Band 6.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.5 · Cambridge IELTS 19 · 2026-09-05

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)

Financial savings to secure future are essential for all, especially for young individuals. I strongly agree with the statement because income savings at young age has numerous advantages of financial growth and learning techniques of financial management to reduce stress in future life.

In every day life, every one has to deal with certain things which require huge amount of finance. For instance, if a person strives for high academic qualification, then, lack of money can create hurdles to achieve the desired goals. But a person, who starts savings for the accomplishment of his goals, can pursue his target goals in every aspect. Similarly, A person's wish for having his own accommodation or other necessary luxuries would be difficult to achieve without saving enough money.

Income savings is a great source of Financial stability. For instance, a person who strives for running a business requires a substantial amount of finance, savings can help his to start from a scratch and become financially strong.

Further more, Saving income also develops skills to manage finance in useful manner. For instance, employed people with less wages will spend money more wisely if they have habit of saving money from their early years of life. Similarly, young people at educational institutions decide their priorities in a better way when they need to spend . Saving money contributes to manage preferences for expenditure and helps to reduce financial stress in case of emergency situation. For example, in case of medical emergency, savings supports to bear some unexpected costs related to medical treatment or provision of arrangement at home to patients. Savings helps to pursue those wishes on which, normally people don't want to utilize their regular income. For example, people who want to have exposure of international countries or beautiful locations can fulfill their dreams with their savings.

In conclusion, Income saving has undeniable advantage for everyone including young people as savings have long term impacts for personal and financial stability. Income savings also contributes to money management skills and mitigates stress in emergency situations.

AI examiner evaluation

Task Achievement / Task Response — Band 7.0

You have clearly addressed the prompt and maintained a consistent position throughout the essay. The ideas are relevant, focusing on financial stability, goal achievement, and money management skills. However, some arguments could be more thoroughly developed. For instance, while you mention that saving helps with medical emergencies, the explanation remains somewhat general. To reach a higher band, ensure that each supporting example is fully linked back to the main argument to demonstrate a deeper level of analysis. Overall, you have fulfilled all requirements of the task effectively.

Coherence and Cohesion — Band 6.5

The essay is logically organized with a clear introduction, body paragraphs, and a conclusion. You use a range of cohesive devices such as 'For instance', 'Similarly', and 'Further more' to connect your ideas. However, some transitions feel slightly mechanical, and there are minor issues with referencing, such as 'savings can help his to start', where the pronoun usage is incorrect. Paragraphing is used appropriately to separate distinct ideas, which helps the reader follow your argument. To improve, focus on using a wider variety of linking words to ensure the flow between sentences is more natural and less repetitive.

Lexical Resource — Band 6.0

You demonstrate an adequate range of vocabulary for the task, successfully using terms like 'financial stability', 'priorities', and 'mitigates'. However, there are instances of awkward word choices and collocations, such as 'income savings' (better: 'saving money' or 'accumulating savings') and 'exposure of international countries' (better: 'international travel' or 'global exposure'). There are also some minor errors in word form, such as 'savings supports' (should be 'savings support'). While these errors do not impede communication, they prevent the essay from reaching a higher band. Expanding your range of topic-specific collocations would be beneficial.

Grammatical Range and Accuracy — Band 6.0

You use a mix of simple and complex sentence structures. While you attempt complex sentences, there are frequent grammatical errors, particularly with subject-verb agreement (e.g., 'savings supports', 'every one has to deal') and article usage (e.g., 'at young age' instead of 'at a young age'). Punctuation is generally functional, though there are some unnecessary commas. The errors are noticeable but do not prevent the reader from understanding your message. To improve, pay closer attention to basic grammatical rules like articles and pluralization, and try to incorporate more varied complex structures with greater 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.