Band 5.5 IELTS Writing Task 2 Model Answer
Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-08-16
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 5.5)
It is widely believed that saving money is essential for everyone, including young individuals, as it help ensure to securer future life. I completely agree with this statement because saving money is a good financial habit and also provide protection in unexpected situation.
One of the main reason why young people should saving money it makes financially discipline to achieve major life achievements. Young individuals have lots of dream and he started save money for his goal. As a result, he saving money from early ages with full of dedication. For example, after a decade he can successful to buying his dream house or starting a business Therefor, regular savings teach financial discipline, a skill that became more valuable as earning rise.
Another important reason is that saving money provide protection in critical moment. It's mean that when people’s faced financial crisis then saving earning give a short term financial support. Moreover, saving money give a shelter in old life. In old life most of the individuals depended on their siblings. In that time it become very worst scenario for someone, then they faced many problem like medical, food, shelter and etc. That’s why saving money is important for old life. As a result, if the individuals have enough savings for old life, then they can livings peacefully rest of the life.
In conclusion, saving money can provide a beautiful life, and also help at critical moment. Young individuals should make savings money for their hobby. It builds a foundation for a stable, empowered life.
AI examiner evaluation
| Criterion | Band |
|---|---|
| Task Achievement / Task Response | 5.5 |
| Coherence and Cohesion | 5.5 |
| Lexical Resource | 5.0 |
| Grammatical Range and Accuracy | 5.0 |
| Overall | 5.5 |
Task Achievement / Task Response — Band 5.5
The response addresses the prompt by clearly stating a position in favor of saving money. The ideas are relevant, focusing on financial discipline and security in old age. However, the development is somewhat limited. For instance, the argument about 'financial discipline' is repetitive, and the section on 'old life' relies on generalizations about family dependency. To reach a higher band, you should provide more nuanced examples or explore the broader economic implications of saving. While the main points are clear, the supporting details lack depth and occasionally drift into simplistic explanations.
Coherence and Cohesion — Band 5.5
The essay is organized into logical paragraphs, each with a clear focus. You use some cohesive devices like 'Moreover,' 'As a result,' and 'In conclusion' to link ideas. However, the use of these devices is sometimes mechanical or slightly inaccurate, such as 'It's mean that' to introduce an explanation. Additionally, the referencing is occasionally unclear, particularly in the second paragraph where the pronoun usage ('he', 'his') is inconsistent and confusing. Improving the flow between sentences and ensuring that pronouns clearly refer to their antecedents will significantly enhance the coherence of your writing.
Lexical Resource — Band 5.0
The vocabulary is generally adequate for the task but lacks the precision and variety required for higher bands. You rely on basic terms like 'good financial habit' and 'beautiful life,' which are somewhat vague. There are also noticeable errors in word formation and collocation, such as 'he started save money' instead of 'he started saving money' and 'livings peacefully' instead of 'living peacefully.' To improve, focus on using more sophisticated collocations related to finance, such as 'financial independence,' 'long-term security,' or 'prudent fiscal management,' rather than repeating basic phrases.
Grammatical Range and Accuracy — Band 5.0
The essay contains a mix of simple and complex sentence structures, but there are frequent grammatical errors that occasionally impede the reader's flow. Common issues include subject-verb agreement ('saving money provide protection'), incorrect verb forms ('he started save'), and missing articles or prepositions. While the meaning is generally understandable, the high frequency of these errors prevents the essay from reaching a higher band. You should focus on proofreading for basic tense consistency and ensuring that plural/singular subjects match their corresponding verbs.
See this exact question answered at other band scores — the same prompt compared across bands.
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