Vous êtes sur la page 1sur 483

Thank you for agreeing to the terms and conditions to download the datatables.

Data tables are on the following pages.


Nov-13

Money Advice Service - Financial Capability Tracker Survey - FINAL


A3 You win 100; do you...?
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Save it

2549

1264

1285

309

401

395

413

1031

1321

1228

1191

137

146

62

20

16

2569

50%EFGJ

51%

49%

51%FG

46%

45%

46%

56%ADEFG

52%AJ

48%

51%

45%

47%

52%

75%

50%

51%

2530

1204

1325

293

465

476

490

806

1209

1321

1167

168

162

56

16

2510

50%HI

49%

51%

49%H

54%AH

55%ADH

54%ADH

44%

48%

52%AI

49%

55%

53%

48%

25%

50%

49%

Spend it

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A3 You win 100; do you...?
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Save it

2549

1030

644

866

488

1974

1344

1205

457

2093

217

427

404

1415

778

1567

2569

50%BCILO

48%

47%

57%ABC

52%

50%

50%I

51%I

42%

52%AGHI

50%L

44%

49%L

53%AL

47%

52%AO

51%

2530

1136

729

654

456

1986

1356

1174

619

1911

219

549

423

1275

873

1431

2510

50%DJNP

52%AD

53%AD

43%

48%

50%

50%J

49%J

58%AGHJ

48%

50%

56%AKMN

51%

47%

53%AP

48%

49%

Spend it

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


A3 You win 100; do you...?
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

Save it

2549

91

285

215

50%BLM

43%

50%LM

51%LM

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

233

180

228

253

358

350

124

181

50

1524

380

85

560

2569

52%BLM

49%LM

49%LM

59%ABCDF

52%BLM

54%BLM

50%LM

42%

36%

50%

55%ANQ

51%

49%

51%

GIKLM
Spend it

Don't know/no answer

2530

119

280

208

212

185

242

180

335

303

123

252

91

1552

311

80

586

2510

50%HO

57%AEHIJ

50%H

49%H

48%

51%H

51%H

41%

48%H

46%

50%H

58%ACDEF

64%ACDEF

50%O

45%

49%

51%O

49%

GHIJK

GHIJK

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


A3 You win 100; do you...?
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

Save it

2549

1503

70

25

86

30

151

2569

50%

51%

47%

63%

55%

51%

59%

55%

51%

Spend it

2530

1457

77

15

72

29

122

2510

50%

49%

53%

37%

45%

49%

41%

45%

49%

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A4 If planning for a holiday in a year's time, do you...?
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

4143

2007

2136

506

690

683

746

1518

2029

2114

1964

230

230

89

21

24

4144

82%FILM

81%

82%

84%EF

80%

78%

83%F

83%F

80%

83%AI

83%ALMN

75%

75%

76%

79%

75%

82%

Save up, then see what you can afford at


the time

Buy, then think how to pay later

Don't know/no answer

936

461

475

96

176

188

157

319

501

435

394

75

78

29

935

18%JK

19%

18%

16%

20%D

22%ADGH

17%

17%

20%AJ

17%

17%

25%AK

25%AK

24%K

21%

25%

18%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A4 If planning for a holiday in a year's time, do you...?
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

4143

1698

1165

1263

813

3188

2148

1995

834

3310

362

828

696

2140

1384

2396

4144

82%BFGINP

78%

85%AB

83%B

86%AF

81%

80%

84%AGIJ

77%

83%AGI

83%

85%AN

84%AN

80%

84%AP

80%

82%

Save up, then see what you can afford at


the time

Buy, then think how to pay later

936

468

208

256

131

772

552

384

242

693

74

148

132

550

266

602

935

18%CEHJLM

22%ACD

15%

17%

14%

19%AE

20%AHJ

16%

23%AHJ

17%H

17%

15%

16%

20%ALM

16%

20%AO

18%

O
Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


A4 If planning for a holiday in a year's time, do you...?
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

Save up, then see what you can afford at


the time

4143

165

455

337

371

297

372

359

573

537

204

82%

78%

81%

80%

83%

81%

79%

83%

83%

82%

82%

Buy, then think how to pay later

Don't know/no answer

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

364

110

2485

581

136

942

4144

84%

78%

81%

84%N

82%

82%

82%

936

46

109

87

75

68

98

73

120

117

43

68

31

591

110

29

205

935

18%

22%

19%

20%

17%

19%

21%

17%

17%

18%

18%

16%

22%

19%O

16%

18%

18%

18%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Unweigh
ted total

Internet usage

Money Advice Service - Financial Capability Tracker Survey - FINAL


A4 If planning for a holiday in a year's time, do you...?
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

Save up, then see what you can afford at


the time

4143

2436

126

38

124

48

11

221

4144

82%

82%

85%

95%ABEH

78%

81%

74%

81%

82%

Buy, then think how to pay later

Don't know/no answer

936

524

21

34

12

52

935

18%D

18%D

15%

5%

22%D

19%

26%

19%D

18%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A5 The current national interest rate set by the Bank of England is....
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Less than 10%

4513

2256

2257

509

716

789

833

1666

2348

2165

2046

290

295

117

25

32

4532

89%CDEJK

91%AC

86%

85%

83%

91%DE

92%ADE

91%ADE

93%AJ

85%

87%

95%AK

96%AK

99%AK

93%

100%AK

89%

566

213

353

93

150

82

70

171

182

384

313

15

13

547

11%BGHILMN

9%

14%AB

15%AFGH

17%AFGH

9%

8%

9%

7%

15%AI

13%ALMNP

5%

4%

1%

7%

11%

More than 10%

P
Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A5 The current national interest rate set by the Bank of England is....
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Less than 10%

4513

1972

1150

1378

817

3565

2461

2052

937

3576

391

800

706

2510

1401

2771

4532

89%CEHLMO

91%AC

84%

91%AC

87%

90%AE

91%AHIJ

86%

87%

89%AH

90%LM

82%

85%

93%AKLM

85%

92%AO

89%

566

194

223

141

126

395

239

327

138

428

45

176

122

180

249

227

547

11%BDFGJNP

9%

16%ABD

9%

13%AF

10%

9%

14%AGJ

13%G

11%G

10%N

18%AKN

15%AKN

7%

15%AP

8%

11%

More than 10%

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


A5 The current national interest rate set by the Bank of England is....
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

Less than 10%

4513

184

499

385

89%JKQ

87%

88%J

91%EJK

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

384

333

441

389

626

551

210

379

132

2805

642

147

918

4532

86%

91%EJK

94%ABCEH

90%J

90%EJK

84%

85%

88%

94%JK

91%AQ

93%AQ

89%Q

80%

89%

IJKL
More than 10%

566

27

66

39

61

33

29

43

67

102

37

54

271

49

18

229

547

11%GNO

13%G

12%G

9%

14%DFGI

9%

6%

10%G

10%G

16%ACDFG

15%ADFGI

12%G

6%

9%

7%

11%

20%ANOP

11%

HIM

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


A5 The current national interest rate set by the Bank of England is....
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

Less than 10%

4513

2670

122

38

118

36

14

207

4532

89%CEFH

90%ACEFH

83%F

95%EFH

75%

61%

93%

76%F

89%

566

290

25

40

23

66

547

11%B

10%

17%AB

5%

25%ABD

39%ABCDH

7%

24%ABD

11%

More than 10%

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A7 It is three days before you are paid or receive some benefits.
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

You have money left for the next three


days

3349

1677

1672

345

483

486

577

1459

1826

1524

1537

212

232

90

19

22

3386

66%CDEFJ

68%AC

64%

57%

56%

56%

64%DEF

79%ADEFG

72%AJ

60%

65%

69%

75%AK

77%AK

70%

69%

67%

1730

791

938

258

383

384

326

378

704

1025

821

93

76

27

10

1693

34%BHIMN

32%

36%AB

43%AGH

44%AGH

44%AGH

36%H

21%

28%

40%AI

35%MN

31%

25%

23%

30%

31%

33%

You have to cut back for the next three


days

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A7 It is three days before you are paid or receive some benefits.
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

You have money left for the next three


days

3349

1365

713

1257

596

2652

1870

1480

609

2740

240

526

457

2031

922

2154

3386

66%BCEHIK

63%C

52%

83%ABC

63%

67%AE

69%AHI

62%I

57%

68%AHI

55%

54%

55%

75%AKLM

56%

72%AO

67%

LMO
You have to cut back for the next three
days

1730

801

660

262

347

1308

830

899

467

1263

196

450

371

659

729

844

1693

34%DFGJNP

37%AD

48%ABD

17%

37%AF

33%

31%

38%AGJ

43%AGHJ

32%

45%AN

46%AN

45%AN

25%

44%AP

28%

33%

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


A7 It is three days before you are paid or receive some benefits.
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

You have money left for the next three


days

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

3349

138

349

277

319

239

294

283

496

424

169

287

77

1986

457

103

804

3386

66%CMN

65%

62%

65%

72%ACGJM

65%

63%

65%

72%ACDFG

65%

68%M

66%

54%

65%

66%

62%

70%ANP

67%

HJM
You have to cut back for the next three
days

Don't know/no answer

1730

73

216

146

127

127

175

150

197

230

79

146

64

1090

235

62

343

1693

34%EIQ

35%

38%AEI

35%I

28%

35%I

37%EI

35%I

28%

35%EI

32%

34%

46%AEIK

35%AQ

34%

38%Q

30%

33%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


A7 It is three days before you are paid or receive some benefits.
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

You have money left for the next three


days

You have to cut back for the next three


days

Don't know/no answer

3349

2059

107

20

97

30

12

160

3386

66%FH

70%ADEFH

73%DEFH

51%

61%

50%

80%

59%

67%

1730

901

40

19

61

30

113

1693

34%B

30%

27%

49%BC

39%BC

50%ABC

20%

41%ABC

33%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A9 A child's birthday present costs 30, but you only have 20.
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

4358

2071

2287

487

697

724

778

1672

2225

2133

2026

257

259

109

25

30

4378

86%BDEFJ

84%

88%AB

81%

81%

83%

86%DE

91%ADEFG

88%AJ

84%

86%

84%

84%

93%AKLM

92%

92%

86%

You get something else costing 20

You borrow 10 to get the present

721

398

323

115

169

147

125

165

305

416

333

49

49

701

14%CHIN

16%AC

12%

19%AGH

19%AGH

17%AH

14%H

9%

12%

16%AI

14%N

16%N

16%N

7%

8%

8%

14%

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A9 A child's birthday present costs 30, but you only have 20.
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

4358

1839

1109

1393

816

3397

2342

2016

843

3515

358

794

680

2400

1345

2644

4378

86%CHIKLM

85%C

81%

92%ABC

86%

86%

87%AHI

85%I

78%

88%AHI

82%

81%

82%

89%AKLM

81%

88%AO

86%

You get something else costing 20

O
You borrow 10 to get the present

721

327

264

126

127

562

358

363

233

488

77

183

147

290

306

354

701

14%DGJNP

15%D

19%ABD

8%

14%

14%

13%

15%AGJ

22%AGHJ

12%

18%AN

19%AN

18%AN

11%

19%AP

12%

14%

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


A9 A child's birthday present costs 30, but you only have 20.
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

You get something else costing 20

You borrow 10 to get the present

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

4358

170

471

352

388

322

406

380

606

559

221

367

116

2626

625

138

969

4378

86%B

81%

83%

83%

87%B

88%BC

86%

88%BC

87%BC

86%

90%BCD

85%

82%

85%

90%ANPQ

84%

84%

86%

721

41

94

71

57

44

64

52

87

95

26

66

25

450

66

27

178

701

14%O

19%AEFHI

17%FHIK

17%K

13%

12%

14%

12%

13%

14%

10%

15%

18%

15%O

10%

16%O

16%O

14%

K
Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


A9 A child's birthday present costs 30, but you only have 20.
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

You get something else costing 20

4358

2584

128

34

135

46

14

229

4378

86%

87%AF

87%

84%

85%

78%

94%

84%

86%

You borrow 10 to get the present

Don't know/no answer

721

375

19

23

13

43

701

14%B

13%

13%

16%

15%

22%B

6%

16%

14%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A11 When it comes to money, you prefer to....
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Plan for the future

3482

1666

1816

394

587

571

619

1312

1880

1602

1602

217

226

91

22

28

3506

69%FJ

68%

70%

65%

68%

66%

69%

71%ADF

74%AJ

63%

68%

71%

73%

77%K

81%

86%AK

69%

1597

802

795

208

279

300

284

525

650

947

757

88

82

27

1573

31%HIP

32%

30%

35%H

32%

34%AH

31%

29%

26%

37%AI

32%NP

29%

27%

23%

19%

14%

31%

Live for the day

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A11 When it comes to money, you prefer to....
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Plan for the future

3482

1499

863

1108

608

2760

1955

1527

727

2755

271

550

535

2012

1007

2168

3506

69%CEHKLM

69%C

63%

73%ABC

64%

70%AE

72%AHIJ

64%

68%H

69%H

62%L

56%

65%L

75%AKLM

61%

72%AO

69%

1597

667

510

411

336

1200

745

852

348

1249

164

426

293

678

643

830

1573

31%DFGNP

31%D

37%ABD

27%

36%AF

30%

28%

36%AGIJ

32%G

31%G

38%AN

44%AKMN

35%AN

25%

39%AP

28%

31%

O
Live for the day

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


A11 When it comes to money, you prefer to....
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

Plan for the future

3482

128

351

298

69%BCFQ

61%

62%

70%BC

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

313

235

312

303

485

490

168

302

98

2157

524

120

682

3506

70%BC

64%

66%

70%BC

70%BCF

75%ABCFG

68%

70%BC

69%

70%AQ

76%ANQ

72%Q

59%

69%

IK
Live for the day

1597

83

213

125

132

131

158

130

208

163

79

131

43

919

167

45

465

1573

31%JNO

39%ADEHI

38%ADEHIJL

30%

30%

36%AIJ

34%J

30%

30%J

25%

32%J

30%

31%

30%O

24%

28%

41%ANOP

31%

JL
Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


A11 When it comes to money, you prefer to....
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

Plan for the future

3482

2003

114

30

118

42

10

200

3506

69%

68%

77%AB

74%

74%

71%

68%

73%

69%

Live for the day

1597

957

33

10

40

17

73

1573

31%C

32%C

23%

26%

26%

29%

32%

27%

31%

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A12 You think an item that you want is a bit too expensive. Do you...?
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Compare prices before deciding whether to


buy

Buy it anyway

Don't know/no answer

4715

2275

2440

561

799

826

866

1662

2373

2342

2182

292

290

112

26

29

4729

93%HJ

92%

93%

93%H

92%

95%AEH

96%ADEH

90%

94%AJ

92%

92%

96%

94%

95%

97%

90%

93%

364

193

171

41

67

44

37

175

157

207

177

13

17

350

7%FGI

8%

7%

7%G

8%FG

5%

4%

10%ADFG

6%

8%AI

8%

4%

6%

5%

3%

10%

7%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A12 You think an item that you want is a bit too expensive. Do you...?
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Compare prices before deciding whether to


buy

4715

2036

1297

1364

875

3682

2553

2161

1022

3692

406

905

778

2493

1526

2796

4729

93%DHJ

94%AD

94%AD

90%

93%

93%

95%AHJ

91%

95%AHJ

92%H

93%

93%

94%

93%

92%

93%

93%

Buy it anyway

364

130

76

155

69

278

147

218

53

311

30

71

50

197

124

202

350

7%BCGI

6%

6%

10%ABC

7%

7%

5%

9%AGIJ

5%

8%AGI

7%

7%

6%

7%

8%

7%

7%

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


A12 You think an item that you want is a bit too expensive. Do you...?
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

Compare prices before deciding whether to


buy

Buy it anyway

Don't know/no answer

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

4715

194

521

392

407

343

445

405

635

602

228

407

137

2927

668

158

963

4729

93%Q

92%

92%

93%

91%

94%

95%I

94%

92%

92%

92%

94%

97%

95%AQ

97%AQ

95%Q

84%

93%

364

17

44

32

38

22

24

28

59

52

20

26

149

24

184

350

7%NO

8%

8%

7%

9%

6%

5%

6%

8%G

8%

8%

6%

3%

5%

3%

5%

16%ANOP

7%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Unweigh
ted total

Internet usage

Money Advice Service - Financial Capability Tracker Survey - FINAL


A12 You think an item that you want is a bit too expensive. Do you...?
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

Compare prices before deciding whether to


buy

4715

2728

132

37

134

50

14

236

4729

93%BEFH

92%EH

90%

94%

85%

85%

93%

87%

93%

Buy it anyway

Don't know/no answer

364

231

15

24

37

350

7%

8%A

10%

6%

15%AB

15%A

7%

13%AB

7%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A13 Getting into debt....
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Bothers you

4595

2164

2432

555

792

790

814

1645

2307

2288

2138

272

281

104

24

32

4594

90%B

88%

93%AB

92%

91%

91%

90%

90%

91%

90%

91%

89%

91%

88%

89%

100%N

90%

484

305

179

47

75

81

89

192

223

261

221

33

26

14

485

10%C

12%AC

7%

8%

9%

9%

10%

10%

9%

10%

9%

11%

9%

12%P

11%

10%

Does not bother you

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A13 Getting into debt....
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Bothers you

4595

1974

1242

1361

860

3578

2471

2125

990

3606

392

866

754

2452

1478

2726

4594

90%HL

91%

90%

90%

91%

90%

92%AHJ

89%

92%H

90%

90%

89%

91%

91%L

90%

91%

90%

484

192

131

159

84

382

229

254

86

398

44

111

74

238

172

273

485

10%G

9%

10%

10%

9%

10%

8%

11%AGI

8%

10%G

10%

11%AN

9%

9%

10%

9%

10%

Does not bother you

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


A13 Getting into debt....
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

Bothers you

4595

189

493

386

90%CQ

90%

87%

484

22

72

10%NO

10%M

Does not bother you

Don't know/no answer

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

402

339

436

393

621

580

230

389

137

2829

649

148

970

4594

91%

90%

93%CJ

93%CJ

91%

90%

89%

93%C

90%

97%BCIJL

92%AQ

94%AQ

90%

85%

90%

37

43

26

33

40

72

74

18

44

248

42

17

177

485

13%AFGKM

9%

10%

7%

7%

9%

10%M

11%FGM

7%

10%M

3%

8%

6%

10%

15%ANO

10%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Unweigh
ted total

Internet usage
2 to 5 times a Once a week
week (P)
or less (Q)

Money Advice Service - Financial Capability Tracker Survey - FINAL


A13 Getting into debt....
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

Bothers you

4595

2670

133

36

127

47

13

223

4594

90%EFH

90%EFH

90%EH

90%

80%

80%

85%

82%

90%

484

289

14

32

12

50

485

10%

10%

10%

10%

20%ABC

20%AB

15%

18%ABC

10%

Does not bother you

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A15 In order to know how much you can spend shopping, do you...?
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Check your bank balance

