Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-10-17

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 todays world, it is crucial for everyone, such as youth, to save money for their future. Although this notion is not convenient for eyerone, including people who live in remote places, I firmly believe that we must have to save money because this habbit will surely helps in many aspects in the future.

One major aspect about saving is that people who live in rular area have several difficulties. In other words, in remote places, there are limited access to finances and banks, while saving at home is even more risky. This is because it is a hassle for these people. For example, people who lives in Karnali of Nepal do saving once in a million. The reason is simple they do not have place for savings. Consequently, if they want to save money they have to travel very far, so it would be more inconvenient form them.

On the other hand, saving is a good habbit, which can saves a lot of trouble in the future. If younger generation or even children start to do saving, then it will teaches people to manage money. For instance, nowadays, many bank are promoting saving plans especially for children and girls to insure the habbit of saving. In this way thousands of people are being aware of saving habbit and they are become more concern about the future.

In conclusion, although many people do jot have place for savings and they fell a hassle, by this habbit numerous people can secure good money management skills and can be more concern about the future.

AI examiner evaluation

Task Achievement / Task Response: Band 5.5

Your position is clear: you agree that saving is important, and you give reasons related to financial access in remote areas and the benefits of teaching young people to manage money. The examples about Karnali and banks offering children’s saving plans help connect your points to real situations. However, the first body paragraph mainly explains why saving is difficult for some people, rather than fully showing how this affects your agreement with the statement. The second paragraph’s benefits are relevant but remain general; explain more specifically how savings help people meet future needs or handle emergencies. Develop both reasons more fully and link each one directly to your position.

Coherence and Cohesion: Band 5.5

The response has a recognisable structure, with an introduction, two body paragraphs presenting contrasting considerations, and a conclusion. Phrases such as “In other words,” “For example,” and “On the other hand” show an effort to guide the reader. However, progression within paragraphs is sometimes unclear: the discussion moves from limited banking access to saving at home without explaining the connection, and “The reason is simple” does not clearly introduce the next point. The conclusion repeats ideas from the essay rather than drawing them together. Use clearer links between claims and examples, and make each paragraph develop one central point in a more orderly sequence.

Lexical Resource: Band 5.0

You use some relevant topic vocabulary, including “remote places,” “manage money,” “saving plans,” and “secure good money management skills.” This gives the response enough language to communicate its main ideas. However, the range is limited and several noticeable spelling, word-form, and collocation errors make parts less clear, such as “rular area,” “do saving,” “saving habbit,” and “more concern about the future.” Repetition of “saving” and “future” also reduces flexibility. Build a wider set of accurate expressions for financial planning and access, and check spelling and natural word combinations. More precise phrasing would make your examples and reasoning easier to follow.

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and complex sentences, including a concession in the opening and conditional structures such as “If younger generation… start to do saving, then it will teaches people…”. These attempts show some range, but errors are frequent and sometimes make the reader pause. Examples include “we must have to save,” “people who lives,” “there are limited access,” and “many bank are promoting,” where verb forms, agreement, or sentence structure are not controlled. Articles and plurals also need attention, as in “younger generation” and “do not have place.” Practise checking subject–verb agreement and keeping verb forms consistent, especially in longer sentences.

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