Band 5.5 IELTS Writing Task 2 Model Answer
Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-08-18
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)
Saving money is very beneficial for future life, some people believe that it is important for everyone while other believe that it is very important for young people, I strongly agree with this statement because saving money help us in emergency time and to achieve other goals in life.
The first reason why I agree with this statement is because when you have an emergency in life like health issues for example, if you have sudden health issue and you need money for it and the amount is big, if you have money in your saving account then you will be able to afford the medical treatment. Meanwhile, for buying a house for future you must have money in your saving account.
Another reason is that if you have some goals in life for example, your dream is to go on world tour you must have money in your account and you saved money for it so it can be easy for you after saving the money. If you do not save money, it will be difficult for you to go on a tour. So, saving money plays a vital role in life and it help us in difficult time of life.
In conclusion, we can say that saving money have so many benefits like for future education, buying house, emergency funds, future plans, money can give you a happy life in future, when you become old in your life, you can spend easy life in your old age when you will have money in your saving account.
AI examiner evaluation
| Criterion | Band |
|---|---|
| Task Achievement / Task Response | 5.5 |
| Coherence and Cohesion | 5.5 |
| Lexical Resource | 5.5 |
| Grammatical Range and Accuracy | 5.5 |
| Overall | 5.5 |
Task Achievement / Task Response — Band 5.5
The essay addresses the prompt and maintains a clear position throughout. The ideas, such as emergency funds and personal goals, are relevant. However, the development is somewhat repetitive and lacks depth. For instance, the argument about 'world tours' and 'buying a house' is mentioned in both the body and the conclusion without adding new insights or nuance. To improve, you should aim to expand on the 'why' and 'how' of saving, perhaps by discussing the psychological benefits or the long-term economic stability it provides for young people specifically, rather than just listing examples.
Coherence and Cohesion — Band 5.5
The essay is organized into logical paragraphs, each with a clear focus. However, the use of cohesive devices is somewhat mechanical and repetitive. Phrases like 'The first reason why' and 'Another reason is that' are used to signal progression, but the transitions between sentences within paragraphs are sometimes abrupt. The referencing is generally clear, but the flow could be improved by using a wider variety of linking words and ensuring that ideas are connected more fluidly rather than simply listed.
Lexical Resource — Band 5.5
The vocabulary is adequate for the task but remains quite basic. You rely on simple terms like 'money', 'saving', and 'life' repeatedly. While the meaning is always clear, there is a lack of less common or more sophisticated vocabulary that would demonstrate a higher level of proficiency. For example, instead of 'money in your saving account', you could use 'financial reserves' or 'capital'. To reach a higher band, try to incorporate more precise collocations and topic-specific terminology related to personal finance.
Grammatical Range and Accuracy — Band 5.5
The essay contains a mix of simple and complex sentence structures, but there are frequent grammatical errors. Common issues include subject-verb agreement (e.g., 'saving money help us', 'saving money have so many benefits') and punctuation errors, such as comma splices in the introduction and body paragraphs. While these errors do not prevent the reader from understanding your message, they are frequent enough to limit the score. Focusing on proofreading for basic agreement and sentence boundary errors will significantly improve your accuracy.
See this exact question answered at other band scores — the same prompt compared across bands.
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