Band 7.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 7.5 · 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 7.5)

There is a common belief that it is crucial for everyone, especially young people, to save money for their future. I share this view, as saving money is beneficial on two levels.

In the short term, saving money from a young age helps cultivate a positive mindset towards financial management. By paying more attention to money and savings, individuals begin to recognize the effort it takes to earn that money. For instance, if an undergraduate student spends half of their living expenses provided by their parents on a single luxury item instead of saving it, once they enter the workforce, they may continue to exhibit extravagant spending habits. Consequently, this could make it challenging for them to save for necessary expenses like rent. Therefore, young people should prioritize saving money as early as possible to ensure their independence and financial stability.

In the long term, having sufficient savings is essential for ensuring a decent quality of life in old age. As people age, it becomes increasingly inconvenient to live without professional caregivers. However, hiring such caregivers is often unaffordable for most, as their salaries generally exceed typical pension amounts. For example, a professional caregiver in Shanghai earns around 6,000 RMB per month, which is significantly higher than the average pension of 5,000 RMB. Therefore, it is important for individuals to start saving from a young age to secure their well-being in later life.

In conclusion, saving money during youth is advantageous as it addresses financial challenges both in the short term and long term. It is advisable that this awareness be widely promoted and practiced throughout society.

AI examiner evaluation

Task Achievement / Task Response — Band 7.5

The student fully addresses all parts of the prompt by clearly stating their position in the introduction and maintaining it throughout the essay. The response presents well-developed ideas, dividing them logically into short-term and long-term benefits. For instance, the short-term benefit is supported by an example of an undergraduate student managing living expenses, while the long-term benefit is illustrated by concrete financial figures regarding professional caregivers and pensions in Shanghai. These examples successfully extend and support the main arguments, demonstrating a thorough understanding of the task requirements. The position is clear throughout, and no parts of the task are omitted, earning a strong band score for this criterion.

Coherence and Cohesion — Band 7.5

The essay displays a clear logical organization and progression throughout. Ideas are logically sequenced, moving smoothly from the introduction to short-term benefits, long-term benefits, and a concise conclusion. Paragraphing is used sufficiently and appropriately, with each paragraph focusing on a distinct central theme. Cohesive devices such as 'In the short term', 'Consequently', 'Therefore', and 'In the long term' are employed effectively to guide the reader through the argument. Referencing is clear, and although cohesion is slightly formulaic in places, it is well managed overall, contributing to a seamless and coherent reading experience that meets the requirements for a high band score.

Lexical Resource — Band 6.5

The student demonstrates a sufficient and generally flexible range of vocabulary suitable for an academic response. Less common items and collocations are used with reasonable awareness of style, such as 'cultivate a positive mindset', 'extravagant spending habits', 'financial stability', and 'decent quality of life'. Word choice is generally precise, although there are minor instances of repetition or slightly standard phrasing. Spelling and word formation are accurate throughout, with no errors that impede communication. While it does not consistently reach the sophisticated lexical control of the highest bands, the vocabulary is more than adequate to convey complex ideas clearly and effectively.

Grammatical Range and Accuracy — Band 7.5

The response features a good variety of complex sentence structures, including conditional clauses ('if an undergraduate student spends...') and participial phrases. The majority of sentences are error-free, and the writer demonstrates good control of grammar and punctuation. Complex structures are attempted with success, and punctuation is handled correctly to separate clauses. Minor flaws are virtually non-existent, reflecting a high level of grammatical accuracy and a strong command of sentence architecture. The structural variety and precision easily align with the descriptors for an eighth band, reflecting a mature and polished writing style.

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