Band 7.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 7.5 · 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 7.5)

It is often argued that everyone, including young people, should develop the habit of saving money for their future. I strongly agree with this view because financial savings can provide security in times of unexpected difficulties and help young people achieve important long-term goals. However, I also believe that saving should be balanced with spending on education, experiences and personal development.

One major reason why saving money is important is that it provides financial security. Unexpected expenses, such as medical bills, unemployment or urgent household repairs, can arise at any stage of life. People who have accumulated some savings are more capable of handling such situations without having to borrow money or rely on others. This is particularly important for young adults, as developing good financial habits at an early age can prevent them from facing serious financial difficulties later in life. For example, a young employee who regularly saves a portion of their salary could build an emergency fund to cover several months of living expenses.

Another significant advantage of saving is that it allows people to achieve long-term goals. Young people may eventually want to purchase a house, pursue higher education, start a business or support their family. These goals often require substantial amounts of money, and regular savings can make them more achievable. Moreover, learning to manage money from an early age can teach young people valuable skills such as budgeting, financial planning and responsible spending. Therefore, saving is not merely about accumulating wealth; it also helps individuals become financially independent and disciplined.

Nevertheless, I do not believe that young people should save every possible amount of money at the expense of enjoying their present lives. Spending money on education, travel, hobbies and social activities can also contribute to personal growth and well-being. For instance, investing in a professional course may improve a young person's skills and increase their future earning potential. Consequently, a sensible approach would be to save a reasonable proportion of one's income while using the remainder for essential expenses and meaningful experiences.

In conclusion, I strongly agree that saving money is important for everyone, including young people, because it provides financial security and helps individuals achieve future goals. However, young people should not focus exclusively on saving; maintaining a sensible balance between preparing for the future and enjoying the present is the most practical approach.

AI examiner evaluation

Task Achievement / Task Response — Band 7.5

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 specific aspect of the argument—financial security, long-term goals, and the necessary balance between saving and spending. The examples provided, such as building an emergency fund or investing in professional courses, are relevant and effectively support your arguments. The conclusion provides a concise summary that reinforces your stance. The response is balanced and demonstrates a sophisticated understanding of the topic.

Coherence and Cohesion — Band 7.5

The essay is logically organized with a clear progression of ideas. Each paragraph has a distinct central theme, and the transition between paragraphs is smooth. You use a variety of cohesive devices effectively, such as 'One major reason', 'Another significant advantage', 'Nevertheless', and 'Consequently', which guide the reader through your argument without being repetitive or mechanical. The paragraphing is logical and contributes to the overall clarity of the response. The referencing is precise, and the flow of information is natural throughout the text.

Lexical Resource — Band 7.5

You demonstrate a wide and flexible range of vocabulary, which allows for precise expression of your ideas. You use less common lexical items such as 'accumulated', 'financial independence', 'disciplined', and 'earning potential' with high accuracy. The collocations are natural, and there is no evidence of word-choice errors that would impede communication. Your vocabulary is well-suited to the academic nature of the task, showing a good awareness of style and register throughout the essay.

Grammatical Range and Accuracy — Band 7.5

The essay displays a wide range of grammatical structures, including complex sentences with subordinate clauses and conditional structures. The majority of your sentences are error-free, and your control over punctuation is excellent. You use a variety of sentence forms, such as 'People who have accumulated some savings are more capable of handling such situations...' and 'Consequently, a sensible approach would be to save...', which demonstrates high proficiency. There are no significant grammatical errors, and the few minor slips that might occur are non-systematic and do not affect the clarity of your writing.

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