Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-09-16

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)

It is undeniable that save money is important for future for all age of group . In this regard it is important for everyone ,including young people , to save money for their future . I agree to a large extent with this notion due to many reason which will outline in forthcoming fragment with logical conclusion .

To commence with ,there are several reason for save money by young people . Firstly Financial stability . To explain it that people may face many unexpected situations such as medical expenses , loss of job and other emergencies . if they have some savings they can deal with these situations without borrowing money from anyone . Secondly achieving their goals . To clarify it that some people save money for their future because they want to achieve they long term goals . Young people may have a dream to open their own business . As by putting small efforts by saving money for their goals , gradually build enough funds for their goals . Moreover , develop good financial managment skills. To justify it that saving from a young age are helps people develop financial responbilities . when young people learn to control unneceessary spending and save a portion from their income . They beecome better at managing money .This habit can benefit them when they start working and earning a regular .As a result they are more important for saving money for young people .

However, there are several drawbacks of this notion . First and foremost are young people have limited money . In other words , many young people are student or have part time jobs so their incomee are less as theey spend money on personal developments or even leisure .

In conclusion , although there are several benefits of this notion such as financial stability , achieving their goals and develop financial managment skills . Yet drawback of this notion can never be neglected at any cost

AI examiner evaluation

Task Achievement / Task Response — Band 5.5

The student addresses all parts of the task by presenting a clear position on the importance of saving money for young people and providing arguments to support it, such as financial stability, achieving long-term goals, and developing financial management skills. They also acknowledge a counter-argument regarding limited income among youth. However, the development of these ideas is somewhat hindered by formulaic structural templates such as 'To explain it that...' and 'To justify it that...', which detracts from natural elaboration. While the main aspects of the prompt are covered, the reasoning remains slightly superficial at points and could be extended further with more concrete examples. Overall, the response meets the requirements for a Band 6.0 as it addresses all parts with relevant, albeit somewhat under-developed, ideas.

Coherence and Cohesion — Band 5.5

The essay displays a coherent overall arrangement with a clear stance and distinct paragraphs for introduction, main body points, counter-argument, and conclusion. However, the use of cohesive devices and signposting language is often mechanical, repetitive, and occasionally non-standard, such as 'To commence with, there are several reason for save money by young people. Firstly Financial stability. To explain it that people may face...' Furthermore, referencing and sentence linking are sometimes faulty due to punctuation errors (e.g., spaces before commas) and sentence fragments. Paragraphing is present, but internal cohesion could be smoother. This level of organisation aligns with the Band 5.5 to 6.0 range, where organisation is visible but cohesion is mechanical and repetitive.

Lexical Resource — Band 5.0

The student attempts a range of vocabulary relevant to the topic, including terms like 'financial stability', 'emergencies', 'unnecessary spending', and 'personal developments'. However, there are numerous word-choice and spelling errors throughout the text, such as 'save money is important', 'all age of group', 'incomee', 'theey', 'beecome', and 'managment'. Less common vocabulary is attempted but frequently inaccurate or misused. These lexical errors and awkward collocations occasionally create strain for the reader, though communication is generally maintained. This performance reflects the descriptors for Band 5.0, where vocabulary is minimally adequate for the task but marred by noticeable spelling and word-choice errors.

Grammatical Range and Accuracy — Band 5.0

The writer attempts a mix of simple and complex sentence forms, but control over grammar and punctuation is inconsistent. There are frequent grammatical errors, particularly regarding verb forms, infinitives, and sentence structures (e.g., 'save money is important for future for all age of group', 'reasons which will outline in forthcoming fragment', 'saving from a young age are helps people', and fragment sentences starting with 'To explain it that'). Punctuation is also problematic, with habitual spacing errors before punctuation marks and run-on structures. While some error-free sentences exist, the frequency of basic grammatical errors places this response firmly at Band 5.0.

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.