Part 2 cue cardMoney and finance
Describe something you saved money to buy
"How long you saved for it" is where the grammar marks are: the past perfect continuous (I'd been saving for months) and how you raised the money. The feeling bullet is stronger if it contrasts the long wait with the moment itself.
- 1 minute to prepare
- Up to 2 minutes
- Samples at Band 6, 7 and 8
- Updated 20 October 2026

The cue card
Describe something you saved money to buy.
You should say:
- what it was
- why you wanted it
- how long you saved for it
- and explain how you felt when you got it
Rehearse the long turn
1 minute to prepare · 2 minutes to speak
A 60-second plan
- what it wassecond-hand red electric guitar, amp
- why you wanted ituncle's nylon guitar; friends' new band
- how long you saved for itten months: maths lessons, brigadeiros, tin
- and explain how you felt when you got itpile of notes, first chord, proud
Sample answers
Band 6 sample answer
230 words · about 2:00 spoken at a Band 6 pace
I want to talk about an electric guitar which I saved money to buy when I was sixteen. It was a second-hand red guitar, and I bought it with a small amplifier from a music shop in the centre of Recife.
I wanted it because I was learning guitar with my uncle's old guitar, but it was very old and had nylon strings, so it was impossible to play rock music on it. At that time my friends was starting a band at school and they needed a guitarist, so it was my big chance.
My parents said they cannot pay for it, so I decided to earn the money myself. I gave maths lessons to the children of our neighbours, and also I made brigadeiros, they are small chocolate sweets, and sold them at school. I kept all the money into an old coffee tin under my bed. It took me about ten months, and every time I passed the shop I was worried someone will buy it.
When I finally bought it, I was so nervous to give all those notes to the shop owner. At home I plugged it and played my first chord very loudly, and my mother knocked on the wall. I felt very proud, because I earned every coin myself, and I think this is why I still take care of it until now.
The mistakes that keep it at Band 6
- learning guitar with my uncle's old guitar should be learning on my uncle's old guitar
- my friends was starting a band should be my friends were starting a band
- My parents said they cannot pay should be My parents said they couldn't pay
- kept all the money into should be kept all the money in
- worried someone will buy it should be worried someone would buy it
- so nervous to give all those notes should be so nervous about handing over all those notes
- I plugged it and played should be I plugged it in and played
- still take care of it until now should be still take care of it today
Why this is Band 6, not Band 7
- Fluency and coherence
- Speaks at length with a clear reason for wanting the guitar ("so it was my big chance") and answers each bullet in order. It stays at Band 6 because the saving and the purchase are reported as a sequence of facts, and the feeling at the end is stated briefly rather than developed.
- Vocabulary
- Enough vocabulary to tell the story ("second-hand", "amplifier", "strings", "chord"), but some choices are inappropriate: "I plugged it" is missing its particle, and "still take care of it until now" uses the wrong time expression. Band 7 would use less common words with more precision.
- Grammar
- A mix of simple and complex sentences, including relative clauses and reported speech, but errors cluster in those structures: "My parents said they cannot pay" and "worried someone will buy it" both miss the backshift, and "my friends was starting" doesn't agree.
Pronunciation is the fourth criterion; it is judged from your voice, so a written sample cannot show it.
Band 7 sample answer
261 words · about 2:00 spoken at a Band 7 pace
Something I saved up for was my first electric guitar. It was a second-hand red one with a little practice amp thrown in, from a music shop in the old centre of Recife, and I bought it when I was sixteen.
I'd been learning on my uncle's old acoustic, which had nylon strings and was completely the wrong instrument for the kind of music I wanted to play. Then a couple of friends decided to form a rock band at school and asked if I'd be their guitarist, so suddenly an electric guitar wasn't just something I fancied; it felt essential.
My parents made it clear they couldn't afford it, so I set about raising the money myself. I tutored a few neighbours' kids in maths, and on top of that I made trays of brigadeiros, which are little chocolate truffles, and sold them at break time. Everything went into an old coffee tin under my bed. All in all, it took me about ten months, and the whole time I was terrified somebody else would snap the guitar up before I'd got enough.
