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)

It is often argue that some people, especially young people they should save money for their better future. I strongly believe this statement because the save money provide a financial security also help to the less unexpected expenses.

Firstly, saving money especially young people it provide a future financial security. We know that the life is unpredictable in now days so people face a many difficulties in their life sach as a medical problems, urgent repairs the home , family responsibility. If they can save money for some amount of in their salary so they can easily manage the problems. they can not rely on other persons and lones. For example, If they small amount of money save their salary they can use the money for unexpected job loss, and full fill the families demand.

secondly, save money also use for their achieve a long term goals sach as a buying their dream hous and take a less loans for home. Moreover they use they money for travelling the place with their family. they may provide better education for their childran. they can also started their business. although young people who learn the how to save the money and good financial habits and avoid a unnecessary spendings.

However, I believe that the young people save all the amount of salary. In present days they can also enjoy the life with their families but they should know that the balance of spending money and save the money for better future.

In conclusion, I strongly agree that the especialy young people should save the money for their future although they enjoying the present is also important also having a fainancial saving help can provide a security.

AI examiner evaluation

Task Achievement / Task Response — Band 5.5

The response addresses the prompt and maintains a clear position throughout. The ideas are relevant, such as financial security and long-term goals, but they are often under-developed. For example, the mention of 'urgent repairs' and 'family responsibility' is a good start, but the explanation lacks depth. The argument is consistent, though the final paragraph introduces a slight contradiction regarding whether one should save 'all' the salary versus balancing it. Overall, the response covers the requirements, but the development of ideas needs more nuance and logical expansion to reach a higher band.

Coherence and Cohesion — Band 5.5

The essay is organised into paragraphs, which helps the reader follow the argument. However, the use of cohesive devices is often mechanical or inaccurate. Phrases like 'In present days' and 'sach as a' are used repetitively or incorrectly. Referencing is sometimes unclear, such as in the sentence 'they use they money', where the pronoun usage is confusing. While there is an overall logical progression, the transitions between sentences are sometimes abrupt, and the lack of variety in linking words makes the flow feel somewhat disjointed.

Lexical Resource — Band 5.0

The vocabulary is adequate for the task but limited in range. There are frequent errors in word choice and collocation, such as 'the save money provide', 'full fill the families demand', and 'unnecessary spendings'. The student attempts to use some topic-specific vocabulary like 'financial security' and 'long-term goals', but the overall control is inconsistent. Spelling errors, such as 'sach', 'hous', 'childran', and 'fainancial', occur frequently, which indicates a need for more attention to basic lexical accuracy and word formation.

Grammatical Range and Accuracy — Band 5.0

The essay relies heavily on simple sentence structures, and attempts at complex sentences are often marred by grammatical errors. There are frequent issues with subject-verb agreement (e.g., 'some people... they should save'), article usage (e.g., 'the save money'), and prepositional errors. Punctuation is also inconsistent, particularly with comma placement. While the meaning is generally clear, the high frequency of errors in basic grammar prevents the writing from reaching a higher band. The student needs to focus on sentence construction and ensuring that verbs and nouns agree correctly.

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

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