4135

1962

2173

513

713

730

753

1425

2042

2093

1907

252

256

97

20

24

4144

81%BH

79%

83%AB

85%AH

82%H

84%AH

83%H

78%

81%

82%

81%

82%

83%

83%

73%

75%

82%

944

506

438

90

153

140

150

412

489

456

452

54

52

20

935

19%CDF

21%AC

17%

15%

18%

16%

17%

22%ADEFG

19%

18%

19%

18%

17%

17%

27%

25%

18%

Guess how much you have

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A15 In order to know how much you can spend shopping, do you...?
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Check your bank balance

4135

1783

1166

1168

775

3223

2222

1912

921

3213

368

804

700

2143

1388

2397

4144

81%DJNP

82%D

85%ABD

77%

82%

81%

82%J

80%

86%AGHJ

80%

85%N

82%

85%AN

80%

84%AP

80%

82%

944

383

207

351

168

736

478

467

154

790

67

172

128

546

263

601

935

19%CIMO

18%C

15%

23%ABC

18%

19%

18%I

20%I

14%

20%AGI

15%

18%

15%

20%AKM

16%

20%AO

18%

Guess how much you have

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


A15 In order to know how much you can spend shopping, do you...?
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

Check your bank balance

4135

175

468

344

81%Q

83%

83%

81%

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

347

294

389

348

563

521

193

371

121

2599

573

146

816

4144

78%

81%

83%

80%

81%

80%

78%

86%AEFHI

86%

85%AQ

83%Q

88%AQ

71%

82%

JK
Guess how much you have

944

35

97

80

98

71

80

85

130

132

55

61

20

477

118

19

330

935

19%LNP

17%

17%

19%

22%L

19%L

17%

20%L

19%L

20%L

22%L

14%

14%

15%

17%

12%

29%ANOP

18%

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


A15 In order to know how much you can spend shopping, do you...?
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

Check your bank balance

4135

2378

124

36

115

45

10

206

4144

81%BEH

80%E

84%EH

91%EH

72%

75%

64%

75%

82%

944

582

23

44

15

67

935

19%

20%A

16%

9%

28%ABCD

25%

36%

25%ACD

18%

Guess how much you have

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A17 You get an expensive present for your birthday. In return....
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

You buy that person a present you can


afford

4133

2029

2104

441

637

702

757

1597

2085

2047

1934

249

247

91

18

22

4169

81%DEP

82%

81%

73%

74%

81%DE

84%ADE

87%ADEFG

82%

80%

82%P

82%

80%

77%

67%

68%

82%

946

439

507

161

229

169

146

240

445

502

424

56

61

27

10

910

19%GH

18%

19%

27%AFGH

26%AFGH

19%H

16%H

13%

18%

20%

18%

18%

20%

23%

33%

32%AK

18%

You try to match the price of the present


you received

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A17 You get an expensive present for your birthday. In return....
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

You buy that person a present you can


afford

4133

1703

1091

1326

808

3189

2220

1912

855

3278

329

822

643

2221

1373

2418

4169

81%BCFKM

79%

79%

87%ABC

86%AF

81%

82%I

80%

79%

82%H

76%

84%AKM

78%

83%AKM

83%AP

81%

82%

946

463

282

193

135

771

479

467

221

725

107

154

185

469

277

581

910

19%DELNO

21%AD

21%AD

13%

14%

19%AE

18%

20%J

21%G

18%

24%ALN

16%

22%ALN

17%

17%

19%O

18%

You try to match the price of the present


you received

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


A17 You get an expensive present for your birthday. In return....
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

You buy that person a present you can


afford

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

4133

167

461

341

353

316

390

346

566

506

209

373

103

2459

596

146

932

4169

79%

82%

81%

79%

86%ABCDE

83%JM

80%

82%

78%

84%JM

86%ABCDE

73%

80%

86%ANQ

89%ANQ

81%

82%

HIJM

946

43

103

82

92

50

79

86

127

147

38

59

38

617

95

19

215

910

19%FLOP

21%FL

18%FL

19%FL

21%FL

14%

17%

20%FL

18%FL

22%AFGKL

16%

14%

27%FGKL

20%AOP

14%

11%

19%OP

18%

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

2 to 5 times a Once a week


week (P)
or less (Q)

81%JN

HIJM
You try to match the price of the present
you received

Unweigh
ted total

Internet usage

Money Advice Service - Financial Capability Tracker Survey - FINAL


A17 You get an expensive present for your birthday. In return....
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

You buy that person a present you can


afford

4133

2512

112

32

96

42

11

180

4169

81%EFH

85%ACEFH

76%EH

79%E

61%

70%

74%

66%E

82%

946

447

36

62

18

92

910

19%B

15%

24%B

21%

39%ABCDH

30%AB

26%

34%ABC

18%

You try to match the price of the present


you received

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A18 Saving money for a rainy day is....
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Important

4527

2172

2355

517

763

793

807

1648

2327

2199

2086

279

286

112

27

31

4545

89%BDJ

88%

90%AB

86%

88%

91%AD

89%D

90%D

92%AJ

86%

88%

92%

93%AK

95%AK

100%

96%

89%

552

296

256

86

103

78

96

189

203

350

272

26

21

534

11%CFIMN

12%AC

10%

14%AFGH

12%

9%

11%

10%

8%

14%AI

12%MN

8%

7%

5%

4%

11%

Unimportant

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A18 Saving money for a rainy day is....
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Important

4527

1975

1172

1363

822

3554

2464

2063

958

3568

382

814

729

2479

1405

2743

4545

89%CEHLO

91%AC

85%

90%C

87%

90%AE

91%AHIJ

87%

89%H

89%H

88%L

83%

88%L

92%AKLM

85%

91%AO

89%

552

191

201

156

122

406

236

316

117

435

53

162

99

211

245

255

534

11%BFGNP

9%

15%ABD

10%

13%AF

10%

9%

13%AGIJ

11%G

11%G

12%N

17%AKMN

12%N

8%

15%AP

9%

11%

Unimportant

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


A18 Saving money for a rainy day is....
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

Important

4527

187

491

382

89%Q

89%

87%

552

24

73

11%NO

11%

Unimportant

Don't know/no answer

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

386

327

417

393

617

588

218

393

127

2796

644

149

938

4545

90%

87%

90%

89%

91%

89%

90%

88%

91%E

90%

91%AQ

93%AQ

90%Q

82%

89%

41

60

38

53

40

76

65

29

40

14

280

47

16

209

534

13%

10%

13%L

10%

11%

9%

11%

10%

12%

9%

10%

9%

7%

10%

18%ANOP

11%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Unweigh
ted total

Internet usage
2 to 5 times a Once a week
week (P)
or less (Q)

Money Advice Service - Financial Capability Tracker Survey - FINAL


A18 Saving money for a rainy day is....
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

Important

4527

2634

139

37

138

52

15

241

4545

89%

89%

94%ABE

92%

87%

87%

95%

88%

89%

552

326

20

32

534

11%C

11%C

6%

8%

13%C

13%

5%

12%

11%

Unimportant

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A20 When taking money out of a cash machine, you....
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Check your balance first

3290

1524

1766

428

520

564

596

1182

1435

1855

1611

174

141

47

12

15

3294

65%BEILMN

62%

68%AB

71%AEFGH

60%

65%

66%E

64%E

57%

73%AI

68%ALMNP

57%MN

46%

40%

46%

48%

65%

1789

944

845

174

346

307

307

655

1095

694

747

131

167

71

14

17

1785

35%CDJK

38%AC

32%

29%

40%ADGH

35%D

34%D

36%D

43%AJ

27%

32%

43%AK

54%AKL

60%AKL

54%

52%AK

35%

P
Withdraw money without checking

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A20 When taking money out of a cash machine, you....
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Check your balance first

3290

1313

1003

961

674

2493

1692

1598

708

2582

304

760

542

1578

1181

1780

3294

65%BFGNP

61%

73%ABD

63%

71%AF

63%

63%

67%AGJ

66%G

64%G

70%AN

78%AKMN

65%N

59%

72%AP

59%

65%

1789

853

370

559

269

1467

1008

781

367

1422

132

216

286

1112

470

1219

1785

35%CEHKLO

39%AC

27%

37%C

29%

37%AE

37%AHIJ

33%

34%

36%H

30%L

22%

35%L

41%AKLM

28%

41%AO

35%

Withdraw money without checking

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


A20 When taking money out of a cash machine, you....
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

Check your balance first

3290

148

405

255

65%IN

70%DGIM

72%ADEFGHI

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

280

238

290

284

425

424

163

298

80

1885

462

109

834

3294

60%

63%

65%

62%

66%

61%

65%

66%

69%DGIM

57%

61%

67%N

66%

73%ANO

65%

JM
Withdraw money without checking

Don't know/no answer

1789

63

160

168

165

127

180

149

268

229

84

135

61

1191

229

56

312

1785

35%CQ

30%

28%

40%BCL

37%C

35%C

38%BCL

34%C

39%ABCL

35%C

34%

31%

43%BCL

39%AOQ

33%Q

34%

27%

35%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


A20 When taking money out of a cash machine, you....
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

Check your balance first

3290

1895

91

32

100

50

191

3294

65%

64%

62%

79%BC

63%

84%ABCEH

62%

70%BE

65%

Withdraw money without checking

1789

1065

56

58

81

1785

35%F

36%DFH

38%DF

21%

37%FH

16%

38%

30%F

35%

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A21 Living within your means is....
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Easy to do

2698

1334

1363

301

415

377

394

1211

1503

1195

1251

155

180

73

22

25

2710

53%EFGJ

54%

52%

50%FG

48%

43%

44%

66%ADEFG

59%AJ

47%

53%

51%

58%

62%

81%

77%AKLM

53%

2381

1134

1247

301

452

494

509

626

1027

1354

1108

150

128

45

2369

47%HIP

46%

48%

50%H

52%AH

57%ADH

56%ADH

34%

41%

53%AI

47%P

49%P

42%P

38%

19%

23%

47%

Difficult to do

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A21 Living within your means is....
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Easy to do

2698

1084

550

1050

436

2186

1508

1190

469

2229

203

381

355

1677

651

1820

2710

53%BCEHIK

50%C

40%

69%ABC

46%

55%AE

56%AHI

50%I

44%

56%AHI

47%L

39%

43%

62%AKLM

39%

61%AO

53%

2381

1082

823

469

508

1774

1192

1189

607

1774

233

596

473

1013

999

1178

2369

47%DFGJNP

50%AD

60%ABD

31%

54%AF

45%

44%

50%AGJ

56%AGHJ

44%

53%AN

61%AKN

57%AN

38%

61%AP

39%

47%

LMO
Difficult to do

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


A21 Living within your means is....
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

Easy to do

2698

114

301

237

53%NO

54%

53%

2381

96

263

47%Q

46%

Difficult to do

Don't know/no answer

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

256

183

233

238

373

333

135

230

63

1563

331

81

723

2710

56%

57%FGJM

50%

50%

55%

54%

51%

55%

53%

45%

51%

48%

49%

63%ANOP

53%

186

189

182

236

195

320

321

112

203

78

1513

360

84

424

2369

47%

44%

43%

50%E

50%E

45%

46%

49%E

45%

47%

55%E

49%AQ

52%AQ

51%Q

37%

47%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Unweigh
ted total

Internet usage
2 to 5 times a Once a week
week (P)
or less (Q)

Money Advice Service - Financial Capability Tracker Survey - FINAL


A21 Living within your means is....
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

Easy to do

2698

1683

74

21

90

22

141

2710

53%F

57%AF

50%

52%

57%F

37%

56%

52%F

53%

2381

1277

73

19

69

37

132

2369

47%B

43%

50%

48%

43%

63%ABEH

44%

48%

47%

Difficult to do

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A22 The heating in your house breaks down.
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Your insurance or landlord will cover this

3042

1440

1603

425

568

496

523

1031

1378

1664

1449

167

188

48

11

14

3036

60%BHIN

58%

61%AB

71%AFGH

66%AFGH

57%

58%

56%

54%

65%AI

61%ALNP

55%N

61%N

41%

42%

43%

60%

2037

1028

1008

177

298

375

380

806

1152

885

909

138

119

70

16

18

2043

40%CDEJK

42%AC

39%

29%

34%

43%DE

42%DE

44%ADE

46%AJ

35%

39%

45%K

39%

59%AKLM

58%

57%K

40%

You will have to find all the money to get it


fixed or replaced

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A22 The heating in your house breaks down.
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Your insurance or landlord will cover this

3042

1230

972

825

662

2280

1511

1531

641

2402

262

878

717

1103

1142

1644

3036

60%BDFGNP

57%

71%ABD

54%

70%AF

58%

56%

64%AGIJ

60%G

60%G

60%N

90%AKMN

87%AKN

41%

69%AP

55%

60%

2037

936

401

695

281

1680

1189

848

435

1602

173

98

111

1587

508

1354

2043

40%CEHLMO

43%AC

29%

46%AC

30%

42%AE

44%AHIJ

36%

40%H

40%H

40%LM

10%

13%L

59%AKLM

31%

45%AO

40%

You will have to find all the money to get it


fixed or replaced

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


A22 The heating in your house breaks down.
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

Your insurance or landlord will cover this

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

2 to 5 times a Once a week


week (P)
or less (Q)

3042

135

333

252

256

201

273

245

422

423

151

289

62

1819

408

105

709

3036

60%FM

64%FM

59%M

60%M

58%M

55%

58%M

57%M

61%M

65%ACEFG

61%M

67%ACDEF

44%

59%

59%

64%

62%

60%

HM
You will have to find all the money to get it
fixed or replaced

Unweigh
ted total

Internet usage

GHIM

2037

76

232

171

189

164

197

187

271

230

97

144

79

1257

283

60

437

2043

40%JL

36%

41%JL

40%L

42%JL

45%ABJL

42%JL

43%JL

39%L

35%

39%

33%

56%ABCDE

41%

41%

36%

38%

40%

GHIJKL
Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


A22 The heating in your house breaks down.
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

Your insurance or landlord will cover this

3042

1749

97

25

89

38

10

163

3036

60%

59%

66%

63%

56%

64%

68%

60%

60%

2037

1211

50

15

69

21

110

2043

40%

41%

34%

37%

44%

36%

32%

40%

40%

You will have to find all the money to get it


fixed or replaced

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A27 Money is something....
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

You discuss openly with friends/family

You are uncomfortable talking about

Don't know/no answer

3418

1641

1777

459

552

580

590

1237

1762

1656

1594

215

219

89

19

25

3438

67%EJ

66%

68%

76%AEFGH

64%

67%

65%

67%

70%AJ

65%

68%

70%

71%

75%

69%

76%

68%

1661

827

834

143

314

291

313

600

768

893

765

90

88

29

1641

33%DI

34%

32%

24%

36%AD

33%D

35%D

33%D

30%

35%AI

32%

30%

29%

25%

31%

24%

32%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A27 Money is something....
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

You discuss openly with friends/family

3418

1456

902

1049

599

2727

1853

1565

741

2676

302

661

551

1815

1075

2087

3438

67%EHO

67%

66%

69%

63%

69%AE

69%AHJ

66%

69%

67%

69%

68%

67%

67%

65%

70%AO

68%

1661

710

471

471

344

1233

847

814

334

1327

134

315

276

874

575

911

1641

33%FGP

33%

34%

31%

37%AF

31%

31%

34%AG

31%

33%G

31%

32%

33%

33%

35%AP

30%

32%

You are uncomfortable talking about

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


A27 Money is something....
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

You discuss openly with friends/family

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

3418

154

380

272

301

241

306

301

464

434

165

312

88

2128

444

109

736

3438

67%Q

73%ADFG

67%

64%

68%

66%

65%

70%

67%

66%

67%

72%ADFG

62%

69%AOQ

64%

66%

64%

68%

1661

56

185

151

144

125

164

132

229

219

82

121

53

948

247

56

411

1641

33%BLN

27%

33%

36%BL

32%

34%BL

35%BL

30%

33%

34%

33%

28%

38%

31%

36%N

34%

36%AN

32%

You are uncomfortable talking about

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Unweigh
ted total

Internet usage

Money Advice Service - Financial Capability Tracker Survey - FINAL


A27 Money is something....
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

You discuss openly with friends/family

You are uncomfortable talking about

Don't know/no answer

3418

1993

101

32

88

34

163

3438

67%EH

67%EH

69%E

79%EFH

56%

57%

61%

60%

68%

1661

966

46

70

25

110

1641

33%

33%

31%

21%

44%ABCD

43%D

39%

40%ABD

32%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A29 You get a demand for a 300 unpaid bill.
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

You have savings that would cover this

3034

1527

1507

305

394

422

499

1415

1740

1295

1419

187

215

88

24

27

3065

60%CDEFGJ

62%AC

58%

51%

45%

48%

55%EF

77%ADEFG

69%AJ

51%

60%

61%

70%AKL

74%AKL

89%

83%AKL

60%

2045

941

1103

297

473

449

404

422

790

1254

939

118

92

30

2014

40%BHIMNP

38%

42%AB

49%AH

55%AGH

52%AGH

45%AH

23%

31%

49%AI

40%MNP

39%MNP

30%

26%

11%

17%

40%

You would have to think how you would


pay

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A29 You get a demand for a 300 unpaid bill.
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

You have savings that would cover this

3034

1250

539

1237

487

2465

1741

1293

492

2543

220

374

350

2015

655

2140

3065

60%BCEHIK

58%C

39%

81%ABC

52%

62%AE

64%AHI

54%I

46%

64%AHI

51%LM

38%

42%

75%AKLM

40%

71%AO

60%

LMO
You would have to think how you would
pay

2045

916

834

283

456

1495

959

1086

584

1461

215

602

478

675

995

858

2014

40%DFGJNP

42%AD

61%ABD

19%

48%AF

38%

36%

46%AGJ

54%AGHJ

36%

49%AN

62%AKN

58%AKN

25%

60%AP

29%

40%

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


A29 You get a demand for a 300 unpaid bill.
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

You have savings that would cover this

You would have to think how you would


pay

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

3034

125

318

261

283

231

277

272

440

361

137

247

83

1771

425

96

742

3065

60%JN

59%

56%

62%J

64%CJK

63%CJK

59%

63%CJ

63%ACJKL

55%

55%

57%

59%

58%

62%

58%

65%AN

60%

2045

86

246

162

162

135

193

161

254

292

111

185

58

1305

266

69

405

2014

40%IQ

41%

44%EFHI

38%

36%

37%

41%

37%

37%

45%ADEFH

45%EFI

43%I

41%

42%AQ

38%

42%

35%

40%

I
Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


A29 You get a demand for a 300 unpaid bill.
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

