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 others believe that it is very important for young people, I strongly agree with this statement because saving money help us in emergencies 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 savings account then you will be able to afford the medical treatment. Meanwhile, for buying a house for future you must have money in your savings 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 helps us in difficult times of life.
In conclusion, we can say that saving money has 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 a comfortable life in your old age when you will have money in your savings 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 response addresses the prompt by taking a clear position and providing reasons for saving money. However, the development of ideas is somewhat repetitive and lacks depth. For instance, the argument regarding 'emergencies' and 'goals' is mentioned in the introduction, body paragraphs, and conclusion without significant expansion or nuanced analysis. The ideas are relevant, but the support remains at a surface level, lacking specific examples or a more sophisticated exploration of the long-term economic or psychological benefits of saving. To reach a higher band, you should aim to extend your arguments with more detailed explanations or hypothetical scenarios.
Coherence and Cohesion — Band 5.5
The essay is organized into clear paragraphs, which helps the reader follow the progression of ideas. 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 link paragraphs, which is functional but lacks variety. Additionally, some sentences are linked with comma splices (e.g., 'Saving money is very beneficial for future life, , some people believe...'), which disrupts the flow. Improving the variety of transition words and ensuring that referencing is precise would significantly enhance the overall coherence of your writing.
Lexical Resource — Band 5.5
The vocabulary is adequate for the task but lacks the range and precision required for higher bands. You rely on simple, repetitive phrasing such as 'have money in your savings account' and 'important for life'. There are some attempts at less common vocabulary, but they are often used in a basic way. To improve, you should focus on using more precise collocations and a wider variety of synonyms to avoid repetition. For example, instead of repeating 'money', you could use terms like 'financial resources', 'capital', or 'monetary reserves'.
Grammatical Range and Accuracy — Band 5.5
The essay contains a mix of simple and complex sentence structures, but there are frequent errors in punctuation and sentence construction. The opening sentence is a run-on with a comma splice, and there are issues with article usage and subject-verb agreement throughout (e.g., 'saving money help us'). While these errors do not completely impede communication, they occur frequently enough to affect the clarity of your message. To improve, focus on mastering basic sentence boundaries and ensuring that your complex sentences are constructed accurately without missing articles or incorrect verb forms.
See this exact question answered at other band scores — the same prompt compared across bands.
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