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 the 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

You have addressed all parts of the prompt and maintained a clear position throughout the essay. Your ideas are relevant, such as the benefits of discipline and the challenges of immediate gratification. However, some points could be more deeply developed. For example, while you mention that saving helps with university fees, expanding on the long-term economic impact or the psychological benefits of financial security would strengthen your argument. The conclusion effectively summarizes your stance. Overall, the response is well-focused and directly answers the question, meeting the requirements for a Band 7.0.

Coherence and Cohesion — Band 7.5

Your essay is logically organized with a clear introduction, body paragraphs, and a conclusion. You use cohesive devices such as 'Additionally', 'For instance', and 'Nevertheless' to guide the reader through your arguments. Paragraphing is used appropriately to separate distinct ideas. While the flow is generally smooth, some transitions between sentences could be more sophisticated to avoid a slightly mechanical feel. For instance, the link between the UK research and the idea of becoming 'reserved' could be more explicitly connected to the topic of saving. Overall, the progression of ideas is clear and easy to follow.

Lexical Resource — Band 7.0

You demonstrate a sufficient range of vocabulary to discuss the topic with precision. Phrases like 'immediate gratification' (implied), 'long-term commitment', and 'financial life' are used correctly. There are some minor issues with word choice, such as 'stay financially broke' which is slightly informal, and 'enhance the time for their leisure activities', which is a bit awkward. However, your vocabulary is adequate for the task and allows for clear communication of your ideas. To reach a higher band, try to incorporate more idiomatic expressions or precise collocations related to personal finance.

Grammatical Range and Accuracy — Band 7.5

You use a mix of simple and complex sentence structures effectively. Most of your sentences are clear and error-free, which aids readability. There are occasional minor errors, such as 'Researchers in the UK indicated that, people who started...' where the comma after 'that' is unnecessary, and 'collect a small amount of money' which is slightly less natural than 'save a small amount'. Despite these minor slips, your control over grammar and punctuation is good, and the errors do not impede communication. You have demonstrated a good command of complex structures throughout the essay.

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