You have savings that would cover this

You would have to think how you would


pay

Don't know/no answer

3034

1909

84

18

83

29

136

3065

60%H

65%ADEFH

57%

45%

52%

48%

42%

50%

60%

2045

1051

63

22

75

31

137

2014

40%B

35%

43%

55%B

48%B

52%B

58%

50%AB

40%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A31 Someone asks you if you'd like to go out but you can't really afford it.
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

4227

2008

2219

478

724

745

782

1498

2085

2141

1951

249

257

100

23

24

4240

83%BDH

81%

85%AB

79%

84%

86%ADH

87%ADH

82%

82%

84%

83%

82%

83%

85%

86%

75%

83%

You decline, suggesting something cheaper


on a different date

You go out anyway

852

460

392

124

142

126

121

339

445

408

408

56

51

18

839

17%CFG

19%AC

15%

21%AFG

16%

14%

13%

18%AFG

18%

16%

17%

18%

17%

15%

14%

25%

17%

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A31 Someone asks you if you'd like to go out but you can't really afford it.
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

You decline, suggesting something cheaper


on a different date

4227

1818

1170

1223

819

3263

2303

1924

928

3299

343

840

694

2233

1412

2459

4240

83%DFHJKP

84%D

85%AD

80%

87%AF

82%

85%AHJ

81%

86%AHJ

82%H

79%

86%AKN

84%K

83%K

86%AP

82%

83%

You go out anyway

852

348

203

297

125

697

397

455

147

705

93

136

134

457

239

539

839

17%CEGILO

16%

15%

20%ABC

13%

18%AE

15%

19%AGIJ

14%

18%AGI

21%ALMN

14%

16%

17%L

14%

18%AO

17%

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


A31 Someone asks you if you'd like to go out but you can't really afford it.
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

You decline, suggesting something cheaper


on a different date

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

4227

179

476

351

376

311

397

345

551

542

205

375

120

2604

602

139

881

4240

83%HIQ

85%

84%I

83%

84%I

85%HI

84%I

80%

79%

83%

83%

87%AHI

85%

85%AQ

87%AQ

84%Q

77%

83%

You go out anyway

852

31

89

73

69

54

73

88

142

112

42

58

21

472

89

26

265

839

17%LNO

15%

16%

17%

16%

15%

16%

20%AFL

21%ACEFG

17%

17%

13%

15%

15%

13%

16%

23%ANOP

17%

L
Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


A31 Someone asks you if you'd like to go out but you can't really afford it.
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

You decline, suggesting something cheaper


on a different date

You go out anyway

Don't know/no answer

4227

2482

127

34

121

50

11

216

4240

83%E

84%E

87%E

85%

77%

84%

71%

79%

83%

852

478

20

37

10

57

839

17%

16%

13%

15%

23%ABC

16%

29%

21%

17%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A32 Someone offers you 200 now or 400 in two months.
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

You take the 400 in two months

4011

1968

2042

514

711

750

734

1302

2164

1846

1759

264

277

113

23

30

4014

79%HJK

80%

78%

85%AH

82%AH

86%AEGH

81%H

71%

86%AJ

72%

75%

86%AK

90%AK

96%AKL

87%

94%AK

79%

1068

500

568

89

156

120

169

535

366

703

600

41

31

1065

21%DEFILM

20%

22%

15%

18%F

14%

19%F

29%ADEFG

14%

28%AI

25%ALMNP

14%N

10%

4%

13%

6%

21%

You take the 200 now

NP
Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A32 Someone offers you 200 now or 400 in two months.
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

You take the 400 in two months

4011

1846

1062

1094

704

3185

2210

1800

885

3125

366

648

680

2221

1245

2477

4014

79%DEHJLO

85%ACD

77%D

72%

75%

80%AE

82%AHJ

76%

82%AHJ

78%H

84%AL

66%

82%AL

83%AL

75%

83%AO

79%

1068

320

311

425

239

775

490

579

190

878

70

328

148

469

405

522

1065

21%BFGIKM

15%

23%B

28%ABC

25%AF

20%

18%

24%AGIJ

18%

22%AGI

16%

34%AKMN

18%

17%

25%AP

17%

21%

You take the 200 now

NP
Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


A32 Someone offers you 200 now or 400 in two months.
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

You take the 400 in two months

4011

157

415

357

79%CJQ

75%

73%

84%ABCEF

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

350

282

405

359

566

476

187

333

124

2681

583

131

616

4014

79%J

77%

86%ABCEF

83%ABCFJ

82%BCJK

73%

76%

77%

88%BCFJK

87%AOPQ

84%AQ

79%Q

54%

79%

JKL

KL

JKL
You take the 200 now

Unweigh
ted total

Internet usage
2 to 5 times a Once a week
week (P)
or less (Q)

1068

53

150

67

95

83

65

74

127

178

60

99

16

395

108

34

531

1065

21%DGHNO

25%DGHIM

27%ADGHIM

16%

21%DG

23%DGHM

14%

17%

18%

27%ADEGH

24%DGHIM

23%DGHM

12%

13%

16%N

21%N

46%ANOP

21%

IM
Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


A32 Someone offers you 200 now or 400 in two months.
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

You take the 400 in two months

4011

2276

120

27

100

29

11

167

4014

79%BEFH

77%EFH

82%EFH

67%

63%

48%

74%

61%F

79%

1068

684

27

13

58

31

105

1065

21%

23%A

18%

33%

37%ABC

52%ABCH

26%

39%ABC

21%

You take the 200 now

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A33 Thinking about your current finances, you feel....
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Comfortable

2626

1330

1295

282

374

344

371

1254

1477

1149

1222

156

177

74

21

23

2649

52%CDEFGJ

54%AC

50%

47%FG

43%

40%

41%

68%ADEFG

58%AJ

45%

52%

51%

57%A

63%AKL

78%

71%AKL

52%

2453

1138

1315

320

492

527

532

583

1053

1400

1136

149

131

44

2430

48%BHIMNP

46%

50%AB

53%AH

57%AH

60%ADH

59%ADH

32%

42%

55%AI

48%NP

49%NP

43%

37%

22%

29%

48%

Concerned

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A33 Thinking about your current finances, you feel....
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Comfortable

2626

1051

462

1102

418

2133

1462

1163

433

2192

204

388

290

1671

592

1806

2649

52%BCEHIK

49%C

34%

73%ABC

44%

54%AE

54%AHI

49%I

40%

55%AHI

47%LM

40%M

35%

62%AKLM

36%

60%AO

52%

2453

1115

911

417

525

1827

1237

1216

642

1811

232

589

538

1019

1058

1192

2430

48%DFGJNP

51%AD

66%ABD

27%

56%AF

46%

46%

51%AGJ

60%AGHJ

45%

53%AN

60%AKN

65%AKLN

38%

64%AP

40%

48%

LMO
Concerned

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


A33 Thinking about your current finances, you feel....
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

Comfortable

2626

117

287

217

52%GJN

56%GJ

51%J

2453

93

278

48%ILQ

44%

Concerned

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

246

190

214

229

388

294

135

244

64

1438

349

73

765

2649

51%

55%GJ

52%J

46%

53%GJ

56%AGJ

45%

55%GJ

56%AGJ

45%

47%

51%

45%

67%ANOP

52%

207

199

176

256

204

305

359

112

188

77

1639

342

91

381

2430

49%

49%

45%

48%

54%ABEHI

47%

44%

55%ABCEF

45%

44%

55%

53%AQ

49%Q

55%Q

33%

48%

KL
Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Unweigh
ted total

Internet usage
2 to 5 times a Once a week
week (P)
or less (Q)

HIKL

Money Advice Service - Financial Capability Tracker Survey - FINAL


A33 Thinking about your current finances, you feel....
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

Comfortable

2626

1670

66

15

78

21

120

2649

52%FH

56%ACDFH

45%

39%

49%H

36%

31%

44%

52%

2453

1290

81

24

80

38

10

153

2430

48%B

44%

55%B

61%B

51%

64%AB

69%

56%ABE

48%

Concerned

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A35 The best age to start paying into a pension is....
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

In your twenties

4665

2285

2380

524

747

801

859

1736

2389

2276

2147

290

292

118

27

29

4693

92%DEJ

93%

91%

87%

86%

92%DE

95%ADEF

94%ADEF

94%AJ

89%

91%

95%K

95%AK

100%AKLMP

100%

90%

92%

414

183

231

78

120

70

44

101

141

273

212

16

16

386

8%GHIMN

7%

9%

13%AFGH

14%AFGH

8%GH

5%

6%

6%

11%AI

9%LMN

5%N

5%N

10%N

8%

In your fifties

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A35 The best age to start paying into a pension is....
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

In your twenties

4665

2025

1192

1435

871

3653

2517

2148

970

3695

397

863

737

2555

1473

2833

4693

92%CHILMO

93%AC

87%

94%AC

92%

92%

93%AHIJ

90%

90%

92%AHI

91%

88%

89%

95%AKLM

89%

94%AO

92%

414

141

181

84

72

307

183

231

105

309

39

113

90

135

177

166

386

8%BDGJNP

7%

13%ABD

6%

8%

8%

7%

10%AGJ

10%AGJ

8%G

9%N

12%AN

11%AN

5%

11%AP

6%

8%

In your fifties

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


A35 The best age to start paying into a pension is....
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

In your twenties

4665

197

517

397

92%EJQ

93%EJ

92%J

414

14

48

8%INO

7%

In your fifties

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

392

341

437

404

656

552

233

405

134

2882

649

150

984

4693

94%EJ

88%

93%EJ

93%EJ

93%EJ

95%ACEJ

84%

94%EJ

94%EJ

95%J

94%AQ

94%AQ

91%

86%

92%

26

53

24

32

29

37

102

14

28

194

42

15

163

386

8%I

6%

12%ABDFGH

7%

7%

7%

5%

16%ABCDFG

6%

6%

5%

6%

6%

9%

14%ANO

8%

IKL
Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Unweigh
ted total

Internet usage
2 to 5 times a Once a week
week (P)
or less (Q)

HIKLM

Money Advice Service - Financial Capability Tracker Survey - FINAL


A35 The best age to start paying into a pension is....
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

In your twenties

4665

2793

130

36

101

43

11

190

4693

92%EFH

94%ACEFH

88%EFH

90%EFH

64%

72%

72%

70%E

92%

414

166

17

58

16

82

386

8%B

6%

12%B

10%

36%ABCDH

28%ABCD

28%

30%ABCD

8%

In your fifties

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A36 When buying Christmas presents, you....
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Set a budget and stick to it

3957

1879

2078

467

661

690

743

1396

1950

2007

1861

218

254

82

11

24

3970

78%BHLN

76%

80%AB

78%

76%

79%

82%ADEH

76%

77%

79%

79%LN

71%

82%LN

70%

40%

73%

78%

1122

589

533

135

205

181

160

441

580

542

498

87

54

36

16

1109

22%CG

24%AC

20%

22%G

24%G

21%

18%

24%AG

23%

21%

21%

29%AKM

18%

30%AKM

60%

27%

22%

Don't worry about what you spend

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A36 When buying Christmas presents, you....
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Set a budget and stick to it

3957

1687

1113

1144

733

3078

2122

1835

859

3098

345

778

653

2071

1325

2292

3970

78%DP

78%

81%ABD

75%

78%

78%

79%

77%

80%

77%

79%

80%

79%

77%

80%AP

76%

78%

1122

479

260

376

210

882

578

544

216

905

91

198

175

619

325

707

1109

22%CO

22%C

19%

25%AC

22%

22%

21%

23%

20%

23%

21%

20%

21%

23%

20%

24%AO

22%

Don't worry about what you spend

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


A36 When buying Christmas presents, you....
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

Set a budget and stick to it

3957

163

455

323

78%Q

77%

81%J

1122

47

110

22%LO

23%

Don't worry about what you spend

Don't know/no answer

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

342

290

365

334

533

494

194

353

111

2418

573

132

833

3970

76%

77%

79%

78%

77%

77%

76%

79%

82%AJ

79%

79%Q

83%ANQ

80%Q

73%

78%

100

103

76

105

99

160

160

53

79

30

658

118

33

313

1109

19%

24%

23%

21%

22%

23%

23%

24%CL

21%

18%

21%

21%O

17%

20%

27%ANOP

22%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Unweigh
ted total

Internet usage
2 to 5 times a Once a week
week (P)
or less (Q)

Money Advice Service - Financial Capability Tracker Survey - FINAL


A36 When buying Christmas presents, you....
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

Set a budget and stick to it

3957

2300

112

32

117

43

14

206

3970

78%

78%

76%

81%

74%

73%

93%

76%

78%

Don't worry about what you spend

1122

660

35

42

16

66

1109

22%

22%

24%

19%

26%

27%

7%

24%

22%

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A37 Before you go to the shops you....
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Write a list of what you want

3124

1388

1735

309

483

520

546

1266

1649

1475

1492

174

189

74

19

19

3136

62%BDEJ

56%

66%AB

51%

56%

60%D

60%D

69%ADEFG

65%AJ

58%

63%AL

57%

61%

63%

71%

59%

62%

Remember what you want in your head

1955

1080

875

293

383

351

357

571

881

1074

866

131

119

44

13

1943

38%CHIK

44%AC

34%

49%AFGH

44%AH

40%H

40%H

31%

35%

42%AI

37%

43%K

39%

37%

29%

41%

38%

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A37 Before you go to the shops you....
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Write a list of what you want

3124

1253

790

1068

610

2413

1797

1327

684

2440

201

571

464

1795

1019

1829

3136

62%BCHKLM

58%

58%

70%ABC

65%AF

61%

67%AHIJ

56%

64%H

61%H

46%

58%K

56%K

67%AKLM

62%

61%

62%

Remember what you want in your head

1955

913

583

451

334

1547

903

1052

392

1563

235

405

364

894

632

1169

1943

38%DEGN

42%AD

42%AD

30%

35%

39%E

33%

44%AGIJ

36%G

39%G

54%ALMN

42%AN

44%AN

33%

38%

39%

38%

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


A37 Before you go to the shops you....
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

Write a list of what you want

3124

113

340

263

62%BO

54%

60%

62%B

Remember what you want in your head

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

270

222

300

273

451

388

166

255

84

1883

401

107

732

3136

61%

61%

64%B

63%B

65%ABJL

59%

67%BJL

59%

60%

61%

58%

65%

64%O

62%

1955

97

225

161

175

144

170

160

242

265

82

178

57

1193

290

58

415

1943

38%I

46%ADGHI

40%

38%

39%

39%

36%

37%

35%

41%IK

33%

41%IK

40%

39%

42%AQ

35%

36%

38%

K
Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


A37 Before you go to the shops you....
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

Write a list of what you want

3124

1918

85

24

75

37

144

3136

62%EH

65%AEH

58%

59%

48%

62%

53%

53%

62%

Remember what you want in your head

Don't know/no answer

1955

1042

62

16

83

23

129

1943

38%B

35%

42%

41%

52%AB

38%

47%

47%AB

38%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A38 When it comes to managing your money....
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

You are confident

4064

2044

2020

435

622

651

712

1643

2120

1944

1866

243

259

101

25

26

4099

80%CDEFJ

83%AC

77%

72%

72%

75%

79%DEF

89%ADEFG

84%AJ

76%

79%

80%

84%K

85%

92%

81%

81%

1015

425

591

167

244

219

191

194

410

605

493

62

49

17

980

20%BHI

17%

23%AB

28%AGH

28%AGH

25%AGH

21%H

11%

16%

24%AI

21%M

20%

16%

15%

8%

19%

19%

You lack confidence

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A38 When it comes to managing your money....
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

You are confident

4064

1715

960

1374

727

3211

2207

1857

795

3269

303

737

586

2324

1222

2514

4099

80%CEHIKL

79%C

70%

90%ABC

77%

81%AE

82%AHI

78%I

74%

82%AHI

70%

75%KM

71%

86%AKLM

74%

84%AO

81%

1015

450

413

145

217

749

493

522

281

734

132

240

242

365

429

484

980

20%DFGJNP

21%D

30%ABD

10%

23%AF

19%

18%

22%AGJ

26%AGHJ

18%

30%ALN

25%AN

29%ALN

14%

26%AP

16%

19%

MO
You lack confidence

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


A38 When it comes to managing your money....
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

You are confident

4064

169

468

351

80%GN

80%

83%EGJ

1015

41

97

20%Q

20%

You lack confidence

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

345

287

358

355

564

506

203

355

103

2423

560

129

951

4099

83%GJ

77%

79%

76%

82%G

81%G

77%

82%

82%G

73%

79%

81%

78%

83%AN

81%

72

100

78

112

77

129

147

45

78

38

653

131

36

195

980

17%

17%

23%C

21%

24%ACDHI

18%

19%

23%CD

18%

18%

27%

21%AQ

19%

22%

17%

19%

L
Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


A38 When it comes to managing your money....
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

You are confident

4064

2464

118

28

114

38

11

192

4099

80%EFH

83%ADEFH

80%FH

71%

72%

64%

73%

70%

81%

1015

495

29

11

44

21

81

980

20%B

17%

20%

29%B

28%AB

36%ABC

27%

30%ABC

19%

You lack confidence

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A40 You want to renew an insurance policy. What do you do first?
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Find information on insurance brokers or


companies

4288

2132

2156

481

739

773

803

1492

2265

2023

1919

288

280

115

26

30

4317

84%CDHJK

86%AC

83%

80%

85%DH

89%ADEH

89%ADEH

81%

90%AJ

79%

81%

94%AK

91%AK

97%AKM

96%

94%

85%

791

336

455

121

127

97

100

345

265

526

440

17

28

762

16%BFGILM

14%

17%AB

20%AEFG

15%FG

11%

11%

19%AEFG

10%

21%AI

19%ALMN

6%

9%N

3%

4%

6%

15%

Get a recommendation from a friend

N
Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


A40 You want to renew an insurance policy. What do you do first?
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

4288

1934

1111

1235

758

3397

2419

1869

940

3348

369

746

681

2384

1331

2652

4317

84%CDEHJL

89%ACD

81%

81%

80%

86%AE

90%AHIJ

79%

87%AHJ

84%H

85%L

76%

82%L

89%AKLM

81%

88%AO

85%

Find information on insurance brokers or


companies

O
Get a recommendation from a friend

791

232

262

285

185

563

281

510

136

655

67

230

147

305

320

346

762

16%BFGINP

11%

19%AB

19%AB

20%AF

14%

10%

21%AGIJ

13%G

16%AGI

15%N

24%AKMN

18%N

11%

19%AP

12%

15%

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


A40 You want to renew an insurance policy. What do you do first?
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

Find information on insurance brokers or


companies

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

2 to 5 times a Once a week


week (P)
or less (Q)

4288

172

477

369

365

302

423

373

593

519

206

356

133

2772

629

151

736

4317

84%JQ

82%

84%J

87%EJ

82%

83%

90%ABCEF

86%J

86%J

79%

83%

82%

95%ABCEF

90%AQ

91%AQ

92%AQ

64%

85%

IJKL
Get a recommendation from a friend

Unweigh
ted total

Internet usage

HIJKL

791

38

88

55

80

63

47

59

100

135

42

77

304

63

14

411

762

16%GMNOP

18%GM

16%GM

13%

18%DGM

17%GM

10%

14%M

14%GM

21%ACDGH

17%GM

18%GM

5%

10%

9%

8%

36%ANOP

15%

IM
Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


A40 You want to renew an insurance policy. What do you do first?
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

