Band 6.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.5 · Cambridge IELTS 19 · 2026-08-26

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 6.5)

Forming the habit of saving is undoubtedly a good practice for people of all ages. It teaches us to be economic and allows us to lead a life with minimal financial crisis. Therefore, everyone including the younger people should try to put a certain portion of their income into savings. I mostly agree with this statement, though there might be some poeple who do feel the need to save. My justifications are discussed below.

In todays world, a considerable number of countries are facing the problem of inflation. As a result, the income of the people is not sufficient to meet all the needs and demands. So, people need other sources of income to lead a decent life. Savings can play a major role in this case. People can invest their money to generate revenue which will provide them with additional income. However, the money earned can further be invested for future safety. Another important benefit that can arise from savings is the sense of security. The money saved can be used in the time of crisis which allows us to face a difficult situation with strength. People who do not save may face the urgency to borrow money from a financial institution or from the people they know. Consequently, they experience more burden, since they need to pay off the debt along with interest.

Savings also allow poeple to purchase something for which they may not have the budget at that point in time. This practice also enables people to avoid unnecessary expenditures and waste of resources. Thus, this habit should be practiced from the beginning, especially by young people before stepping into their professional life because this will help them to learn to manage their finances properly.

Nonetheless, some people possessing vast amount of resources, do not feel the need to save. Which may seem to make sense but bad things can happen at any time for which savings can provide a cushion.

AI examiner evaluation

Task Achievement / Task Response — Band 6.5

The response addresses the prompt clearly and maintains a consistent position throughout. You have provided relevant arguments regarding inflation, financial security, and the development of good habits. However, the development of these ideas is somewhat limited. For instance, the point about investing to generate revenue is mentioned but not fully explored in the context of young people. Additionally, the counter-argument in the final paragraph is quite brief and lacks depth. To reach a higher band, ensure that each supporting point is fully explained with more specific examples or logical consequences. Overall, the response is well-focused and directly answers the question asked.

Coherence and Cohesion — Band 6.5

The essay is logically organized with a clear introduction, body paragraphs, and a conclusion. You use cohesive devices such as 'In todays world,' 'As a result,' and 'Consequently' to link ideas effectively. Paragraphing is used appropriately to separate distinct points. However, there are minor issues with cohesion; for example, the sentence 'Which may seem to make sense but bad things can happen...' is a sentence fragment that disrupts the flow. Improving the transition between sentences and ensuring that all sentences are grammatically complete would enhance the overall coherence of your writing.

Lexical Resource — Band 6.0

You demonstrate a sufficient range of vocabulary to discuss the topic with some precision. Phrases like 'minimal financial crisis,' 'unnecessary expenditures,' and 'provide a cushion' are used effectively. There are some minor spelling errors, such as 'poeple' (repeated) and 'todays' (missing apostrophe). While you use some less common vocabulary, the range is not yet wide enough for a higher band. To improve, try to incorporate more sophisticated collocations and ensure consistent accuracy in spelling and word choice throughout the essay.

Grammatical Range and Accuracy — Band 6.0

You use a mix of simple and complex sentence structures, which is appropriate for this level. There is generally good control over grammar, though some errors persist. For example, 'everyone including the younger people' should be 'everyone, including young people,' and there is a missing apostrophe in 'todays.' The sentence fragment 'Which may seem to make sense...' is a notable grammatical error. While these errors do not impede communication, they prevent the essay from reaching a higher band. Focus on proofreading for punctuation and ensuring that all complex sentences are complete and correctly punctuated.

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