Band 7.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 7.0 · Cambridge IELTS 19 · 2026-09-12

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 rightly believed that "Do not save what is left after spending, but spend what is left after saving."

Saving money act as an essential investment that an individual makes in order to have a peaceful future. I completely stand up for this statement. One key reason is that it offers financial stability, particularly during unforeseen circumstances, particularly during medical emergencies, job loss or any other unexpected expenses that can arise in the time. By reserving money, the individuals can utilise it and not fall under the trap of debt or loans. For instance, a young person who sets aside a portion of their income can easily manage unexpected expenses, such as urgent car repairs or a sudden medical bill, without needing to rely on loans or credit cards.

Moreover, saving money also enables individuals to invest in their future aspirations, such as education or homeownership. By allocating funds for long-term goals, people can achieve financial independence and ensure they are prepared for life’s major milestones. For example, saving early for a deposit on a home can make the dream of homeownership more attainable, even for young adults who are just starting their careers. This approach not only secures a comfortable future but also reduces financial burdens in later years.

In conclusion, saving money is an essential habit that everyone should adopt, regardless of age. It ensures financial security in times of crisis and helps individuals achieve their long-term personal goals. By prioritising savings, people can pave the way for a more secure and prosperous future.

AI examiner evaluation

Task Achievement / Task Response — Band 7.5

The response fully addresses all parts of the prompt by taking a clear position ('I completely stand up for this statement') and supporting it with relevant reasons and examples throughout. The ideas are well-developed, discussing financial stability during unforeseen circumstances like medical emergencies, as well as long-term aspirations such as education or homeownership. The arguments are logical, extended, and relate directly to the importance of saving money for everyone, including young people. The response meets all criteria for this section at a high level.

Coherence and Cohesion — Band 7.5

Ideas are logically sequenced and the progression is clear throughout the essay. Paragraphing is used sufficiently and appropriately, separating the introduction, two distinct body paragraphs focused on different benefits of saving, and a clear conclusion. Cohesive devices such as 'One key reason', 'Moreover', and 'In conclusion' are managed effectively to guide the reader through the argument. Referencing is clear and overall cohesion is smooth and natural.

Lexical Resource — Band 6.5

The student demonstrates a sufficient and generally flexible range of vocabulary for the task, successfully using less common items and collocations such as 'financial stability', 'unforeseen circumstances', 'homeownership', and 'financial independence'. Word choice is generally appropriate, although there is a slight repetition of the root word 'expense' ('unexpected expenses, such as urgent car repairs or a sudden medical bill') and a minor slip with 'Saving money act as' instead of 'acts as'. Nonetheless, the vocabulary is more than adequate to convey precise meanings smoothly.

Grammatical Range and Accuracy — Band 7.0

The writer uses a good variety of complex sentence structures effectively, such as conditional ideas and relative clauses ('a young person who sets aside a portion of their income can easily manage...'). The majority of sentences are error-free, demonstrating good control of grammar and punctuation. There is a minor subject-verb agreement slip in the opening sentence ('Saving money act as' instead of 'acts'), and a slight phrasing issue ('arise in the time'), but these errors are occasional and do not impede communication at all.

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