Find information on insurance brokers or


companies

4288

2462

127

32

110

40

12

194

4317

84%BEFH

83%EFH

86%EFH

80%

70%

67%

79%

71%

85%

791

498

21

48

19

79

762

16%

17%A

14%

20%

30%ABC

33%ABC

21%

29%ABC

15%

Get a recommendation from a friend

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


H19 Have you heard of the Money Advice Service, the government agency set up to help people make the most of their money?
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Yes

2872

1425

1447

297

463

526

588

998

1556

1316

1240

209

220

79

23

18

2921

57%DHJK

58%

55%

49%

53%

60%ADEH

65%ADEFH

54%D

62%AJ

52%

53%

69%AK

72%AKP

67%AK

86%

55%

58%

1957

942

1015

268

363

297

269

760

870

1087

995

83

83

37

15

1911

39%FGILM

38%

39%

44%AFG

42%AFG

34%

30%

41%AFG

34%

43%AI

42%ALMN

27%

27%

32%

11%

45%LM

38%

250

101

149

38

40

48

45

79

104

146

124

13

247

5%BIM

4%

6%AB

6%

5%

6%

5%

4%

4%

6%AI

5%M

4%M

1%

1%

3%

5%

No

Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


H19 Have you heard of the Money Advice Service, the government agency set up to help people make the most of their money?
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Yes

2872

1336

729

805

558

2251

1625

1248

630

2242

249

547

452

1575

940

1786

2921

57%CDH

62%ACD

53%

53%

59%

57%

60%AHJ

52%

59%H

56%H

57%

56%

55%

59%A

57%

60%A

58%

1957

737

560

650

353

1526

946

1011

392

1565

164

381

336

998

633

1095

1911

39%BGNP

34%

41%B

43%AB

37%

39%

35%

42%AGIJ

36%

39%G

38%

39%

41%

37%

38%

37%

38%

No

Don't know

250

93

85

65

32

183

129

121

53

197

23

48

40

117

78

118

247

5%ENP

4%

6%ABD

4%

3%

5%

5%

5%

5%

5%

5%

5%

5%

4%

5%

4%

5%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


H19 Have you heard of the Money Advice Service, the government agency set up to help people make the most of their money?
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

Yes

2872

119

292

230

57%CEJQ

56%

52%

54%

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

231

225

293

250

403

340

137

255

98

1883

454

102

434

2921

52%

61%ACDEJ

62%ACDEJ

58%

58%CEJ

52%

55%

59%CEJ

70%ABCDE

61%AQ

66%ANQ

62%Q

38%

58%

JK
No

1957

84

257

178

191

128

143

168

251

261

100

157

39

1050

190

45

672

1911

39%GNOP

40%G

46%AFGHILM

42%FGM

43%FGILM

35%

30%

39%G

36%G

40%GM

40%G

36%

28%

34%O

28%

28%

59%ANOP

38%

250

16

15

24

13

34

15

38

52

10

21

144

47

17

41

247

5%CQ

4%

3%

4%

5%C

4%

7%ACDFH

4%

6%C

8%ABCDFH

4%

5%

3%

5%

7%ANQ

11%ANQ

4%

5%

Don't know

KL

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


H19 Have you heard of the Money Advice Service, the government agency set up to help people make the most of their money?
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

Yes

2872

1722

69

24

31

21

80

2921

57%CEFH

58%ACEFH

47%EH

61%EFH

19%

35%E

26%

29%E

58%

1957

1111

66

14

119

34

177

1911

39%

38%

45%

36%

75%ABCDFH

58%ABD

61%

65%ABCD

38%

250

126

12

16

247

5%B

4%

8%B

3%

6%

7%

14%

6%

5%

No

Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


H20 Which, if any, of the following methods have you used to contact the Money Advice Service?
Base: all those who have heard of the Money Advice Service

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

2921

1456

1465

281

410

520

556

1154

1579

1342

1262

202

214

78

23

18

2921

Weighted total

2872

1425

1447

297

463

526

588

998

1556

1316

1240

209

220

79*

23**

18**

2921

Through the Money Advice Service website

Through their telephone number

Through an arranged face-to-face


interview

I have not contacted the Money Advice


Service

Don't know/no answer

171

87

84

27

48

42

30

24

93

78

63

12

21

165

6%H

6%

6%

9%AGH

10%AGH

8%AH

5%H

2%

6%

6%

5%

6%

9%AK

11%K

19%

6%

44

18

25

15

16

28

24

42

2%HI

1%

2%

2%

3%AGH

1%

1%

1%

1%

2%AI

2%

2%

3%

1%

34

16

18

11

12

22

18

35

1%I

1%

1%

1%

1%

1%

1%

1%

1%

2%AI

1%

2%

1%

2641

1312

1329

263

400

474

548

956

1442

1199

1143

192

199

71

19

18

2696

92%DE

92%

92%

89%

86%

90%

93%DE

96%ADEFG

93%

91%

92%

92%

90%

89%

81%

100%

92%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


H20 Which, if any, of the following methods have you used to contact the Money Advice Service?
Base: all those who have heard of the Money Advice Service

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

2921

1295

717

906

581

2280

1671

1250

595

2326

232

568

441

1631

962

1818

2921

Weighted total

2872

1336

729

805

558

2251

1625

1248

630

2242

249

547

452

1575

940

1786

2921

Through the Money Advice Service website

Through their telephone number

Through an arranged face-to-face


interview

I have not contacted the Money Advice


Service

171

108

51

12

32

133

102

69

68

103

16

24

42

87

66

98

165

6%DJ

8%AD

7%D

1%

6%

6%

6%J

6%J

11%AGHJ

5%

7%

4%

9%ALN

6%

7%

5%

6%

44

22

17

34

22

22

12

32

10

19

22

20

42

2%DP

2%D

2%D

1%

1%

2%

1%

2%

2%

1%

2%

2%

2%

1%

2%AP

1%

1%

34

14

12

12

21

14

20

12

21

11

15

24

10

35

1%FJP

1%

2%

1%

2%AF

1%

1%

2%J

2%G

1%

1%

2%

1%

1%

3%AP

1%

1%

2641

1203

654

781

514

2074

1494

1147

547

2094

228

505

399

1463

839

1664

2696

92%BCIMO

90%

90%

97%ABC

92%

92%

92%I

92%I

87%

93%AGHI

91%

92%M

88%

93%AM

89%

93%AO

92%

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


H20 Which, if any, of the following methods have you used to contact the Money Advice Service?
Base: all those who have heard of the Money Advice Service

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

2921

134

328

222

230

Weighted total

2872

119

292

230

231

Through the Money Advice Service website

Through their telephone number

Through an arranged face-to-face


interview

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

263

259

261

417

328

147

282

50

1896

481

108

436

2921

225

293

250

403

340

137

255

98*

1883

454

102

434

2921

171

20

18

17

26

13

18

28

136

23

165

6%LQ

5%L

7%L

8%L

8%L

4%

9%AFIL

5%L

4%

8%FIL

5%

2%

4%

7%AQ

5%Q

4%

2%

6%

44

26

42

2%

1%

3%GI

3%AFGI

1%

1%

2%

1%

2%

1%

2%

2%

1%

2%

2%

2%

1%

34

18

19

35

1%

1%

1%

1%

1%

7%ABCDEF

1%

1%

3%O

2%

1%

GHIJKM
I have not contacted the Money Advice
Service

Don't know/no answer

2641

111

264

206

210

212

265

232

381

307

128

232

92

1717

422

94

408

2696

92%N

94%

90%

90%

91%

95%

90%

93%

95%ACDGJ

90%

94%

91%

93%

91%

93%

92%

94%N

92%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


H20 Which, if any, of the following methods have you used to contact the Money Advice Service?
Base: all those who have heard of the Money Advice Service

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

2921

1819

67

24

31

20

79

2921

Weighted total

2872

1722

69*

24**

31*

21**

4**

80*

2921

Through the Money Advice Service website

Through their telephone number

Through an arranged face-to-face


interview

I have not contacted the Money Advice


Service

171

75

11

165

6%B

4%

10%B

10%

17%AB

17%

14%AB

6%

44

23

42

2%

1%

2%

7%AB

5%

4%B

1%

34

21

35

1%

1%

3%

1%

2641

1610

59

22

23

16

65

2696

92%CEH

93%ACEH

85%

90%

76%

78%

100%

82%

92%

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


H20 Which, if any, of the following methods have you used to contact the Money Advice Service?
Base: all those who have contacted the Money Advice Service

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

225

112

113

32

54

52

38

49

109

116

94

16

21

225

Weighted total

231

113

118

33*

63*

52*

41*

42*

114

117

97*

17**

22**

8**

4**

-**

225

Through the Money Advice Service website

171

87

84

27

48

42

30

24

93

78

63

12

21

165

74%HJK

77%

71%

82%H

75%

80%H

74%

58%

81%AJ

67%

65%

72%

95%

100%

100%

73%

Through their telephone number

Through an arranged face-to-face


interview

I have not contacted the Money Advice


Service

Don't know/no answer

44

18

25

15

16

28

24

42

19%

16%

21%

18%

23%

15%

18%

19%

14%

24%

25%

29%

5%

25%

19%

34

16

18

11

12

22

18

35

15%

14%

15%

12%

7%

12%

21%

25%AE

10%

19%

19%

20%

16%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


H20 Which, if any, of the following methods have you used to contact the Money Advice Service?
Base: all those who have contacted the Money Advice Service

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

225

125

74

26

45

173

129

96

77

148

19

43

50

110

100

117

225

Weighted total

231

133

74*

24**

45*

178

131

100*

83*

148

21**

42*

53*

112

101*

121

225

Through the Money Advice Service website

Through their telephone number

171

108

51

12

32

133

102

69

68

103

16

24

42

87

66

98

165

74%LO

81%AC

69%

50%

72%

75%

78%J

69%

81%H

70%

77%

57%

80%L

78%L

65%

81%AO

73%

44

22

17

34

22

22

12

32

10

19

22

20

42

19%

16%

23%

21%

16%

19%

17%

22%

14%

21%

24%

25%

15%

17%

22%

17%

19%

34

14

12

12

21

14

20

12

21

11

15

24

10

35

15%FGP

11%

17%

29%

27%AF

12%

11%

20%

15%

15%

9%

26%AM

8%

14%

24%AP

8%

16%

Through an arranged face-to-face


interview

I have not contacted the Money Advice


Service

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


H20 Which, if any, of the following methods have you used to contact the Money Advice Service?
Base: all those who have contacted the Money Advice Service

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

225

30

22

20

Weighted total

231

7**

28**

24**

21**

Through the Money Advice Service website

Through their telephone number

Through an arranged face-to-face


interview

I have not contacted the Money Advice


Service

Don't know/no answer

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

14

24

18

22

30

25

161

30

26

225

12**

28**

18**

22**

33**

9**

23**

6**

166

32**

8**

25**

225

171

20

18

17

26

13

18

28

136

23

165

74%

87%

71%

77%

84%

71%

91%

71%

81%

86%

80%

19%

67%

82%A

74%

51%

29%

73%

44

26

42

19%N

13%

27%

33%

10%

14%

5%

29%

11%

17%

20%

22%

33%

16%

23%

22%

36%

19%

34

18

19

35

15%N

13%

16%

15%

4%

5%

8%

11%

78%

11%

10%

36%

35%

16%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


H20 Which, if any, of the following methods have you used to contact the Money Advice Service?
Base: all those who have contacted the Money Advice Service

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

225

114

10

13

225

Weighted total

231

112

11**

2**

7**

5**

-**

14**

225

Through the Money Advice Service website

Through their telephone number

Through an arranged face-to-face


interview

I have not contacted the Money Advice


Service

Don't know/no answer

171

75

11

165

74%B

67%

68%

100%

70%

77%

77%

73%

44

23

42

19%

21%

11%

30%

23%

23%

19%

34

21

35

15%

18%

21%

16%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C1a Here are some things that other people have said about managing money. Please indicate how strongly you agree or disagree with them.
I am very organised when it comes to managing my money day to day
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Strongly agree

1546

756

790

134

207

214

266

724

854

691

727

88

103

37

11

18

1569

30%DEFJ

31%

30%

22%

24%

25%

29%DEF

39%ADEFG

34%AJ

27%

31%

29%

34%

31%

42%

55%AKLMN

31%

1921

895

1026

231

332

310

359

689

983

938

910

132

119

53

12

1929

38%BP

36%

39%AB

38%

38%

36%

40%

38%

39%

37%

39%P

43%P

39%P

45%P

43%

19%

38%

855

449

407

128

172

185

155

215

391

464

347

43

43

11

839

17%CHIKN

18%AC

16%

21%AH

20%AH

21%AGH

17%H

12%

15%

18%AI

15%

14%

14%

9%

11%

16%

17%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

40,000 to
49,999 (O)

50,000+ (P)

514

251

263

76

109

113

95

121

212

302

243

32

37

13

501

10%HI

10%

10%

13%AH

13%AH

13%AH

10%H

7%

8%

12%AI

10%

11%

12%

11%

4%

3%

10%

211

101

109

28

44

47

25

67

78

133

108

11

211

4%GIM

4%

4%

5%G

5%G

5%GH

3%

4%

3%

5%AI

5%M

3%

2%

3%

7%

4%

32

16

16

21

12

21

24

30

1%

1%

1%

1%

1%AEFG

1%

1%A

1%

3466

1651

1815

365

539

524

625

1413

1837

1629

1636

219

222

90

23

24

3498

68%BDEFJ

67%

70%AB

61%

62%

60%

69%DEF

77%ADEFG

73%AJ

64%

69%

72%

72%

76%

85%

74%

69%

Don't know

Agree

Disagree

725

352

372

105

153

159

119

188

290

435

351

43

42

17

712

14%HI

14%

14%

17%AGH

18%AGH

18%AGH

13%H

10%

11%

17%AI

15%

14%

14%

14%

4%

10%

14%

2742

1298

1443

260

386

365

506

1225

1548

1194

1285

176

180

73

22

21

2786

54%DEFJ

53%

55%

43%

45%

42%

56%DEF

67%ADEFG

61%AJ

47%

54%

58%

58%

62%

81%

64%

55%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C1a Here are some things that other people have said about managing money. Please indicate how strongly you agree or disagree with them.
I am very organised when it comes to managing my money day to day
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Strongly agree

1546

613

308

623

300

1213

866

680

255

1291

90

220

195

994

424

994

1569

30%BCHIKL

28%C

22%

41%ABC

32%

31%

32%AHI

29%I

24%

32%AHI

21%

23%

24%

37%AKLM

26%

33%AO

31%

MO
Tend to agree

1921

835

516

566

336

1533

1047

874

428

1493

181

371

298

1029

612

1178

1929

38%

39%

38%

37%

36%

39%A

39%

37%

40%

37%

42%

38%

36%

38%

37%

39%A

38%

855

392

280

178

164

643

428

428

206

650

92

206

158

363

311

444

839

17%DFGJNP

18%D

20%AD

12%

17%

16%

16%

18%GJ

19%AGJ

16%

21%AN

21%AN

19%N

13%

19%AP

15%

17%

Neither agree nor disagree

Tend to disagree

514

246

183

84

90

405

269

245

138

376

49

112

125

218

199

277

501

10%DJNP

11%AD

13%AD

6%

10%

10%

10%

10%J

13%AGHJ

9%

11%N

11%N

15%ALN

8%

12%AP

9%

10%

Strongly disagree

211

79

79

53

47

153

83

128

49

162

23

60

46

77

98

97

211

4%GNP

4%

6%ABD

3%

5%

4%

3%

5%AGJ

5%G

4%G

5%N

6%AN

6%AN

3%

6%AP

3%

4%

32

16

13

25

32

30

1%BFGINP

1%B

1%AB

1%

1%AGI

1%AGI

1%

1%

1%

Don't know

Agree

3466

1447

823

1189

636

2747

1913

1554

683

2783

271

591

493

2023

1037

2172

3498

68%CHIKLM

67%C

60%

78%ABC

67%

69%A

71%AHI

65%

63%

70%AHI

62%

61%

60%

75%AKLM

63%

72%AO

69%

O
Disagree

725

325

262

137

138

558

352

373

187

538

73

172

172

295

296

375

712

14%DGJNP

15%D

19%ABD

9%

15%

14%

13%

16%AGJ

17%AGJ

13%

17%N

18%AN

21%AN

11%

18%AP

12%

14%

Net agree

2742

1123

561

1052

498

2189

1561

1181

496

2245

199

419

321

1728

740

1798

2786

54%BCHIKL

52%C

41%

69%ABC

53%

55%A

58%AHIJ

50%

46%

56%AHI

46%M

43%

39%

64%AKLM

45%

60%AO

55%

MO

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


C1a Here are some things that other people have said about managing money. Please indicate how strongly you agree or disagree with them.
I am very organised when it comes to managing my money day to day
Base: all respondents

Region
Yorkshire
and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

Strongly agree

1546

69

165

143

30%JO

33%

29%

1921

74

38%Q
855
17%Q

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

Agree

Disagree

Net agree

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

137

116

140

138

217

171

87

133

30

907

182

47

409

1569

34%JM

31%

32%

30%

32%J

31%J

26%

35%JM

31%

21%

29%

26%

28%

36%ANO

31%

217

167

163

138

161

166

270

260

93

158

55

1166

297

58

400

1929

35%

38%

39%

37%

38%

34%

38%

39%

40%

37%

37%

39%

38%

43%ANQ

35%

35%

38%

32

92

59

71

54

95

73

123

126

37

64

30

558

128

31

138

839

15%

16%

14%

16%

15%

20%DFL

17%

18%

19%D

15%

15%

21%

18%AQ

19%Q

19%Q

12%

17%

Northern Several times


Ireland (M)
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

514

20

66

37

48

36

55

37

49

71

22

50

24

325

60

17

112

501

10%I

9%

12%I

9%

11%I

10%

12%I

8%

7%

11%I

9%

12%I

17%DHI

11%

9%

10%

10%

10%

211

15

24

16

23

20

15

16

30

19

24

111

24

11

64

211

4%N

7%AGJK

4%

4%

5%

5%J

3%

4%

4%

3%

3%

6%J

2%

4%

3%

7%NO

6%ANO

4%

32

23

30

1%N

1%

1%

1%

1%

1%

1%

1%

1%

2%ANO

1%

3466

142

382

310

301

254

301

304

486

431

179

291

85

2073

479

105

809

3498

68%

68%

68%

73%AGJM

68%

70%

64%

70%

70%G

66%

73%G

67%

60%

67%

69%

64%

71%

69%

725

35

89

53

71

56

70

53

78

91

28

75

26

436

83

29

176

712

14%I

17%I

16%I

12%

16%I

15%

15%

12%

11%

14%

11%

17%DHIK

18%

14%

12%

17%

15%

14%

2742

108

293

257

229

198

230

251

408

341

151

216

59

1637

396

76

633

2786

54%GMP

51%

52%

61%ABCEG

51%

54%

49%

58%GLM

59%ABCEG

52%

61%ABCEG

50%

42%

53%

57%P

46%

55%P

55%

JLM

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Unweigh
ted total

Internet usage

JLM

JLM

Money Advice Service - Financial Capability Tracker Survey - FINAL


C1a Here are some things that other people have said about managing money. Please indicate how strongly you agree or disagree with them.
I am very organised when it comes to managing my money day to day
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Unweighted total

