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)

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 be over come easily if they do various kinds of works as part-time for getting extra income so they can save money for their future.

In conclusion, although people cannot have enough money for saving, I believe that the advantages of saving money are more significant such as, helps in crisis, education of children, for fulfilling the desire and necessity and useful after their retirement.

AI examiner evaluation

Task Achievement / Task Response — Band 7.0

The response addresses all parts of the prompt and maintains a clear position throughout. The arguments regarding financial security during crises and the necessity of saving for retirement are relevant and well-supported. However, some ideas, such as 'buying new business equity on low rate', are slightly underdeveloped or lack clarity in their connection to the main argument. The essay is well-structured, and the conclusion effectively summarizes the main points. To reach a higher band, ensure that all examples are fully explained to demonstrate their direct relevance to the topic of saving money for the future.

Coherence and Cohesion — Band 7.0

The essay is logically organized with a clear introduction, body paragraphs, and a conclusion. Paragraphing is used appropriately to separate distinct ideas. Cohesive devices such as 'Firstly', 'Furthermore', and 'In conclusion' are used to guide the reader. However, there is some mechanical use of these devices, and some transitions between sentences are slightly repetitive or awkward, such as 'because of that time' or 'so that it is basic thing'. Improving the variety and natural flow of these linking phrases would enhance the overall coherence of the response.

Lexical Resource — Band 6.5

The vocabulary is generally adequate for the task, allowing the writer to express their ideas clearly. There are attempts to use less common vocabulary, such as 'financial crisis', 'employment opportunities', and 'inflation'. However, there are instances of imprecise word choice and awkward collocations, such as 'cannot capable to earn', 'trouble situations', and 'leaving of a job'. While these errors do not impede communication, they indicate a need for more precise control over word forms and collocations to reach a higher band.

Grammatical Range and Accuracy — Band 6.5

The response uses a mix of simple and complex sentence structures. While the meaning is generally clear, there are frequent grammatical errors, particularly regarding subject-verb agreement ('people is leaving'), article usage, and sentence fragments ('If they cannot have money in crisis situations so that people cannot survive'). Some complex structures are attempted, but they often contain errors that slightly distract the reader. To improve, focus on mastering basic sentence construction and ensuring that complex clauses are correctly linked and punctuated.

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