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)

Saving money for future purposes is essential these days, including young generations. I strongly believe the statement because everything in this world, required money to purchase.

To begin with, saving money nowadays is very much essential for everyone because it can help in future problems that can manifested anytime. I have seen that saving money can assist you during the hardships such as, medications and basic needs. For instance, if you are suffering from diseases and your salary has not been credited so, in such case you can utilize your savings which you have kept as a financial security. Therefore, preserving money as a financial security will reduce your stress and anxiety during hardships.

Furthermore, young individuals who are students and doing internships should at least save a small proportion of amount from your stipend, that can benefit you in several ways, such as for education, health and unexpected expenses. Young citizens can utilize the preserved money for travelling to different countries for searching a job opportunities after internship. For example, if you are planning to settle in abroad to upgrade your career you can utilize your savings instead of asking your parents. Therefore, it prepares you to be self-reliant.

In conclusion, holding money as a financial security is essential these days because it will helps you in preventing problems during hardships, rather than putting you in difficulties, young individuals should also save money to be financially independent. I strongly believe that saving money is essential for everyone, including young individuals.

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, focusing on financial security during emergencies and the benefits of self-reliance for young people. However, the development is somewhat limited; the arguments are repetitive and could benefit from more nuanced exploration. For instance, the discussion on 'hardships' is a good start, but the explanation remains quite general. To reach a higher band, you should aim to expand on your points with more specific, detailed examples or deeper analysis of the long-term implications of saving, rather than just listing basic needs.

Coherence and Cohesion — Band 5.5

The essay is logically organized with a clear introduction, body paragraphs, and a conclusion. You use cohesive devices such as 'To begin with', 'Furthermore', and 'In conclusion' to signal the progression of your argument. However, the use of these devices is sometimes mechanical, and there are instances where the flow is slightly disrupted by awkward phrasing, such as 'everything in this world, required money'. Paragraphing is used appropriately, but the internal cohesion within paragraphs could be improved by varying the sentence structure and ensuring smoother transitions between ideas.

Lexical Resource — Band 5.5

The vocabulary is adequate for the task, allowing you to express your ideas clearly. You use some topic-specific terms like 'financial security', 'stipend', and 'self-reliant'. However, the range is somewhat limited, and there are occasional errors in word choice and collocation, such as 'everything in this world, required money' (should be 'requires') and 'settle in abroad' (should be 'settle abroad'). To improve, try to incorporate more sophisticated vocabulary and idiomatic expressions to demonstrate a wider range of lexical control.

Grammatical Range and Accuracy — Band 5.5

You demonstrate a mix of simple and complex sentence structures. While your meaning is generally clear, there are frequent grammatical errors that occasionally distract the reader. Examples include 'that can manifested' (should be 'that can manifest'), 'a small proportion of amount' (should be 'a small proportion of your stipend'), and 'it will helps you' (should be 'it will help you'). These errors are persistent but do not impede overall communication. To achieve a higher score, focus on subject-verb agreement and the correct use of modal verbs and prepositions.

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