Band 7.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 7.0 · Cambridge IELTS 19 · 2026-07-29

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)

The way inflation is increasing, saving is a wise decision that improves financial stability, helps to achieve future goals and provides a peace of mind. Some people believe that it is essential for youngsters to manage their finances wisely. I fully agree with this statement. This essay will analyse the reasons behind my perspective along with the examples in the subsequent paragraphs.

First and foremost, financial stability is a vital element in everyone's live. Savings provide security in future to manage emergencies and assist family during adverse circumstances such as health emergencies, career crises and financial difficulties. People who having saved money for future are better prepared to deal with these challenges without depending on loans and any other kind of financial support. Therefore, it reduces stress which provides a peace of mind.

Moving further, saving develops various skills including management and sense of responsibility. A person who started saving money at the early age, it is easier for him to achieve his future goals. Savings helps young people to invest in their education and it improves their economic growth. For instance, if an individual has saved money at his early phase of earning then he can fulfil his dream. He can buy his dream car . Hence, savings lead to achieve long-term goals and allows youngsters to take better financial decisions.

In conclusion, saving is an essential part of life at the early stages as it enables young people to achieve long-term goals, reduces stress and dependency on loans as well as manage financial crises. So I feel financial stability is important for being a responsible person and cope better with economical and health uncertainties.

AI examiner evaluation

Task Achievement / Task Response — Band 7.0

You have clearly addressed the prompt and maintained a consistent position throughout the essay. The introduction sets the stage well, and the body paragraphs provide relevant reasons for your agreement, such as financial security and skill development. However, the development of ideas could be more robust. For instance, the example regarding buying a 'dream car' is somewhat simplistic and does not fully illustrate the long-term benefits of saving. To reach a higher band, ensure that your supporting examples are more analytical and directly linked to the broader implications of financial literacy for young people.

Coherence and Cohesion — Band 7.0

The essay is logically organized with a clear introduction, two body paragraphs, and a conclusion. You use cohesive devices such as 'First and foremost', 'Moving further', and 'In conclusion' to guide the reader. However, some transitions are slightly mechanical, and there are minor issues with referencing and flow. For example, the sentence 'A person who started saving money at the early age, it is easier for him...' lacks grammatical cohesion. Improving the variety of linking words and ensuring that pronouns clearly refer back to their antecedents would enhance the overall flow of your arguments.

Lexical Resource — Band 6.5

You demonstrate an adequate range of vocabulary for the task, using terms like 'financial stability', 'adverse circumstances', and 'economic growth' appropriately. There are some minor collocation errors, such as 'provides a peace of mind' (should be 'provides peace of mind') and 'at the early age' (should be 'at an early age'). While your vocabulary is sufficient to convey your meaning clearly, you should aim to incorporate more precise, less common lexical items to demonstrate a higher level of sophistication and stylistic awareness.

Grammatical Range and Accuracy — Band 6.5

You use a mix of simple and complex sentence structures. While your meaning is generally clear, there are several grammatical errors that occur throughout the text. Examples include 'everyone's live' (should be 'everyone's life'), 'People who having saved' (should be 'People who have saved'), and 'Savings helps' (should be 'Savings help'). Additionally, there are some issues with article usage and subject-verb agreement. To improve, focus on proofreading for these recurring minor errors and try to vary your sentence structures further to include more complex, error-free clauses.

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