Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · 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 5.5)

Money plays an important role in our lives because it is impossible that everything can get without money. It is also important for everyone, including young people, to save money for their future. I strongly agree with this statement that money is essential for us, we can buy our necessaries and basic items.

At first, save money is important for us because life is unpredictable. Sometimes, people face unexpected difficultie such as health emergencies, business lose and lose to job. In these situation, having some money can help to manage their problems. For example, a person who is suffer from the cancer, he spend saving on his illness and purchase his medicines.

Secondly, saving money can used for studying, built new house and future business. It can also used for study abroad so that student can built his future. It teaches about financial responsiblities and avoid spend money in the waste things. We can start our business through the saving. We can help the people through the borrow. For example, a person who has lose his job, but he can buy essential items and basic thing through his saving money without loan.

In my opinion, money is important for our lives. We should saving money for future unexpected difficitles. It also help students for their educations. For example, a student who want to study aboard. He can go for study aboard through his saving.

In the conclusion, i strongly agree with this statement that everyone, especially young people should save money for their future. It provide financial security, help in education, used in business and help in difficulties. It teaches us that we cannot buy everything and cannot live without money, we should earn for our essential and basic things.

AI examiner evaluation

Task Achievement / Task Response: Band 6.0

Your position is clear throughout: you strongly agree that people, especially young people, should save for the future. You address several relevant reasons, including unexpected illness or job loss, education, housing and starting a business, and the examples help connect these points to real situations. This covers the task, but some ideas are more fully addressed than others. The discussion of emergencies is illustrated, while the claims about saving for education and business are mostly listed rather than explained in detail. The point that saving teaches financial responsibility is also introduced but not developed. To strengthen the response, explain how each reason supports your position and develop one or two examples more fully. The stated length requirement is met; 12 words copied from the task prompt were not counted.

Coherence and Cohesion: Band 5.5

The response has a recognisable overall structure: an introduction, two body paragraphs, a further paragraph beginning “In my opinion,” and a conclusion. Sequencing phrases such as “At first,” “Secondly,” and “In the conclusion” make the main stages easy to identify. However, progression is weakened by repetition: the ideas about education and unexpected difficulties appear again in the later paragraph, and the conclusion repeats several points without adding a clear synthesis. Some links between sentences are also abrupt, particularly the shift from saving for a business to borrowing to help others. Use each paragraph to develop a distinct reason, connect examples directly to that reason, and reduce repeated claims so the argument moves forward more smoothly.

Lexical Resource: Band 5.0

You use enough topic-related vocabulary to communicate the main ideas, including “health emergencies,” “financial responsibilities,” “study abroad,” and “financial security.” However, the range is limited and several word choices or collocations are inaccurate, which sometimes makes the reader pause. For example, “business lose,” “lose to job,” and “saving money” do not express the intended ideas naturally; “business losses,” “job loss,” and “savings” would be more appropriate. There are also spelling errors such as “difficultie,” “responsiblities,” and “aboard” where you mean “abroad.” Aim to use a wider set of precise terms for financial planning and future needs, and check spelling and word forms carefully.

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and more extended sentence forms, and the overall meaning is usually recoverable. Some grammatical errors, however, recur across the response. Examples include “At first, save money is important,” where a gerund subject is needed, and “It also help students,” where the verb must agree with its subject. Verb forms are also problematic in “a person who is suffer” and “he spend saving”; these should be recast with accurate tense and structure. Articles, plurals and sentence boundaries need attention as well, as in “In these situation” and the long opening sentence joined by a comma. Practise building accurate sentences with subordinate clauses, then proofread for subject–verb agreement, verb forms and punctuation.

See this exact question answered at other band scores. The same prompt compared across bands.

Browse more IELTS Writing model answers or get your own writing scored by the same AI examiner.