Band 5.0 IELTS Writing Task 2 Model Answer
Overall Band Score: 5.0 · Cambridge IELTS 19 · 2026-08-21
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 5.0)
Some people thought that saving money is necessory for every part of life,but many citizens says that it is not important to save money for future.
In my opinion,I am agree with those people who think thta saving money is a great part of life.Earning money for such individuals who live hand to mouth is very difficult.Thay can earn money only for spending their lives easily.They don't have enough cash to fulfill their wishes.They have to work day and night to complete basic needs.They use some ways like they save funds in the form of insurance and collect small amount of wealth at daily basis from their earnings to save some money for future.in others they now that they should save currency for making house,marrisge of childrens,make sone property for their kids.Young people who are newly enterning in practical life,they need to save wealth to make their future bright and sharpe.
At other side,youngsters of present age are thining different.They think that they should spend funds to get their wishes which they getting from their parents.But they don't know that they are wasting wealth.Now they have time make something for themselves that will be helpfull for old age.Such people who work hard in young age,they get joy in later years,but at other hand kids who waste money on useless desires they face difficulties in old age.
To close the topic about savings in youge age,i want to say that people should save money and don't waste funds on useless hopes.It will be helpful for them to get joy in later years.
AI examiner evaluation
| Criterion | Band |
|---|---|
| Task Achievement / Task Response | 5.0 |
| Coherence and Cohesion | 5.0 |
| Lexical Resource | 5.0 |
| Grammatical Range and Accuracy | 5.0 |
| Overall | 5.0 |
Task Achievement / Task Response — Band 5.0
The response addresses the prompt by expressing a clear position in favor of saving money. However, the development of ideas is limited. While you mention the difficulties of those living 'hand to mouth' and the needs of young people, the arguments are somewhat repetitive and lack depth. The explanation of why young people should save is a bit simplistic, focusing mainly on 'useless desires' versus 'future joy'. To reach a higher band, you should provide more specific, well-developed examples or logical consequences of saving versus spending, rather than repeating the same general points about future security.
Coherence and Cohesion — Band 5.0
The essay is organized into paragraphs, but the logical flow is often interrupted by awkward phrasing and a lack of effective cohesive devices. Transitions between sentences are frequently missing or mechanical, such as the repetitive use of 'at other side' or 'at other hand'. The referencing is sometimes unclear, making it difficult for the reader to follow the progression of your argument. Improving the use of linking words (e.g., 'consequently', 'furthermore', 'in contrast') would help create a smoother, more professional structure.
Lexical Resource — Band 5.0
The vocabulary is limited and often repetitive. You frequently use basic terms like 'money', 'wealth', 'funds', and 'cash' interchangeably, and there are several instances of word-choice errors, such as 'sharpe' instead of 'secure' or 'bright', and 'marrisge' (spelling). The range of vocabulary is insufficient to express complex ideas with precision. To improve, focus on learning collocations related to finance (e.g., 'financial stability', 'long-term investment', 'frivolous spending') and ensure you are using words in their correct context.
Grammatical Range and Accuracy — Band 5.0
There are frequent grammatical errors throughout the text that occasionally impede readability. Issues include subject-verb agreement ('many citizens says'), incorrect verb forms ('newly enterning', 'are thining'), and punctuation errors (missing spaces after commas and periods). The sentence structures are mostly simple or contain errors when you attempt complex constructions. To improve, focus on mastering basic sentence patterns, ensuring correct tense usage, and proofreading for common errors like missing articles and incorrect pluralization.
See this exact question answered at other band scores — the same prompt compared across bands.
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