5079

3061

Weighted total

5079

2960

Strongly agree

1546

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

Agree

Disagree

Net agree

Mixed race
(D)

Asian (E)

141

39

153

147

40*

158

979

48

10

39

30%

33%AEH

33%

25%

1921

1159

53

38%

39%A

855

440

17%B

15%

Black (F)

Other (G)

BME (H)

54

15

261

5079

59*

15**

273

5079

13

68

1569

25%

22%

40%

25%

31%

16

61

21

101

1929

36%

40%

38%

35%

22%

37%

38%

26

24

12

46

839

18%

20%

15%

21%

12%

17%

17%

514

245

14

26

41

501

10%B

8%

10%

5%

17%AB

16%

25%

15%AB

10%

211

111

13

211

4%

4%

4%

8%

6%

2%

5%

4%

32

25

30

1%

1%A

2%

4%ABCE

1%

1%

3466

2138

101

26

100

34

10

169

3498

68%H

72%AEFH

69%

65%

63%

57%

62%

62%

69%

725

356

20

35

11

55

712

14%B

12%

13%

13%

22%AB

18%

25%

20%AB

14%

2742

1782

82

21

65

23

114

2786

54%EFH

60%AEFH

55%EH

52%

41%

39%

37%

42%

55%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C1b Here are some things that other people have said about managing money. Please indicate how strongly you agree or disagree with them.
I am more of a saver than a spender
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Strongly agree

911

428

483

121

144

133

130

382

506

404

433

44

55

29

12

906

18%FGJ

17%

18%

20%FG

17%

15%

14%

21%AEFG

20%AJ

16%

18%

15%

18%

25%L

20%

36%AKLM

18%

1387

688

699

158

222

208

222

577

725

662

681

84

89

31

14

1396

27%FGJ

28%

27%

26%

26%

24%

25%

31%ADEFG

29%AJ

26%

29%A

28%

29%

26%

54%

28%

27%

1451

712

739

150

222

240

290

549

711

740

631

91

71

25

1479

29%DKM

29%

28%

25%

26%

28%

32%ADEF

30%DE

28%

29%

27%

30%

23%

21%

22%

16%

29%

902

449

453

118

192

191

174

228

412

490

400

62

64

24

883

18%HI

18%

17%

20%H

22%AH

22%AH

19%H

12%

16%

19%AI

17%

20%

21%

20%

13%

17%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

40,000 to
49,999 (O)

50,000+ (P)

396

176

220

51

81

96

84

83

164

231

188

24

29

10

385

8%HI

7%

8%

9%H

9%H

11%AH

9%H

5%

6%

9%AI

8%

8%

10%

9%

4%

7%

8%

32

15

17

17

11

21

25

30

1%

1%

1%

1%

1%A

1%

1%A

1%

2298

1116

1182

279

366

342

352

959

1232

1066

1115

129

143

60

20

21

2302

45%FGJ

45%

45%

46%FG

42%

39%

39%

52%ADEFG

49%AJ

42%

47%A

42%

47%

51%

74%

64%AL

45%
1268

Don't know

Agree

Disagree

1298

625

673

169

273

286

258

312

577

721

588

85

94

34

26%HI

25%

26%

28%H

32%AH

33%AH

29%AH

17%

23%

28%AI

25%

28%

30%AK

29%

4%

20%

25%

999

491

508

110

93

55

94

648

655

345

527

43

50

26

19

14

1034

20%EFGJL

20%

19%

18%EFG

11%F

6%

10%F

35%ADEFG

26%AJ

14%

22%ALM

14%

16%

22%

71%

45%AKLMN

20%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C1b Here are some things that other people have said about managing money. Please indicate how strongly you agree or disagree with them.
I am more of a saver than a spender
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent
(J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Strongly agree

911

369

209

332

169

720

507

404

170

741

83

107

125

563

221

610

906

18%CILMO

17%

15%

22%ABC

18%

18%

19%I

17%

16%

19%AHI

19%L

11%

15%L

21%ALM

13%

20%AO

18%
1396

Tend to agree

1387

568

333

481

247

1111

774

613

259

1128

113

217

191

832

386

897

27%CHILMO

26%

24%

32%ABC

26%

28%A

29%AHI

26%

24%

28%AHI

26%

22%

23%

31%AKLM

23%

30%AO

27%

1451

573

409

463

279

1096

769

683

289

1162

107

319

233

736

499

800

1479

29%BFNP

26%

30%B

30%AB

30%

28%

28%

29%

27%

29%

24%

33%AKMN

28%

27%

30%P

27%

29%

902

467

260

174

149

729

470

432

251

652

91

194

181

424

340

504

883

18%DJNP

22%AD

19%D

11%

16%

18%A

17%

18%J

23%AGHJ

16%

21%N

20%N

22%AN

16%

21%AP

17%

17%

Neither agree nor disagree

Tend to disagree

Strongly disagree

396

184

155

57

95

293

171

225

105

290

40

133

92

128

196

179

385

8%DGJNP

9%D

11%ABD

4%

10%AF

7%

6%

9%AGJ

10%AGJ

7%G

9%N

14%AKN

11%AN

5%

12%AP

6%

8%

32

12

11

23

31

30

1%BFGINP

1%

1%B

1%

1%AGI

1%AGI

1%

1%

1%

1%

Don't know

Agree

2298

937

542

813

416

1831

1281

1016

429

1868

196

324

316

1395

607

1507

2302

45%BCHILM

43%C

39%

54%ABC

44%

46%A

47%AHI

43%

40%

47%AHI

45%LM

33%

38%L

52%AKLM

37%

50%AO

45%

1268

O
Disagree

1298

651

415

231

244

1022

641

657

356

942

131

327

272

552

536

683

26%DGJNP

30%AD

30%AD

15%

26%

26%

24%

28%AGJ

33%AGHJ

24%

30%AN

33%AN

33%AN

21%

32%AP

23%

25%

999

286

127

582

171

810

640

360

73

927

65

-3

44

843

71

823

1034

20%BCHIKL

13%C

9%

38%ABC

18%

20%A

24%AHI

15%I

7%

23%AHI

15%LM

5%L

31%AKLM

4%

27%AO

20%

Net agree

MO

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


C1b Here are some things that other people have said about managing money. Please indicate how strongly you agree or disagree with them.
I am more of a saver than a spender
Base: all respondents

Region

Total (A)

NorthWest
NorthEast (B)
(C)

Yorkshire
and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern Several times Once a day 2 to 5 times a Once a week


Ireland (M)
a day (N)
(O)
week (P)
or less (Q)

Unweighted total

5079

235

622

406

429

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

Weighted total

5079

210

565

423

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

Strongly agree

911

35

80

85

90

63

82

88

130

119

47

73

20

547

111

23

229

906

18%C

17%

14%

20%C

20%C

17%

17%

20%C

19%C

18%

19%

17%

14%

18%

16%

14%

20%O

18%
1396

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

Agree

Disagree

1387

52

174

118

113

99

107

115

196

188

66

121

37

789

208

52

338

27%GN

25%

31%AG

28%

25%

27%

23%

27%

28%G

29%G

26%

28%

27%

26%

30%N

32%

29%N

27%

1451

63

152

108

133

111

139

128

203

186

72

130

29

874

228

50

299

1479

29%Q

30%

27%

25%

30%

30%

30%

29%

29%

28%

29%

30%

21%

28%

33%ANQ

30%

26%

29%

902

41

108

74

72

63

98

70

111

112

47

72

35

585

113

28

177

883

18%Q

20%

19%

17%

16%

17%

21%I

16%

16%

17%

19%

17%

25%

19%AQ

16%

17%

15%

17%

396

17

48

36

36

31

41

29

48

41

14

35

20

273

29

12

82

385

8%O

8%

8%

9%

8%

8%

9%

7%

7%

6%

6%

8%

14%AHIJK

9%AO

4%

7%

7%O

8%

32

22

30

1%N

1%F

1%

1%

1%

1%

1%

1%F

1%

2%ANO

1%
2302

2298

87

254

203

203

161

189

203

326

308

112

194

57

1336

319

76

567

45%GN

41%

45%

48%G

46%

44%

40%

47%

47%G

47%G

45%

45%

40%

43%

46%

46%

49%AN

45%

1298

58

156

110

108

93

139

99

159

153

61

107

55

858

142

40

259

1268

26%OQ

28%

28%

26%

24%

26%

30%HIJ

23%

23%

23%

25%

25%

39%ACDEF

28%AOQ

21%

24%

23%

25%

HIJKL
Net agree

999

28

98

93

95

68

50

104

167

155

51

88

479

177

36

308

1034

20%BGMN

14%M

17%GM

22%BGM

21%BGM

19%GM

11%M

24%ABCGM

24%ABCFG

24%ABCGM

21%BGM

20%BGM

1%

16%

26%AN

22%N

27%AN

20%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


C1b Here are some things that other people have said about managing money. Please indicate how strongly you agree or disagree with them.
I am more of a saver than a spender
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Unweighted total

Asian (E)

5079

3061

Weighted total

5079

2960

141

39

153

147

40*

158

Strongly agree

911

526

26

42

18%

18%

18%

13%

Tend to agree

1387

860

41

27%

29%A

Neither agree nor disagree

1451

850

29%
902

Tend to disagree

Strongly disagree

Don't know

Agree

Disagree

Black (F)

Other (G)

BME (H)

54

15

261

5079

59*

15**

273

5079

11

62

906

27%AB

19%

20%

23%AB

18%

18

51

14

88

1396

28%

45%ABF

33%

24%

29%

32%

27%

44

38

20

72

1479

29%

30%

24%

24%

34%

31%

27%

29%

483

28

19

10

34

883

18%BH

16%

19%

8%

12%

16%

8%

12%

17%

396

221

13

385

8%

7%

5%

10%

4%

3%

5%

8%

32

20

30

1%

1%

4%ABCE

12%

1%

1%

2298

1385

67

23

94

26

150

2302

45%

47%A

46%

58%

59%ABCF

43%

49%

55%AB

45%
1268

1298

704

36

26

12

46

26%BEH

24%EH

24%

19%

17%

20%

8%

17%

25%

999

681

32

16

67

14

103

1034

20%

23%A

22%

39%ABC

43%ABCF

24%

42%

38%ABCF

20%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C1c Here are some things that other people have said about managing money. Please indicate how strongly you agree or disagree with them.
I often use a credit card or store card for everyday purchases
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Strongly agree

683

384

299

30

98

139

137

280

474

210

245

63

72

42

13

14

708

13%CDJK

16%AC

11%

5%

11%D

16%ADE

15%DE

15%ADE

19%AJ

8%

10%

21%AK

23%AK

36%AKLM

49%

42%AKLM

14%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

50,000+ (P)

775

401

374

56

132

138

152

296

448

327

327

62

63

20

777

15%DJK

16%

14%

9%

15%D

16%D

17%D

16%D

18%AJ

13%

14%

20%AK

20%AK

17%

14%

12%

15%

584

314

270

79

120

100

92

194

274

311

250

26

28

571

12%C

13%AC

10%

13%

14%AGH

11%

10%

11%

11%

12%

11%

9%

9%

6%

3%

6%

11%

791

392

399

88

136

138

141

288

375

415

355

45

50

16

793

16%

16%

15%

15%

16%

16%

16%

16%

15%

16%

15%

15%

16%

14%

12%

27%

16%

2196

952

1245

342

378

350

371

755

944

1253

1142

109

92

33

2183

43%BFHILM

39%

48%AB

57%AEFGH

44%

40%

41%

41%

37%

49%AI

48%ALMNP

36%P

30%P

28%

22%

12%

43%

NP
Don't know

Agree

50

25

24

24

16

34

40

47

1%I

1%

1%

1%

1%

1%

1%E

1%

1%AI

2%AL

1%

1%
1485

1458

785

673

87

230

277

288

576

921

537

572

125

135

62

17

18

29%CDJK

32%AC

26%

14%

27%D

32%ADE

32%ADE

31%ADE

36%AJ

21%

24%

41%AK

44%AK

52%AKL

63%

54%AK

29%

2987

1344

1643

430

514

488

513

1043

1319

1668

1497

155

142

49

13

2976

59%BHILMN

54%

63%AB

71%AEFGH

59%

56%

57%

57%

52%

65%AI

63%ALMNP

51%

46%

42%

33%

40%

59%

Disagree

P
Net agree

-1529

-558

-971

-343

-284

-211

-224

-466

-398

-1131

-925

-30

-8

13

-1491

-30%

-23%

-37%

-57%

-33%

-24%

-25%

-25%

-16%

-44%

-39%

-10%

-3%

11%M

30%

15%

-29%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C1c Here are some things that other people have said about managing money. Please indicate how strongly you agree or disagree with them.
I often use a credit card or store card for everyday purchases
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent
(J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Strongly agree

683

331

112

240

96

578

454

229

139

544

29

58

76

508

132

522

708

13%CEHKLM

15%AC

8%

16%AC

10%

15%AE

17%AHIJ

10%

13%H

14%H

7%

6%

9%L

19%AKLM

8%

17%AO

14%

O
Tend to agree

775

381

136

258

119

633

475

300

162

613

51

90

110

502

211

519

777

15%CEHKLO

18%AC

10%

17%AC

13%

16%AE

18%AHIJ

13%

15%H

15%H

12%

9%

13%L

19%AKLM

13%

17%AO

15%

Neither agree nor disagree

Tend to disagree

Strongly disagree

584

252

165

161

93

446

314

271

135

449

55

116

101

284

181

319

571

12%NP

12%

12%

11%

10%

11%

12%

11%

13%

11%

13%

12%

12%

11%

11%

11%

11%

791

364

195

229

132

636

439

352

181

610

57

160

128

425

260

463

793

16%

17%AC

14%

15%

14%

16%

16%

15%

17%

15%

13%

16%

15%

16%

16%

15%

16%

2196

831

750

614

494

1639

1000

1196

457

1739

242

541

400

958

853

1159

2183

43%BDFGNP

38%

55%ABD

40%

52%AF

41%

37%

50%AGIJ

42%G

43%G

55%AMN

55%AMN

48%AN

36%

52%AP

39%

43%

50

16

18

26

18

32

48

12

14

13

14

16

47

1%BFGINP

1%B

1%B

1%

1%

1%I

1%AGI

1%AGI

1%N

2%N

1%

1%

1%

Don't know

Agree

1458

713

248

497

215

1212

929

529

301

1157

80

147

186

1010

343

1041

1485

29%CEHKLM

33%AC

18%

33%AC

23%

31%AE

34%AHIJ

22%

28%H

29%H

18%

15%

22%L

38%AKLM

21%

35%AO

29%

2976

O
Disagree

2987

1194

945

843

626

2275

1439

1548

638

2349

299

701

527

1383

1113

1622

59%BDFGNP

55%

69%ABD

55%

66%AF

57%

53%

65%AGIJ

59%G

59%G

69%AN

72%AMN

64%AN

51%

67%AP

54%

59%

-1529

-482

-696

-346

-411

-1064

-510

-1019

-338

-1191

-219

-554

-341

-373

-770

-581

-1491

-30%

-22%

-51%

-23%

-44%

-27%

-19%

-43%

-31%

-30%

-50%

-57%

-41%

-14%

-47%

-19%

-29%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


C1c Here are some things that other people have said about managing money. Please indicate how strongly you agree or disagree with them.
I often use a credit card or store card for everyday purchases
Base: all respondents

Region
Yorkshire and
Humberside
West
East Midlands
(D)
Midlands (E)
(F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

Strongly agree

683

25

46

58

13%CLQ

12%

8%

14%C

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

418

406

441

705

620

257

365

470

433

693

653

247

47

54

78

60

115

99

11%

15%CL

17%ACEL

14%C

17%ACEL

15%CEL

2 to 5 times a Once a week


week (P)
or less (Q)

468

72

3074

723

173

1109

5079

433

141*

3076

691

165

1147

5079

32

44

25

499

92

25

67

708

13%C

10%

18%C

16%AQ

13%Q

15%Q

6%

14%

775

27

83

63

63

58

67

63

111

114

32

63

29

474

127

22

152

777

15%Q

13%

15%

15%

14%

16%

14%

15%

16%

18%

13%

14%

21%

15%

18%AQ

13%

13%

15%

584

19

68

43

63

39

47

50

73

92

29

37

24

360

72

22

131

571

12%L

9%

12%

10%

14%L

11%

10%

12%

10%

14%AL

12%

9%

17%L

12%

10%

14%

11%

11%

791

31

100

59

73

56

78

66

94

115

34

64

20

465

113

35

178

793

16%

15%

18%I

14%

16%

15%

17%

15%

14%

18%I

14%

15%

14%

15%

16%

21%AN

16%

16%

2196

105

261

196

193

154

196

190

296

226

117

221

42

1266

285

59

587

2183

43%JMNP

50%AGJM

46%JM

46%JM

43%JM

42%J

42%J

44%JM

43%JM

35%

47%JM

51%AEFGH

30%

41%

41%

36%

51%ANOP

43%

IJM
Don't know

Agree

50

13

32

47

1%N

1%

1%

1%

1%

2%

1%

1%

1%

1%

1%

1%

1%

3%ANO

1%

1458

52

129

122

110

112

145

124

226

213

64

107

55

973

219

47

219

1485

29%CLQ

25%

23%

29%C

25%

31%C

31%CEL

29%C

33%ABCEK

33%ABCEL

26%

25%

39%BCEKL

32%AQ

32%Q

28%Q

19%

29%

L
Disagree

2987

136

361

256

266

209

274

256

390

341

151

286

62

1731

398

94

764

2976

59%JMN

65%IJM

64%AFIJM

60%JM

60%JM

57%M

58%M

59%JM

56%

52%

61%JM

66%AFGHI

44%

56%

58%

57%

67%ANOP

59%

JM
Net agree

-1529

-85

-232

-134

-156

-98

-128

-132

-164

-127

-87

-179

-8

-758

-179

-47

-545

-1491

-30%

-40%

-41%

-32%

-35%

-27%

-27%

-31%

-24%

-19%

-35%

-41%

-5%

-25%

-26%

-29%

-48%

-29%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


C1c Here are some things that other people have said about managing money. Please indicate how strongly you agree or disagree with them.
I often use a credit card or store card for everyday purchases
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Unweighted total

