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)

In contemporary era, having a secure future by saving enough money is very important for the future. While some argue that immediate spending enhances the quality of life, I completely agree with this statement that saving money is very important for everyone. This secures individuals against unforeseen emergencies and financial discipline from an early age.

There are several benefits of saving money for having better future. One of the major reason is, if people are saving money can protect them in any kind medical emergency because nowadays the expenses of medical treatment is too to afford in such situations. second benefit is that if individuals have saved the funds they can buy house in every young age because the price of housing is increases very rapidly due to the increasing of tax and increasing cost of living. For instance, young people how are saving money a little portion from their saving can secure a down payment on a home before their thirties.

To continue with benefits of saving money are, if people saving money prevents borrowing money from their family members and their close ones. By which they will not have the stress of debt on them which can negatively affect the mental health of the people. Moreover, saving builds early discipline by building strong money management habits in early age. They can also teach the children and their friends about the value of saving money for their future. For example, if people will teaches moral values to younger children so they will get motivated and inspire from them and starts saving money by which they can pay their higher education institution fees.

In conclusion, saving money is plays very vital role in having successful future. saved funds can protect them from and emergency cricis. In addition, saved money prevents borrowing money from their family members due to which they will not stress of any kind of debt.

AI examiner evaluation

Task Achievement / Task Response: Band 6.0

The student addresses all parts of the task and presents a clear position throughout the essay agreeing that saving money is important. The ideas are relevant and supported with explanations, such as preparing for medical emergencies and purchasing a home at a younger age. However, some ideas are repetitive or under-developed, particularly in the third body paragraph where the points regarding debt and early financial discipline overlap. Furthermore, there are minor issues with task focus as some examples are slightly generalised. Overall, the response meets the criteria for Band 6.0 as it addresses all parts of the task with relevant ideas, though some areas require deeper extension and clearer support.

Coherence and Cohesion: Band 6.0

The essay presents a coherent overall arrangement with clear paragraphing, dividing the introduction, body points, and conclusion adequately. However, cohesion is often faulty or mechanical, as seen in awkward transitional phrases like 'To continue with benefits of saving money are' and 'In contemporary era'. Referencing and logical progression within paragraphs occasionally break down due to repetitive structures and grammatical inaccuracies. For instance, the transition between ideas in the second paragraph feels abrupt. While the essay is readable and follows a logical structure, the repetitive use of connective phrases and flawed cohesive devices places this response securely at Band 5.5 to 6.0. Band 6.0 is awarded as the overall organization functions well enough despite the mechanical links.

Lexical Resource: Band 6.0

The student demonstrates an adequate range of vocabulary for the task, successfully attempting less common items such as 'unforeseen emergencies', 'down payment', and 'money management habits'. However, there are noticeable inaccuracies in word choice and collocation, such as 'every young age' instead of 'a young age', 'expenses of medical treatment is too to afford', and 'how are saving money' instead of 'who are saving money'. Spelling and word-form errors, such as 'cricis' for crisis and 'teaches' for teach, occasionally occur. Because the vocabulary range is sufficient to convey the central message despite these errors, the lexical resource aligns with Band 5.5, rounded to Band 6.0 based on positive marking principles for communicative success.

Grammatical Range and Accuracy: Band 5.0

The writer attempts a mix of simple and complex sentence forms, including conditional structures and relative clauses. However, grammatical accuracy is weak, with frequent errors present throughout the text. Examples include subject-verb agreement issues ('the price of housing is increases'), article omissions ('in medical emergency', 'plays very vital role'), and awkward phrasing like 'saving money prevents borrowing money from their family members and their close ones. By which they will not have the stress...'. These errors can cause occasional difficulty for the reader, although they rarely completely impede communication. Because complex structures are often faulty and errors are frequent, the appropriate descriptor matches Band 5.0.

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

Browse more IELTS Writing model answers or get your own writing scored by the same AI examiner.