Band 5.5 IELTS Writing Task 2 Model Answer
Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-09-17
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)
Saving money for the upcoming life is essential not only for older people but also for younger one's. I believe that this is important for all age of person espacialy for the younger one's to save money for their future. We are not aware of our future so it is important to save money for any bad happening. We can also save our money for any our future goals.
In this world no one one is aware of one's future so we do not know if we get into a bad accident or we lose our job. So it is crucial for every one to save some money for future. For example if a person came across an accident or his some family member is in need of money then he can use the money for his needs.For young person, they can save their pocket money for their tution fee or any gadget they want to buy.
It is also essential to maintain your finances according to your need and amount of money you earn. You can save your money for your future goals. For example, if you want to buy a house in future or you want to start a bussiness you should save your some part of salary for that reason.
In conclusion, I strongly agree with saving money as it can provide you a sense of mental calm when you know that you have money for your future goals and any bad happening. So I agree with this opinion of saving money.
AI examiner evaluation
| Criterion | Band |
|---|---|
| Task Achievement / Task Response | 5.5 |
| Coherence and Cohesion | 5.5 |
| Lexical Resource | 5.5 |
| Grammatical Range and Accuracy | 5.5 |
| Overall | 5.5 |
Task Achievement / Task Response — Band 5.5
The response addresses all parts of the prompt by discussing why saving money is important for everyone, including young people. The student takes a clear position agreeing with the statement, stating that saving is crucial for unexpected emergencies and future goals. Ideas are supported with relevant examples, such as saving for accidents, tuition fees, or purchasing a house and starting a business. However, some arguments are slightly repetitive, particularly in the conclusion and introduction, where the same points regarding unexpected events and goals are restated. While the development is sufficient to meet the basic requirements of the task, extending the analysis further into the socio-economic impacts of saving would push the response into higher band levels. Overall, the task is addressed adequately, earning a solid band 6.0.
Coherence and Cohesion — Band 5.5
The essay displays a coherent overall arrangement with a clear introduction, body paragraphs, and a concluding statement. Paragraphing is used to separate distinct ideas, such as unexpected emergencies in the second paragraph and long-term goals in the third. However, cohesive devices are sometimes mechanical or repetitive, such as the frequent reliance on 'For example' and 'So'. Referencing is generally clear, but transitional phrases between sentences could be more varied and sophisticated to ensure smoother progression. While logical organization is present throughout, the mechanical nature of the cohesive links prevents the response from achieving a higher score.
Lexical Resource — Band 5.5
The vocabulary used is adequate for the task, but contains noticeable spelling and word-choice errors, such as 'upcoming life' instead of 'future', 'espacialy', 'one's' instead of 'ones', and 'bussiness'. There are attempts to use less common vocabulary, such as 'crucial', 'finances', and 'mental calm', but inaccurate word forms and spelling mistakes ('tution', 'happening' used as a noun) detract from precision. The range of vocabulary is sufficient to convey the main message, but errors in spelling and collocation occasionally cause minor strain for the reader, placing the response firmly in the band 5.5 to 6.0 range.
Grammatical Range and Accuracy — Band 5.5
The response demonstrates a mix of simple and complex sentence forms, such as conditional structures ('if a person came across an accident... then he can use...'). However, there are frequent grammatical errors throughout the text, including subject-verb agreement issues ('all age of person', 'young person, they can'), incorrect pluralization ('younger one's'), and awkward phrasing ('any our future goals'). Punctuation is also inconsistent, particularly with spacing around commas and periods. Although these errors do not completely impede communication, their frequency prevents the writer from achieving a higher band score.
See this exact question answered at other band scores — the same prompt compared across bands.
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