Band 5.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.0 · Cambridge IELTS 19 · 2026-10-08

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)

For my personal view, is pretty worth for young people to save money fot their future times. But sometimes not quiet right. It depends on what types of cost. Also the habitat of money cost

During the faster developing speed all over the world, the way we living also were influenced by many changes. Including the way we spend, and the way we keep. More and more teenagers chasing the way of living in: consumerlism. Which means pay for fashion and waste money for things actually useless in life. And this phenomenon also happening in adult and old people. By the way of living, people will lose their chance to face emergency problems. If someday they had to hospital, they can't even pay for medicine fees. Overall, if we want to against problems happen in netx times, the key is not waste money.

Otherwise, many people recognize that money should invest for future path, such as: education, health, knowledge and so on. Some might also think money will be unvalueabe in future.For my country, many undergradute choose to pay examinations for their future career, also some buy many supplyments to keep healthy. That might be a large cost for campus students. This it might cause a problem, when they were trouble sometimes, this situation will not letf any chance to choose. Wealthy families can undertake for their childres, but those who were poor? Chasing wrong is not right things.

At the end, even to those life investor, financial management should be much care during whole life.

AI examiner evaluation

Task Achievement / Task Response: Band 5.5

You take a broadly relevant position: saving is worthwhile, but it depends on the purpose and circumstances. The discussion of consumer spending and being unable to meet medical costs supports the value of saving, while education and health expenses introduce a useful qualification. However, the position is not consistently clear: “But sometimes not quiet right” and the final reference to “life investor” do not explain precisely how far you agree. Several points are introduced but not developed, such as the claim that money may lose value and the contrast between wealthy and poor families. To strengthen the response, state your degree of agreement directly and explain each example’s connection to whether young people should save.

Coherence and Cohesion: Band 5.0

The response has a basic overall shape, moving from the benefits of saving to reasons money may need to be spent, and then to a concluding comment. Paragraphing helps distinguish these points. However, progression within paragraphs is often difficult to follow, and some links between ideas are unclear. For example, the discussion moves from examinations and health supplies to students having no choices in difficult situations without explaining the connection. Linking phrases such as “Otherwise,” “By the way of living,” and “At the end” do not always express the intended relationship accurately. Organise each paragraph around one clear main point, then use a specific example and an explanation before moving to the next idea.

Lexical Resource: Band 5.0

You attempt vocabulary relevant to the topic, including “consumerism,” “emergency problems,” “financial management,” and “future career.” There is some effort to express abstract ideas about spending, investment, and financial security. However, the range is limited and several word choices or collocations make the meaning difficult to understand, such as “the habitat of money cost,” “pay examinations,” and “life investor.” Spelling and word-form errors, including “unvalueabe,” “undergradute,” and “supplyments,” also reduce clarity. Aim to use familiar, accurate phrases rather than forcing unusual expressions, and check spelling carefully. Learning collocations such as “save for emergencies” and “invest in education” would make your ideas more precise.

Grammatical Range and Accuracy: Band 4.5

You attempt both short statements and longer sentences, including a conditional example beginning “If someday they had to hospital.” However, sentence structures are often incomplete or faulty, and errors frequently make relationships between ideas hard to follow. “For my personal view, is pretty worth” lacks a clear grammatical subject and verb structure; “During the faster developing speed…” is also not a complete sentence. Verb forms and agreement are inconsistent, as in “the way we living also were influenced,” while “If someday they had to hospital” is missing necessary grammatical elements. Work first on complete subject–verb sentences, consistent tense, and accurate clause formation. Then practise combining ideas with simple, correctly formed subordinate clauses.

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