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 ones. I believe that this is important for all age of person espacialy for the younger ones 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 is aware of ones 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 across an accident or his some family member is in need of money then he can use the money for his needs.For a young person, they can save their pocket money for their tuition fee or for buying useful gadgets.
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 instance, if you want to buy a house in future or you want to start a business 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. At last, 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 | 5.0 |
| Grammatical Range and Accuracy | 5.0 |
| Overall | 5.5 |
Task Achievement / Task Response — Band 5.5
The student addresses all parts of the task by presenting a clear position that saving money is important for everyone, including young people. The response is generally relevant, with ideas extended and supported by examples, such as saving for accidents, tuition fees, buying a house, or starting a business. However, there is a tendency to over-generalize and repeat points (such as mentioning future uncertainty and bad happenings multiple times). Some ideas, like saving pocket money, are somewhat basic and could be more fully developed with greater depth of reasoning. Consequently, the performance aligns best with Band 6.
Coherence and Cohesion — Band 5.5
The response presents a coherent overall arrangement with a clear introduction and conclusion, and body paragraphs that focus on specific aspects of the prompt. Paragraphing is used reasonably well to separate ideas. However, cohesion is at times mechanical or repetitive, relying heavily on basic transitional phrases like 'In this world no one is aware' and 'It is also essential'. Referencing and logical progression are occasionally disjointed, such as the abrupt transition between paragraphs. Overall, the organizational structure is adequate for Band 6.
Lexical Resource — Band 5.0
The student uses an adequate range of vocabulary for the task, successfully communicating everyday ideas about finance. There are several spelling mistakes ('espacialy', 'accross') and awkward word choices or collocations ('upcoming life', 'bad happening'). While the writer attempts some less common vocabulary such as 'crucial', 'finances', and 'tuition fee', these are accompanied by recurring errors and repetitions of basic terms ('save money', 'future'). Because communication is not impeded despite noticeable lexical inaccuracies, the performance fits Band 5.
Grammatical Range and Accuracy — Band 5.0
The response demonstrates a mix of simple and complex sentence forms, such as 'We are not aware of our future so it is important to save money...' and 'if a person across an accident... then he can use the money...'. There are frequent grammatical errors, particularly regarding verb tense consistency, prepositions ('across an accident' instead of 'gets into an accident'), article usage ('every one', 'the money for his needs'), and pronoun agreement ('a person... their'). While these errors do not completely impede communication, they are frequent enough to prevent the response from reaching Band 6, placing it firmly at Band 5.
See this exact question answered at other band scores — the same prompt compared across bands.
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