Describe a time when you saved money for something you wanted
Try the card on the exam timer first, then read the band-8 sample answer and the Part 3 questions that follow it.
Practice it like the exam
Describe a time when you saved money for something you wanted.
You should say:
- what you wanted to buy
- how long you saved
- how you managed to save the money
and explain how you felt when you finally bought it.
Ready
1 minute to prepare, then 2 minutes to speak. It switches on its own.
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Band 8 sample answer
261 words · about 2 minutes at a natural pace · Phrases from the vocabulary list are highlighted.
I'd like to talk about the time I saved money to buy a good camera. I became interested in photography when I was twenty, mostly because of my brother, who had a small camera and took beautiful photos of nature. I wanted my own, but a decent one cost around four hundred dollars, which was a lot for a student with a part-time job.
I decided to save for it. First, I worked out how much I could realistically put aside every month, and the figure was about fifty dollars. That meant it would take me eight months. To stay on track, I created a simple budget in a notebook and opened a separate savings account so that I wouldn't be tempted to spend the money. I also cut back on unnecessary expenses: I stopped buying takeaway coffee every day, I made packed lunches instead of eating out, and I limited the money I spent on clothes. At times, it was frustrating, especially when my friends went out and I stayed at home, but I kept reminding myself of my goal.
After eight months, I had enough. I remember walking into the shop, feeling both excited and nervous, and paying for the camera. When I held it in my hands, I felt extremely proud. It was worth every penny, and I took it everywhere.
Because I had worked so hard to buy it, I valued it much more than if someone had given it to me. The experience also taught me patience and discipline with money, which I still use today.
What to notice
- It takes the points on the card in order, so the examiner can follow it.
- Each point gets a specific detail or a short story, which is what keeps a talk going for two minutes.
- The "explain" line at the end gets the most time, because that is where you give an opinion and show your range of language.
We wrote this answer for practice; it does not come from IELTS. Take its structure and phrases and tell your own story, because examiners notice memorised answers.
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Useful vocabulary
| Phrase | Meaning |
|---|---|
| put money aside | to save money regularly |
| cut back on | to spend less on something |
| stick to a budget | to follow a plan for spending |
| splash out | to spend a lot of money on something |
| pay in instalments | to pay a bit at a time |
| worth every penny | good value for the money spent |
Plan it in one minute
Choose what to talk about in the first ten seconds, then write two or three key words for each point. Full sentences take too long to write and to read back.
Who or what you could talk about
- Saving for a laptop, bicycle or camera
- Saving for a trip
- Saving for a course or a special gift for family
How to spend the two minutes
- 25 swhat you wanted to buy
- 25 show long you saved
- 25 show you managed to save the money
- 45 sand explain how you felt when you finally bought it.
Part 3 questions
In the exam these come straight after your talk, on the wider subject: Saving and spending money. Answer each in 3–4 sentences, with your view, a reason and an example.
- Is it important for young people to learn how to save?
- Why do some people spend money as soon as they receive it?
- Should schools teach financial skills?
- How do credit cards affect people's spending habits?
- Do you think people in your country save enough?
- What are the benefits of saving for the future?
Keep practicing
More cue cards: Experiences
- Describe a time when you made a complaint
- Describe a time when you met an interesting person for the first time
- Describe a time when you were very surprised
- Describe a time when you gave your opinion in a group discussion
- Describe a time when you felt bored
- Describe a time when you felt proud of yourself
Part 1 topics on the same subject
Frequently asked questions
How should I describe an experience in an IELTS cue card?
Tell it as a story in the past: set the scene (when, where, who), what happened, how it ended. Then explain what you felt or learned. Past tenses used accurately are part of what the examiner is listening for.
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