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)

Nowadays, saving money for the future is become a widely discussed issue. Some people is believed that it is important for everyone, including young people, to save money for their future, while others disagree. In my opinion, I completely agree with this statment because people use this money in the emergency situations like medical or some other problems that are generated immediately.

The first reason why i agree is that saving money provides finacial security during emergency medical situation. This is because no body knows when they become ill or face some serious causes related to the health. For example, peolpe may suddenly lose their job and then they face medical expenses after that they an use their savings durind this critical time. Therefore, it is important to save money for their future, because we don't need to borrowing money from someone during this situation.

Another important reason is that young people who can save money in the young age, they can learn who to manage their finances. In other words, if they save money they can achive their dreams easily. They can buy a own house, start new business,support their families or continue their education. For instance, a university graduate who saves part of their monthly income may eventually have enough money to pay for further studies or start a small business.

In conclusion, I completely agree that it is important to save money for the future. This is because, it's help alot for achiving their goals, financial protection and develops responsible financial habits. For these reasons, I belive that this is the most appropriate view.

AI examiner evaluation

Task Achievement / Task Response: Band 6.5

Your position is clear from the introduction (“I completely agree”) and remains consistent in the conclusion. You address the importance of saving for both emergencies and longer-term goals, supporting these points with relevant examples such as medical costs, further study and starting a business. This covers the task well. However, the emergency example is not fully clear: losing a job and then facing medical expenses are presented together without explaining their connection. The point about learning to manage finances is also asserted more than developed. To strengthen the response, explain how each example demonstrates the value of saving and extend the less-developed ideas with specific consequences or reasoning.

Coherence and Cohesion: Band 6.5

The response has a clear overall structure: an introduction, two body paragraphs presenting separate reasons, and a conclusion. Sequencing phrases such as “The first reason,” “Another important reason,” and “In conclusion” make the progression easy to follow. At this level, the organisation is effective, though some linking is mechanical and a few connections between ideas are unclear. For example, the first body paragraph moves from illness to job loss and medical expenses without a smooth explanation of how these relate. The phrase “In other words” introduces a claim about achieving dreams that does not simply restate the point about financial management. Use more precise links and make sure each sentence develops the paragraph’s central idea.

Lexical Resource: Band 5.0

You use relevant vocabulary for the topic, including “financial security,” “medical expenses,” “savings,” and “monthly income,” and the reader can generally understand your meaning. However, the range is limited and several noticeable spelling, word-form and collocation errors reduce precision, such as “finacial,” “achive,” “a own house,” and “borrowing money from someone.” Some expressions are also vague or unnatural, including “some other problems that are generated immediately” and “the most appropriate view.” Build a more accurate set of phrases for discussing emergencies, financial planning and goals, and check spelling and collocations carefully. More precise wording would make your ideas clearer and more convincing.

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and complex sentences, using structures such as “This is because…” and “if they save money…,” and the overall meaning is usually recoverable. However, errors occur across verb forms, agreement, articles and sentence construction. For example, “saving money for the future is become” should use a correct verb form, while “Some people is believed” has an agreement and passive-structure problem. In “they can buy a own house,” the article is incorrect, and “we don't need to borrowing” uses the wrong verb pattern. These errors sometimes make the reader pause. Practise accurate basic sentence patterns first, then build complex sentences while checking subject–verb agreement, articles and verb forms.

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