5079

3061

Weighted total

5079

2960

Strongly agree

683

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

Agree

Disagree

Net agree

Mixed race
(D)

Asian (E)

141

39

153

147

40*

158

396

23

21

13%

13%

16%

18%

775

450

23

15%

15%

584

305

12%B

10%

Black (F)

Other (G)

BME (H)

54

15

261

5079

59*

15**

273

5079

35

708

13%

7%

14%

13%

14%

30

47

777

16%

14%

19%

15%

22%

17%

15%

21

27

13

47

571

14%

16%

17%AB

21%AB

8%

17%AB

11%

791

458

18

30

45

793

16%

15%

12%

11%

19%

15%

13%

17%

16%

2196

1321

62

15

45

22

88

2183

43%EH

45%AEH

42%E

38%

28%

36%

39%

32%

43%

50

30

11

47

1%

1%

1%

3%

4%AB

6%ABC

5%

4%AB

1%

1458

846

46

13

51

13

82

1485

29%

29%

31%

32%

32%

22%

35%

30%

29%
2976

2987

1779

79

20

75

31

133

59%EH

60%AEH

54%

49%

47%

52%

52%

49%

59%

-1529

-933

-33

-7

-24

-18

-3

-51

-1491

-30%

-32%

-22%

-18%

-15%

-30%

-17%

-19%

-29%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C1d Here are some things that other people have said about managing money. Please indicate how strongly you agree or disagree with them.
I tend to buy things even when I can't really afford them
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Strongly agree

164

74

90

22

42

34

21

45

71

93

82

10

11

159

3%H

3%

3%

4%

5%AGH

4%H

2%

2%

3%

4%

3%

3%

4%

2%

4%

7%

3%

668

305

363

113

177

138

104

135

333

334

300

50

52

20

652

13%H

12%

14%

19%AGH

20%AFGH

16%AGH

12%H

7%

13%

13%

13%

16%

17%

17%

8%

13%

13%

768

408

361

96

160

160

140

213

360

408

305

56

42

16

760

15%CHK

17%AC

14%

16%H

18%AH

18%AH

15%H

12%

14%

16%

13%

18%K

14%

14%

11%

7%

15%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

40,000 to
49,999 (O)

50,000+ (P)

1509

727

782

178

255

264

291

521

782

727

661

90

102

37

10

1512

30%K

29%

30%

30%

29%

30%

32%H

28%

31%

29%

28%

30%

33%

31%

37%

18%

30%

1938

937

1001

188

229

272

346

904

972

966

987

99

101

44

10

17

1966

38%DEFLM

38%

38%

31%

26%

31%E

38%DEF

49%ADEFG

38%

38%

42%ALM

32%

33%

37%

37%

53%LM

39%

32

18

14

20

12

20

23

30

1%G

1%

1%

1%

1%AG

1%

1%A

3%

3%LM

1%

Don't know

Agree

Disagree

832

379

453

136

219

172

125

179

404

428

382

61

63

22

811

16%GH

15%

17%

23%AGH

25%AFGH

20%AGH

14%H

10%

16%

17%

16%

20%

20%

18%

12%

20%

16%
3478

3447

1664

1783

366

484

536

637

1425

1754

1693

1648

189

202

80

20

23

68%DEFJL

67%

68%

61%

56%

62%E

71%DEF

78%ADEFG

69%AJ

66%

70%AL

62%

66%

68%

74%

71%

68%

-2616

-1286

-1330

-230

-265

-364

-511

-1246

-1350

-1265

-1266

-128

-139

-59

-17

-16

-2667

-52%

-52%

-51%

-38%

-31%

-42%

-57%

-68%

-53%

-50%

-54%

-42%

-45%

-50%

-63%

-51%

-53%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C1d Here are some things that other people have said about managing money. Please indicate how strongly you agree or disagree with them.
I tend to buy things even when I can't really afford them
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Strongly agree

164

74

55

35

38

120

85

79

58

106

20

39

29

71

77

79

159

3%DJNP

3%

4%D

2%

4%

3%

3%

3%J

5%AGHJ

3%

5%N

4%N

4%

3%

5%AP

3%

3%

668

360

208

98

105

545

328

339

178

490

82

145

140

289

236

392

652

13%DEGJN

17%AD

15%AD

6%

11%

14%AE

12%

14%AGJ

17%AGJ

12%

19%AN

15%N

17%AN

11%

14%

13%

13%

768

373

201

187

119

598

406

362

190

578

68

152

144

367

249

424

760

15%DEJNP

17%ACD

15%

12%

13%

15%

15%

15%

18%AGJ

14%

16%

16%

17%N

14%

15%

14%

15%
1512

Tend to agree

Neither agree nor disagree

Tend to disagree

1509

685

389

431

261

1215

829

681

329

1180

120

264

273

819

484

927

30%L

32%ACD

28%

28%

28%

31%A

31%

29%

31%

29%

28%

27%

33%AL

30%

29%

31%A

30%

1938

670

512

754

414

1471

1042

896

321

1617

143

370

239

1135

602

1163

1966

38%BFIKM

31%

37%B

50%ABC

44%AF

37%

39%I

38%I

30%

40%AGHI

33%

38%M

29%

42%AKLM

36%

39%

39%

32

15

11

10

22

32

10

13

30

1%BFGINO

1%AB

1%

1%AGI

1%AGI

1%

1%

Strongly disagree

Don't know

Agree

832

434

264

133

143

665

413

419

235

596

102

184

169

360

312

471

811

16%DGJN

20%AD

19%AD

9%

15%

17%

15%

18%AGJ

22%AGHJ

15%

24%AN

19%AN

20%AN

13%

19%AP

16%

16%

3447

1355

902

1185

675

2686

1871

1576

650

2797

263

634

511

1953

1086

2090

3478

68%BCHIKL

63%

66%

78%ABC

72%AF

68%

69%AHI

66%I

60%

70%AHI

60%

65%

62%

73%AKLM

66%

70%AO

68%

Disagree

MO
Net agree

-2616

-921

-638

-1052

-532

-2021

-1458

-1158

-415

-2201

-161

-450

-343

-1593

-774

-1620

-2667

-52%

-43%

-46%

-69%

-56%

-51%

-54%

-49%

-39%

-55%

-37%

-46%

-41%

-59%

-47%

-54%

-53%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


C1d Here are some things that other people have said about managing money. Please indicate how strongly you agree or disagree with them.
I tend to buy things even when I can't really afford them
Base: all respondents

Region
Yorkshire
and
Humberside
(D)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

Strongly agree

164

24

16

3%IO

2%

4%I

668

25

13%OQ
768
15%Q

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

Agree

Disagree

Net agree

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

418

406

441

705

620

257

365

470

433

693

653

247

17

11

13

15

13

24

4%

4%I

3%

3%

3%

2%

84

43

59

50

67

46

12%

15%DH

10%

13%

14%

14%

28

80

67

67

58

72

13%

14%

16%

15%

16%

15%

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

468

72

3074

723

173

1109

5079

433

141*

3076

691

165

1147

5079

13

10

93

12

53

159

4%I

5%BIL

2%

4%

3%

2%

4%

5%ANO

3%

88

92

33

53

28

455

72

24

116

652

11%

13%

14%

13%

12%

20%DH

15%AOQ

10%

15%

10%

13%

76

105

100

36

65

16

513

94

29

132

760

18%

15%

15%

15%

15%

12%

17%AOQ

14%

18%Q

12%

15%

1509

73

175

116

116

111

148

119

213

216

60

114

47

943

248

45

274

1512

30%Q

35%DEHKL

31%

27%

26%

30%

32%

27%

31%

33%EKL

24%

26%

33%

31%Q

36%ANPQ

27%

24%

30%

1938

79

200

180

183

136

168

174

272

214

102

188

43

1063

263

61

551

1966

38%JN

37%

35%

42%CJ

41%J

37%

36%

40%J

39%J

33%

41%J

43%ACGJM

31%

35%

38%

37%

48%ANOP

39%

32

20

30

1%N

1%

1%

1%

1%

1%F

1%F

1%

2%ANO

1%

832

28

108

59

76

60

80

61

101

116

46

63

34

548

84

30

170

811

16%O

13%

19%DHIL

14%

17%

17%

17%

14%

15%

18%

19%

14%

24%BDHIL

18%AOQ

12%

18%O

15%

16%
3478

3447

152

375

296

299

247

316

293

484

430

162

302

90

2006

511

105

825

68%N

72%

66%

70%

67%

68%

67%

68%

70%

66%

66%

70%

64%

65%

74%ANP

64%

72%ANP

68%

-2616

-124

-267

-237

-223

-187

-236

-232

-383

-314

-116

-240

-56

-1459

-427

-75

-655

-2667

-52%

-59%

-47%

-56%

-50%

-51%

-50%

-54%

-55%

-48%

-47%

-55%

-40%

-47%

-62%

-46%

-57%

-53%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

West
East
Midlands (E) Midlands (F)

Unweigh
ted total

Internet usage

Money Advice Service - Financial Capability Tracker Survey - FINAL


C1d Here are some things that other people have said about managing money. Please indicate how strongly you agree or disagree with them.
I tend to buy things even when I can't really afford them
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Unweighted total

5079

3061

Weighted total

5079

2960

Strongly agree

164

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

Agree

Disagree

Net agree

Mixed race
(D)

Asian (E)

141

39

153

147

40*

158

86

3%

3%

4%

6%

668

328

17

13%BF

11%

768

413

15%B

14%

Black (F)

Other (G)

BME (H)

54

15

261

5079

59*

15**

273

5079

10

159

4%

2%

4%

3%

32

44

652

12%

15%

20%ABCFH

4%

20%

16%BF

13%

19

31

11

49

760

13%

16%

20%B

18%

7%

18%

15%

1509

872

42

11

33

24

72

1512

30%E

29%E

29%

28%

21%

41%EH

25%

26%E

30%

1938

1237

63

14

54

20

95

1966

38%

42%AH

43%

36%

34%

34%

48%

35%

39%

32

24

30

1%

1%A

1%

1%

2%

1%

1%

832

414

22

39

54

811

16%BF

14%

15%

21%F

25%ABCFH

6%

20%

20%BF

16%
3478

3447

2109

105

25

86

44

11

167

68%EH

71%AEH

72%EH

63%

55%

74%EH

73%

61%E

68%

-2616

-1695

-83

-17

-47

-41

-8

-113

-2667

-52%

-57%

-57%

-42%

-30%

-69%

-53%

-41%

-53%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C1 Here are some things that other people have said about managing money. Please indicate how strongly you agree or disagree with them.
Summary table
Base: all respondents

I am very
organised
when it
I often use a
comes to
credit card or
managing my I am more of store card for
money day to a saver than
everyday
day
a spender
purchases

I tend to buy
things even
when I can't
really afford
them

Unweighted total

5079

5079

5079

5079

Weighted total

5079

5079

5079

5079

Strongly agree

1546

911

683

164

30%

18%

13%

3%

Tend to agree

1921

1387

775

668

38%

27%

15%

13%

855

1451

584

768

17%

29%

12%

15%

514

902

791

1509

10%

18%

16%

30%

211

396

2196

1938

4%

8%

43%

38%

32

32

50

32

1%

1%

1%

1%

3466

2298

1458

832

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

Agree

68%

45%

29%

16%

Disagree

725

1298

2987

3447

14%

26%

59%

68%

Net agree

2742

999

-1529

-2616

54%

20%

-30%

-52%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)

Money Advice Service - Financial Capability Tracker Survey - FINAL


C30 Do you keep track of your income and expenditure?
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Yes

4344

2092

2252

475

732

734

773

1630

2247

2096

1989

265

279

105

25

29

4368

86%DJK

85%

86%

79%

85%D

84%D

86%D

89%ADEFG

89%AJ

82%

84%

87%

91%AK

89%

92%

91%

86%

735

376

359

127

134

137

130

207

283

453

369

40

29

13

711

14%HIM

15%

14%

21%AEFGH

15%H

16%H

14%H

11%

11%

18%AI

16%AM

13%

9%

11%

8%

9%

14%

No

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C30 Do you keep track of your income and expenditure?
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Yes

4344

1887

1094

1351

810

3406

2359

1985

926

3418

346

792

692

2399

1381

2623

4368

86%CHKLO

87%AC

80%

89%AC

86%

86%

87%AHJ

83%

86%H

85%H

79%

81%

84%

89%AKLM

84%

87%AO

86%

735

279

279

169

133

554

341

394

150

585

90

184

135

291

270

376

711

14%BDGNP

13%

20%ABD

11%

14%

14%

13%

17%AGIJ

14%

15%G

21%AN

19%AN

16%N

11%

16%AP

13%

14%

No

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


C30 Do you keep track of your income and expenditure?
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

Yes

4344

185

484

372

86%EQ

88%E

86%E

735

25

80

14%N

12%

No

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

357

308

402

379

604

549

213

364

125

2686

607

146

904

4368

88%E

80%

84%

86%E

88%E

87%E

84%

86%

84%

89%

87%AQ

88%Q

89%Q

79%

86%

51

88

57

68

54

90

104

34

68

16

390

85

19

242

711

14%

12%

20%ABCDG

16%

14%

12%

13%

16%

14%

16%

11%

13%

12%

11%

21%ANOP

14%

HI
Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


C30 Do you keep track of your income and expenditure?
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

Yes

4344

2573

133

32

103

40

183

4368

86%EFH

87%AEFH

90%EFH

80%

65%

67%

57%

67%

86%

735

386

14

56

20

90

711

14%B

13%

10%

20%

35%ABC

33%ABC

43%

33%ABC

14%

No

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C31 How do you keep track of your income and expenditure?
Base: all those who keep track of their income and expenditure

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

4368

2109

2259

449

650

729

729

1811

2262

2106

1989

258

270

104

25

30

4368

Weighted total

4344

2092

2252

475

732

734

773

1630

2247

2096

1989

265

279

105*

25**

29**

4368

By checking my bank balance

3006

1424

1582

364

517

530

556

1040

1585

1421

1323

198

203

81

22

25

3038

69%HK

68%

70%

77%AEH

71%H

72%H

72%H

64%

71%

68%

67%

75%K

73%K

78%K

91%

84%

70%

2209

1035

1174

233

352

373

395

855

1240

969

965

138

155

59

18

21

2241

51%JK

49%

52%

49%

48%

51%

51%

52%

55%AJ

46%

49%

52%

55%K

56%

72%

70%

51%

989

473

517

147

200

158

194

292

522

467

467

53

66

28

967

23%H

23%

23%

31%AFGH

27%AFH

22%H

25%H

18%

23%

22%

23%

20%

24%

27%

24%

25%

22%

By reviewing my bank statements

In my head (mentally)

A spreadsheet

50,000+ (P)

768

418

350

76

180

148

158

206

570

199

272

64

108

36

771

18%CHJK

20%AC

16%

16%

25%ADH

20%H

20%AH

13%

25%AJ

9%

14%

24%AK

39%AKL

34%AK

31%

31%

18%

A piece of paper

An online budgeting tool

Computer program/ software package

Accounts/note book

A Money Advice Service online budgeting


tool

Other

Don't know

680

253

427

70

135

129

132

214

285

395

342

35

36

13

680

16%BHI

12%

19%AB

15%

18%AH

18%H

17%H

13%

13%

19%AI

17%A

13%

13%

12%

20%

11%

16%

179

103

76

23

42

34

30

49

112

67

69

18

16

181

4%CHJ

5%AC

3%

5%H

6%AH

5%H

4%

3%

5%AJ

3%

3%

7%AK

6%

7%

11%

6%

4%

35

26

13

11

28

36

1%CJK

1%AC

1%

2%ADEH

1%

1%AJ

1%

1%

5%AKLM

4%

7%

1%

34

25

12

12

10

17

17

36

1%BEK

1%AB

2%ADEH

2%ADEH

1%E

1%

1%

1%

1%

4%

1%

23

15

14

23

1%H

1%

1%H

1%AH

1%H

1%

1%

1%

1%

93

43

50

11

15

13

50

45

48

48

94

2%

2%

2%

1%

2%

2%

2%

3%ADEG

2%

2%

2%

2%

1%

2%

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C31 How do you keep track of your income and expenditure?
Base: all those who keep track of their income and expenditure

Work status

Disability

Relationship status

Home status

Benefit recipient

Unweigh
ted total

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

4368

1827

1069

1461

829

3416

2408

1960

877

3491

326

811

666

2452

1399

2644

4368

Weighted total

4344

1887

1094

1351

810

3406

2359

1985

926

3418

346

792

692

2399

1381

2623

4368

By checking my bank balance

3006

1377

757

866

539

2386

1672

1334

648

2357

269

498

500

1665

946

1852

3038

69%DHL

73%ACD

69%D

64%

67%

70%A

71%AHJ

67%

70%

69%H

78%ALN

63%

72%L

69%L

68%

71%A

70%

2209

979

504

722

388

1760

1278

930

454

1754

172

342

298

1349

652

1434

2241

51%CHLMO

52%C

46%

53%AC

48%

52%A

54%AHIJ

47%

49%

51%H

50%

43%

43%

56%AKLM

47%

55%AO

51%

989

463

288

233

196

762

490

499

200

790

106

189

185

488

330

582

967

23%DGN

25%AD

26%AD

17%

24%

22%

21%

25%AGIJ

22%

23%G

31%ALN

24%N

27%AN

20%

24%

22%

22%

By reviewing my bank statements

In my head (mentally)

A spreadsheet

768

430

158

180

112

646

507

261

199

569

50

62

137

509

174

570

771

18%CDEHJL

23%ACD

14%

13%

14%

19%AE

22%AHJ

13%

22%AHJ

17%H

15%L

8%

20%KL

21%AKL

13%

22%AO

18%

O
A piece of paper

680

282

231

165

139

517

373

307

185

495

48

174

115

328

285

330

680

16%DJNP

15%D

21%ABD

12%

17%

15%

16%J

15%

20%AGHJ

14%

14%

22%AKMN

17%

14%

21%AP

13%

16%

An online budgeting tool

Computer program/ software package

Accounts/note book

A Money Advice Service online budgeting


tool

Other

Don't know

179

103

30

45

26

147

122

57

59

120

13

20

42

98

53

117

181

4%CHJL

5%ACD

3%

3%

3%

4%

5%AHJ

3%

6%AHJ

4%H

4%

2%

6%ALN

4%L

4%

4%

4%

35

16

11

29

25

10

11

24

28

11

24

36

1%H

1%

1%

1%

1%

1%

1%J

1%

1%

1%

1%

1%A

1%

1%

1%

34

20

26

25

28

25

11

23

36

1%H

1%

1%

1%

1%

1%

1%AH

1%

1%H

1%

1%A

1%

1%

1%

23

14

15

11

12

14

11

10

13

23

1%DJ

1%D

1%

1%

1%

1%GJ

1%

1%

1%

1%

1%

93

27

23

43

32

58

41

53

16

77

23

16

44

34

49

94

2%BFG

1%

2%

3%AB

4%AF

2%

2%

3%AG

2%

2%G

2%

3%

2%

2%

2%

2%

2%

*AN

*P

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


C31 How do you keep track of your income and expenditure?
Base: all those who keep track of their income and expenditure

