Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-08-22

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)

Some people believe that it is necessary for all kind of people, specially mentioned for young generations to save money for upcoming days. As money helps people to fulfill their needs and live a luxury life, everyone should also protect their income by avoiding extra cost and demands. I totally agree with this statement.

In recent times, people are concerned about saving money which is not bounded to any age groups including teenagers, adults and also elder citizens. The main reason for this is to secure the future where they would live a life with fulfilling all of their needed. For instance, if they maintain their expenses and accumulate some amount of money, they will help to do a desired thing in next time.

On the other hand, the term of savings money for upcoming days is a backup for any unexpected situations or emergencies, when people would be able to overcome their financial crisis. The other thing is that extra funds would give people relief for their future expenses. For this reason, younger people also should be aware of reducing expenses for unnecessary things and protect a portion of currency for the next time.

In conclusion, financial ability ensure a better life for living standard, people should not live a luxurious life in not only today but also in the future. Younger people should be encouraged by elder people to save up their money for their next better life which would help to their necessary time by showing the reality.

AI examiner evaluation

Task Achievement / Task Response — Band 5.5

The response addresses the prompt and maintains a clear position throughout. However, the development of ideas is somewhat repetitive and lacks depth. For instance, the argument regarding 'unexpected situations' in the third paragraph is a valid point, but it is not fully explored with specific examples or nuanced reasoning. The ideas remain at a general level, which prevents the essay from reaching a higher band. To improve, you should aim to provide more concrete, real-world examples or deeper analysis of why saving is particularly crucial for young people specifically, rather than just general statements about financial security.

Coherence and Cohesion — Band 5.5

The essay is organised into logical paragraphs, and there is a clear introduction and conclusion. Cohesive devices are used, such as 'In recent times', 'On the other hand', and 'In conclusion', which help the flow. However, some transitions feel a bit mechanical or slightly awkward, such as 'The other thing is that' and 'by showing the reality'. Additionally, the referencing is sometimes unclear, particularly in the final paragraph where the connection between 'elder people' and 'showing the reality' is vague. Improving the variety and precision of your linking words would enhance the overall flow.

Lexical Resource — Band 5.0

The vocabulary is adequate for the task but lacks the precision and range required for higher bands. There are several instances of awkward collocations and word choices, such as 'all kind of people', 'protect their income', and 'portion of currency'. The phrase 'next time' is used repeatedly in a way that does not sound natural in this context. To improve, focus on learning more sophisticated collocations related to finance, such as 'financial stability', 'prudent saving', or 'long-term fiscal planning', and ensure you use words that fit the specific context of the argument.

Grammatical Range and Accuracy — Band 5.0

The essay uses a mix of simple and complex sentence structures, but there are frequent grammatical errors that occasionally distract the reader. Examples include 'specially mentioned for young generations', 'which is not bounded to any age groups', and 'financial ability ensure a better life'. Subject-verb agreement and preposition usage are inconsistent. While the meaning is generally clear, these errors prevent the writing from being considered accurate. You should focus on proofreading for basic errors like pluralisation and verb forms, and try to incorporate more complex sentence structures with greater accuracy.

See this exact question answered at other band scores — the same prompt compared across bands.

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