Band 5.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.0 · Cambridge IELTS 19 · 2026-10-13

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)

It is often argue that all people, including young individuals need to to do some savings for their better future. In this essay I will tall about its advantages and disadvantages, also i believe that it is necessary to save money for future.

In the one hand, money saving is significant for everyone's future. with the help of these money your mind became physically peaceful, because if you save money so you don't need to think about future instabilities. because you spent this money on future loss, It protect you from falling into debts. For example, people save the money from their PF, so it give you piece of mind. In future, if you had clutches from dangerous diseases. so you no need to worried about it. As a result, saved money gives you future stability.

Similarly, It is also helpful for provide a better education system. however, if you save good amount of money, so you will taken any kind of private universities. For example, a student from middle class could save money from his scholarship. so he could get admission in any good and high ranked universities. hence is also give them a better educational system.

On the other hand, this statement also have some disadvantages. It change the attitude of the person, they became more confident because their fear fades away, they no need to think what will happened tomorrow. For example, If a person have no insecurities for their future so they start taking their stand, and start saying 'no' if they don't agree. Which change their attitude. As a result, individuals start thinking that other people have low standards.

In conclusion, Although, residents no need to worry about future expense, they think that now they have right to pass comments to other people. I strongly believe that everyone must need to save some for their future.

AI examiner evaluation

Task Achievement / Task Response: Band 5.5

You give a clear overall view in the introduction and conclusion: you believe everyone should save for the future. The points about financial security and education are relevant, and the examples involving savings for illness and university help illustrate them. However, the response only partly addresses the question because it promises to discuss advantages and disadvantages, while the supposed disadvantage—that savings make people more confident and judgmental—is not clearly explained or convincingly connected to saving. Several supporting ideas are also brief or unclear, such as the reference to “future loss.” Develop each main reason with a clearer explanation and a directly relevant example, and keep the discussion focused on how saving benefits or affects people.

Coherence and Cohesion: Band 5.0

The response has a recognisable structure, with an introduction, supporting paragraphs, a contrasting paragraph and a conclusion. Paragraphs generally group related points, and signposts such as “On the other hand” help indicate a change in direction. However, progression within paragraphs is often difficult to follow: the discussion moves from financial security to illness and then to debt without clear links, while the final body paragraph’s claim about confidence and “low standards” is not logically established. Connect each example explicitly to its main point, and use transitions to show cause and effect rather than relying on repeated “so” and “For example.” Clearer referencing would also help readers understand phrases such as “these money” and “this statement.”

Lexical Resource: Band 5.0

You use some topic-related vocabulary, including “future stability,” “debts,” “scholarship,” and “private universities,” so the main subject is usually identifiable. However, the range is limited and several word choices or collocations are inaccurate, sometimes making the meaning hard to interpret. Examples include “your mind became physically peaceful,” “had clutches from dangerous diseases,” and “better educational system.” Repetition of “save money,” “future,” and “better” also limits precision. Aim to learn natural word partnerships for financial security, education costs and health emergencies, and choose vocabulary that expresses your intended meaning directly. Check spelling and word forms as well, including “argue,” “piece of mind,” and “insecurities.”

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and more complex sentences, including conditional forms such as “if you save good amount of money” and clauses introduced by “because” and “although.” However, errors are frequent, and some sentences are difficult to understand. Verb forms and agreement are often inaccurate: “It is often argue,” “your mind became,” and “it give you” need correction. Articles and sentence construction also cause problems, as in “save good amount” and “you no need to worried.” Several sentences begin with lowercase “because” or “with,” and punctuation does not consistently separate complete ideas. Practise accurate basic sentence patterns first, then build longer sentences while checking subject–verb agreement, verb forms, articles and punctuation.

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