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 and maintains a clear position throughout. The ideas are relevant, focusing on financial discipline and security in old age. However, the development of these ideas is somewhat limited. For instance, the argument regarding 'financial discipline' is repetitive, and the explanation of 'old life' issues is slightly underdeveloped and relies on generalizations. To reach a higher band, you should provide more specific, nuanced examples or deeper analysis of how saving impacts long-term economic stability rather than just listing basic needs like food and shelter.
Coherence and Cohesion — Band 5.5
The essay is organized into logical paragraphs, each with a clear central topic. There is a basic attempt at using cohesive devices such as 'Moreover', 'As a result', and 'In conclusion'. However, the flow is occasionally mechanical, and some transitions feel forced or repetitive. The use of referencing is sometimes unclear, such as the pronoun usage in the second paragraph ('he started save money'). Improving the variety of linking words and ensuring that pronouns clearly refer back to their antecedents would significantly improve the flow of your writing.
Lexical Resource — Band 5.0
The vocabulary is generally adequate for the task, allowing you to express your ideas clearly. You use some topic-specific terms like 'financial crisis' and 'financial discipline'. However, there are several instances of awkward word choice and collocation errors, such as 'securer future life' (should be 'a more secure future') and 'livings peacefully' (should be 'live peacefully'). The range is somewhat limited, and there is a reliance on basic vocabulary. To improve, focus on learning collocations and using more precise academic vocabulary to convey your points more effectively.
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 ('it help ensure', 'saving money provide'), incorrect verb forms ('he started save money', 'he can successful to buying'), and article usage. While the meaning is generally understandable, the high frequency of these errors prevents the essay from reaching a higher band. You should focus on mastering 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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