Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-10-31

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)

Recently, the way of thinking of peoples is extremely change, and tends to money oriented or having wealth creation. as a result, individuals are becoming independent financially.everyone has a responsibilities and goals for their personal and family basis,however i pursue that the saving of money or creating a wealth is becoming an essential things as of now and for their future.

Genuinelly, i completely agree with that, because people are willing to be independent from joint family for growth and development,and move to big cities like toronto,tokyo or mumbai to grab opportunities and enjoy the full face of life with different people surrounding by us.moreover , expensive lifestyle aslo take place in younger generation to elder currently, which is the cause of high expenses such as for fashion, travelling and some households too. with less amount of money its tough to survive and spent will be also the reason for debt.as you live far from family it is your responsibilities to meticulous your finance and health,including routine expenses.for instant,if you live with family, you must have to plan for your childrens better education which take a bunch of dollar obviouslly higher education from recognized university will take your childrens future on extraordinary stage,will benificial for them meanwhile you also fullfill your responsibilities as parents.in contrast, a students from other parents who have different or unplanned financial goals , will sometimes choose a lower university or course due to the shortage of finance.its clear shows the sacrifice for future due to lack of money.

the another case which i studied as the keen sense is about care, if you were busy in your work and dont having a health insurance ,will take your all time saving of life which tends to you towards a financially debt.however , you have planned before to take insurance for safety of finance too will take you to the steady financial stage.

In conclusion, manage of finance and save money for younger individuals are accessible for their own future which tends towards a good life and thinking.its all about prospective of life of individuals.

AI examiner evaluation

Task Achievement / Task Response: Band 6.0

Your position is clear: you completely agree that saving is important, and you give relevant reasons involving independence, living costs, education, and health insurance. The examples about parents planning for university fees and the risk of medical costs help address the topic. However, some points are not fully explained or are difficult to interpret—for example, the link between moving away from a joint family and the need to save could be made more explicit. The education example also shifts between young people saving for themselves and parents saving for their children. To strengthen the response, keep the focus consistently on why everyone, including young people, should save, and develop each reason with a clearer explanation or specific example.

Coherence and Cohesion: Band 5.5

The response has an identifiable overall structure: an introduction, supporting discussion, a further point about insurance, and a conclusion. Connectors such as “moreover,” “in contrast,” and “in conclusion” show an effort to guide the reader. However, progression within the main paragraph is difficult to follow because several ideas—independence, lifestyle costs, family education, and debt—are crowded together. Some transitions, particularly “in contrast,” do not clearly signal the relationship between the ideas that follow. Long sentences and limited paragraph breaks also make the argument feel less controlled. Give each main reason its own paragraph, use linking phrases only when their relationship is clear, and make references such as “this” or “it” point unmistakably to a specific idea.

Lexical Resource: Band 5.5

You attempt a range of topic-related vocabulary, including “financially independent,” “health insurance,” “financial goals,” and “shortage of finance.” These choices show that you can discuss several aspects of saving, rather than relying only on basic terms. However, inaccurate word forms, spelling, and collocations sometimes make the meaning unclear, as in “money oriented,” “full face of life,” and “meticulous your finance.” There are also repeated references to money and finance without much variation. Aim to learn common word partnerships and check spelling and word forms carefully; more natural expressions will help you communicate your ideas precisely while retaining the range you are attempting.

Grammatical Range and Accuracy: Band 5.0

You attempt both simple statements and longer sentences with subordinate clauses, including explanations beginning with “because” and “if.” This gives the response some structural variety. However, many longer sentences are not controlled, and errors in agreement, articles, verb forms, and sentence boundaries sometimes make the reader work to understand the point. For example, “everyone has a responsibilities” has an agreement problem, while “which take a bunch of dollar” does not maintain a clear grammatical relationship with its subject. Capitalisation and punctuation are also inconsistent, with several sentences joined by commas. Practise building shorter, accurate sentences first, then combine related ideas using one clear subordinate clause at a time.

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