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)

Everyone mostly young people should save their money for their future because they not only can utilize this saving in difficult times in their life but also can do a big investment.

Savings give a person a sense of security. A smal amount of money or gold purchases from monthly or annual pay can be save for future life. Bad times did not knock before coming, they just happened. For example, a person sudden attacked from a disease such as cancer and in the process of diagnosis and treatment a big amount of money is required as cancer requires the most expensive treatment. Hence, savings can be used for the treatment of cancer to save a life. Moreover, savings can also be helpful in business losses.

In this era, life has become more demanding while, big investments requires plenty of money or savings. In present times, it has become difficult to buy a dream house, dream car or a commercial area. For example, a person whose monthly income is not as much as he can buy a luxurious house but with valueable management they not only can fulfill the basic requirements of his family but they can also save money penny-by-penny. It will be result in the form of huge savings one day. Consequently, they can purchase whatever they desire for.

In the conclusion, the perspective that everyone should save money is true because these savings can protect a person in their difficult times and can also assist them in any big investment or purchase.

AI examiner evaluation

Task Achievement / Task Response — Band 5.5

The response addresses the prompt by clearly taking a position that saving money for the future is important, particularly for young people, and supports this view with relevant ideas such as security during emergencies and funding major investments. The position is maintained throughout the essay. However, some ideas are slightly under-developed; for instance, the discussion on buying a house or car touches on valuable management and penny-by-penny savings, but the explanation could be extended further. Despite this, all parts of the task are addressed with a clear overall focus. This aligns well with the requirements for Band 6.5 or 6, so a band score of 6.0 is awarded because ideas are generally relevant and supported, though some areas require deeper elaboration.

Coherence and Cohesion — Band 5.5

The essay displays a coherent overall arrangement with a clear introduction, body paragraphs, and a conclusion. Paragraphing is used appropriately to separate different arguments, such as emergency funds versus major investments. Cohesive devices like 'Moreover', 'Hence', and 'Consequently' are used to connect ideas, though referencing and transitions can occasionally feel a bit mechanical or simplistic. For example, the transition into the conclusion reads 'In the conclusion', which is a bit formulaic. However, the logical progression is maintained throughout the text, allowing the reader to follow the writer's argument without confusion. This fits the Band 6 descriptor well.

Lexical Resource — Band 5.5

The student uses an adequate range of vocabulary for the task, attempting some less common items such as 'commercial area', 'luxurious house', and 'valueable management'. However, there are noticeable lexical errors and awkward word choices, such as 'smal amount' (spelling), 'purchases' instead of 'purchased', 'sudden attacked' instead of 'suddenly attacked', and 'valueable' (spelling). Despite these inaccuracies, the vocabulary is sufficient to communicate the main ideas effectively without impeding the reader's understanding. This performance corresponds to a Band 5.5, reflecting a mix of adequate everyday vocabulary and attempts at less common words marred by regular errors.

Grammatical Range and Accuracy — Band 5.0

The writer attempts a mix of simple and complex sentence forms, demonstrating some control over sentence structure with relative clauses and conditional-like ideas. However, there are frequent grammatical errors throughout the text, such as subject-verb agreement issues ('big investments requires'), article misuse ('a big amount of money'), word form errors ('purchases from monthly or annual pay can be save'), and tense inconsistencies ('Bad times did not knock'). While these errors are noticeable and require the reader to occasionally re-read, they rarely completely impede communication. This balance of mixed structures and frequent errors places the grammar firmly at a 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.