Band 6.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.0 · Cambridge IELTS 19 · 2026-10-30

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)

In the contemporary era , saving money has become increasingly significant for next decades . While some individuals believe that saving money for future is important . Others argue that enjoy the present is necessary . I partly agree with this statement . people should enjoy there life as well as save wealth for long term .

On the one hand , saving income for later life is essential for severval reasons . The primary reason is it provide finacial security and help individuals to meet with unexpected expenses . For instance , sometime any one have emegency to pay medical bills or they are unemployed then they have sufficient money to pay bills . As a result it help them to mitigate financial strain . Moreover , saving money help individuals to complete their long term goals of life such as buying house , start business and paying fees for education . people also save money for their old age so that they become indepedent and donot disturb their childrens . Therfore , saving money plsy significant role in enduring a stable and secure future .

On the other hand , spending money to enjoy life is equally important . Because it help to improve peopleś quality of life . If individuals only stay focus on saving wealth then they miss their present life and in furture they feel regret . The time will never come again . For example , spending money on hobbies , travelling and family activies can create unforgettable memories . Further , enjoy life and take break from work help to improve metal well being and productivity .

In conculsion , I believe that people make balance between enjoy their current life and save funds for future . Becasue present time will never come . If they save money for future then they no finacial burden .

AI examiner evaluation

Task Achievement / Task Response: Band 6.5

Your position is clear: you partly agree and argue that people should balance saving with enjoying the present. You address both sides with relevant reasons, including unexpected medical costs, long-term goals, retirement, hobbies and travel. These examples show good coverage of the question. However, some points are asserted rather than fully explained. For instance, the claim that saving helps people avoid disturbing their children could be clarified, and the benefits of present-day spending could be linked more directly to why saving should not take priority in every case. To strengthen the response, develop each main reason with a clearer explanation or a specific example, and make the balance in your position more precise throughout.

Coherence and Cohesion: Band 6.5

The response has a coherent overall structure: an introduction, separate paragraphs presenting the two sides, and a conclusion. The progression from financial security to present enjoyment is easy to follow, and signposts such as “On the one hand,” “Moreover,” and “In conclusion” help guide the reader. At times, however, these links feel mechanical, and some connections between sentences are unclear. For example, “Because it help to improve people’s quality of life” is a fragment, while the final sentences repeat the idea that the present will not return without clearly connecting it to the conclusion. Use a wider range of linking methods, make references between ideas explicit, and ensure each paragraph develops a clear central point.

Lexical Resource: Band 5.5

You use relevant vocabulary for the topic, including “financial security,” “unexpected expenses,” “long term goals,” “financial strain,” and “quality of life.” These phrases help communicate the main ideas, and there is some attempt to use less common language. However, spelling errors and inaccurate word forms are noticeable, including “severval,” “finacial,” “emegency,” and “indepedant.” Some collocations are also unnatural, such as “meet with unexpected expenses,” “complete their long term goals,” and “enduring a stable and secure future.” These choices sometimes make the reader pause, even though the intended meaning is generally recoverable. Check spelling carefully and learn common word partnerships, such as “deal with unexpected expenses” and “achieve long-term goals.”

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and complex sentence forms, including conditional structures such as “If individuals only stay focus on saving wealth then they miss their present life.” However, control is limited, and errors occur frequently enough to affect clarity. Examples include subject–verb agreement (“it provide,” “saving money help”), incorrect verb forms (“people make balance”), and incomplete sentences such as “Because it help to improve people’s quality of life.” Articles and sentence boundaries also need attention, as in “buying house” and the opening’s full stop after “important.” Practise building accurate sentences with one main clause and a supporting clause, then check agreement, articles and punctuation. Greater accuracy in these patterns would make your ideas easier to follow.

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