Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-09-18

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)

For people its very important save money when they are young or in mid/last stages of their livies. Most poeple think saving moeny from the early stages of life is very benifcial and a good strategy of finaicnal stayability, which helps them in hard times. I am completly agree with the statement of saving money in the early stagies of life for a better future planing. Here are the few argument on my agreement of saving money.

When people are at the early stage of our lives and are earing good amout of money form an stable job or a business, at that time they thing that amount is enough for them to maintain a good lifestyle, so they didn't needs ot save money now. But for some it completly change when the got married and have childern, which directly increase their spending. At that time some peope realise that having a good amount of saving or investment can be very benifcial for them in famly planing.

On the other hands, saving money will also helpful for a stable retirement plans, A plently of people save and invets money so they can secure their last stages of lives, so they dont have to be dependent on other and their childerns at that time,

I am also agree with good spending habits, so people can enjoy and spend their lives. For me I have started saving money so i can travel different places of my country as i love traveling. so in my opinion people have to make an good split of saving and expense for the better management of current and ritermen life.

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AI examiner evaluation

Task Achievement / Task Response — Band 5.5

The response addresses the prompt by discussing the importance of saving money for young people and provides a clear personal position ('I am completly agree with the statement'). Key ideas such as financial stability during life transitions (marriage, children) and retirement planning are introduced and supported with reasons. However, the development remains somewhat general and basic. For instance, the argument regarding marriage and children is stated rather than fully extended with deeper examples. Furthermore, there are pronoun inconsistencies regarding perspective ('When people are at the early stage of our lives...'). Nevertheless, all parts of the prompt are addressed, placing the response firmly at Band 6.0.

Coherence and Cohesion — Band 5.5

The essay is arranged into four paragraphs with a clear overall structure, including an introduction, two body paragraphs, and a brief concluding thought. Logical progression is attempted, but cohesive devices are sometimes faulty or mechanical. For example, 'On the other hands' contains a grammatical error, and paragraph transitions feel abrupt. Referencing is occasionally confusing, such as switching between 'people' and 'our'. Paragraphing is used, but the final paragraph is extremely short and followed by a stray punctuation mark. Overall arrangement is coherent enough to follow easily, supporting a Band 6.0 score.

Lexical Resource — Band 5.0

The student demonstrates an adequate vocabulary for the task, attempting some less common collocations like 'finaicnal stayability' (financial stability), 'benifcial' (beneficial), and 'investment'. However, there are numerous spelling errors ('livies', 'poeple', 'moeny', 'completly', 'stagies', 'earing', 'amout', 'form', 'thing', 'childern', 'peope', 'hands', 'helpful', 'invets', 'childerns', 'ritermen') and word-form inaccuracies ('finaicnal', 'stayability'). These errors are noticeable throughout the text, though they rarely impede overall communication. This performance aligns with the Band 5.0 descriptors.

Grammatical Range and Accuracy — Band 5.0

The writer attempts a mix of simple and complex sentence forms, such as 'When people are at the early stage... at that time they thing that amount is enough...'. However, there are frequent grammatical errors, including subject-verb agreement issues ('they didn't needs ot save'), tense inconsistencies ('the got married', 'have childern'), and punctuation mistakes. Many complex structures contain errors that require the reader to occasionally pause, though meaning is still generally decipherable. This represents a solid Band 5.0 level of grammatical control.

See this exact question answered at other band scores — the same prompt compared across bands.

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