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)

In recent times many people suffers from money issues across the globe. It is believed that saving money for future is a very important for everyone including the young adults. I partially agree with the given statements and reasons for my inclination are articulated in the following paragraphs.

To begin with, money is a essential need for everyone including the younger ones too. Firstly, saving money helps to prevent the upcoming problems in the future. For example, if there is any health related emergency occurs in the family, the saved money helps for pay the costs at the hospital and buying medicines. Secondly, Saving money for future is helpful in many ways such as for children . Many parents saves money for the better education for their children.

Moreover, saving money is very important for the future because in recent scenario it is not possible to say that your job is secure or not. For instance, Many people looses their job because of some reasons and they need some time to find a new job. In between this period saved money will help people to pay for their daily expenses.

However, money saving for future events may not the option in some cases. In many situations people find hard to save money because of their daily expenses are higher and their salaries are lower. In addition, because people are thinking to save money all the time, they can not focus on the present and they are not able to enjoy life as well. For example, some people avoid parties and events to save money for future.

In conclusion, saving money for future is vital for unexpected situations, better future for children, while jobless period but also affects on your present life.

AI examiner evaluation

Task Achievement / Task Response — Band 5.5

The response addresses the prompt by discussing the importance of saving money and acknowledging the counter-argument regarding the impact on present quality of life. The position is clear throughout. However, the development of ideas is somewhat limited. For instance, the point about job security is relevant but could be expanded with more specific detail or a more sophisticated analysis of economic instability. The argument regarding the 'present life' is a good addition, but the explanation remains a bit superficial. To reach a higher band, ensure that each supporting point is fully explored with more depth and nuance rather than relying on brief, repetitive examples.

Coherence and Cohesion — Band 5.5

The essay is logically organized into paragraphs, each with a clear focus. Cohesive devices such as 'To begin with', 'Moreover', 'For instance', and 'In conclusion' are used to guide the reader. However, the use of these devices is sometimes mechanical or repetitive. Additionally, there are minor issues with referencing and flow; for example, the transition between the benefits of saving and the counter-argument could be smoother. Paragraphing is used appropriately, but the internal structure of the paragraphs could benefit from more varied linking words to improve the overall flow of ideas.

Lexical Resource — Band 5.5

The vocabulary is adequate for the task but lacks variety and precision. There are several instances of awkward phrasing or incorrect word choices, such as 'many people suffers' (subject-verb agreement error) and 'in recent scenario' (unnatural collocation). The range of vocabulary is somewhat limited, relying on basic terms like 'money issues', 'important', and 'better'. To improve, you should aim to incorporate more topic-specific collocations and less common lexical items. For example, instead of 'money issues', use 'financial instability' or 'economic hardship'. The errors present do not impede communication, but they do restrict the score.

Grammatical Range and Accuracy — Band 5.5

The essay contains a mix of simple and complex sentence structures. However, there are frequent grammatical errors throughout the text, particularly with subject-verb agreement ('many people suffers', 'parents saves', 'people looses') and article usage ('the future', 'the costs'). These errors are noticeable and occur consistently. While the meaning is generally clear, the lack of control over basic grammatical rules prevents a higher score. To improve, focus on proofreading for subject-verb agreement and ensuring consistent use of articles and prepositions. Increasing the variety of complex sentence structures while maintaining accuracy is essential for a higher band.

See this exact question answered at other band scores — the same prompt compared across bands.

Browse more IELTS Writing model answers or get your own writing scored by the same AI examiner.