IELTS Writing Task 2 sample answer (band score 8-9)
IELTS Essay # 1531 - It is important for everyone to save money
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IELTS Writing Task 2/ IELTS Essay:
You should spend about 40 minutes on this task.
Write about the following topic:
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.
Write at least 250 words.
Model Answer 1: [Agreement]
It is widely believed and suggested that saving money for the future is a vital practice for individuals, regardless of age. I strongly agree with this notion as I believe that it plays a crucial role in ensuring financial security and providing opportunities for future growth.
One key reason why saving is important is that it offers financial stability, particularly during unforeseen circumstances. Emergencies such as medical issues, job loss, or other unexpected expenses can arise at any time. By saving money, individuals can build a financial cushion to cover these costs without falling into debt or experiencing undue stress. For instance, a young person who sets aside a portion of their income can easily manage unexpected expenses, such as urgent car repairs or a sudden medical bill, without needing to rely on loans or credit cards.
Moreover, saving money also enables individuals to invest in their future aspirations, such as education or homeownership. By allocating funds for long-term goals, people can achieve financial independence and ensure they are prepared for life’s major milestones. For example, saving early for a deposit on a home can make the dream of homeownership more attainable, even for young adults who are just starting their careers. This approach not only secures a comfortable future but also reduces financial burdens in later years.
In conclusion, saving money is an essential habit that everyone should adopt, regardless of age. It ensures financial security in times of crisis and helps individuals achieve their long-term personal goals. By prioritizing savings, people can pave the way for a more secure and prosperous future.
Model Answer 2: [Disgreement]
While many argue that it is essential for everyone, including young people, to save money for their future, I disagree with this viewpoint. I believe that while savings can be beneficial, focusing too heavily on accumulating wealth may hinder personal growth and limit opportunities that individuals need to explore, regardless of their age.
One primary reason I believe saving money is not always necessary is that individuals should prioritize experiences and personal development over financial security. At various stages of life, people should focus on gaining skills, education, and broadening their horizons. By allocating funds for personal growth rather than solely for saving, individuals can create a foundation for more fulfilling lives and better long-term success. For example, spending money on travel, attending workshops, or engaging in further education can provide invaluable learning experiences that contribute to career advancement and personal growth, which cannot be obtained by merely saving money.
Moreover, people of all ages often have fewer financial responsibilities when they are at certain points in life, allowing them to take risks and embrace opportunities. Focusing too much on saving during these times can restrict the ability to seize potentially life-changing opportunities. For instance, someone in their 30s who is considering starting a business might feel the need to save excessively for the future instead of investing in their business, potentially missing out on a chance for financial success and personal satisfaction.
In conclusion, while saving money can be important later in life, individuals should not feel pressured to prioritize savings over personal growth and the pursuit of life’s opportunities. Investing in experiences and education is just as valuable as accumulating wealth, and such investments often pave the way for a more prosperous future.
Idea Generation for this IELTS Essay:
Essay 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?
Essay Type: Opinion Essay.
The main question of this IELTS Essay:
Should everyone, regardless of age, prioritize saving money for the future?
Arguments in Favour of Saving Money for the Future:
Financial security:
Saving money helps individuals achieve financial stability, particularly during emergencies or unforeseen circumstances. By setting aside funds, people can reduce stress and avoid falling into debt during unexpected events such as job loss or medical expenses. For example, an individual who saves regularly can handle an unexpected car repair or health emergency without relying on loans or credit cards.
Enables long-term goals:
Saving money allows individuals to invest in major life goals, such as purchasing a home, paying for higher education, or planning for retirement. This financial preparedness can provide individuals with greater opportunities and reduce future financial burdens. For instance, a person who saves for several years may be able to buy a house without relying on excessive loans, achieving long-term stability.
Future independence:
By saving money, individuals can gain greater financial independence, reducing reliance on others and empowering them to make their own choices. This independence is particularly important as people get older and face life transitions. For example, a young person who begins saving early will have more options to invest in their education, travel, or career development without financial constraints.
Investment in personal development:
Saving money provides individuals the freedom to invest in personal growth, whether through further education, workshops, or travel. These experiences enhance career opportunities and contribute to well-rounded personal development. For example, someone who saves for further studies can improve their qualifications, leading to better career prospects and greater job satisfaction.
Preparedness for retirement:
Saving for retirement ensures that individuals can maintain their standard of living in later years without depending on external support. A long-term savings strategy can guarantee financial freedom and peace of mind in old age. For example, individuals who begin saving in their 20s can accumulate enough wealth to live comfortably after retirement without financial stress.
Arguments Against Saving Money for the Future:
Risk of missing present opportunities:
Focusing too much on saving for the future may prevent individuals from fully enjoying the present. It can limit opportunities to travel, pursue hobbies, or invest in personal development. For example, someone who saves excessively might avoid spending on experiences such as travel or education that could enrich their life.
Limits personal growth:
For some, the pressure to save might discourage risk-taking and personal experimentation. People may hesitate to take on entrepreneurial ventures or pursue passion projects that require financial investment. For instance, a person who prioritizes saving may pass up a chance to start a business, missing a potential opportunity for growth.
Focus on experiences over material wealth:
Instead of prioritizing savings, people may benefit more from investing in life experiences and education, which provide lifelong value. For example, spending money on educational courses or cultural experiences can enhance a person's knowledge and broaden their career prospects, which ultimately contributes to long-term success.
Financial stress and pressure:
Overemphasizing saving can lead to unnecessary stress and anxiety, especially if individuals feel pressured to constantly save at the expense of their current well-being. For example, someone who aggressively saves for the future may experience financial stress that prevents them from enjoying their life in the present.
Potential for missed opportunities:
Excessive saving may result in missed opportunities that require immediate financial investments, such as launching a business or pursuing a new career path. For example, an individual who focuses only on saving may not have enough funds available to seize career-changing opportunities that could require upfront costs.
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