Band 6.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.0 · Cambridge IELTS 19 · 2026-10-27

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 6.0)

Everyone should save money for their emergencies. There is an opinion that all people including youngsters should save money for the future. I strongly accord with this notion because saving money helping them in unexpected expenses, financial security and higher education which discuss in following paragraphs.

To begin with, there are several benefits that why everyone should save money for future. First, saving money helps people deal with unexpected emergencies. There are various emergencies that people may face anytime, such as medical bills, job loss and home repairs. For example, If someone suddenly ill, they can use save money without borrowing from others. Furthermore, it is important to save money for financial independency. People feel secure and financial independent, if they have money for future. They can fulfill their needs without worrying of money.

Another important benefit is that youngsters can save for their higher education. They can secure their future and independently choose their study and achieve their future goal. Moreover, having saving money helps them to become financial independent because they do not always need to rely on their parents. Similarly, they can learn live life independent. As a results, saving money helps young people to build a secure future.

In conclusion, I believe that everyone, including young people should save money for their future. It helps them to deal with unexpected emergencies, pay for higher education and achieve their goals, Moreover, saving money teaches people to manage their finances wisely and live a more secure and comfortable life.

AI examiner evaluation

Task Achievement / Task Response: Band 6.5

Your position is clear from the introduction (“I strongly accord with this notion”) and conclusion, and you address the central question by explaining benefits for both people generally and young people. The examples of medical bills, job loss and home repairs make the emergency-savings point relevant, while education and reduced reliance on parents are appropriate reasons for young people to save. Some ideas, however, are less fully developed than others: the claims about financial security and independence are repeated but not explained with a specific consequence or example. To strengthen the response, extend each main reason with a clearer explanation of how saving produces the stated benefit, and make the discussion of young people’s future more specific.

Coherence and Cohesion: Band 6.5

The response has a clear overall arrangement: an introduction, two body paragraphs organised around benefits, and a conclusion that restates your position. Sequencing phrases such as “To begin with,” “Furthermore,” and “Another important benefit” help readers follow the main points. However, some linking is mechanical, and ideas within the second body paragraph overlap: financial independence is mentioned more than once, followed by the similar point about living independently. The opening sentence about emergencies also repeats the introduction’s main idea. Improve progression by grouping related points, removing repetition, and using clearer references between sentences. A more developed transition from general savings benefits to the particular needs of young people would also make the argument flow more naturally.

Lexical Resource: Band 5.5

You use relevant vocabulary for the topic, including “unexpected emergencies,” “medical bills,” “financial security,” and “higher education,” so the main ideas are generally understandable. There are also attempts to express more specific concepts, such as financial independence and managing finances. However, several word choices and collocations are inaccurate or unnatural, including “strongly accord with this notion,” “financial independency,” and “having saving money.” Repetition of “future,” “save money,” and “independent” also limits flexibility. Aim to learn common word partnerships and check word forms: for example, use “strongly agree with this view,” “financial independence,” and “having savings.” More precise vocabulary would help express the benefits without repeating the same terms.

Grammatical Range and Accuracy: Band 5.5

You attempt a mixture of simple and more complex sentences, including conditional and subordinate structures, as in “If someone suddenly ill, they can use save money…” and “because they do not always need to rely on their parents.” The overall meaning is usually recoverable, but errors in verb forms, sentence construction, agreement, articles and punctuation occur across the response. For instance, “saving money helping them” needs a finite verb, and “If someone suddenly ill” is missing a verb; “As a results” also has an agreement error. Some sentences combine clauses awkwardly, and commas or full stops are not always used effectively. Practise building accurate complex sentences, then proofread each sentence for a complete verb structure and correct punctuation.

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