Band 6.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.5 · 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 6.5)

In today's rapidly growing world, money plays a crucial role in everyone life. It is very common topic nowadays that every individual should save money for their future. I completely agree with this notion, every person including young generation should save money for their bright future.

To commence with the first point of view, it is very important for young people to learn money management skills. By using those financial skills, individuals can become financial stable in less time and they can also grown by using that money to enhance their other professional skills. For example, professionals can use their saved money for their higher education if they want to resume their studies. They can easily choose good institutes and better required sources for their further education.

Furthermore, people can become independent and can support everyone around them if they have backup of money. They can use that money in different situations and this help them to stay calm and mentally free in difficult times. For instance, if any family member need urgent medical support, they do not need to think twice about the hospital bills if they have backup of the money and this also keep other family members stress free.

In conclusion, I firmly maintain that saving money from small age can play a vital role in new generation life. This primarily because they can become independent and support each others in difficult times while money management skill can provide financial stability for long period. The parents should, therefore, teach their children about the money management and how this will help them in future.

AI examiner evaluation

Task Achievement / Task Response: Band 7.0

Your position is clear from the introduction—“I completely agree”—and remains consistent in the conclusion. You address the statement by explaining how saving can build financial stability and provide a reserve for emergencies, with relevant examples such as funding further education and paying for urgent medical care. These ideas are extended with explanations of their benefits, which supports a developed response. However, some claims remain broad: for example, the link between savings and becoming “financial stable in less time” is not fully explained, and the education example could clarify how saving applies to young people in particular. A more specific example or fuller explanation of each main point would make the support more consistently convincing.

Coherence and Cohesion: Band 6.5

The response has a clear overall structure: an introduction, two body paragraphs presenting distinct reasons, and a conclusion that restates the position. The progression from personal financial skills to support during emergencies is logical, and signposts such as “Furthermore” and “In conclusion” help readers follow it. This meets the lower-band expectation of coherent arrangement and shows some movement towards more flexible organisation. However, transitions such as “To commence with the first point of view” sound formulaic, while repeated references to “that money” and “backup of money” make connections less precise. Improve cohesion by using more natural transitions and clearer references, and ensure each paragraph develops its central idea without relying on repeated linking phrases.

Lexical Resource: Band 6.0

You use an adequate range for the topic, including relevant terms such as “money management skills,” “financial stability,” “higher education,” and “urgent medical support.” These choices make the main ideas clear, and there are attempts to use more formal expressions such as “I firmly maintain.” Some less natural word choices and collocations, however, limit precision: “bright future,” “backup of money,” and “stay calm and mentally free” do not express the intended ideas as naturally as alternatives such as “financial security,” “emergency savings,” and “reduce stress.” There is also repetition of “money” and “support.” Broaden your topic vocabulary and check whether words combine naturally, while retaining the clear, accessible style already present.

Grammatical Range and Accuracy: Band 5.5

You attempt both simple and complex sentence forms, including conditional structures such as “if they have backup of the money” and a concluding clause beginning “while money management skill…”. The overall meaning remains understandable, but some grammatical errors recur and reduce accuracy. Examples include “everyone life” instead of a possessive form, “individuals can become financial stable,” “they can also grown,” and “this help them,” where agreement or verb forms are incorrect. There are also errors in “each family member need” and “this also keep.” Work on possessives, subject–verb agreement, and the correct form of verbs after modal verbs; then proofread longer sentences for punctuation and clause structure. More consistently accurate complex sentences would strengthen control.

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