Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-10-03

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)

In recent years, people believes that saving money is can be effective for both young and older generations for their life and future. However, some experts argue that is not crucial to save money without any purpose of doing something important. I would agree that each generation should be learn how to manage money by effectively and save it for their future. There are two main reasons behind of my statement, one of the main reason would be sudden expenses of health problem and other reason would be savings can be a real guarantee for entire lifetime.

To begin with, healts issues have a negative impact on people's life also affect financial situation. Thus, it is important to save a more money for sudden changes specifically health. For instance, some people found out that if they faced with financial pressure, they will more likely to be get into the worst situation when it comes down to health problems.

Secondly, savings can cause of our lifetime guarantee whether it urgent matters or whatnot. To extend the idea of guarantee, everybody need to buy a house or apartment when it comes to marriage or give birth to children. Fot that matters, they willing to get a mortgage but eventually they need a quite amount of money.

In conclusion, I believe that savings can be effective when people really understand the purpose of that and what it can be helpful for every situation. Lastly, all of the generations should save for more money to their future life and sudden matters.

AI examiner evaluation

Task Achievement / Task Response: Band 6.0

The response addresses all parts of the prompt by presenting a clear position agreeing that saving money is important for everyone, including young people. The main reasons for this stance, such as unexpected health problems and long-term financial security like buying a house, are introduced and explored. However, the development of these ideas is somewhat uneven. For instance, the discussion on health issues in the second body paragraph remains quite general and under-developed, relying on repetitive phrasing rather than fully extended arguments or specific examples from personal knowledge. To reach a higher level, the ideas need to be more thoroughly explained with deeper elaboration and clearer supporting examples that directly connect to the prompt's focus on future financial planning.

Coherence and Cohesion: Band 6.0

The essay presents a coherent overall arrangement with a clear introduction and conclusion, and the response is divided into logical paragraphs. Cohesive devices are employed to signal transitions between ideas, such as 'To begin with' and 'Secondly'. However, cohesion is at times mechanical or faulty, and referencing is not always completely clear. For example, the phrase 'Fot that matters' contains a typo and awkward referencing, while other transitional links feel somewhat rigid rather than flowing naturally. Paragraphing is used appropriately to separate distinct points, but to achieve a higher score, the logical progression between sentences within paragraphs needs to be smoother, ensuring that each new idea builds seamlessly upon the previous one without repetitive phrasing.

Lexical Resource: Band 5.5

The vocabulary used is adequate for the task, providing a sufficient range to communicate the main arguments about saving money. The writer attempts some less common vocabulary items, such as 'sudden expenses', 'financial pressure', and 'lifetime guarantee'. However, there are noticeable inaccuracies in word choice, collocation, and word forms throughout the text. Examples include 'people believes', 'healts issues', 'save a more money', and 'quite amount of money'. Additionally, spelling slips such as 'healts' and 'Fot' appear in the writing. While these lexical errors do not severely impede communication, they restrict the score, as precise word choice and accurate word formation are required for higher bands.

Grammatical Range and Accuracy: Band 5.0

The response exhibits a mix of simple and some complex sentence forms, demonstrating an attempt to vary sentence structures with clauses introduced by 'when', 'whether', and 'that'. However, there are frequent grammatical errors, particularly regarding verb forms, agreement, and prepositions within grammatical patterns. Examples of these issues include 'saving money is can be effective', 'each generation should be learn', 'behind of my statement', and 'if they faced with financial pressure, they will more likely to be get'. These errors in grammar and punctuation occur frequently and can occasionally cause some difficulty for the reader, indicating that grammatical control needs to be strengthened across both simple and complex structures.

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