Band 5.5 IELTS Writing Task 2 Model Answer
Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-08-25
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)
I completely agree that everyone ,inculding young people, should save money for the future.
First, saving money help us in emergence. life is full of problems like illness , accident or lossing a job. if we have savings, we do not need to borrow money from others. for example , during COVID-19 many families with saving surrived easily.
Second, savings helps us to achive our goals. young people wants to study , travel or start our bussiness. All these things need money. If we start early, we can pay for univerties, or buy a house without taking loans. some people say that young people should enjoy and not worry about money. but i think even saving a small amount every month is good . we can enjoy and also at same time.
Third, saving teaches us good habits. when young people learn to save, they learn to spend wisely and not waste money. This habits helps them their whole life and make them possible. This good habit stays with them their whole life and helps them become financially independent. however, saving a small amount for money does not stop anyone from enjoying life.
In couclusion, i belive that saving money is essential for a safe and succesfull future. it provides securtiy, helps achive goals and bulids good financial habits. therefore, everyone, including young people, should save money.
AI examiner evaluation
| Criterion | Band |
|---|---|
| Task Achievement / Task Response | 5.5 |
| Coherence and Cohesion | 5.5 |
| Lexical Resource | 5.5 |
| Grammatical Range and Accuracy | 5.5 |
| Overall | 5.5 |
Task Achievement / Task Response — Band 5.5
The response addresses the prompt by taking a clear position and providing relevant arguments. However, the essay is under the 250-word minimum, which limits the depth of development. While the ideas regarding financial security, goal achievement, and habit formation are relevant, they are somewhat brief. To improve, you should expand on your examples—for instance, instead of just mentioning COVID-19, explain how savings specifically prevented financial ruin for a family. Because the response is under-length, it cannot fully develop its ideas to the level required for a higher band score.
Coherence and Cohesion — Band 5.5
The essay is organized into logical paragraphs, each with a clear focus. You use transition words like 'First', 'Second', 'Third', and 'In conclusion' to guide the reader. However, the cohesion is sometimes mechanical, and there are minor issues with sentence-level flow. For example, the sentence 'This habits helps them their whole life and make them possible' is unclear and lacks a clear referent. Improving the variety of cohesive devices beyond simple numbering would help the flow of ideas feel more natural and sophisticated.
Lexical Resource — Band 5.5
The vocabulary is generally adequate for the task but lacks variety and precision. You use basic terms like 'good habits' and 'problems' repeatedly. There are also several spelling errors, such as 'inculding', 'emergence' (meant 'emergencies'), 'surrived', 'achive', 'bussiness', 'univerties', and 'bulids'. These errors are frequent enough to be noticeable. To reach a higher band, you should aim to use more precise academic vocabulary and ensure your spelling is accurate, as these errors occasionally distract the reader from your message.
Grammatical Range and Accuracy — Band 5.5
The essay uses a mix of simple and complex sentence structures. However, there are frequent grammatical errors, such as subject-verb agreement issues ('saving money help us', 'savings helps us', 'young people wants') and missing articles or prepositions ('during COVID-19', 'at same time'). Punctuation is also inconsistent, particularly with spacing around commas and capitalization. While the meaning is generally clear, the high frequency of these errors limits the score. Focusing on proofreading for basic subject-verb agreement and article usage will significantly improve your accuracy.
See this exact question answered at other band scores — the same prompt compared across bands.
Browse more IELTS Writing model answers or get your own writing scored by the same AI examiner.