Band 6.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.5 · 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 6.5)

In this modern era, money saving has become a subject of considerable debate around the world. Different people hold different opinions regarding saving the money. Some people believe that saving money is not only important for young people, but also significant for everyone. Also, people believe that, saved money can be helpful in future. In my opinion, to save money is important for everyone especially for young generation people because it helps them in future while they cannot capable to earn money.

This paragraph will discuss some reasons and examples of saving money and their advantages in future. Firstly, saved money can help people in any kinds of trouble situations because of that time they cannot have any source of income and employment opportunities. If they cannot have money in crisis situations so that people cannot survive in those problems. For instance, on COVID-19 and other financial crisis time, people did not have any kinds of income generating sources. Therefore, saved money can be useful in those situation. It can be helpful in various way such as, for paying hospitals' bills, Education for children, buying new business equity on low rate and for fulfilling the basic needs and necessity.

Furthermore, saved money is useful for young generation people especially because they have a lot of responsibilities towards their parents and family, so that it is basic thing for young people to save some amount for them from their income. Saved money can not only useful for young people only, but also helpful for old people. To elaborate, after some age people is leaving of a job permanently so that, they need to save money and investing money during their working years. Therefore, If they build a large enough pot to cover living cost, inflation and healthcare so it will help them in their old age.

On the other hand, people do not have stable income jobs in this competitive era. People cannot get various kinds of employment opportunities in their life, also who get job they cannot that much salary which fulfil their own basic amenities and necessity, so that they cannot save money for their future. However, It can

AI examiner evaluation

Task Achievement / Task Response — Band 6.5

The response addresses the prompt and maintains a clear position throughout. The ideas are relevant, discussing the importance of saving for emergencies and retirement. However, the development is somewhat uneven; while the points are clear, they could be extended with more sophisticated analysis. The final paragraph is incomplete, which impacts the overall development of the argument. Despite this, the main points are well-supported with examples like the COVID-19 pandemic and the needs of the elderly. To reach a higher band, ensure all paragraphs are fully concluded and explore the implications of the arguments in greater depth.

Coherence and Cohesion — Band 6.5

The essay is organized into logical paragraphs, each with a clear central theme. Cohesive devices such as 'Firstly', 'Furthermore', and 'On the other hand' are used to guide the reader. However, some transitions are slightly mechanical or repetitive, such as the frequent use of 'so that' and 'therefore'. Referencing is generally clear, though some sentences feel slightly disjointed due to grammatical issues. The paragraphing is appropriate, but the abrupt ending of the final paragraph suggests a lack of careful planning or time management, which affects the overall flow of the essay.

Lexical Resource — Band 6.5

The vocabulary is adequate for the task, allowing the student to convey their ideas clearly. There is an attempt to use topic-specific vocabulary such as 'financial crisis', 'employment opportunities', and 'basic amenities'. However, there are some inaccuracies in word choice and collocation, such as 'buying new business equity on low rate' and 'people is leaving of a job'. These errors do not impede communication, but they highlight a need for more precise usage. Expanding the range of vocabulary to include more academic collocations would improve the score.

Grammatical Range and Accuracy — Band 6.0

The essay uses a mix of simple and complex sentence structures. While the meaning is generally clear, there are frequent grammatical errors, particularly with subject-verb agreement ('people is leaving'), article usage, and sentence fragments ('If they cannot have money in crisis situations so that people cannot survive'). Punctuation is also inconsistent in places. While the student attempts complex structures, these are often where the errors occur. To improve, focus on mastering basic sentence construction and proofreading for common errors like pluralization and verb tense consistency.

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