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

4368

208

535

358

348

Weighted total

4344

185

484

372

357

By checking my bank balance

3006

128

332

260

69%ELQ

69%

69%

70%L

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

354

349

390

617

525

222

308

402

379

604

549

213

228

222

293

275

412

378

64%

72%EL

73%EL

72%EL

68%

69%

2 to 5 times a Once a week


week (P)
or less (Q)

398

64

2696

639

155

878

4368

364

125*

2686

607

146

904

4368

143

229

105

1998

481

102

425

3038

67%

63%

84%ABCDE

74%AQ

79%ANPQ

70%Q

47%

70%

FIJKL
By reviewing my bank statements

In my head (mentally)

A spreadsheet

2209

82

239

193

176

170

217

202

311

275

105

169

69

1428

341

88

352

2241

51%BQ

44%

49%

52%

49%

55%BL

54%BL

53%B

52%

50%

50%

46%

56%

53%AQ

56%AQ

60%AQ

39%

51%

989

45

98

90

86

67

86

91

121

130

48

88

37

641

121

27

201

967

23%

24%

20%

24%

24%

22%

22%

24%

20%

24%

23%

24%

30%

24%AO

20%

19%

22%

22%

768

29

69

71

69

54

83

69

110

106

25

55

28

656

83

14

15

771

18%CKOPQ

15%

14%

19%K

19%K

17%

21%CK

18%K

18%K

19%CK

12%

15%

23%K

24%AOPQ

14%Q

10%Q

2%

18%

A piece of paper

An online budgeting tool

Computer program/ software package

Accounts/note book

A Money Advice Service online budgeting


tool

Other

Don't know

680

28

76

70

57

47

61

45

98

93

37

54

13

403

105

36

136

680

16%H

15%

16%

19%H

16%

15%

15%

12%

16%

17%H

17%

15%

11%

15%

17%

25%ANOQ

15%

16%

179

17

14

16

11

20

19

26

25

11

136

29

181

4%Q

4%

3%

4%

4%

4%

5%

5%

4%

4%

4%

3%

3%

5%AQ

5%Q

5%Q

1%

4%

35

32

36

1%Q

1%

1%

1%

1%

2%C

1%

1%

1%

2%C

1%AQ

1%Q

1%

34

24

36

1%Q

1%

1%

1%

2%

1%

1%

1%

2%

1%Q

1%Q

1%

23

16

23

1%

1%

1%AJ

1%

1%

1%

1%

1%

1%

93

10

13

12

50

14

25

94

2%

2%

2%

3%

1%

2%

2%

2%

2%

2%

3%

2%

1%

2%

2%

3%

3%

2%

*AN

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


C31 How do you keep track of your income and expenditure?
Base: all those who keep track of their income and expenditure

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

4368

2679

128

31

100

37

177

4368

Weighted total

4344

2573

133

32*

103*

40*

9**

183

4368

By checking my bank balance

3006

1713

92

21

45

27

100

3038

69%BEH

67%EH

70%EH

66%E

44%

69%E

78%

55%E

70%

2209

1319

73

12

41

13

70

2241

51%EFH

51%EFH

55%EFH

39%

40%

33%

38%

38%

51%

989

548

40

33

48

967

23%B

21%

30%AB

19%

32%AB

18%

24%

26%

22%

By reviewing my bank statements

In my head (mentally)

A spreadsheet

A piece of paper

An online budgeting tool

Computer program/ software package

Accounts/note book

A Money Advice Service online budgeting


tool

Other

Don't know

768

404

25

18

32

771

18%B

16%

19%

20%

18%

15%

14%

17%

18%

680

390

26

21

34

680

16%

15%

20%

18%

21%

18%

19%

16%

179

87

181

4%B

3%

1%

11%BCF

3%

10%

4%

4%

35

22

36

1%

1%

1%

4%

1%

1%

34

23

36

1%

1%

2%

3%

1%

1%

23

23

1%B

1%

3%AB

2%B

1%

93

67

94

2%

3%A

2%

1%

3%

1%

2%

1%AB

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C2 Which of the following do you have?
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

A current bank account in your name only

3922

1841

2081

550

724

715

675

1257

1992

1930

1785

252

258

87

17

24

3876

77%BHJK

75%

80%AB

91%AEFGH

84%AGH

82%AGH

75%H

68%

79%AJ

76%

76%

83%AK

84%AKN

74%

65%

76%

76%

2602

1195

1407

328

471

466

471

866

1561

1042

1142

200

212

82

17

22

2599

51%BHJK

48%

54%AB

54%H

54%H

53%H

52%H

47%

62%AJ

41%

48%

66%AK

69%AK

70%AK

64%

69%AK

51%

A savings account in your name only

A joint current account you share with


others

1492

779

713

54

247

277

283

631

900

592

591

94

128

62

13

15

1542

29%CDJK

32%AC

27%

9%

29%D

32%D

31%D

34%ADE

36%AJ

23%

25%

31%K

42%AKL

52%AKL

49%

46%AK

30%

788

415

374

33

106

139

160

351

505

283

303

52

77

35

11

10

824

16%CDEJK

17%AC

14%

5%

12%D

16%DE

18%DE

19%ADEF

20%AJ

11%

13%

17%

25%AKL

30%AKL

42%

32%AKL

16%

174

86

89

19

25

17

37

76

28

146

108

172

3%FILMN

3%

3%

3%

3%

2%

4%F

4%AF

1%

6%AI

5%ALMN

1%

3%

A joint savings account you share with


others

None of the above

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C2 Which of the following do you have?
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

A current bank account in your name only

3922

1811

1092

1009

721

3077

1754

2168

802

3120

408

752

709

1945

1285

2323

3876

77%DGIN

84%ACD

79%AD

66%

76%

78%

65%

91%AGIJ

75%G

78%AGI

94%ALMN

77%N

86%ALN

72%

78%

77%

76%

2602

1286

579

735

448

2100

1338

1265

513

2090

249

332

441

1526

711

1768

2599

51%CDEGIL

59%ACD

42%

48%C

47%

53%AE

50%

53%AGI

48%

52%AGI

57%AL

34%

53%L

57%AL

43%

59%AO

51%

1492

682

258

552

220

1243

1433

59

448

1044

16

149

162

1146

394

1021

1542

29%CEHJKL

31%AC

19%

36%ABC

23%

31%AE

53%AHIJ

2%

42%AHJ

26%H

4%

15%K

20%KL

43%AKLM

24%

34%AO

30%

788

366

113

309

99

674

750

38

221

567

15

62

59

642

183

575

824

16%CEHJKL

17%AC

8%

20%ABC

11%

17%AE

28%AHIJ

2%

21%AHJ

14%H

3%

6%K

7%K

24%AKLM

11%

19%AO

16%

174

24

86

56

40

107

61

113

19

156

77

21

43

82

41

172

3%BFGINP

1%

6%ABD

4%B

4%F

3%

2%

5%AGIJ

2%

4%AGI

2%

8%AKMN

3%

2%

5%AP

1%

3%

A savings account in your name only

O
A joint current account you share with
others

MO
A joint savings account you share with
others

MO
None of the above

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


C2 Which of the following do you have?
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

A current bank account in your name only

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

3922

150

433

340

326

266

351

332

555

537

188

328

116

2456

518

126

822

3876

77%BEFQ

71%

77%

80%BEF

73%

73%

75%

77%

80%ABEFG

82%ABCEF

76%

76%

82%

80%AOQ

75%

77%

72%

76%

GHKL
A savings account in your name only

2602

101

256

221

227

176

260

224

371

352

125

208

81

1789

373

89

351

2599

51%CQ

48%

45%

52%C

51%

48%

55%CFL

52%C

54%C

54%C

51%

48%

57%

58%AOQ

54%Q

54%Q

31%

51%

1492

66

138

128

118

130

176

136

214

157

68

110

50

1008

250

48

186

1542

29%CJLQ

32%CJ

24%

30%CJ

27%

36%ACEJK

38%ACDEI

32%CJL

31%CJL

24%

27%

25%

36%CJ

33%AQ

36%AQ

29%Q

16%

30%

JKL
80

824

A joint current account you share with


others

A joint savings account you share with


others

788

38

71

66

59

58

86

83

127

84

34

52

30

559

128

20

16%CLQ

18%CL

13%

16%

13%

16%

18%CEJL

19%ACEJL

18%ACEJL

13%

14%

12%

21%L

18%AQ

19%AQ

12%Q

7%

16%

174

11

23

27

14

14

30

14

20

33

131

172

3%GINO

5%DFGIM

4%DGI

2%

6%ADFGHI

2%

1%

3%

2%

5%DFGI

6%DFGIM

5%DFGIM

1%

1%

2%

11%ANOP

3%

None of the above

M
Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


C2 Which of the following do you have?
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

A current bank account in your name only

3922

2200

115

35

121

45

11

212

3876

77%B

74%

78%

88%

76%

76%

74%

78%

76%

2602

1473

90

15

57

18

98

2599

51%BEFH

50%EFH

62%ABDEFH

38%

36%

30%

52%

36%

51%

A savings account in your name only

A joint current account you share with


others

1492

912

45

33

47

1542

29%EFH

31%AEFH

30%FH

17%

21%

10%

7%

17%

30%

788

477

25

21

824

16%EH

16%EH

17%EH

13%

6%

10%

6%

8%

16%

174

120

19

30

172

3%

4%A

4%

3%

12%ABC

15%ABC

7%

11%ABC

3%

A joint savings account you share with


others

None of the above

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C4 How accurately do you know how much money you have at present to live on, excluding any savings?
Base: all those without current account

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

292

136

156

40

46

28

47

131

61

231

175

292

Weighted total

296

138

157

43*

50*

28**

49*

126

63*

232

180

2**

3**

-**

1**

-**

292

I know within a pound or two

46

17

29

11

10

12

10

36

26

47

16%H

12%

19%

17%

22%H

21%

21%H

9%

16%

15%

14%

16%

40

20

19

12

13

34

27

41

13%

15%

12%

10%

13%

14%

25%AH

10%

10%

15%

15%

34%

14%

I know within 10

I know within 50

I know within 100

I know within 500

I have no idea at all

Prefer not to say

Don't know

18

12

19

6%HK

7%

6%

17%AH

6%

7%

4%

3%

10%

5%

4%

100%

100%

7%

23

10

13

16

11

23

8%H

7%

8%

18%AGH

15%GH

7%

2%

4%

11%

7%

6%

36%

8%

11

11

4%CHK

6%

2%

2%

13%AGH

8%

2%

1%

7%

3%

2%

4%

48

23

25

11

22

43

26

47

16%I

17%

16%

15%

8%

18%

22%

17%

8%

18%

14%

30%

16%

67

33

33

34

17

50

49

63

23%

24%

21%

18%

18%

25%

17%

27%

27%

21%

27%A

22%

43

17

26

36

36

31

41

14%DE

12%

16%

3%

4%

6%

29%ADEG

11%

15%

17%

14%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C4 How accurately do you know how much money you have at present to live on, excluding any savings?
Base: all those without current account

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

292

51

134

97

80

181

103

189

38

254

23

123

39

79

140

92

292

Weighted total

296

52*

136

98*

79*

183

101*

195

40*

256

24**

119

41*

81*

136

96*

292

I know within a pound or two

46

30

14

28

15

31

38

25

27

16

47

16%DN

13%

22%AD

9%

18%

15%

15%

16%

19%

15%

30%

21%AN

20%N

4%

20%

17%

16%

40

21

12

15

24

13

26

32

23

28

41

13%NP

12%

16%

12%

19%

13%

13%

14%

19%

13%

26%

19%AN

12%

5%

21%AP

6%

14%

I know within 10

I know within 50

I know within 100

18

15

11

12

10

19

6%J

18%ACD

4%

3%

2%

8%

7%

6%

16%AGHJ

5%

13%

5%

10%

5%

6%

10%

7%

23

14

17

10

13

16

12

10

23

8%DJ

13%D

10%D

2%

5%

9%

10%

7%

16%HJ

6%

4%

7%

13%

7%

9%

10%

8%

11

11

4%O

14%ACD

3%

2%

5%

4%

4%

8%

3%

5%

1%

11%AL

2%

1%

7%O

4%

48

27

17

18

25

17

31

43

25

10

29

47

16%P

7%

20%B

17%

23%

14%

16%

16%

12%

17%

14%

21%

17%

12%

21%AP

7%

16%

67

11

24

23

43

25

42

64

12

31

10

21

63

23%EILMO

22%

18%

23%

8%

24%E

25%I

22%I

7%

25%AI

8%

10%

9%

38%ALM

7%

22%O

22%

43

10

32

18

23

10

33

42

17

21

19

21

41

14%BCI

7%

33%ABC

23%AF

12%

10%

17%I

3%

16%AGI

15%

8%

26%AM

14%

22%A

14%

I know within 500

I have no idea at all

Prefer not to say

Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C4 How accurately do you know how much money you have at present to live on, excluding any savings?
Base: all those without current account

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

292

18

45

13

40

Weighted total

296

17**

43*

14**

I know within a pound or two

46

16%Q

32%

17%

8%

40

13%JQ

13%

19%J

6%

I know within 10

I know within 50

I know within 100

I know within 500

I have no idea at all

Prefer not to say

Don't know

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

20

12

24

22

42

17

39

89

21

173

292

43*

17**

14**

25**

23**

45*

16**

37*

-**

90*

21**

8**

177

292

24

16

47

16%

15%

14%

25%

11%

29%

10%

26%AQ

23%

24%

9%

16%

17

18

41

5%

4%

36%

13%

14%

2%

29%

24%EJ

19%Q

10%

28%

10%

14%

18

19

6%Q

6%

2%

8%

3%

25%

7%

12%

5%

5%

7%

5%

8%Q

38%

2%

7%

23

15

23

8%Q

6%

9%

13%

8%

4%

9%

13%

7%

10%

5%

17%AQ

14%

22%

2%

8%

11

11

4%Q

2%

3%

5%

4%

7%

10%A

10%AQ

1%

4%

48

11

41

47

16%N

6%

20%

6%

14%

17%

9%

11%

19%

25%

16%

18%

5%

10%

13%

23%AN

16%

67

18

13

13

51

63

23%CN

18%

4%

34%

42%ACL

15%

16%

29%

19%

29%C

16%

18%C

15%

5%

13%

29%AN

22%

43

12

43

41

14%N

20%

27%A

25%

10%

30%

7%

5%

12%

10%

5%

11%

24%AN

14%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C4 How accurately do you know how much money you have at present to live on, excluding any savings?
Base: all those without current account

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

292

184

11

20

10

34

292

Weighted total

296

184

11**

1**

21**

11**

3**

36*

292

I know within a pound or two

46

34

47

16%

18%

6%

10%

6%

16%

40

29

41

13%

16%

5%

3%

14%

18

19

6%

5%

7%

I know within 10

I know within 50

I know within 100

I know within 500

I have no idea at all

Prefer not to say

Don't know

23

23

8%B

2%

18%

8%

11

11

4%B

2%

8%

10%

9%

9%B

4%

48

27

11

47

16%

14%

45%

100%

37%

9%

36%

30%AB

16%

67

40

17

63

23%

22%

42%

72%

47%AB

22%

43

37

41

14%

20%AH

29%

64%

5%

14%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C5 Which of these best describes how accurately you know the balance on this account?
Base: all those with current account

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

4787

2340

2447

528

721

838

806

1894

2476

2311

2170

295

296

116

26

33

4787

Weighted total

4783

2330

2453

560

816

843

854

1711

2467

2317

2179

303

305

118

26**

32*

4787

I know within a pound or two

1022

496

526

112

148

169

184

410

491

531

520

59

54

15

1033

21%EIN

21%

21%

20%

18%

20%

22%

24%AEF

20%

23%AI

24%AMN

20%

18%

13%

33%

16%

22%

1087

514

573

159

184

164

222

358

533

554

533

67

74

23

1091

23%FHP

22%

23%

28%AEFH

23%

19%

26%AFH

21%

22%

24%

24%AP

22%P

24%P

19%

6%

6%

23%

I know within 10

I know within 50

I know within 100

927

449

478

121

155

177

151

324

482

445

392

61

81

24

930

19%K

19%

19%

22%

19%

21%

18%

19%

20%

19%

18%

20%

26%AK

21%

17%

17%

19%

863

455

408

87

167

178

144

287

522

341

342

79

52

26

11

866

18%CJK

20%AC

17%

16%

20%DH

21%ADGH

17%

17%

21%AJ

15%

16%

26%AKM

17%

22%

33%

34%AKM

18%

472

227

245

45

76

86

100

164

294

178

183

27

35

30

476

10%JK

10%

10%

8%

9%

10%

12%D

10%

12%AJ

8%

8%

9%

11%

25%AKLM

11%

24%AKLM

10%

165

70

95

10

31

28

15

81

52

113

87

156

3%DGIN

3%

4%

2%

4%G

3%G

2%

5%ADG

2%

5%AI

4%N

3%

2%

3%

186

92

95

19

37

25

28

78

65

121

100

174

4%ILMN

4%

4%

3%

5%

3%

3%

5%F

3%

5%AI

5%ALMN

4%

61

29

32

19

16

10

27

34

22

61

1%H

1%

1%

1%

2%AH

2%H

1%

1%

1%

1%

1%

1%

3%L

1%

I know within 500

I have no idea at all

Prefer not to say

Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C5 Which of these best describes how accurately you know the balance on this account?
Base: all those with current account

