Band 5.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.0 · Cambridge IELTS 19 · 2026-09-22

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 5.0)

Financial Freedom provides greater financial security.Although spending money gives you a sense of achivement,saving for the future makes life easier.If young people start paying attention on saving,it will definitely be beneficial in future.In my opinion, money has played significant role in life without that people face bitter reality of life.

However,everyday practiced of saving since early age makes you habitual of that.Without that practice they will get depressed due to not knowing the proper rule for saving money.For instance,the common aspects in many billionaires story is that they were saving money from their childhood.Parents play a crucial role for making their kids sensible regarding money also know how to save money and use it in a difficult time. For that reason,if people want to achive their dreams they should think and live for it till the beginning.

On the other hand,as the detrimental economonies made hand to mouth condition for society, where people face financial crisis also harder for them to servive in their monthly salires.For example,unemploynment as well as lessen opportunities are make people for accepting low wages works that effected harshly on their life.Consequently,It probably difficult for saving money in such circumstances.If government provides jobes after completing the education youngster also have capability to help their families also saving for future.From my perspective,I do agree to that saving money helps to achive their goals such as higher education in top universities and initiate busnisess that give them financial freedom.If our government facilitates young people as well as unemployed they would suerly saving money for better future.

AI examiner evaluation

Task Achievement / Task Response — Band 5.5

The response addresses the prompt by discussing whether young people should save money for their future, taking a clear stance that saving is beneficial and helps achieve goals such as higher education or business initiation. The writer attempts to develop ideas regarding early financial habits and the economic challenges faced by youth, such as unemployment and low wages. However, some arguments are underdeveloped or lack precise extension. For instance, the mention of billionaires is somewhat tangential, and the discussion on economic conditions could be more directly linked to how it affects the core ability to save. While all parts of the prompt are addressed and a position is maintained throughout, the lack of full development and occasional shifts in focus place this performance within Band 6.

Coherence and Cohesion — Band 5.0

The essay demonstrates an overall logical arrangement, with distinct paragraph breaks separating the introduction, body paragraphs, and conclusion. However, cohesion is frequently faulty and mechanical. There are numerous spacing and punctuation errors that disrupt the flow of reading, such as missing spaces after commas and periods (e.g., 'achivement,saving', 'saving,it'). Furthermore, referencing is sometimes unclear, and transitional phrases are used rigidly rather than flexibly. For example, 'On the other hand' is used to introduce an economic challenge, but the logical connection to the previous paragraph's discussion on childhood saving habits is weak. Paragraphing is present, but internal cohesion lacks smooth progression. These issues align closely with the Band 5 descriptors.

Lexical Resource — Band 5.0

The writer attempts a range of vocabulary appropriate for the academic prompt, including terms like 'financial security', 'detrimental economies', and 'financial freedom'. However, there are frequent errors in word choice, spelling, and collocation throughout the text. Examples include 'achivement' (achievement), 'practiced' (practice), 'lessen' (lesser/fewer), 'unemploynment' (unemployment), and 'suerly' (surely). The vocabulary is adequate for communicating the basic message, but inaccuracies in spelling and word formation are noticeable and occasionally cause strain for the reader. The writer attempts less common lexical items, but control is inconsistent, pointing securely to a Band 5 score.

Grammatical Range and Accuracy — Band 5.0

The response contains a mix of simple and complex sentence forms, demonstrating an attempt at varied structures such as conditional clauses ('If young people start paying attention...') and relative clauses. However, grammatical accuracy is weak. There are frequent errors in subject-verb agreement, preposition use, and sentence structure. Examples include 'paying attention on saving' (paying attention to saving), 'parents play a crucial role for making' (crucial role in making), 'are make people for accepting' (make people accept), and 'It probably difficult' (It is probably difficult). Punctuation errors, particularly missing spaces and incorrect comma splices, are also pervasive. Because frequent errors cause some difficulty for the reader despite the presence of complex sentence attempts, a Band 5 is appropriate.

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