Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-10-18

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 this modern age it is the debatable concern that it is compulsory for every individuals including young citizens, older people and childrens etc save money for their future owing to this it is integral for future. According to my perspective, it's very beneficial for everyone due to the fact that if they save money sebsequently this money will fulfill their needs in future.However there are both pros and cons to deciding to do this.

To commence with, there are various benefits of saving the money. Initially, in this day and age the prices of everything is rising and individuals live in clutter environment. If young people saves money especially students although this money will fulfill their needs in future. For instance, majority of the students of our country moves abroad after completing the Intermediate and BS owing to this at that time a substantial amount of money is needed. if students save money in their childhood nevertheless these money will help the students at that time. Additionaly, in this current age it is crucial for parents also to save money owing to this this money will help their child in his study. Such as if guardians save handsome money consequently at suitable time they will be utilized those money on their child and hence their child move abroad or any native university to complete his further education.Last but not least, workers should also save money due to the fact that if they save money in future they will build their own house and fulfill all their needs.

Turning to the other side of the arguments, there are numerous drawbacks. Initially, in our native country most of the individuals are middle class and their income is also very low. the owner of the family saves money but not fulfill the basic needs of their child.Hence it is not beneficial for these type of persons owing to this initial they fill the needs of their family then saves money. Moreover Various parents saves money for their child future but when child beome young they waste all the savings of their parents and disrespect their parents.

To sum up my discussion i contemplate that savings play a vital role in the develpment of mankind and life without savings is like as library without books.So citizens save money and in future they will be utilized this money in useful purposes and development of mankind.

AI examiner evaluation

Task Achievement / Task Response: Band 6.0

Your position is generally clear: you support saving, especially for education and future needs, while recognising that low-income families may need to prioritise essentials. The examples about students moving abroad and parents funding education are relevant to the question. However, the response does not fully explain the extent of your agreement, and the discussion of drawbacks is less developed than the benefits. The point that young adults may waste their parents’ savings is introduced but not explained or connected clearly to whether everyone should save. To strengthen the response, state your degree of agreement directly in the introduction and develop each main reason with a clear explanation of how it supports that position.

Coherence and Cohesion: Band 6.0

The response has a recognisable overall structure, with an introduction, a benefits paragraph, a paragraph presenting drawbacks, and a conclusion. This helps the reader follow the broad direction of your argument. You also use linking expressions such as “To commence with,” “Moreover,” and “To sum up.” However, cohesion is sometimes mechanical, and several links do not express the relationship between ideas clearly. For example, “although” and “nevertheless” are used where the sentence needs a straightforward cause-and-effect connection. Repeated references to “this money” and “owing to this” also make some sentences difficult to follow. Use fewer formulaic transitions, make each paragraph’s central point explicit, and check that pronouns clearly refer to the intended person or thing.

Lexical Resource: Band 5.0

You attempt a range of topic-related vocabulary, including “substantial amount,” “basic needs,” “income,” and “development of mankind.” These choices show an effort to discuss saving, education, and family finances beyond very basic terms. However, the range is limited by repeated wording such as “save money,” “future,” and “fulfill,” while several word choices and collocations are inaccurate or unclear, including “clutter environment,” “handsome money,” and “native university.” Spelling errors such as “sebsequently,” “Additionaly,” and “develpment” also reduce precision. Build a more accurate set of phrases for financial planning and education, and check spelling and collocations so your meaning is consistently easy to understand.

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and complex sentences, including conditional structures such as “if they save money … this money will fulfill their needs” and clauses introduced by “although” and “because.” This gives the response some variety, but control is inconsistent, particularly in longer sentences. Errors in agreement and verb forms appear in examples such as “every individuals,” “young people saves,” and “the owner … saves money but not fulfill.” Articles, plurals, and sentence boundaries also need attention; for instance, “the prices of everything is rising” and the run-on opening sentence make the relationships between clauses unclear. Aim to build complex sentences around one clear main clause, then check subject–verb agreement, verb forms, and punctuation.

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