Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-10-29

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)

Save money for the future is very important for everyone with including of teen age people. I agree with statement it is better to save money from their monthly income instead of wasting it for uneccessary purpose. It is better to save atleast 20% from our montly income and that much of money helps us in some dangerous situations.

Firstly, savings have important for present generation people who are working under IT sectors. Because, now-a-days we can't even guarantee for our own jobs. Investing our income on something that it helps in some situations. When we lost job due to some reasons, it feels like very scared. Savings from our accounts help and save our situation from problems and back money definitely use to survive until to get employement.

Secondly, in some emergency situation like accidents or else health issue. Hospitals expects from us to pay high amount of money for treatment and some needs to cure. In that time saving money give a hand to get out from that situation. If we doesn't separate our income to savings it will effect in our emergency need. So, including with young people needs to save little much of amount is also enough.

In conclusion, saving our money from montly income is very important for every people includes teen agers. Saving should definitely saves us from emergency situations like when we lost our job with some reasons. Moreover, when our family undergo some accidents or health problems, that much saving money helps us for treatment purpose.

AI examiner evaluation

Task Achievement / Task Response: Band 6.0

Your position is clear: you agree that people, including young people, should save, and you give relevant reasons involving job loss and medical emergencies. These examples address the question and make the response purposeful. However, the two main points are not developed equally: the job-loss paragraph explains how savings can support someone until they find work, while the emergency paragraph mostly repeats that savings help pay for treatment. The reference to young people is also brief, with little explanation of why saving matters specifically for them or how they might do it. To strengthen the response, extend each reason with a specific example and explain the practical value of saving for teenagers or young adults.

Coherence and Cohesion: Band 6.0

The response has a clear overall structure, with an introduction, two body paragraphs signposted by “Firstly” and “Secondly,” and a conclusion. The ideas generally follow a sensible order, moving from job insecurity to health emergencies. However, some linking is mechanical, and connections between sentences are occasionally unclear. For example, “Investing our income on something that it helps in some situations” does not clearly connect to the following point about losing a job. The conclusion also repeats the same reasons rather than drawing them together. Use clearer links that show cause and effect, and make sure each sentence develops the paragraph’s main point. More precise referencing would also help readers follow what “that much of money” refers to.

Lexical Resource: Band 5.0

You use relevant vocabulary for the topic, including “monthly income,” “savings,” “emergency situation,” and “treatment,” so the main message is understandable. However, the range is limited and several word choices or collocations are inaccurate, which sometimes makes the reader work to interpret your meaning. Examples include “dangerous situations” for financial emergencies, “save our situation from problems,” and “back money.” There are also spelling errors such as “uneccessary,” “montly,” and “employement.” Build a more precise set of phrases for discussing financial security and emergencies, and check spelling carefully. Using accurate collocations will make your ideas clearer without requiring more complicated vocabulary.

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and more complex sentences, and the paragraph structure helps make your meaning broadly clear. However, errors in sentence formation, verb forms, agreement, and articles occur across the response. For example, “Savings have important” needs a different verb construction, while “If we doesn’t separate” has incorrect subject–verb agreement. The opening phrase, “Save money for the future is very important,” also needs a grammatical subject form, such as “Saving money for the future.” Some longer sentences, including the one beginning “Because, now-a-days,” are incomplete or difficult to follow. Practise building complete sentences with a clear subject and verb, then check agreement and verb forms, especially in conditional sentences.

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