Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · 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 5.5)

Nowadays, the cost of living is getting high day by day because of which sometimes it becomes difficult to manage the finances.In personally believe that It is important for everyone, including young people, to save money for their future.

One of the main reason that younger generation should also start saving money is because they can become more financial independent. This would definetly help them further when they have to make certain decision in their life and want to get closer to their dreams and goals. For example, after completion of my graduation I started doing a job and tried to save my that income because my goal was to start a business.so this year I started my business of food truck with the help of money that I saved which in result gave me an opportunity to fulfill my dreams and getitng closer to my goals.

Another important reason that everyone should save money for their future is because it would them when they might I have to go through difficult circumstances.So saving money would help the person in financial crisis.For instance, before few years back, my father had met an accident and he was on complete bed rest for 9 months and he was the only source of income for us at that time but as he had made lot of savings by investing money which in result helped us to manage our finances at that time.

In conclusion, I believe that it is important for everyone, including young people, to save their money for future because it would definetly help them in future in form of investment, or to achive their goals or dreams, and would help them in difficult circumstances too.

AI examiner evaluation

Task Achievement / Task Response: Band 6.0

The student addresses all parts of the task by clearly stating a position agreeing with the prompt and supporting it with relevant reasons and personal examples. The stance is maintained throughout the essay. In the body paragraphs, the writer provides explanations regarding financial independence and managing difficult circumstances, using appropriate personal anecdotes. However, the development of ideas tends to be slightly brief, and the arguments could be extended further with broader societal examples rather than relying solely on personal experiences. The response successfully covers the prompt, aligning well with the Band 6 or Band 7 descriptors. Because the position is clear and all parts of the prompt are addressed with relevant supporting ideas, a score of 6.5 is awarded, leaning towards Band 7 for its clear stance.

Coherence and Cohesion: Band 5.5

The essay displays a coherent overall arrangement with a clear introduction, two distinct body paragraphs, and a conclusion. Paragraphing is used appropriately to separate ideas. Cohesive devices are employed, such as 'One of the main reason', 'Another important reason', and 'In conclusion', which help guide the reader through the text. However, there are some mechanical transitions and referencing issues, such as the missing preposition in 'One of the main reason' and minor punctuation or run-on errors like 'goals.so this year'. Furthermore, paragraph transitions could be smoother. Overall, the organization is logical, fitting the Band 6 descriptor well, though it demonstrates clear attempts at structured progression.

Lexical Resource: Band 5.5

The student uses an adequate range of vocabulary suitable for the task, with attempts at less common items such as 'financial independent', 'circumstances', and 'investing'. However, there are notable word-choice and collocation errors throughout the response, including 'getting high day by day' instead of 'rising day by day', 'financial independent' instead of 'financially independent', 'my that income', and 'getitng closer'. Spelling slips also occur, such as 'definetly' and 'achive'. While these errors do not impede communication, they restrict the lexical score to Band 6, as the vocabulary control lacks the precision and flexibility required for higher bands.

Grammatical Range and Accuracy: Band 5.5

The response features a mix of simple and complex sentence forms, demonstrating attempts at relative clauses and conditional structures. However, there are frequent grammatical errors in tense consistency, prepositions, and word forms. Examples include 'In personally believe', 'One of the main reason that', 'before few years back', and missing articles or punctuation errors like lowercase letters after periods ('goals.so', 'circumstances.So'). Although these errors occur regularly, the majority of sentences communicate their intended meaning without completely impeding the reader's understanding. This performance reflects the core characteristics of Band 6, where a mix of structures is used alongside persistent errors in grammar and punctuation.

See this exact question answered at other band scores. The same prompt compared across bands.

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