Band 6.0 IELTS Writing Task 2 Model Answer
Overall Band Score: 6.0 · 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 6.0)
In today's world, it is important for everyone including young people to save money for their future. I partially agree with this view because saving money may have some benefits in future, but at the same time people usually save their money without spending on anything.
Firstly, saving money plays an important role in life of an individual, especially during medical treatments. This is because people suffering from serious diseases such as cancer, they have to spend a large amount of money for treatments as medication and treatments are expensive for such diseases. For example, if a person is suffering from blood cancer, they have to take a treatment from the hospital. The hospital costs, treatments and medications are too expensive. As a result, saved money will help an individual to pay the hospital bills. Secondly, saved money helps people to achieve their goals such as purchasing a house, buying a car, and so on. People usually save money to buy things according to their needs. If enough money is not saved, they will unable to buy such things. Thirdly, young people should start saving money as early as possible. If people start saving money at a young age, they will have more corpus to fulfill their needs.
On the other hand, people spend most of their life saving money and do not really enjoy their life. If people spent the entire life saving money and do not spend on their needs, they should not save money and start enjoying their life. For instance, if an individual saves money by struggling with expenses and do not spend on their needs, then that saved money is useless if left unused. As a result, people should spend money on their needs and stop saving money.
To conclude, I believe that money should be saved along with spending on personal needs. A balanced approach of both saving and spending works best. One should save money, but at the same time, they should spend on their goals.
AI examiner evaluation
| Criterion | Band |
|---|---|
| Task Achievement / Task Response | 6.0 |
| Coherence and Cohesion | 6.5 |
| Lexical Resource | 5.5 |
| Grammatical Range and Accuracy | 5.5 |
| Overall | 6.0 |
Task Achievement / Task Response — Band 6.0
The response addresses the prompt and maintains a clear position throughout. The arguments regarding the necessity of saving for emergencies and long-term goals are relevant, and the counter-argument regarding the balance between saving and living is well-integrated. However, the development of ideas is somewhat repetitive, particularly in the second paragraph where the example of cancer is belaboured, and the third paragraph, which could have been more nuanced. To reach a higher band, ensure that each supporting point adds a distinct layer of depth rather than restating the same concept in different words.
Coherence and Cohesion — Band 6.5
The essay is logically organised with a clear introduction, body paragraphs, and conclusion. Cohesive devices such as 'Firstly', 'Secondly', 'On the other hand', and 'To conclude' are used to guide the reader through the argument. However, the flow within paragraphs is occasionally mechanical. For instance, the transition between the need for medical savings and the general need for savings could be smoother. Additionally, some referencing is slightly repetitive, such as the frequent use of 'saved money' and 'people'. Improving the variety of linking phrases and pronoun usage would enhance the overall cohesion.
Lexical Resource — Band 5.5
The vocabulary is generally adequate for the task, allowing the writer to express ideas clearly. There is an attempt to use topic-specific vocabulary like 'corpus', 'medical treatments', and 'balanced approach'. However, the range is somewhat limited, and there is a reliance on basic phrasing (e.g., 'spend on their needs', 'buy things'). Some word choices are slightly unnatural, such as 'take a treatment from the hospital'. To improve, the student should focus on using more precise collocations and a wider range of synonyms to avoid repetitive phrasing.
Grammatical Range and Accuracy — Band 5.5
The essay uses a mix of simple and complex sentence structures. While the meaning is consistently clear, there are several grammatical errors, such as 'they will unable to buy' (missing verb), 'if people spent the entire life' (tense inconsistency), and 'do not spend on their needs' (missing subject). Punctuation is generally correct, but the control over complex sentence structures is inconsistent. To achieve a higher score, the student should focus on subject-verb agreement and ensuring that modal verbs and conditional structures are used accurately.
See this exact question answered at other band scores — the same prompt compared across bands.
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