Band 5.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.0 · Cambridge IELTS 19 · 2026-10-20

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)

Money is the most important factor of everyone life as from the day the universe has been created. The modes of money are different in different time. For example, in the past moslty people rely on the exchange methods and today with the advancement of technology it will be replaced by hard and soft cash known as money. Here we will discuss the significance of saving money for everyone as I totally in the favour that saving money is necessary.

There is a myth that no one can buy happiness from money but this myth is incorrectly used in our society. Saving money for your future is benifical for different purpose which will may be your retirement or in any case you meet with a road accident you can use your savings. In our society, we all are moving very rapidly for success and for that purpose we have been implimented so many extra expenses in our lives that is not necessary for us. We should have to cut of these expenses to safe money specifically those who are teenagers they focus more on their educational purposes through their saving and those who currently in the nearest age of their retirement.

The second group is of those people who think that saving money is not necessary as we have to make accounts. Beside that a group of people think that we should have to spent the earning to improve our lifestyle like wearing good cloths, having outdoor funs and activities and memberships of expensive clubs. Furthermore, if you have budget so you may travel to abroal to explore the world.

There are different opinions on saving money for everyone specifically for the youngsters because in their teen age they will learn the physciology of saving money. But more precisely, mostly of the people belief in saving money.

AI examiner evaluation

Task Achievement / Task Response: Band 5.0

You state a clear overall view in the introduction: “I totally in the favour” of saving, and you give relevant reasons such as preparing for retirement and having funds after an accident. However, the response only partially develops the task. The discussion of teenagers’ education is brief, and the paragraph about people who prefer spending on clothes, travel, and clubs does not clearly explain whether you accept this as a valid alternative or why saving should take priority. The conclusion also shifts to a general observation that most people believe in saving rather than summarising your own argument. Develop two or three reasons with specific explanations or examples, and maintain your position consistently throughout.

Coherence and Cohesion: Band 4.5

The response has an introduction, body paragraphs, and a concluding paragraph, and the ideas are broadly grouped by topic. However, progression is difficult to follow because links between points are sometimes unclear. For example, “The second group” appears without a clearly established first group, while the paragraph listing lifestyle spending and travel does not connect explicitly to your argument. Connectors such as “Furthermore” and “But more precisely” are used, but they do not always show the precise relationship between ideas. Some sentences also combine several points without clear sequencing. Give each paragraph one main purpose, use topic sentences to signal it, and make references such as “this group” or “these expenses” clearly identify the ideas they refer to.

Lexical Resource: Band 5.0

You use some topic-relevant vocabulary, including “retirement,” “savings,” “expenses,” and “lifestyle,” which helps communicate the subject. There are also attempts at less common expressions, but word choice, collocation, and spelling errors are noticeable and sometimes make the meaning harder to understand. Examples include “the nearest age of their retirement,” “safe money,” “physciology of saving,” and “outdoor funs.” Several phrases are also repetitive, particularly references to “saving money” and “people.” Aim for accurate, natural combinations such as “approaching retirement,” “set money aside,” and “develop good saving habits.” Proofreading spelling and choosing precise words will make your ideas clearer and more convincing.

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and longer sentences, including clauses introduced by “as,” “that,” and “because.” However, the range is limited, and complex sentences are often faulty; errors occur frequently enough to make some ideas difficult to follow. For instance, “Money is the most important factor of everyone life” has problems with possession and sentence structure, while “which will may be your retirement” combines incompatible verb forms. In “those who currently in the nearest age,” the clause is missing a verb, and “we should have to cut of these expenses” has an incorrect verb pattern. Practise accurate subject–verb structures, articles, possessives, and modal constructions, then check each sentence for a complete and logically formed clause.

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