Band 7.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 7.5 · Cambridge IELTS 19 · 2026-09-19

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)

Financial savings are essential for individuals of all ages, including young people, for various prudent reasons. I strongly support the assertion that saving money is a valuable practice for securing one's future.

The foremost significance of savings lies in their ability to protect individuals from financial hardships, such as bankruptcy, and to mitigate the burden of accruing debt through bank loans. Even moderate savings can prove invaluable in times of economic distress. For example, in the unfortunate event of a medical diagnosis requiring costly treatment, funds saved in advance can make a considerable difference. Furthermore, accumulated savings can play a critical role in repaying educational loans or facilitating quality education for one's children.

Moreover, financial reserves enable individuals to achieve significant personal aspirations, such as purchasing a home, acquiring a vehicle, and maintaining a high standard of living. Major life events, such as the wedding of a child, can impose considerable financial strain in countries like Nepal. Parents who prioritize saving are less likely to rely on loans from banks and are, consequently, better equipped to handle such expenses.

In conclusion, it is vital for individuals across all age groups to understand their financial situations and to initiate savings early in life to effectively address potential monetary challenges. Savings can provide not only a sense of security but also peace of mind during difficult times. Additionally, having financial resources readily available is crucial in the face of unforeseen life events, such as illnesses or accidents. Ultimately, proactively saving money allows individuals to fulfill their needs and desires without the burden of debt, underscoring the importance of distinguishing between reliance on personal savings versus taking on financial loans. Therefore, it is imperative for everyone, particularly the youth, to contemplate the significance of saving for a more stable and secure future.

AI examiner evaluation

Task Achievement / Task Response — Band 7.5

The response fully addresses the prompt by clearly taking a strong position that saving money is essential for everyone, including young people. The introduction establishes a clear stance, which is maintained consistently throughout the essay. Ideas are well-developed and supported with relevant examples, such as preparing for medical emergencies, educational loans, and major life events like weddings in Nepal. The arguments are extended logically, fulfilling all the requirements of an academic task 2 response. The position is well-supported, and there are no omissions in addressing the prompt.

Coherence and Cohesion — Band 8.0

The essay demonstrates a clear logical organisation and progression throughout. Each paragraph has a distinct central topic, starting with the introduction of the thesis, followed by specific benefits of saving such as preventing financial distress and funding personal aspirations, and concluding with a strong summary. Cohesive devices like 'Furthermore', 'Moreover', and 'In conclusion' are used flexibly and appropriately to guide the reader through the argument. Paragraphing is used sufficiently and effectively, ensuring that ideas are logically sequenced from general principles to specific examples.

Lexical Resource — Band 7.5

The student uses a wide, fluent, and flexible range of vocabulary suited to the academic topic. Less common lexical items such as 'mitigate the burden', 'economic distress', 'unforeseen life events', and 'proactively saving' are employed naturally with a strong awareness of collocation and style. Word choice is generally precise, with only very occasional minor awkwardness. The vocabulary effectively conveys complex ideas without communication ever being impeded, reflecting a strong command of lexical resources.

Grammatical Range and Accuracy — Band 7.5

The essay displays a wide range of complex sentence structures, including participial phrases and conditional-like contexts, utilized with a high degree of accuracy. The majority of sentences are error-free, demonstrating a strong command of grammar and punctuation. Structures such as 'Parents who prioritize saving are less likely to rely on loans...' and 'Ultimately, proactively saving money allows individuals to fulfill their needs...' show excellent control over subordination and coordination. Only very occasional minor slips occur, which do not detract from the overall high quality of writing.

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