Band 5.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.0 · 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 5.0)

Nowadays people who saved their money in past the are kings of their future and present. Saving money is very good habbit for everyone which helps to solve their financial problems which will be occur in their future. I agree with that statement because there are many advantages of saving money.

By saving money you become a good person which know that what is the value of money. So by this you do not spend your money to buy wasteful things. Furthermore you buy that things which are cheap and good quality it means that you just buy that things which are useful.

For young pepole it is important to save money for future because nowadays financial condition of our country is becoming very worse which might be dangerous in future. By saving money you can also afford you quality education in your future. Moreover when you afford your education you realize that how your parents afford your education in your past.

But saving money is not very important because some people who are poor not afford money for run the home so how they save money. For example a person whose salary is 30 thousand per month and which are using in house expenses so how he save money.

In my opinion saving money is very important because saving money built and bright your future. By saving money a person complete their all wishes and become independent at early age.

To conclude that saving money is very important and also this is a good habbit. It helps us to solve our problem and complete our wishes. As a student we afford our good quality education. But all the people does not afford saving money sceme because of less salary or less income. In my opinion saving money is important because it bright your future

AI examiner evaluation

Task Achievement / Task Response: Band 5.5

The response addresses the task partially, presenting a clear position that saving money is important while also acknowledging counter-arguments regarding low-income earners. However, the ideas remain limited and under-developed. For instance, the point about young people facing a worse financial condition is introduced but not sufficiently supported with deeper analysis or concrete examples. Furthermore, the argument regarding affordability for low-income individuals is somewhat repetitive and simplistic. To move to a higher level, the writer needs to extend and support all main ideas with more substantial explanations and relevant real-world examples rather than relying on brief generalizations.

Coherence and Cohesion: Band 5.0

The text displays some basic organization with a discernible introduction, body paragraphs, and conclusion, but there is no clear overall progression of thought. While basic cohesive devices such as 'Furthermore', 'Moreover', and 'To conclude that' are employed, they are often used mechanically or inaccurately, as seen in awkward transitions like 'So by this you do not spend'. Paragraphing is attempted, but the grouping of ideas lacks smooth logical links between sentences. Referencing is also occasionally unclear, such as pronoun use referring back to previous clauses. To achieve a higher score, the writer must ensure a more logical progression throughout and use a wider, more accurate range of cohesive devices without over-relying on basic connectors.

Lexical Resource: Band 5.0

The vocabulary used is limited and minimally adequate for the task. The writer relies on basic, repetitive words and phrases such as 'save money', 'good habbit', and 'bright your future'. There are frequent errors in word choice, collocation, and word form, including spelling mistakes like 'habbit' and grammatical word-form errors such as 'you quality education' instead of 'your quality education', as well as awkward phrasing like 'run the home'. While communication is generally maintained despite these flaws, the lack of a flexible lexical range restricts the response. To improve, the writer should incorporate a wider variety of less common vocabulary and pay closer attention to natural collocations and correct word forms.

Grammatical Range and Accuracy: Band 5.0

The grammatical range is limited, relying mostly on simple sentences alongside attempts at complex structures that are frequently faulty. There are persistent errors in verb forms, tenses, subject-verb agreement, and articles throughout the text. Examples include 'people who saved their money in past the are kings', 'which will be occur', 'a person who... which are using', and 'all the people does not afford'. These frequent grammatical errors cause some difficulty for the reader and impede the clarity of the message. To reach a higher standard, the writer must demonstrate better control over complex sentence patterns, ensure accurate subject-verb agreement, and eliminate basic errors in tense and article usage.

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