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 an agreement with the importance of saving money. The ideas are relevant, focusing on financial discipline and security in old age. However, the development of these ideas is somewhat limited. For example, the explanation of 'financial discipline' is repetitive, and the section on 'old life' relies on generalizations about family dependency. While the position is clear throughout, the supporting arguments lack depth and specific, well-developed examples. To improve, you should expand on your points with more detailed reasoning or concrete scenarios rather than listing general outcomes.
Coherence and Cohesion — Band 5.5
The essay is organized into logical paragraphs, each with a clear central topic. You use some cohesive devices such as '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' or 'Therefor' (spelled incorrectly). Additionally, the flow between sentences is occasionally hindered by grammatical errors, which makes the progression of ideas feel a bit disjointed at times. Improving the variety and accuracy of your linking words will help your writing flow more naturally.
Lexical Resource — Band 5.0
The vocabulary is generally adequate for the task, allowing you to express your main points clearly. You use some relevant terms like 'financial crisis', 'financial discipline', and 'stable, empowered life'. However, there are several instances of awkward word choice and collocation errors, such as 'he started save money', 'successful to buying', and 'livings peacefully'. These errors indicate a limited range of vocabulary and a lack of precision in word formation. To reach a higher band, focus on learning common collocations and ensuring that you use the correct word forms (e.g., nouns vs. verbs).
Grammatical Range and Accuracy — Band 5.0
The essay contains a mix of simple and complex sentence structures, but there is a high frequency of grammatical errors throughout. Common issues include subject-verb agreement (e.g., 'it help ensure', 'saving money provide'), incorrect verb forms (e.g., 'young people should saving'), and missing articles or prepositions. While these errors do not completely impede communication, they are persistent and occur in almost every sentence. To improve, you need to focus on basic sentence construction, specifically verb tenses and subject-verb agreement, before attempting more complex structures.
See this exact question answered at other band scores — the same prompt compared across bands.
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