Band 7.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 7.5 · 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 7.5)

Some people believe that for individuals, including adolescents, it is important 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, travel 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 a 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, 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 a 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, maintaining a clear position throughout. The arguments regarding the benefits of saving, such as financial discipline and future security, are relevant and supported by examples like university fees and personal goals. However, the development of ideas is somewhat basic; for instance, the example of buying a smartphone is a bit narrow for a topic about 'future' financial stability. To reach a higher band, you should expand on the long-term implications of financial literacy for young people, perhaps discussing economic independence or emergency preparedness, rather than focusing primarily on consumer purchases.

Coherence and Cohesion — Band 7.5

The essay is logically organized with a clear introduction, body paragraphs, and a conclusion. Each paragraph has a central theme, and the progression of ideas is easy to follow. You use a range of cohesive devices such as 'Additionally', 'Nevertheless', and 'In conclusion' effectively. However, some transitions feel slightly mechanical, and the referencing could be more sophisticated. For example, the link between the drawback of 'long-term commitment' and the suggested strategies could be smoother. Overall, the paragraphing is appropriate and contributes to a coherent flow of information.

Lexical Resource — Band 7.0

You demonstrate an adequate range of vocabulary for the task, using words like 'adolescents', 'expenditures', and 'disciplined' correctly. There are some minor inaccuracies in word choice, such as 'stay financially broke' (which is slightly informal and redundant) and 'conserving funds' (which is usually used for natural resources rather than personal savings). While you attempt to use less common vocabulary, the range is somewhat limited. To improve, focus on more precise collocations related to finance, such as 'financial literacy' or 'fiscal responsibility', rather than general terms.

Grammatical Range and Accuracy — Band 7.0

The essay displays a mix of simple and complex sentence structures. You show good control over basic grammar, and your meaning is consistently clear. There are some minor errors, such as the unnecessary comma in 'indicated that, people' and the awkward phrasing 'enhance the time for their leisure activities'. While you use complex structures, they are not always perfectly executed. Increasing the frequency of error-free complex sentences and refining punctuation will help you move into the higher band. Overall, the grammar is functional and does not impede communication.

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