Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-10-12

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 today's world, money is an important part in everyone's life. Few people believe that money is necessary to save for every individual especially for youngsters for their future expense. I agree with this statement and discuss viewpoints in the upcoming paragraphs.

To commence with, there are plethora benefits of saving money. Saving money provides people to more independent and maintain their future. However, saving money can help people during difficult situations, such as health problem or accidents by saving money, people can easily manage these situations. Moreover, saving money can help people afford better education and improve thier living condition. Furthermore, saving money also helps their future generation, they can also support their families in emergencies when they live far away from them.

On the other hand, saving money can reduce stress related to money when people face health problems in their life. It can also help young people become more independent in the future. Saving money also helps people buy their favourite cars and clothes, achieve their goals and live a more comfortable life. They also helps people go on their favourite trips and enjoy their lives with their families. Saving money also teaches young people to manage their money for their future and aviod spending large amounts.

In conclusion, it is important for people's lives. Saving money helps people manage emergencies, achieve their goals and live a better life. The key is to maintain a balance between saving and spending.

AI examiner evaluation

Task Achievement / Task Response: Band 5.5

Your position is clear: “I agree with this statement,” and the response gives relevant reasons, including managing emergencies, funding education, supporting family, and helping young people control spending. However, these points are mostly listed rather than explained with specific examples or developed reasoning, so the task is only partly addressed in depth. The second body paragraph also repeats the benefits of saving instead of adding a distinct perspective or examining a limitation, which leaves the argument somewhat narrow. The conclusion restates the main benefits and offers a useful point about balancing saving and spending, but this idea is not explored earlier. The response is also seven words below the required minimum. Develop fewer points more fully and support them with a concrete example.

Coherence and Cohesion: Band 5.0

The response has a recognisable structure, with an introduction, two body paragraphs and a conclusion, and the reader can follow the general topic. However, progression between ideas is limited: both body paragraphs repeat that saving helps with emergencies and independence, rather than building a clear sequence of distinct reasons. Some linking phrases are mechanical or do not show the relationship accurately. For example, “On the other hand” suggests a contrasting argument, but the paragraph continues to list advantages of saving. The opening “To commence with” is followed by several points joined mainly through “Moreover” and “Furthermore.” Organise each paragraph around one main claim, explain it, and use transitions that accurately signal addition, contrast or result.

Lexical Resource: Band 5.5

You use enough topic-related vocabulary to communicate the main ideas, including “emergencies,” “independent,” “manage their money” and “comfortable life.” There are also attempts at more formal phrasing, such as “In conclusion.” However, the range is limited and several expressions are repetitive or imprecise, particularly the repeated use of “saving money helps.” Some collocations are unnatural, such as “money is an important part in everyone’s life” and “maintain their future,” and spelling errors such as “thier” and “aviod” reduce accuracy. These issues do not prevent the reader from understanding the overall message, but they make parts less fluent. Build a wider set of precise phrases for financial security and future planning, and check spelling and collocations during revision.

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and more extended sentence forms, and most of the main ideas remain understandable. However, the range is limited, and attempts to combine clauses sometimes produce faulty or awkward structures. For example, “by saving money, people can easily manage these situations” is attached to the preceding sentence with a comma, creating a run-on structure. In “Saving money provides people to more independent,” the verb pattern and sentence construction are incomplete; a clearer form would be “Saving money helps people become more independent.” There are also agreement and article problems, as in “They also helps people,” and punctuation is inconsistent. Practise accurate clause joining, subject–verb agreement and complete sentence patterns before adding more complex structures.

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