including coping with unexpected difficulties and supporting needs such as treatment and education. The investment point also adds a useful dimension. However, the first reason is explained more fully than the second, and several claims remain general: for instance, you mention financial pressure and debt without illustrating a specific situation or explaining how savings would help. To strengthen the response, develop each main point with a concrete example and explain its connection to the benefits of saving. This would make the support more consistently extended while retaining your clear response to the task.

Coherence and Cohesion: Band 6.5

The response has a clear overall structure: an introduction, two body paragraphs signposted by “To begin with” and “Furthermore,” and a conclusion. The ideas generally progress from protection against hardship to longer-term stability, so the reader can follow your argument. Some linking is effective, particularly the contrast between having savings and needing loans. However, transitions can feel mechanical, and the investment discussion is added at the end of the second body paragraph without a clear explanation of how it relates to financial stability. The final paragraph also repeats earlier claims rather than drawing them together. Use links that show precise relationships between ideas, and organise each paragraph around one central point with supporting explanation.

Lexical Resource: Band 6.0

You use an adequate range of topic vocabulary, including “unexpected circumstances,” “financial stability,” “investment,” “interest,” “dividends,” and “capital gain.” These choices show an effort to discuss both emergency savings and future planning. Some less common expressions are not used naturally or precisely, however: “upcoming time,” “financially stability,” and “investment purposes” weaken fluency, while “access you wants” is unclear. There is also repetition of “saving” and “future.” Aim for accurate collocations and word forms, such as “the future,” “financial stability,” and “invest for a return.” Varying repeated terms with context-appropriate alternatives would make the argument more precise without requiring unnecessarily complex vocabulary.

Grammatical Range and Accuracy: Band 5.5

You attempt a mix of simple and complex sentences, including clauses beginning “because,” “rather than,” and “from where,” and most of the meaning remains understandable. Some grammatical errors nevertheless occur across the response. For example, “people who have their savings are more mentally relaxed then the one who have saved nothing” has problems with comparison and subject–verb agreement; “It not helps you” has incorrect auxiliary construction; and “Developing the habit … ensure” needs agreement between the subject and verb. Sentence boundaries and punctuation also need attention, particularly in the long opening sentence and the sentence beginning “Apart from this.” Review agreement, articles, and complete sentence structure, then proofread each sentence. More accurate control of these patterns would support your attempts at complex forms.

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