Band 5.5 IELTS Writing Task 2 Model Answer
Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-08-20
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)
I totally agree with the statement, Saving money is an essential part of life, money is useful in all aspects of life for example food, clothing shelter and basic survival needs.
Saving money help up to improve the living standard of the person. We can save money through different ways like investing, buying lands and gold. Young people often waste money on unnecessary purchases which are not useful for life and have no point of spending on these are the main reasons why they face problems when money is required. Though money is not the most valuable thing in the world, It is essential.
If a person saves money they can make sure not only them but their upcoming generation also has a good living standard and life comes with lot of up and downs when facing accidents and urgent need of money the money saved comes in handy and you won’t have to take irrelevant loans from banks and pay huge taxes for the loans.
It helps a person be financially independent and responsible with their spending and young people or adult everyone should have this mindset that saving money is a really good habit and the best way to understand the value of money and value of everything in life.
Thus, according to me the view of saving money at every age of life is an exceptional habit and makes you understand the importance of money and makes a person more mature with the decisions he makes for his life
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 clearly stating an agreement with the importance of saving money. The ideas are relevant, covering financial independence, emergency preparedness, and long-term security. However, the development is somewhat superficial. For instance, the mention of 'investing, buying lands and gold' is a list rather than an explanation of how these methods help young people. The argument could be strengthened by providing more specific examples or deeper analysis of why young people specifically struggle with saving. While the position is clear throughout, the supporting points lack the depth required for a higher band score.
Coherence and Cohesion — Band 5.5
The essay is organized into paragraphs, which helps the reader follow the progression of ideas. However, the use of cohesive devices is often mechanical or missing. For example, the transition between the introduction and the first body paragraph is abrupt. There is a reliance on simple conjunctions like 'and' or 'if', and some sentences are run-on, such as 'life comes with lot of up and downs when facing accidents and urgent need of money the money saved comes in handy'. Better use of linking words (e.g., 'consequently', 'furthermore', 'in addition') would improve the flow and logical connection between sentences.
Lexical Resource — Band 5.5
The vocabulary is generally adequate for the task but lacks the range and precision expected at higher levels. The student uses basic terms like 'good living standard', 'unnecessary purchases', and 'really good habit'. There are some inaccuracies in collocation, such as 'take irrelevant loans' (perhaps 'high-interest loans' or 'unnecessary debt' would be more precise). While the meaning is always clear, the lexical range is limited, and there is little attempt to use less common or idiomatic language to demonstrate a more sophisticated command of English.
Grammatical Range and Accuracy — Band 5.5
The essay contains a mix of simple and complex sentence structures, but there are frequent grammatical errors that affect the quality of the writing. Issues include subject-verb agreement ('Saving money help up'), punctuation errors (missing commas and incorrect capitalization, such as 'It is essential'), and awkward phrasing. The sentence structure is often repetitive, relying on simple clauses. While these errors do not prevent the reader from understanding the main points, they are persistent throughout the text and indicate a lack of control over more complex grammatical forms.
See this exact question answered at other band scores — the same prompt compared across bands.
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