Band 5.5 IELTS Writing Task 2 Model Answer
Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-08-19
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 the modern world, some individuals believe that using their income wisely and preserving their income for the coming years is beneficial for young people and this trend has become common and has attracted significant public attention. It has become a topic of widespread debate due to its impact on individuals and society. This essay will explain why I agree with this statement and give reasons to support my opinion.
To commence, one of the major reason is that the saving money is always beneficial in the long term. In other words, it can complete your future needs and helps to reduce during the unexpected expenses. In addition, it likely to be reduce financial stress in the future. Although, when some individuals have any emergency in medical, education or job loss it really crucial that time to have enough money to surpass this emergency efficiently. Hence, it will be beneficial for individuals and society in the long terms.
Furthermore, another reason is why I support this topic is that it helps young people to achieving goals in the long term and also they can pay their fees for higher education or house or any business. Moreover, They are developing a new and good financial habits. Meanwhile, These habits make them financially independent. Thus, this will provide benefits in the long term.
In conclusion, I strongly agree that young people should save money for the future. It provides financial security and helps them achieve their long-term goals while becoming financially independent.
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 clearly and maintains a consistent position throughout. The ideas are relevant, focusing on financial security, emergency preparedness, and goal achievement. However, the development of these ideas is somewhat limited. For instance, the mention of 'unexpected expenses' and 'financial habits' is brief and could have been expanded with more concrete examples or deeper analysis to reach a higher band. The structure is logical, but the supporting arguments lack the depth required for a higher score, as they remain somewhat general and repetitive in their focus on 'long-term' benefits.
Coherence and Cohesion — Band 5.5
The essay is organized into clear paragraphs, each with a central topic. Cohesive devices such as 'To commence', 'In addition', 'Furthermore', and 'In conclusion' are used to guide the reader. However, the use of these devices is sometimes mechanical or slightly awkward, such as 'another reason is why I support this topic is that'. Additionally, there are instances where the flow between sentences feels a bit disjointed, particularly in the second paragraph where the transition between emergency situations and long-term benefits could be smoother.
Lexical Resource — Band 5.5
The vocabulary is generally adequate for the task, allowing the writer to express their ideas clearly. There is some attempt to use topic-specific language like 'financial independence' and 'unexpected expenses'. However, the range is somewhat limited, and there is noticeable repetition of phrases such as 'in the long term' and 'beneficial'. Some word choices are slightly imprecise, such as 'complete your future needs' instead of 'meet your future needs' or 'surpass this emergency' instead of 'overcome this emergency'.
Grammatical Range and Accuracy — Band 5.5
The essay uses a mix of simple and complex sentence structures, but there are frequent grammatical errors that occasionally distract the reader. Examples include 'one of the major reason is' (should be 'reasons'), 'it likely to be reduce' (should be 'it is likely to reduce'), and 'it really crucial that time' (should be 'it is really crucial at that time'). Punctuation is generally functional, but there are some awkward phrasings and missing articles that affect the overall fluency of the writing.
See this exact question answered at other band scores — the same prompt compared across bands.
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