Automated saving systems have become increasingly prevalent in IELTS Writing Task 2 questions, particularly in topics related to technology and financial management. This theme has appeared in various forms over the past few years, similar to Benefits and concerns of AI, reflecting the growing importance of automation in our daily lives.
Student practicing IELTS Writing Task 2 essay on automated saving systems
Some people believe that automated saving systems, which automatically deduct money from people’s income for savings, are beneficial for personal financial management. To what extent do you agree or disagree with this statement?
Essay Analysis
This question requires candidates to express their opinion about automated saving systems and support it with relevant examples and explanations. The topic connects well with how automated banking improves financial efficiency.
Band 9 Sample Essay
Technology has revolutionized personal finance management, and automated saving systems represent a significant advancement in this field. I strongly agree that these systems offer substantial benefits for individuals managing their finances, although some considerations must be acknowledged.
Automated saving systems provide several key advantages. Firstly, they eliminate the human tendency to procrastinate or forget about saving money. When funds are automatically transferred to savings accounts, individuals cannot spend their entire income impulsively. Additionally, these systems create a consistent saving habit without requiring constant conscious effort, similar to how benefits of automated bill payments have simplified financial obligations.
Moreover, automated systems often incorporate sophisticated features that optimize saving patterns. They can analyze spending habits, adjust saving amounts based on income fluctuations, and even invest in appropriate financial instruments automatically. This technological integration, comparable to the benefits and drawbacks of living in smart homes, makes financial management more efficient and effective.
However, these systems are not without limitations. Some individuals might feel uncomfortable relinquishing direct control over their money, and technical glitches could potentially disrupt saving patterns. Furthermore, automated systems might not adequately account for unexpected expenses or income changes, requiring manual adjustments.
Despite these minor drawbacks, the advantages of automated saving systems significantly outweigh their limitations. They provide a reliable foundation for long-term financial security while minimizing the psychological barriers to saving money. As financial technology continues to evolve, similar to how How automation is transforming the retail sector, these systems will likely become even more sophisticated and beneficial.
Band 6.5 Sample Essay
Automated saving systems are becoming popular nowadays. I agree that these systems can help people manage their money better, but there are some problems too.
The main good point about automated saving systems is that they make saving easier. When money goes automatically to savings, people don’t need to think about it. Also, they can’t spend all their money because some is already saved. This helps people save more money than before.
Another benefit is that these systems are very regular. They work every month without fail, unlike human beings who sometimes forget to save money. This means people can build up their savings slowly but surely over time.
However, there are some problems with automated systems. Sometimes people need more money for emergencies, but the system keeps taking money anyway. Also, some people don’t trust computers with their money and prefer to control it themselves.
In conclusion, I think automated saving systems are mostly good because they help people save regularly, even though there are some small problems. These systems will probably become more common in the future.
Scoring Analysis
Band 9 Essay Features:
- Sophisticated vocabulary: “procrastinate,” “impulsively,” “relinquishing”
- Complex sentence structures
- Clear progression of ideas
- Well-developed arguments with specific examples
- Cohesive devices used effectively
- Balanced perspective considering multiple viewpoints
Band 6.5 Essay Features:
- Basic but clear vocabulary
- Simple sentence structures
- Some development of ideas
- Limited use of complex language
- Basic cohesive devices
- Less sophisticated examples
Key Vocabulary
- automated (adj.) /ˈɔːtəmeɪtɪd/ – operating automatically
- procrastinate (v.) /prəˈkræstɪneɪt/ – to delay doing something
- impulsively (adv.) /ɪmˈpʌlsɪvli/ – acting without thinking
- relinquishing (v.) /rɪˈlɪŋkwɪʃɪŋ/ – giving up control
- sophisticated (adj.) /səˈfɪstɪkeɪtɪd/ – advanced or complex
Consider practicing with similar topics like digital banking systems, financial technology innovations, or automated financial planning. Share your practice essays in the comments for feedback and improvement suggestions.
