Band 7.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 7.5 · Cambridge IELTS 19 · 2026-09-23

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)

I strongly agree that young people should develop the habit of saving money for the future. Although spending money on present needs and experiences is important, having financial reserves can provide greater security and help young adults achieve their long-term goals.

One major reason why saving is important is that it provides financial protection against unexpected circumstances. Young people may face situations such as unemployment, medical emergencies or sudden educational expenses. If they have accumulated some savings, they can deal with these difficulties without having to rely heavily on their parents or borrow money. Moreover, developing this habit at an early age can encourage responsible financial behaviour throughout adulthood. People who regularly set aside a portion of their income are generally better prepared for major future expenses.

Another important benefit of saving is that it enables young people to achieve significant long-term objectives. For example, they may wish to pursue higher education, purchase a house or establish a business. Such ambitions often require substantial amounts of money, and regular saving can gradually make them financially achievable. In addition, savings can be invested in appropriate financial instruments, allowing individuals to generate additional income over time. Therefore, saving is not simply about restricting expenditure; it can also be a means of building financial independence and wealth.

However, this does not mean that young people should save every penny they earn. They also need to spend money on education, social activities and personal development. Excessive saving at the expense of their current well-being could be counterproductive. The most sensible approach is therefore to maintain a balance between enjoying the present and preparing for the future.

In conclusion, I strongly agree that saving money from a young age is highly beneficial because it provides financial security and helps people achieve important long-term goals. Nevertheless, young people should adopt a balanced approach in which saving is combined with reasonable spending on their present needs and development.

AI examiner evaluation

Task Achievement / Task Response: Band 7.5

The student fully addresses all parts of the task by presenting a clear, well-developed position on whether young people should save money. The introduction establishes a firm stance, which is maintained throughout the essay. The body paragraphs are well-supported with relevant explanations and examples, such as mentioning unemployment, medical emergencies, and long-term objectives like purchasing a house or pursuing higher education. Furthermore, the response acknowledges the nuance that excessive saving should be avoided, demonstrating a thoughtful and balanced approach to the prompt. Ideas are extended logically and supported with appropriate reasoning, meeting all the requirements for a high band score under Task Achievement.

Coherence and Cohesion: Band 7.5

Ideas are logically sequenced and the essay demonstrates a clear progression throughout. Each paragraph has a distinct central topic, starting with financial protection, moving to long-term objectives, and addressing the counter-perspective before concluding. Cohesive devices such as 'One major reason', 'Moreover', 'Another important benefit', and 'Therefore' are used naturally and effectively to guide the reader through the arguments. Paragraphing is used sufficiently and appropriately, and referencing throughout the text remains clear and unambiguous. The management of cohesion and logical flow aligns comfortably with the descriptor expectations for a Band 8 performance.

Lexical Resource: Band 7.5

The student demonstrates a wide, flexible vocabulary range suitable for an academic response. Less common items such as 'financial reserves', 'unexpected circumstances', 'financial independence', and 'counterproductive' are integrated naturally and accurately. Collocations are generally strong, and word choices are precise throughout the text. While the vocabulary is not overly ostentatious, it serves the writer's purpose with fluency and precision. There are no noticeable spelling or word-choice errors, reflecting a strong command of lexical resources corresponding to a Band 8 level.

Grammatical Range and Accuracy: Band 7.5

The response features a wide range of complex structures used accurately and flexibly. Sentences such as 'Although spending money on present needs and experiences is important, having financial reserves can provide greater security...' and 'If they have accumulated some savings, they can deal with these difficulties without having to rely heavily on their parents...' showcase excellent command of subordinate clauses and conditional forms. The majority of sentences are error-free, with only rare, minor slips that never impede communication. Control of grammar and punctuation is consistently high throughout the entire essay, matching the criteria for a Band 8 rating.

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