Band 7.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 7.5 · Cambridge IELTS 19 · 2026-09-29

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)

Many people believe that saving money is essential for everyone, including young individuals, as it helps ensure financial security in the future. I strongly agree with this statement because saving develops good financial habits and provides protection against unexpected difficulties.

One important reason why young people should save money is that it helps them develop responsible financial behavior. By setting aside a portion of their income regularly, they learn valuable skills such as budgeting, planning, and self-discipline. These habits can prevent excessive spending and debt later in life. For example, a university student who saves part of a part-time salary may become more conscious of personal expenses and better prepared to manage finances after graduation.

Another significant benefit of saving is that it provides financial security during emergencies. Life is often unpredictable, and unexpected events such as medical expenses, job loss, or urgent repairs can occur at any time. Individuals who have savings are better equipped to deal with such situations without relying heavily on loans or credit cards. Furthermore, money saved at a young age can contribute to long-term goals, including higher education, purchasing a home, or starting a business.

Some people argue that young people should spend their earnings on experiences and personal development rather than saving. While there is some truth in this view, saving and spending are not mutually exclusive. Young individuals can enjoy their lives while still putting aside a reasonable amount of money for the future. Maintaining a balance between present enjoyment and future security is often the most practical approach.

In conclusion, I strongly agree that everyone, especially young people, should save money for the future. Saving not only encourages responsible financial habits but also provides protection against unforeseen circumstances and helps individuals achieve important long-term goals.

AI examiner evaluation

Task Achievement / Task Response: Band 7.5

The response fully addresses all parts of the task by clearly stating a position in the introduction and maintaining it throughout the essay. The writer explores why saving money is crucial for young people, discussing both the development of financial habits and the provision of security during emergencies. The ideas are well extended and supported with relevant examples, such as a university student managing a part-time salary, and the counter-argument regarding spending on experiences is thoughtfully addressed and integrated. There is a clear and logical progression of ideas from the personal benefits of budgeting to broader long-term goals and a balanced perspective. This corresponds to the Band 8 descriptors.

Coherence and Cohesion: Band 7.5

Ideas are logically sequenced, moving smoothly from the thesis to the behavioral benefits of saving, emergency preparation, a counter-argument, and finally a succinct conclusion. Paragraphing is used sufficiently and appropriately, with each paragraph focusing on a distinct central theme. Cohesive devices such as 'One important reason', 'Another significant benefit', and 'Furthermore' are managed well without being overly mechanical or intrusive. Referencing is clear throughout, contributing to a seamless reading experience. The overall organization meets the criteria for Band 8.

Lexical Resource: Band 7.0

The student demonstrates a sufficient and appropriate range of vocabulary for the task, successfully incorporating less common lexical items such as 'financial security', 'excessive spending', 'unforeseeable circumstances', and 'mutually exclusive'. Word choice is generally precise, and collocations like 'responsible financial behavior' and 'long-term goals' are used correctly. While there are no major lexical errors, the vocabulary occasionally leans toward standard rather than sophisticated or truly wide-ranging expressions, making Band 7 the most accurate fit.

Grammatical Range and Accuracy: Band 7.0

The essay displays a good mix of simple and complex sentence structures, including conditional or participial clauses like 'By setting aside a portion of their income regularly, they learn...' and 'Individuals who have savings are better equipped...'. The majority of sentences are error-free, and punctuation is handled competently. Grammatical control is strong throughout, and minor slips are absent, though the variety of complex structures is somewhat standard rather than fully wide-ranging, placing this performance comfortably at Band 7.

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