Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-10-10

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 5.5)

In our economy today it is cusrical for young people to save money for future purposes. I agree to a lager extent.

Firstly, i wounld say yes it is ensensical young people to save money because of unforseen circumstances like health emergences, an indivuidals car bracks down, this are emergences that comes up at any time, foor example a person falls sckil unexpectedly, and ruched to the hospital. The hospital asked the person to pay a depost which he had to take money from his saves to suct out the bills, if he had not saved he would not be able to pay. Therefore, developing the habit of saving at an early age helps promote finacial independence.

Secondly, saving helps people achieve important goals in life. many young adult hope to get married, establish their own business. These goal requides alot of money invested in it. by saving a bit of money from they regularly income they can achieve them.

however, young people should not save at the expances of they basic need. They also need food, accommodation and other essential needs.the most effective approach is to maintain the balance between saving and spending.

In conclution, i strongly agree that young people should save money for thei

AI examiner evaluation

Task Achievement / Task Response: Band 6.0

Your position is clear from the opening (“I agree to a lager extent”) and conclusion, and you give relevant reasons: savings can cover unexpected medical costs and help young adults pursue goals such as marriage or starting a business. The emergency example also explains why saving can support financial independence. However, the goals paragraph is less developed: it names ambitions but gives little detail about how saving would make them achievable. Your qualification that saving should not come at the expense of basic needs is relevant, but could be explained further. The response is 43 words below the required minimum, so there is limited space to develop and support your ideas. Add a fuller example and a complete conclusion.

Coherence and Cohesion: Band 6.5

The response has a clear overall structure: an introduction, two supporting points, a qualification, and a conclusion. “Firstly,” “Secondly,” “however,” and “In conclusion” help signal the direction of the argument, and the ideas generally progress logically. This already gives the essay a coherent arrangement. To make the progression more fully controlled, develop each body paragraph with a clearer sequence of claim, explanation, and example; the second paragraph currently moves quickly from goals to saving without enough explanation. Some linking is mechanical, and the conclusion is cut off, leaving the final point incomplete. Use referencing carefully and ensure each paragraph connects its example back to the central position.

Lexical Resource: Band 5.0

You use some relevant topic vocabulary, including “unforeseen circumstances,” “financial independence,” “essential needs,” and “maintain the balance.” These choices show an attempt to discuss saving and personal finance beyond very basic terms. However, spelling and word-choice errors are noticeable and sometimes make the reader pause, as in “cusrical,” “emergences,” “saves,” and “expances.” Some phrases are also imprecise or unnatural, such as “goals requides alot of money invested in it.” Aim for accurate spelling and natural collocations, for example, “unexpected medical expenses” and “save from their regular income.” A wider range of precise financial vocabulary, used accurately, would make the argument clearer and more fluent.

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and more extended sentence forms, including a conditional example (“if he had not saved he would not be able to pay”) and a sentence explaining the benefit of saving. However, control is uneven, and errors in sentence structure, agreement, articles, and punctuation sometimes make the meaning harder to follow. For example, “it is … young people to save money” is missing a grammatical link, while “These goal requides” has problems with number and verb agreement. The long emergency example also joins several ideas without clear sentence boundaries. Practise building accurate sentences with a clear subject and verb, and check agreement and punctuation. More reliable control of these patterns would make your complex sentences easier to understand.

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