Band 6.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.5 · 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 6.5)

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 6.5

The response fully addresses all parts of the task by clearly stating and supporting a strong position on whether everyone, including young people, should save money. The writer introduces a clear viewpoint in the introduction and maintains it throughout the essay. Main ideas are well-developed and supported with relevant examples, such as referencing medical emergencies, educational loans, and major life events like weddings in countries like Nepal. The arguments are extended logically, showing why saving is beneficial for individuals across all age groups. The response satisfies all requirements for a Band 7 or higher, demonstrating a well-thought-out position and thoroughly developed ideas without wandering off-topic.

Coherence and Cohesion — Band 6.5

The essay displays a clear logical organisation and progression throughout. Each paragraph has a distinct focus, beginning with an introduction of the topic and the writer's stance, moving into specific reasons and personal aspirations in the body paragraphs, and concluding with a comprehensive summary. Cohesive devices are used effectively and flexibly, such as 'Furthermore', 'Moreover', and 'In conclusion', which help guide the reader smoothly through the arguments. Paragraphing is used sufficiently and appropriately, ensuring that ideas are grouped logically. Referencing throughout the text is clear, and the overall arrangement is coherent, earning a solid Band 7.

Lexical Resource — Band 6.5

The student uses a sufficient range of vocabulary with some flexibility and precision, demonstrating an ability to use less common lexical items appropriately. Phrases like 'mitigate the burden', 'economic distress', 'personal aspirations', and 'proactively saving money' show an awareness of style and collocation suitable for an academic task. While there are a few minor repetitions of basic concepts, word choices are generally accurate and allow the writer to convey their ideas smoothly without causing any communication barriers. The lexical control comfortably aligns with a Band 7 descriptor.

Grammatical Range and Accuracy — Band 6.5

The writer demonstrates a good variety of complex structures alongside simple forms. Frequent error-free sentences are present, showing good control of grammar and punctuation. Examples such as 'Parents who prioritize saving are less likely to rely on loans...' and 'The foremost significance of savings lies in their ability to protect individuals...' illustrate the effective use of subordinate clauses. Although a few minor errors or slightly verbose phrasing can be found in the conclusion, they do not impede communication in any way. The grammatical range and accuracy consistently meet the criteria for a Band 7.

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