Band 6.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.0 · Cambridge IELTS 19 · 2026-09-28

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)

Saving money is important as it provides a financial saftey net for emergencies, helps you avoid high-interset debts, and allow you to reach personal goals. The saftey net is important despite of any age.

One key reason of budget allocation inculdes helps in cushioning of emergency without failing into a debt. It helps in payment of sudden bills inculding medical emergency or car repairs. It is benefical in situations like sudden loss of job, providing economic security. Having extra cash also means avoiding debt. For instance, young individuals putting money aside can easily manage an unavoidable expense, without needing to rely on loans or credit-card debt.

Moreover, saving also helps in achievement of bigger goals such as buying a bigger home or paying for a dream car without taking a high interset loans. For example, saving early for deposit on a home can make a dream of homeownership more attainable, even for young adults who are just starting the careers.This approach is not only secures a comfortable for furture but reduces financial burdens.

Furthermore it provides with sense of security in knowing that you have money aside for any unforseen circumstances, that contributes to mental well-being. Saving provides you with flexibility of changing careers or starting a business.

Financial security provides opporunities for future growth.

In conclusion, saving money is an essential habit that everyone can adopt, regardless of age. It ensures financial security in times of crisis and helps individual achieve their long-term personal goals. By prioitizing saving, people can pave the way more secure and prosperous future.

AI examiner evaluation

Task Achievement / Task Response: Band 6.0

The student addresses all parts of the task, taking a clear and well-supported position that everyone, including young people, should save money. The response covers key arguments such as building a safety net against emergencies, avoiding high-interest debt, and funding long-term goals like housing. Ideas are extended with relevant explanations, such as mentioning medical bills and car repairs. However, some arguments tend to be slightly repetitive, particularly around the theme of security and peace of mind. Overall, the task is adequately fulfilled, corresponding to a Band 6.5 descriptor where the main prompt is covered with relevant ideas, though minor under-development exists.

Coherence and Cohesion: Band 6.0

The essay presents a coherent overall arrangement with a clear stance and distinct paragraphs. Cohesive devices are used to signal progression, such as 'Moreover', 'Furthermore', and 'In conclusion'. However, there are instances where referencing and transitions are somewhat mechanical or awkward, such as 'One key reason of budget allocation inculdes helps in cushioning...'. Paragraphing is utilised, although some sentences feel structurally disjointed due to phrasing issues. Cohesion is generally clear enough to guide the reader through the arguments, aligning well with a Band 6.0.

Lexical Resource: Band 6.0

The student demonstrates an adequate range of vocabulary for the task, successfully attempting less common items such as 'financial safety net', 'economic security', and 'homeownership'. However, there are noticeable spelling and word-choice errors throughout the text, including 'saftey' instead of safety, 'interset' instead of interest, 'inculdes' instead of includes, and 'prioitizing' instead of prioritizing. While these errors do not severely impede communication, they restrict the lexical score to a Band 6.0 due to recurring inaccuracies.

Grammatical Range and Accuracy: Band 5.5

The response features a mix of simple and complex sentence forms, demonstrating attempts at varied structures such as relative clauses and conditional ideas. However, frequent grammatical and punctuation errors occur throughout the essay, such as 'allow you to reach' instead of allows, 'despite of any age' instead of regardless of age, and missing articles or prepositions like 'starting the careers'. Furthermore, awkward phrasings like 'helps in cushioning of emergency without failing into a debt' demonstrate weaker control over grammatical accuracy, placing this response firmly at Band 5.5.

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