Band 7.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 7.0 · Cambridge IELTS 19 · 2026-09-07

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 7.0)

it is often argued that everyone, including younger generation should save money for future. I strongly agree with this statement, as saving money give financial security to adults to meet unforeseen needs or in case financial emergency whereas for younger people it helps them to achieve their future goals.

First of all, saving money gives financial security. Young people may have lesser liabilities when they start earning which enables them to develop a good habit of saving for the future. If they gradually put aside some proportion of their income, they would have strong financial reserve. This can be particularly useful when they plan to purchase a house or to study abroad.

Another important reason for saving money is unexpected situations which can occur anytime. People may lose their jobs, experience financial difficulty or to pay for the repairs. Without savings, they may have to borrow money from banks or other people, which can lead to debt and financial stress. In contrast, having an emergency fund allows individuals to manage such situations without seriously affecting their daily lives.

However, I do not believe that young people should save every penny and avoid spending money on themselves. Youth is also a time when people can benefit from travelling, developing hobbies and enjoying experiences with friends and family. Spending a reasonable amount on these activities can contribute to personal development and happiness. Therefore, the most sensible approach is to maintain a balance between saving and responsible spending.

In conclusion, I strongly agree that everyone, including young people, should save money for the future. Savings can provide financial stability, protect people from unexpected difficulties and help them achieve long-term goals. Nevertheless, young people should also enjoy the present by spending a reasonable amount of their income on valuable experiences.

AI examiner evaluation

Task Achievement / Task Response — Band 7.0

The response addresses all parts of the prompt, clearly stating a position in the introduction and maintaining it throughout. The ideas are relevant and well-supported, particularly the distinction between financial security and the importance of personal development for young people. The argument is logical and balanced, providing a nuanced view that acknowledges the necessity of saving while also advocating for a healthy approach to spending. The response is well-developed, with clear examples such as purchasing a house or studying abroad, which effectively illustrate the points made.

Coherence and Cohesion — Band 7.5

The essay is logically organized with a clear progression of ideas. Each paragraph has a central theme, and the transition between the necessity of saving and the importance of balanced spending is handled smoothly. Cohesive devices such as 'First of all', 'In contrast', 'However', and 'In conclusion' are used effectively to guide the reader. Paragraphing is used appropriately to separate distinct arguments. The flow is natural, and the relationship between ideas is consistently clear throughout the text.

Lexical Resource — Band 6.5

The vocabulary is generally appropriate and sufficient for the task. You demonstrate a good range of topic-specific language, such as 'financial security', 'liabilities', 'financial reserve', and 'financial stability'. While the range is adequate, it could be further enhanced by incorporating more sophisticated collocations or less common lexical items to reach a higher band. There are no significant errors in word choice, and the language used is precise enough to convey your arguments clearly and effectively.

Grammatical Range and Accuracy — Band 6.5

The essay displays a good mix of simple and complex sentence structures. You demonstrate control over grammar, with the majority of sentences being error-free. There are minor slips, such as 'saving money give' (should be 'gives') and 'in case financial emergency' (should be 'in case of a financial emergency'). However, these errors are infrequent and do not impede communication. The use of punctuation is generally accurate, and the overall grammatical control is solid, supporting the clarity of your arguments.

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