Band 6.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.0 · Cambridge IELTS 19 · 2026-10-07

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)

IT IS OFTEN ARGUE THAT SAVE MONEY FOR THEIR FUTURE IS VERY IMPORTANT, INCLUDING YOUNGER GENERATION. I AM TOTALLY AGREE WITH ABOVE AGREEMENT BECAUSE SAVINGS HELPS TO MAKE STABLE FINANCIAL LIFE FOR INDIVIDUALS AND SAVING MONEY AND WELTH IMPROVE QUALITY OF LIFE AS WELL AS GENERATE VARIOUS SOURCE OF INCOME. THIS ESSAY WILL DEMONSTRATE ABOVE STATEMENT, ALONG WITH EXAMPLE.

ONE OF THE MAIN REASONS WHY I AM AGREE IS THAT SAVING IS MOST IMPORTANT FOR PEOPLE WHO BELONGS TO MIDDLE-INCOME OR LOWER-MIDDLE INCOME FAMILIES. THIS IS BECAUSE BEING ECOMONICAL HELPS TO SAVE SUFFIENCIENT MONEY TO THIER FUTURE. TO BE MORE SPECIFIC, SAVING IS VITAL FOR FUTURE, BECAUSE IF ANY INDIVIDUALS HAVE ENOUGH SAVING THEN THEY CAN TACKLE ANY FUTURE FINANCIAL AND ECOMONICAL CRISIST. AS PER ONE AUTHOR'S POINT OF VIEW, SAVING MONEY HELPS LIKE BIG BROTHER DURING CRUCIAL TIME. MOREOVER, INDIVIDUALS SAVING AND INVESTMENT SUCH AS HEATH POLICES, INSURANCE, FIX DEPOSITS ENHANCE STABILITES OF THE PEOPLE. TO EXMEPLIFY, NATURAL CYCLE OF PRICE INCRESING AND INFLATION OF MONEY AND GOODS PRICE INCRESING SIGNIFICANTLY THROUGHOUT THE TIMEFRAME, SO COSIDERABLE SAVING MAY HELPS IN FUTURE, SUCH AS CHILDREN EDUCATION COST, MEDICAL INSURANCE, PROFITABLE RETURN.

ANOTHER ONE REASON TO SUPPORT MY AGREEMENT IS THAT WHILE PEOPLE SHOULD SPEND ENOUGH MONEY FOR THEIR HOBBIES AND INTERESTING ACTIVITIES, WHO MAKE PEOPLE HAPPY, PRODUCTIVE AND REDUCE DAILY-LIFE STRESS. HOWEVER, SAVING MONEY CAN BUILD SECURE AND RELIABLE FUTURE FOR THEMSELVES AS WELL AS FOR THEIR FAMILY. ON OTHER WORDS, PEOPLE SHOULD INVEST CONSIDERABLE AMOUNT OF BUDGET ACCORDING TO FUTURE PROBLEMS SUCH AS MEIDCAL, FINANCIAL UNSTABLITY AS WELL AS EDUCATION. ADDITIONALLY, MANY FINANCIAL INSTITUES LIKE BANK, STOCK MAREKT, POLICY MARKET AND MONEY MARKET OFFERS BENEFICIAL OFFERS FOR PEOPLE. FOR INSTANCE, FIX DEPOSITS IN BANK AND SIP SCEAME IN STOCK MARKET HELP TO ENHANCE FINANCIAL STABILITY AND RETURN OF INVESTMENT ALSO REDUCE CHANCES OF MONEY LOSS.

IN CONCLUSION, IN THIS COMPETITIVE ERA, BETTER QUALITIY OF LIFE IS AS CRUCIAL AS SAVING MONEY ESPECIALLY YOUNG PEOPLE, BECAUSE THEY ARE LESS AWARE ABOUT FUTURE ISSUES AND PROBLEM REGARDING MONEY IN THIER LIFE. HENCE, EDUCATIONAL INSTITUES AND PARENTS INVOLVMENT IS VERY IMPORTANT IN YOUNGER INDIVIDUALS LIFE.

AI examiner evaluation

Task Achievement / Task Response: Band 6.5

Your position is clear from the introduction: you strongly agree that saving is important, and the conclusion returns to the need for young people to prepare for future financial problems. You give relevant reasons, including coping with crises, meeting education and medical costs, and using investments to support financial stability. These points address the task, and examples such as fixed deposits and insurance help make the discussion concrete. However, some ideas are more fully explained than others: the claim that savings improve quality of life and generate income is asserted rather than clearly demonstrated, and the reference to an author’s view is vague. To strengthen the response, explain how each example supports your position and develop the role of young people more consistently throughout.

Coherence and Cohesion: Band 6.5

The response has a recognisable structure, with an introduction, two body paragraphs and a conclusion. Its progression from protection against financial difficulties to balancing spending with saving is generally logical. Linking expressions such as “Moreover,” “To be more specific,” and “In conclusion” help signal relationships between points. At times, however, these devices feel mechanical or do not accurately express the connection: “On other words” introduces a restatement, while “However” does not clearly contrast with the preceding idea about spending on hobbies. Some sentences also contain several examples without a clear hierarchy, making the line of reasoning harder to follow. Use fewer, more precise transitions, and organise each paragraph around one main claim followed by explanation and a directly relevant example.

Lexical Resource: Band 5.0

You attempt topic-specific vocabulary, including “financial stability,” “inflation,” “investment,” and “medical insurance,” and this gives the essay a relevant range of terms. However, inaccurate spelling, word forms and collocations are frequent enough to make some phrases difficult to interpret, as in “suffiencient,” “crisis[t],” “natural cycle of price increasing,” and “profitable return.” Several expressions are also unnatural, such as “saving helps like big brother” and “policy market.” These issues limit precision even when the intended meaning can be inferred. Focus on learning common financial collocations and checking spelling and word forms. For example, use “act as a safety net” rather than “helps like big brother,” and “fixed-term deposits” rather than “fix deposits.”

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and more complex sentences, including conditional structures such as “if any individuals have enough saving then they can tackle…” and clauses beginning with “because” and “while.” This shows an effort to vary sentence forms. However, errors in sentence construction and agreement occur repeatedly and sometimes make the meaning difficult to follow. For example, “I am totally agree” has an incorrect verb pattern, and “individuals saving and investment … enhance” has an unclear subject and agreement. The opening sentence, “It is often argue that save money…,” also lacks correct passive and infinitive forms. Practise building accurate basic clauses first, then extend them with subordinate clauses. Check subject–verb agreement, articles, plurals and verb patterns when editing.

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.