Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-08-28

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)

Although financial burden is reality, so one can face atleast one time in a life. Every individual should learn and practice the skills and mind, that how to save money for future development,even from younger age. I firmly agree with this statement, becouse having enough money can avoid financial streess.

No body can predict the future as far unless he experiance the moment. Humans can face unpredictable situations in upcoming, which can lead them to the situation for financial support. It is the art to learn how to manage financial burden at very young age. Starting to save money at very yound age, an adult could become responsible and sensible about his or her future. He or she can avoid to utalize money on unnecessary things. To take an example, i learned at my very young age to save money for future, so now i am financial independent.

Furthermore, some individuals, even after graduation with high grades, are struggling to find a job for financial freedom. It takes too long to get job, therefore one’s should have enough money to support him or her self, instead of being burden on the family. For instance, young people who spent on their career development courses, gets the job earlier. This indicates that saving money at very youn age can benefits you in many circumstances.

While, some belives that at very young age, saving money, could b stressfull for individual, because he had to focus on his or her studies and academic career. To some extend, it might be stressfull and could effect adult’s focus on his career development, but people have start savings at one moment in the life. Its better to opt to start saving at early stage of life to become financial independent.

To conclude, rather than being completely focused on how to save or become financial freedome at young age, and individual should also focus on career development for bright future. Along with it, people or below 30 age, should also learn to save money for the betterment in upcoming life.

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 financial independence and the potential for young people to avoid debt. However, the development of these ideas is somewhat limited. For instance, the argument regarding the stress of saving is mentioned but not fully explored in depth. The response covers all parts of the task, but the supporting examples, such as the personal anecdote, are brief and lack sufficient detail to fully persuade the reader. The conclusion effectively summarizes the main points while adding a nuanced perspective on balancing career development with financial planning.

Coherence and Cohesion — Band 5.5

The essay is organized into logical paragraphs, each with a clear central topic. Cohesive devices are used, such as 'Furthermore', 'To take an example', and 'To conclude', which help guide the reader. However, there are instances where the flow is slightly mechanical or awkward, such as the transition in the first paragraph ('Although financial burden is reality, so one can face atleast one time in a life'). Referencing is generally clear, but some sentences are disjointed, which occasionally disrupts the smooth progression of ideas. Overall, the paragraphing is appropriate and contributes to the coherence of the argument.

Lexical Resource — Band 5.5

The vocabulary is adequate for the task, allowing the writer to express their ideas clearly. There are attempts to use topic-specific language like 'financial independence', 'career development', and 'unpredictable situations'. However, there are several spelling errors ('becouse', 'experiance', 'yound', 'utalize', 'belives', 'freedome') and some awkward collocations ('financial burden is reality', 'people or below 30 age'). While these errors do not impede communication, they indicate a limited range of vocabulary and a lack of precision in word choice, which prevents the essay from reaching a higher band score.

Grammatical Range and Accuracy — Band 5.5

The essay uses a mix of simple and complex sentence structures. While the writer attempts complex sentences, they are often marred by grammatical errors, such as subject-verb agreement issues ('one’s should have', 'young people... gets the job') and incorrect article usage. Punctuation is also inconsistent, particularly with commas. Despite these frequent errors, the meaning remains clear throughout the text. To improve, the writer should focus on mastering basic sentence construction and proofreading for common grammatical slips, as the current frequency of errors is noticeable and occasionally distracts from the content.

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