Band 7.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 7.0 · Cambridge IELTS 19 · 2026-07-27

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 7.0)

Some people believe that for individuals, including adolescents, to save money for their future. I completely agree with the statement, therefore I believe that conserving funds for the future could bring many opportunities for people. Although it can be challenging for young people, especially students to consistently save and manage their finances, I agree that the positive aspects of this habit can outweigh the negative impacts.

The main reason why people save money is to spend it on more crucial things, not on trivial ones. They can use the saved money later on their university fees, travelling expenditures and to enhance the time for their leisure activities. For instance, a student in a high school could start saving up to be able to buy a smartphone later on. It is achievable for a student to collect small amount of money on a daily basis, to get their desired equipment. Additionally, people would learn to be disciplined as they make this a habit. Researchers in the UK indicated that, people who started saving up at a young age, tend to become more reserved, patient and ambitious later on.

The only drawback is that it would require long-term commitment. For young people, it can be difficult not to spend their money immediately as they are more distracted than adults. Children and teenagers desire to obtain things that are appealing, for instance, clothes and accessories. Some even spend it on excess food, such as at KFC and Pizza Hut hut, which consequently leads them to stay financially broke. Nevertheless, they can approach it with different strategies like, starting another savings account or giving it to their caregivers to save it for future.

In conclusion, I absolutely agree that saving money can play vital role in your financial life. Although, it is believed that young people are drawn away from this habit, I assume it can be fixed through discipline and time.

AI examiner evaluation

Task Achievement / Task Response — Band 7.5

The response addresses all parts of the prompt and maintains a clear position throughout. You have provided relevant reasons for saving money, such as financial discipline and future security, and included a counter-argument regarding the difficulties young people face. The ideas are generally well-developed, though the example of buying a smartphone is somewhat simplistic for an academic essay. To reach a higher band, ensure that your arguments are more sophisticated and focus on broader societal or long-term economic implications rather than just personal consumer habits. Overall, the response is well-focused and directly answers the prompt.

Coherence and Cohesion — Band 7.0

The essay is logically organized with a clear introduction, body paragraphs, and a conclusion. Each paragraph has a central theme, and you use cohesive devices such as 'Additionally', 'Nevertheless', and 'In conclusion' to guide the reader. However, some transitions feel slightly mechanical, and the referencing could be smoother. For example, the sentence 'Some people believe that for individuals, including adolescents, to save money for their future' is a fragment and lacks a main verb, which disrupts the flow. Improving the variety of linking words and ensuring sentence-level cohesion would enhance the overall structure.

Lexical Resource — Band 7.0

You demonstrate an adequate range of vocabulary for the task, using terms like 'adolescents', 'financial discipline', and 'long-term commitment'. There are some minor inaccuracies in word choice, such as 'enhance the time for their leisure activities' or 'stay financially broke', which sound slightly unnatural. While you attempt to use less common vocabulary, the precision is sometimes lacking. To improve, focus on collocations—for example, instead of 'stay financially broke', use 'face financial hardship' or 'struggle with personal finances'. The vocabulary is sufficient to convey your meaning clearly despite these minor slips.

Grammatical Range and Accuracy — Band 6.5

You use a mix of simple and complex sentence structures. While many sentences are clear, there are several grammatical errors that occasionally impede the flow. The opening sentence is a fragment, and there are issues with article usage and punctuation, such as 'collect small amount of money' (needs 'a') and 'Pizza Hut hut' (repetition). You show control over basic structures, but complex sentences sometimes contain errors in subject-verb agreement or preposition usage. To improve, proofread specifically for articles and ensure every sentence contains a clear subject and a finite verb.

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