Band 6.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.0 · Cambridge IELTS 19 · 2026-10-04

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)

Opinions reamin sharply divided over the concept of financial savings, with propnents highlighting the necessity of saving money for the future, while others argue that spending a fraction of money in present scenario helps to live a better life.

While, saving money undoubtedly offers financial security for crisis situation and other important upcoming events, spending a fraction of money for the improvement of the present life serves as the primary catalyst for short-term enjoyment and reduction of boredom.

Financial savings allow individuals to plan future seamlessly, thereby, mitigating crisis situations with savings. Additionally, mental security can be achieved thinking of the finacial stocks are secured, beacuse thinking of no money left often leads to anxiety and overthinking. Saved money can be invested making the compounded money turns savings into an active income source.

On the other hand, saving money more than needed often results in dissatisfaction at the present. Salaries and wages are earned to lead a better life with comfort and to earn basic amenities - clothes, medicines, healthy foods, good education etc. This basic needs should definitely be satisfied for the improvement of the quality of life. Young people often prioritize immediate comfort and glamour to make life easier avoiding planning for the future. According to the youngsters, youth is the perfect age to enjoy, explore places and spending money. There is a proverb saying "If not now, then when" which highlights prioritizing the present than the future.

In conclusion, while financial savings offer security, growth, but spending is also crucial to satisfy immediate needs.Therefore, I feel, a good financial planning is crucial to keep a fraction of money preserved for the future and a small fraction should be kept to spend for basic amenities and other personal purposes.

AI examiner evaluation

Task Achievement / Task Response: Band 6.0

The response addresses all parts of the task by discussing both the importance of saving money and the arguments for spending in the present. A clear position is maintained throughout the essay and reiterated in the conclusion. However, some ideas are under-developed rather than fully extended. For instance, the point about investments turning savings into an active income source is introduced briefly without sufficient supporting detail or explanation. Similarly, the discussion surrounding young people prioritizing immediate comfort could be enhanced with more specific examples. Despite these gaps in full development, the main arguments are relevant to the prompt, placing this performance firmly at the targeted level where the task is adequately addressed.

Coherence and Cohesion: Band 6.0

The essay presents a coherent overall arrangement with a clear central topic for each paragraph. Paragraphing is used logically to separate introduction, body arguments regarding saving, arguments regarding spending, and the conclusion. Cohesive devices such as 'While', 'Additionally', 'On the other hand', and 'In conclusion' are employed to guide the reader through the text. However, referencing and cohesion are occasionally mechanical or slightly faulty, such as the abrupt transition in the final sentence and minor issues with pronoun or transitional flow. Progression is generally evident, but the cohesive links could be managed more flexibly and smoothly to achieve a higher standard of logical flow.

Lexical Resource: Band 6.0

An adequate range of vocabulary is deployed for the task, successfully conveying the writer's arguments about finance and lifestyle. There are attempts to use less common items and academic phrasing, such as 'financial security', 'mitigating crisis situations', and 'compounded money'. However, the vocabulary is marred by occasional word choice, word form, and spelling inaccuracies that do not impede communication. Examples include spelling slips like 'reamin' and 'propnents', and awkward collocations such as 'spending a fraction of money in present scenario' instead of 'spending a portion of money on the present'. These minor flaws reflect a sufficient resource with occasional errors typical of this level.

Grammatical Range and Accuracy: Band 5.5

The essay displays a mix of simple and complex sentence forms, demonstrating an attempt to vary grammatical structures. Complex clauses are used, such as concessive clauses starting with 'While'. However, there are some noticeable errors in grammar and punctuation throughout the text. These include subject-verb agreement issues like 'This basic needs should definitely be satisfied' instead of 'These basic needs', as well as prepositional and article inconsistencies such as 'thinking of the finacial stocks are secured' and 'for crisis situation'. While these errors persist, they rarely impede communication, allowing the reader to follow the train of thought easily despite the flawed execution of more complex syntactic structures.

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