The day I finally bought it, I remember counting out a huge pile of crumpled notes on the counter while the owner tried not to laugh. When I got home, I plugged it in, turned the amp right up, and my mum banged on the wall straight away. I was incredible proud, because I'd paid for every bit of it myself, and to be honest I think that's why I've looked after it so carefully ever since.
The slips
- incredible proud should be incredibly proud
Why this is Band 7, not Band 8
- Fluency and coherence
- Speaks at length without effort and explains the motive well ("suddenly an electric guitar wasn't just something I fancied; it felt essential"). Not Band 8 because the saving period is summed up rather than shown ("All in all, it took me about ten months").
- Vocabulary
- Some less common, idiomatic items: "thrown in", "set about raising the money", "snap the guitar up", "crumpled notes", "turned the amp right up". Band 8 would sustain that range; "completely the wrong instrument" and "huge pile" are fairly plain.
- Grammar
- Frequent error-free complex sentences: the past perfect continuous ("I'd been learning"), the future in the past ("would snap the guitar up"), the past perfect in a time clause ("before I'd got enough"). One slip, "incredible proud", where an adverb is needed.
Pronunciation is the fourth criterion; it is judged from your voice, so a written sample cannot show it.
Band 8 sample answer
272 words · about 1:53 spoken at a Band 8 pace
The thing I saved up for longest was a second-hand electric guitar, a battered red one that came with a tiny practice amp, from a cramped little music shop in the old centre of Recife. I was sixteen, and I can still picture it hanging in the window.
At the time I'd been teaching myself on my uncle's ancient nylon-string acoustic, which was hopeless for anything louder than a lullaby. Then two friends of mine announced they were forming a band and needed a guitarist, and from that moment the red guitar stopped being a daydream and became a mission.
My parents were upfront that it was beyond our budget, so I had to fund it myself. I tutored the neighbours' children in maths three afternoons a week, and I went into business making brigadeiros, those little Brazilian chocolate truffles, which I sold at break for a modest profit. Every coin went into an old coffee tin under my bed. It took ten months in all, and I made a slightly obsessive detour past that shop window most weeks, convinced someone would beat me to it.
When the day finally came, I tipped what felt like a mountain of grubby notes onto the counter, and the owner very kindly pretended that was a normal way to pay. That evening I plugged it in, hit my first chord at full volume, and my mother immediately hammered on the wall. What I felt was a sort of fierce pride, because nobody had handed it to me. I think that's exactly why, a decade later, it's still the one thing I'd grab in a fire.
Why this is Band 8, not Band 9
- Fluency and coherence
- Fluent and coherent, with the motive given a turning point ("from that moment the red guitar stopped being a daydream and became a mission") and an ending that reaches into the present. Short of Band 9 only because "When the day finally came" is a familiar storytelling formula.
- Vocabulary
- Wide and idiomatic: "hopeless for anything louder than a lullaby", "beyond our budget", "went into business", "beat me to it", "a mountain of grubby notes", "fierce pride". Band 9 would show this precision in every sentence, including the plain account of the tutoring.
- Grammar
- A wide range used accurately: the past perfect continuous ("I'd been teaching myself"), a participle clause ("convinced someone would beat me to it"), a cleft ("What I felt was"), and a conditional in a relative clause ("the one thing I'd grab in a fire"). No errors.
Pronunciation is the fourth criterion; it is judged from your voice, so a written sample cannot show it.
Rounding-off questions
- Is it better to save up or to borrow?
- For most things, saving is better, because you don't pay interest and you only buy what you can really afford. Borrowing makes sense for big, important things like a home or an education, though.
- Should children be taught to save money?
- Absolutely. Even a small amount of pocket money teaches them that waiting for something makes them value it more. If they never learn that young, credit cards can be a real trap later on.
Phrases worth reusing
thrown in
included free as an extra
set about raising the money
started working to collect the money
snap the guitar up
buy it quickly before anyone else can
beyond our budget
more than we could afford
went into business
started selling something to make money
beat me to it
get or do something before me
stopped being a daydream
became a real plan, not just a wish
If the obvious answer doesn't fit
- A phone, laptop or bike you bought with your own wages
- A trip or concert ticket you saved up for over months
- A present for a parent or partner that took a long time to afford
Where this leads
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