Band 7.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 7.5 · 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 7.5)

It is often argued that people of all ages, including young people, should save money for their future. Although some people believe that young adults should focus more on enjoying their lives rather than worrying about financial matters, I strongly agree that developing the habit of saving is essential. This is because savings can provide financial security during unexpected situations and help individuals achieve important long-term goals.

One of the main reasons why people should save money is that unexpected financial problems can occur at any stage of life. For instance, a person may suddenly lose their job, face a medical emergency or need to support a family member during a difficult period. Without any savings, they may be forced to borrow money from friends, relatives or financial institutions, which can create additional stress and debt. On the other hand, individuals who have regularly saved a portion of their income are more likely to manage such situations without experiencing serious financial difficulties. Therefore, saving money can provide people with greater security and independence.

Another important reason is that savings can help young people achieve their future ambitions. Many individuals hope to pursue higher education, buy a house, purchase a car or start their own business. However, achieving these goals often requires a significant amount of money. If young people begin saving at an early age, they can gradually accumulate funds and become less dependent on loans in the future. For example, a student who saves a small amount of money regularly may eventually be able to contribute towards their university expenses or other important needs. In addition, developing good financial habits at a young age can help people manage their income more responsibly throughout their lives.

In conclusion, I strongly agree that everyone, especially young people, should save money for the future. Not only can savings provide protection during financial emergencies, but they can also help individuals achieve important personal and professional goals while reducing their dependence on borrowing.

AI examiner evaluation

Task Achievement / Task Response — Band 8.0

The response fully addresses all parts of the prompt. You have taken a clear position from the introduction and maintained it throughout the essay. The ideas are well-developed, with each paragraph focusing on a distinct, relevant argument—financial security and long-term goal achievement. You support these points with logical explanations and relevant examples, such as the mention of medical emergencies and university expenses. The conclusion effectively summarises your main points without introducing new information. The response is balanced and demonstrates a strong understanding of the task requirements.

Coherence and Cohesion — Band 8.0

The essay is logically organized with a clear progression of ideas. Each paragraph has a central theme, and the transition between paragraphs is smooth. You use a variety of cohesive devices effectively, such as 'For instance,' 'On the other hand,' and 'In addition,' which help guide the reader through your arguments. The paragraphing is appropriate, with a clear introduction, two body paragraphs, and a conclusion. The use of referencing is precise, ensuring that the flow of information remains consistent throughout the text. The structure is coherent and easy to follow.

Lexical Resource — Band 7.0

You demonstrate a good range of vocabulary that is appropriate for an academic essay. Phrases such as 'financial security,' 'accumulate funds,' and 'unexpected financial problems' show a solid command of topic-specific language. While the vocabulary is accurate and conveys your meaning clearly, it could be elevated further to reach the highest band by incorporating more sophisticated collocations or less common idiomatic expressions. However, the current range is sufficient to express your ideas with precision and flexibility, and there are no errors in word choice that impede communication.

Grammatical Range and Accuracy — Band 7.5

The essay displays a good variety of complex sentence structures, such as the use of conditional clauses ('If young people begin saving...') and concessive clauses ('Although some people believe...'). The majority of your sentences are error-free, and your control over punctuation and verb tenses is consistent. There are no significant grammatical errors that hinder the reader's understanding. To move to a higher band, you could experiment with more diverse sentence types, such as inverted structures or more advanced passive constructions, but the current level of accuracy and range is very strong.

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