Band 7.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 7.5 · Cambridge IELTS 19 · 2026-09-01

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, particularly young people, should save money for their future. I strongly agree with this statement because having savings provides financial security, helps people manage unexpected expenses and allows them to achieve their long-term goals.

First of all, saving money gives people a financial safety net when unexpected problems occur. Life can be unpredictable, and individuals may suddenly need money for medical treatment, education or unemployment. If they have savings, they can deal with these situations without borrowing money from others. For example, a young employee who saves part of their monthly salary can support themselves if they lose their job. Therefore, **saving for a rainy day** can reduce financial stress and provide greater stability.

Moreover, developing the habit of saving at a young age can help people achieve their future goals. Many young adults want to buy a house, start a business, travel abroad or continue their education. These goals usually require a large amount of money, so saving a little every month can make a significant difference. As the saying goes, every little bit helps. For instance, a student who regularly saves money from a part-time job may eventually have enough to pay for further education. This habit can also teach young people how to manage their money wisely.

However, young people should not focus entirely on saving and forget to enjoy their present lives. They should find a balance between saving and spending. For example, they can put aside a fixed percentage of their income while using the remaining amount for essential needs and reasonable entertainment.

In conclusion, I strongly agree that everyone, including young people, should save money for the future. Saving for a rainy day provides financial protection, while regular savings can help people achieve their goals and build responsible financial habits.

AI examiner evaluation

Task Achievement / Task Response — Band 7.5

You have fully addressed all parts of the prompt. Your position is clear from the introduction and is maintained consistently throughout the essay. You provide relevant reasons for your agreement, such as financial security and goal achievement, and support these with clear, logical examples. The inclusion of a counter-argument in the third paragraph adds depth to your response, demonstrating a balanced perspective while still upholding your main argument. The ideas are well-developed and the conclusion effectively summarises your stance. You have met all the requirements of the task successfully.

Coherence and Cohesion — Band 7.5

The essay is logically organised with a clear progression of ideas. Each paragraph has a central theme, and the transition between paragraphs is smooth. You make effective use of cohesive devices such as 'First of all', 'Moreover', 'However', and 'In conclusion', which help guide the reader through your argument. The referencing is clear, and the paragraphing is used appropriately to separate distinct points. The flow of information is natural, and there is no evidence of mechanical or repetitive use of linking words.

Lexical Resource — Band 6.5

You demonstrate a sufficient range of vocabulary to discuss the topic with precision. You use some idiomatic expressions like 'saving for a rainy day' appropriately and incorporate relevant collocations such as 'financial safety net', 'unexpected expenses', and 'long-term goals'. While the vocabulary is accurate and fits the context well, it remains largely functional. To reach a higher band, you could incorporate more sophisticated or less common lexical items to demonstrate greater flexibility and nuance in your writing.

Grammatical Range and Accuracy — Band 7.5

Your grammar is consistently accurate, and you demonstrate a good command of complex sentence structures. For example, your use of conditional clauses ('If they have savings, they can deal with...') and complex noun phrases is handled well. The majority of your sentences are error-free, and punctuation is used correctly throughout. There are no significant grammatical errors that impede communication. The variety of structures used is sufficient to convey your ideas clearly and effectively, showing a high level of control over the language.

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