Band 6.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.0 · Cambridge IELTS 19 · 2026-09-26

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 6.0)

The need for keeping money for future use is of significant importance due to the uncertainities of life,emergencies and economy changes, considering all these i largely agree to saving for the future.There may be few factors that contradict to the need of saving money such as unemployment and health problems.

All adults are expected to put money aside incase they face an unexpected emergency.A lot of things can go wrong which results in a lot of money been needed.A person can face a health problem which requires procedures like surgery that requires a lot of money.If it happens that someone has to face such a predicament without any savings they might face losing a life or their loved ones.Furthermore, life is so unpredictable that one moment you can have everything figured out and next moment you might have accomodation problems.Keeping money for unforseen circumstances helps tackle these problems .

Though saving is greatly advisable, we cannot ignore the fact that it is totally impossible for some individuals to have extra money to keep.Due to the rising problems of unemployment, a lot of people are finding it difficult to cater for themselves not to talk more of having surplus to keep aside.We cannot expect someone to put money aside for future use whwn they dont have enough to feed on at the moment.

Although saving money is of paramount importance since it helps with fixing emergency problems and unexpected health issues but issues like significance unemployment rate makes it impossible to.

AI examiner evaluation

Task Achievement / Task Response: Band 6.0

The response addresses all parts of the task by taking a clear stance that saving money is important while acknowledging counter-arguments regarding those who cannot afford to save. The position is maintained throughout the essay. Ideas are extended with relevant examples, such as unexpected health problems requiring surgery and unemployment challenges. However, some arguments lack deeper elaboration, and the conclusion is slightly repetitive with the introduction. Overall, the task is addressed adequately, placing this response at Band 6.0.

Coherence and Cohesion: Band 6.0

The essay presents a coherent overall arrangement with a clear introduction, body paragraphs, and a concluding thought. Paragraphing is used appropriately to separate distinct ideas, such as the necessity of savings versus the inability to save due to unemployment. However, cohesion is sometimes faulty or mechanical. There are noticeable issues with spacing and punctuation after full stops and commas, which disrupts the natural flow. Additionally, referencing and transitional phrases like 'incase' and 'to not talk more of' hinder smoother progression. This reflects the Band 6 descriptor.

Lexical Resource: Band 6.0

The student uses an adequate range of vocabulary for the task, attempting less common terms such as 'predicament', 'unforeseen circumstances', and 'paramount importance'. However, there are noticeable spelling errors ('uncertainities', 'economy changes', 'accomodation', 'unforseen', 'whwn') and word-choice inaccuracies ('money been needed', 'significance unemployment rate'). These lexical lapses and spelling mistakes indicate an overall Band 6 level, though communication is not severely impeded.

Grammatical Range and Accuracy: Band 5.5

The response demonstrates a mix of simple and complex sentence forms, such as conditional structures ('If it happens that someone has to face...') and relative clauses. However, there are frequent grammatical errors and punctuation issues throughout the text, including missing spaces after punctuation marks, subject-verb agreement errors ('surgery that requires', 'issues like significance unemployment rate makes'), and awkward phrasing. While the meaning remains mostly clear despite these errors, the density of grammatical slips prevents the essay from reaching a higher band, making Band 5.5 a fair assessment.

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