Band 5.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.0 · Cambridge IELTS 19 · 2026-10-24

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)

Nowadays, In future the people saved the money especially young poeople but it is most important thing for everyone. Many peole are interested in saving the money because many peole include in many financial problems and they don't manage the money and not savings.

On the one hand, Saving money is essential, because it helps peoples deal with unexpected expenses. Life is unpredictable, and people may face many emergencies such as medical bills, electricity bills and school fee and other many poroblems they faced and they don't manage the money and this is a very difficult situation and they dont saving the money. But I am agree because it is a most important step and play a vital role in our life. For example, a person who regularlysaves a small amount from their salary may be able to cover unexpected expenses without experiencies serious financial difficulties.

On the other other hand, the young people should develop the habit of saving money from an early age. This teacher them financial responsibility and helps them understand the importance of budgeting. Furthermore, savings can be used to acheive important goals, such as pursing higher education. However, I am disagree that saving money is a very difficult sitaution and saving money should not prevent the young people and especially in Pakistan the inflation rate is very high so many people working but the salary is very low and they dont manage the money.

In conclusion, it is a very important situation nd I think so we saving the money for the future and we need the money. So, we do saving money for the future and i interested in and very important ste

AI examiner evaluation

Task Achievement / Task Response: Band 5.0

You address the topic by supporting saving for emergencies and explaining that young people can build financial responsibility and fund education. The examples of medical bills and a student’s salary give the response some relevant support. However, your position is not consistently clear: you say “I am agree” with saving, then “I am disagree,” without explaining precisely which part of the statement you reject. The point about inflation and low salaries in Pakistan could form a useful qualification, but it is not developed into a clear argument about whether everyone should save or how much they can realistically save. To strengthen the response, state your degree of agreement directly in the introduction and conclusion, then explain and support each main reason more fully.

Coherence and Cohesion: Band 5.0

The response has a recognisable structure, with an opening, two body paragraphs introduced by “On the one hand” and “On the other hand,” and a conclusion. This gives the reader some guidance. However, progression within paragraphs is often unclear because several ideas are joined together without a clear relationship. For example, the first body paragraph moves from emergencies to agreement and then to an example, while the second shifts from young people’s goals to disagreement and inflation. Repeated or inaccurate linking phrases, including “On the other other hand,” also make cohesion less effective. Organise each paragraph around one main point, explain it, and then give a relevant example. Use transitions only where they accurately show the relationship between ideas.

Lexical Resource: Band 5.0

You use some relevant topic vocabulary, including “unexpected expenses,” “financial responsibility,” “budgeting,” “higher education,” and “inflation rate.” These terms help communicate the subject of saving. However, the range is limited and several words or phrases are repeated, particularly “saving money,” “important,” and “manage the money.” Noticeable spelling and word-choice errors sometimes make the message harder to follow, such as “poeople,” “poroblems,” “acheive,” and “school fee.” Some expressions are also unnatural, including “do saving the money” and “a very important situation.” Build a more precise set of phrases for discussing savings and financial constraints, and check spelling and collocations carefully. This will make your ideas clearer without relying on repeated general wording.

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and longer sentences, including a conditional example: “A person who regularly saves a small amount from their salary may be able to cover unexpected expenses.” This shows an effort to express relationships between ideas. However, the range is limited, and errors occur frequently in basic sentence patterns, verb forms, agreement, and articles. Examples include “This teacher them financial responsibility,” “I am agree,” “many people include in many financial problems,” and “we saving the money.” Some sentences run together, making the intended meaning difficult to follow, as in the description of emergencies and bills. Practise accurate subject–verb patterns and complete sentence construction first, then use a few controlled complex forms, such as because-clauses and relative clauses. Check punctuation to separate distinct ideas.

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