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
    A ceramic piggy bank beside a pair of new headphones in their open box

    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

    Sit this card with the AI examinerThen the Part 3 discussion, and a full report

    A 60-second plan

    1. what it wassecond-hand red electric guitar, amp
    2. why you wanted ituncle's nylon guitar; friends' new band
    3. how long you saved for itten months: maths lessons, brigadeiros, tin
    4. and explain how you felt when you got itpile of notes, first chord, proud

    Sample answers

    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.

    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