Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-08-24

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)

In recent years, it is widely debated topic that money should be save by younger and older generation for their upcoming days. I firmly believe that savings play a significant role in people's life. This will essay will explain why i support saving money for their future is necessary with example.

The primary reason for my opinion is that conserving cash is useful in difficult time. for example, if you faced an unemployment or loss their job so little amount of your saving wealth will be beneficial in that situation for your expenses. Secondly, from your budget you can buy gold or Dimond Jewelry which is also use in your rough and tough situation because the rates of gold are becoming increasing day by day. Furthermore, from your budget you can buy your own house which is very important for accommodation and living purposes.

The another reason is that, it teaches you how to spend money in a useful way rather than wasting it on unnecessary things. such as buying enormous clothes, vast collection of wrist watches, electronics things and many other items just because of trending and maintain high standards among upper class people which is really a waste of cash. Moreover, tighten your belt also useful to buy necessary things in the future for instance, buying laptop, computer, flat, and many things which are beneficial for your career and accommodation.

In conclusion, as far as i am concerned saving scrimp and save have many benefits for individuals such as buying your own house, gold and many useful things which paly important role in daily life. Secondly, it also teaches proper way of spending money and how to survive in a small budget and prepare and save you from hard time.

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, such as the importance of savings for emergencies and long-term goals like housing. However, the development is somewhat limited; the arguments are presented in a list-like fashion rather than being fully explored. For instance, the discussion on buying gold or jewelry as a financial strategy is a bit simplistic. While the main points are clear, the essay would benefit from more depth and nuanced examples to reach a higher band. The conclusion effectively summarizes the main points, reinforcing the student's stance.

Coherence and Cohesion — Band 5.5

The essay is organized into logical paragraphs, each with a clear focus. Cohesive devices are used, such as 'The primary reason', 'Secondly', and 'In conclusion', which help guide the reader. However, some transitions are mechanical or slightly awkward, such as 'The another reason is that'. Additionally, referencing is occasionally unclear, for example, 'their job' in the second paragraph lacks a clear antecedent. While the overall progression is coherent, the use of cohesive devices is not always flexible or natural, which prevents a higher score.

Lexical Resource — Band 5.5

The vocabulary is generally adequate for the task, allowing the student to convey their ideas clearly. There are attempts to use less common vocabulary, such as 'conserving cash' and 'unemployment', but there are also instances of awkward phrasing or incorrect word choice, such as 'saving wealth', 'Dimond Jewelry', and 'tighten your belt also useful'. Spelling errors like 'Dimond' and 'paly' are present. The range is sufficient to communicate the message, but the lack of precision and occasional errors in collocation limit the score to the 6.0 band.

Grammatical Range and Accuracy — Band 5.5

The essay uses a mix of simple and complex sentence structures. However, there are frequent grammatical errors throughout the text, such as 'it is widely debated topic', 'money should be save', 'if you faced an unemployment', and 'rates of gold are becoming increasing'. Subject-verb agreement and article usage are inconsistent. While these errors do not completely impede communication, they are frequent enough to be noticeable and detract from the overall quality of the writing. A wider range of error-free complex structures is needed for a higher band.

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