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

4787

2045

1203

1530

881

3771

2642

2145

979

3808

386

869

755

2661

1521

2917

4787

Weighted total

4783

2114

1237

1422

864

3777

2599

2184

1036

3747

412

857

787

2609

1514

2902

4787

I know within a pound or two

1022

355

328

339

240

762

525

497

217

805

85

264

166

488

405

544

1033

21%BFGNP

17%

27%AB

24%AB

28%AF

20%

20%

23%AG

21%

21%

21%

31%AKMN

21%

19%

27%AP

19%

22%

1087

472

318

295

222

838

564

523

228

859

115

223

184

541

386

627

1091

23%DNP

22%

26%ABD

21%

26%AF

22%

22%

24%

22%

23%

28%AN

26%AN

23%

21%

25%AP

22%

23%

I know within 10

I know within 50

927

462

200

265

141

762

509

418

209

718

89

118

166

539

265

613

930

19%CELO

22%ACD

16%

19%

16%

20%AE

20%

19%

20%

19%

22%L

14%

21%L

21%AL

17%

21%AO

19%

I know within 100

863

456

168

236

117

733

517

346

192

671

57

101

136

549

186

632

866

18%CEHKLO

22%ACD

14%

17%C

14%

19%AE

20%AHJ

16%

19%H

18%H

14%

12%

17%L

21%AKLM

12%

22%AO

18%

472

240

88

143

60

400

275

197

102

369

31

57

68

308

123

326

476

10%CELO

11%AC

7%

10%C

7%

11%AE

11%

9%

10%

10%

8%

7%

9%

12%AKLM

8%

11%AO

10%

165

51

46

68

43

114

94

71

32

133

10

49

24

80

67

72

156

3%BFP

2%

4%B

5%AB

5%AF

3%

4%

3%

3%

4%

2%

6%AKMN

3%

3%

4%AP

2%

3%

186

53

62

68

33

120

83

103

35

151

17

34

31

82

56

60

174

4%BFGNP

3%

5%AB

5%AB

4%

3%

3%

5%AGJ

3%

4%G

4%

4%

4%

3%

4%P

2%

4%

61

25

28

47

32

30

21

40

10

13

23

27

29

61

1%DJNP

1%

2%ABD

1%

1%

1%

1%

1%

2%AGJ

1%

2%N

1%

2%

1%

2%P

1%

1%

I know within 500

I have no idea at all

Prefer not to say

Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


C5 Which of these best describes how accurately you know the balance on this account?
Base: all those with current account

Region
Yorkshire and
Humberside
West
(D)
Midlands (E)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

4787

217

577

393

Weighted total

4783

193

521

410

I know within a pound or two

1022

52

120

21%J

27%AEJK

23%J

I know within 10

I know within 50

I know within 100

I know within 500

Unweigh
ted total

Internet usage

East
Midlands (F)

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

389

398

394

417

683

578

240

402

348

456

408

670

608

231

106

77

76

103

83

140

110

26%AEJK

19%

22%

23%

20%

21%

18%

2 to 5 times a Once a week


week (P)
or less (Q)

429

72

2985

702

164

936

4787

396

141*

2986

671

157

970

4787

41

88

25

624

128

29

240

1033

18%

22%

18%

21%

19%

19%

25%ANO

22%

1087

43

120

96

73

86

113

98

145

113

62

108

31

690

160

35

202

1091

23%EJ

22%

23%

24%

18%

25%EJ

25%EJ

24%EJ

22%

19%

27%EJ

27%AEIJ

22%

23%

24%

22%

21%

23%

927

36

103

82

86

77

77

72

122

97

51

85

39

594

137

32

164

930

19%JQ

19%

20%

20%

21%J

22%J

17%

18%

18%

16%

22%J

21%J

28%GJ

20%Q

20%

20%

17%

19%

863

31

94

63

67

52

84

80

139

120

43

62

27

577

138

37

112

866

18%Q

16%

18%

15%

17%

15%

18%

20%

21%DFL

20%

19%

16%

19%

19%AQ

21%Q

23%Q

11%

18%

472

17

40

36

44

33

50

34

74

96

18

26

328

63

15

66

476

10%LQ

9%

8%

9%

11%L

9%

11%L

8%

11%CL

16%ABCDEF

8%

7%

4%

11%AQ

9%Q

10%

7%

10%

165

16

12

30

13

13

26

21

57

12

92

156

3%LNO

3%

3%

3%

7%ABCDFG

2%

3%

3%

4%L

3%

3%

1%

5%L

2%

2%

2%

9%ANOP

3%

186

24

18

11

12

22

19

37

18

68

19

94

174

4%DN

4%

5%D

2%

5%D

3%

3%

5%DGI

3%

6%ADFGI

3%

5%D

3%

2%

3%

3%

10%ANOP

4%

61

14

47

12

61

1%Q

1%

2%

2%L

2%

1%

1%

1%

2%AL

2%AQ

2%Q

1%Q

1%

GHIKLM
I have no idea at all

HIJKL
Prefer not to say

Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


C5 Which of these best describes how accurately you know the balance on this account?
Base: all those with current account

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

4787

2877

130

38

133

44

12

227

4787

Weighted total

4783

2776

136

39*

137

48*

12**

236

4787

I know within a pound or two

1022

636

26

14

15

37

1033

21%EFH

23%AEFH

19%

36%ACEFH

11%

8%

32%

16%E

22%

1087

638

22

10

11

27

1091

23%EH

23%EH

17%E

14%

8%

23%EH

11%E

23%

I know within 10

I know within 50

I know within 100

I know within 500

927

551

27

18

29

930

19%H

20%H

20%H

12%

13%

11%

6%

12%

19%

863

461

29

26

14

47

866

18%B

17%

21%

12%

19%

29%B

19%

20%

18%

472

258

19

26

39

476

10%

9%

14%

17%

19%AB

7%

25%

16%AB

10%

I have no idea at all

165

106

13

23

156

3%

4%

3%

10%ABCD

18%ABCD

8%

10%ABCD

3%

Prefer not to say

186

101

19

23

174

4%

4%

5%

4%

14%ABCH

4%

10%AB

4%

61

25

11

61

1%B

1%

1%

5%AB

6%AB

10%

5%AB

1%

Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C6 Which, if any, of the following methods do you use to check how much money is in this account?
Base: all those with current account

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

Unweighted total

4787

2340

2447

528

721

838

806

1894

2476

2311

2170

295

296

116

26

33

4787

Weighted total

4783

2330

2453

560

816

843

854

1711

2467

2317

2179

303

305

118

26**

32*

4787

Online through my bank's website

2936

1470

1465

400

611

638

572

715

1737

1199

1117

245

268

103

22

30

2951

61%CHJK

63%AC

60%

72%AH

75%AGH

76%AGH

67%AH

42%

70%AJ

52%

51%

81%AK

88%AKL

87%AK

85%

92%AK

62%

A bank statement sent in the post

40,000 to
49,999 (O)

50,000+ (P)

1718

820

898

176

212

226

276

827

806

912

904

79

70

25

1711

36%DEFGIL

35%

37%

31%E

26%

27%

32%EF

48%ADEFG

33%

39%AI

41%ALMNP

26%

23%

21%

32%

13%

36%

MNP
Ask for a balance or mini-statement at the
bank/post office or using a cash machine

1665

749

916

234

252

300

340

539

820

846

776

99

82

33

1676

35%BEHIM

32%

37%AB

42%AEFH

31%

36%H

40%AEH

32%

33%

37%AI

36%M

33%

27%

28%

31%

26%

35%

595

299

296

128

201

154

76

35

343

252

220

62

77

31

560

12%GHJK

13%

12%

23%AFGH

25%AFGH

18%AGH

9%H

2%

14%AJ

11%

10%

20%AK

25%AK

26%AK

19%

17%

12%

264

118

146

42

58

72

63

30

158

107

99

23

27

14

257

6%HJK

5%

6%

8%AH

7%AH

9%AH

7%AH

2%

6%AJ

5%

5%

8%K

9%AK

12%AK

11%

6%

5%

By using a mobile phone app.

A text message from bank

Phone the bank and ask for a balance

I do not check how much money is in this


account

Don't know

230

87

143

20

42

43

44

81

126

104

103

16

222

5%B

4%

6%AB

3%

5%

5%

5%

5%

5%

4%

5%

5%

3%

3%

4%

6%

5%

55

30

25

11

30

22

33

24

50

1%D

1%

1%

1%

1%D

1%

2%ADE

1%

1%

1%

1%

1%

70

35

35

10

10

38

22

48

42

64

1%ILM

2%

1%

1%

1%

1%

1%

2%AD

1%

2%AI

2%ALM

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C6 Which, if any, of the following methods do you use to check how much money is in this account?
Base: all those with current account

Work status

Disability

Relationship status

Total (A)

Working (B)

Not working
(C)

Unweighted total

4787

2045

1203

1530

881

3771

2642

Weighted total

4783

2114

1237

1422

864

3777

2599

Online through my bank's website

2936

1567

777

590

459

2413

61%DEHJL

74%ACD

63%D

41%

53%

64%AE

A bank statement sent in the post

Unweigh
Benefit recipient ted total

Home status
LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Parent (I)

Nonparent (J)

Living at
home (K)

2145

979

3808

386

869

755

2661

1521

2917

4787

2184

1036

3747

412

857

787

2609

1514

2902

4787

1715

1220

757

2179

292

403

575

1621

902

1919

2951

66%AHJ

56%

73%AGHJ

58%H

71%ALN

47%

73%ALN

62%L

60%

66%AO

62%

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

1718

618

406

690

349

1318

861

857

293

1424

122

337

226

988

535

998

1711

36%BCFGIK

29%

33%B

49%ABC

40%AF

35%

33%I

39%AGI

28%

38%AGI

30%

39%AKM

29%

38%AKM

35%

34%

36%

MP
Ask for a balance or mini-statement at the
bank/post office or using a cash machine

1665

757

482

423

315

1310

868

797

379

1286

170

334

276

852

594

974

1676

35%DGNP

36%D

39%AD

30%

36%

35%

33%

36%AGJ

37%G

34%

41%AMN

39%AN

35%

33%

39%AP

34%

35%

595

382

180

34

86

496

323

273

199

396

84

81

161

260

200

374

560

12%DEJLN

18%ACD

15%AD

2%

10%

13%AE

12%J

12%J

19%AGHJ

11%

20%ALN

10%

20%ALN

10%

13%

13%

12%

264

160

82

21

51

208

153

111

74

191

21

44

58

136

89

166

257

6%DJ

8%AD

7%D

1%

6%

5%

6%J

5%

7%AHJ

5%

5%

5%

7%AN

5%

6%

6%

5%

By using a mobile phone app.

A text message from bank

Phone the bank and ask for a balance

I do not check how much money is in this


account

Don't know

230

98

59

73

53

169

123

106

58

172

12

52

32

125

87

119

222

5%FP

5%

5%

5%

6%AF

4%

5%

5%

6%

5%

3%

6%K

4%

5%

6%AP

4%

5%

55

19

26

14

38

31

24

12

43

12

30

18

27

50

1%K

1%

1%

2%ABC

2%

1%

1%

1%

1%

1%

1%K

1%K

1%K

1%

1%

1%

70

10

22

36

17

37

36

34

66

13

10

31

19

19

64

1%BFIP

2%B

3%AB

2%F

1%

1%I

2%I

2%AI

1%

1%

1%

1%

1%P

1%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


C6 Which, if any, of the following methods do you use to check how much money is in this account?
Base: all those with current account

Region

Total (A)

NorthWest
NorthEast (B)
(C)

Yorkshire
and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern Several times Once a day 2 to 5 times a Once a week


Ireland (M)
a day (N)
(O)
week (P)
or less (Q)

Unweighted total

4787

217

577

393

389

398

394

417

683

578

240

429

72

2985

702

164

936

4787

Weighted total

4783

193

521

410

402

348

456

408

670

608

231

396

141*

2986

671

157

970

4787

Online through my bank's website

2936

109

296

266

231

215

336

252

387

386

121

221

115

2348

463

88

36

2951

61%CIKLQ

57%

57%

65%BCEIK

57%

62%K

74%ABCDE

62%K

58%

64%CIKL

53%

56%

81%ABCDE

79%AOPQ

69%APQ

56%Q

4%

62%

L
A bank statement sent in the post

Ask for a balance or mini-statement at the


bank/post office or using a cash machine

FHIJKL

FHIJKL

1718

67

188

129

150

145

135

165

259

223

83

138

35

768

228

76

645

1711

36%GN

35%

36%G

32%

37%GM

42%ADGLM

30%

41%ADGM

39%DGM

37%G

36%

35%

25%

26%

34%N

49%ANO

66%ANOP

36%

1665

76

173

142

138

111

163

130

225

208

88

157

53

1003

279

80

304

1676

35%NQ

39%

33%

35%

34%

32%

36%

32%

34%

34%

38%

40%ACFHI

37%

34%

42%ANQ

51%ANOQ

31%

35%

595

19

64

64

41

44

61

44

76

86

22

42

32

539

38

10

560

12%OPQ

10%

12%

16%BEHKL

10%

13%

13%

11%

11%

14%

10%

11%

23%ABCEF

18%AOPQ

6%Q

6%Q

1%

12%

264

31

28

24

15

23

18

32

43

10

22

10

217

33

257

6%Q

5%

6%

7%

6%

4%

5%

4%

5%

7%

4%

5%

7%

7%AOQ

5%Q

4%Q

1%

5%

230

10

23

13

19

14

17

34

47

13

17

14

129

38

58

222

5%FN

5%

4%

3%

5%

3%

3%

4%

5%

8%ACDFGH

6%F

4%

10%ADFGH

4%

6%

3%

6%N

5%

By using a mobile phone app.

GHIKL
A text message from bank

Phone the bank and ask for a balance

L
I do not check how much money is in this
account

55

13

18

35

50

1%NO

1%

2%I

3%ABCFGI

1%

1%

1%

1%

1%

1%

1%

1%

1%

4%ANO

1%

70

12

10

17

51

64

1%NO

1%

1%

2%

1%

2%

1%

2%C

2%

2%

2%

1%

1%

5%ANOP

1%

KL
Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


C6 Which, if any, of the following methods do you use to check how much money is in this account?
Base: all those with current account

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

4787

2877

130

38

133

44

12

227

4787

Weighted total

4783

2776

136

39*

137

48*

12**

236

4787

Online through my bank's website

2936

1514

106

19

47

16

89

2951

61%BEFH

55%EFH

78%ABDEFH

50%

34%

33%

60%

38%

62%

A bank statement sent in the post

Ask for a balance or mini-statement at the


bank/post office or using a cash machine

By using a mobile phone app.

A text message from bank

Phone the bank and ask for a balance

I do not check how much money is in this


account

Don't know

1718

1115

43

12

63

28

107

1711

36%

40%A

32%

31%

46%AC

59%ABCD

36%

45%AC

36%

1665

934

50

12

44

12

70

1676

35%B

34%

37%

30%

32%

26%

15%

30%

35%

595

239

15

12

30

560

12%B

9%

11%

22%BE

9%

14%

19%

13%BE

12%

264

114

14

16

257

6%B

4%

10%AB

8%

5%

9%

16%

7%

5%

230

126

17

222

5%

5%

5%

5%

5%

13%AB

18%

7%

5%

55

35

10

50

1%

1%

1%

3%

11%ABCDEH

8%

4%AB

1%

70

46

10

12

64

1%

2%

1%

7%ABC

4%

5%ABC

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C7 Which, if any, of the following describe what you do to keep track of the money in this account?
Base: all those with current account who check how much is in it

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

4673

2280

2393

524

709

818

789

1833

2436

2237

2109

293

295

116

26

33

4673

Weighted total

4658

2265

2394

555

803

821

836

1643

2422

2236

2113

301

304

118

26**

32*

4673

Check the balance

3497

1662

1835

435

605

649

636

1172

1871

1625

1573

228

241

95

22

28

3501

75%BHJ

73%

77%AB

78%H

75%H

79%AH

76%H

71%

77%AJ

73%

74%

76%

79%

80%

86%

87%

75%

Regularly check all incomings and


outgoings

50,000+ (P)

2831

1351

1480

302

503

536

558

932

1590

1241

1207

201

213

81

21

25

2875

61%DHJK

60%

62%

54%

63%DH

65%ADH

67%ADH

57%

66%AJ

56%

57%

67%AK

70%AK

69%K

81%

77%K

62%
2136

Look out for suspicious incomings or


outgoings

2096

1009

1087

225

314

409

438

710

1244

852

858

158

168

66

16

20

45%DEJK

45%

45%

41%

39%

50%ADEH

52%ADEH

43%

51%AJ

38%

41%

53%AK

55%AK

56%AK

63%

61%K

46%

1488

707

782

125

186

233

296

648

897

591

664

83

102

47

10

14

1531

32%DEFJ

31%

33%

23%

23%

28%DE

35%ADEF

39%ADEF

37%AJ

26%

31%

28%

33%

40%L

39%

44%L

33%

1240

595

646

111

134

201

260

535

779

461

532

82

80

46

12

15

1292

27%DEJK

26%

27%

20%

17%

24%E

31%ADEF

33%ADEF

32%AJ

21%

25%

27%

26%

39%AKLM

46%

48%AKLM

28%

File and retain statements

Compare receipts/ spending against the


statement

Compare spending between one month


and another

Other

I don't look at statements in any detail

Prefer not to say

Don't know

779

397

382

78

157

155

168

221

507

272

302

65

72

33

778

17%HJK

18%

16%

14%

20%ADH

19%DH

20%ADH

13%

21%AJ

12%

14%

22%AK

24%AK

28%AK

33%

27%K

17%

32

20

12

16

23

15

33

1%J

1%

1%

1%

1%AJ

1%

1%

1%

3%AK

1%

82

48

34

10

18

11

21

23

39

44

30

79

2%

2%

1%

2%

2%

1%

3%H

1%

2%

2%

1%

3%

1%

4%K

2%

37

17

20

15

16

21

22

33

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

37

19

17

13

13

23

18

34

1%

1%

1%

2%G

1%

1%

1%

1%

1%

1%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C7 Which, if any, of the following describe what you do to keep track of the money in this account?
Base: all those with current account who check how much is in it

Work status

Disability

Relationship status

Home status

Benefit recipient

Unweigh
ted total

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

4673

2017

1175

1475

852

3703

2581

2092

965

3708

382

847

737

2606

1488

2874

4673

Weighted total

4658

2085

1207

1359

833

3702

2533

2126

1020

3638

408

832

767

2548

1476

2856

4673

Check the balance

3497

1602

921

969

621

2797

1912

1585

772

2725

314

610

591

1907

1140

2154

3501

75%D

77%AD

76%D

71%

75%

76%

75%

75%

76%

75%

77%

73%

77%

75%

77%A

75%

75%

2831

1357

682

789

488

2291

1651

1180

648

2183

222

441

475

1650

863

1839

2875

61%CDHJKL

65%ACD

56%

58%

59%

62%A

65%AHJ

56%

64%H

60%H

54%

53%

62%KL

65%AKL

58%

64%AO

62%

2136

Regularly check all incomings and outgoings

O
Look out for suspicious incomings or
outgoings

2096

1006

493

594

375

1684

1249

847

446

1650

176

271

331

1280

606

1407

45%CHLO

48%ACD

41%

44%

45%

45%

49%AHIJ

40%

44%H

45%H

43%L

33%

43%L

50%AKLM

41%

49%AO

46%

1488

635

310

541

270

1189

859

629

272

1216

98

210

177

975

414

987

1531

32%CHIKLM

30%C

26%

40%ABC

32%

32%

34%AHI

30%

27%

33%AHI

24%

25%

23%

38%AKLM

28%

35%AO

33%

File and retain statements

O
Compare receipts/ spending against the
statement

1240

530

273

437

227

994

735

505

229

1011

87

170

156

808

357

829

1292

27%CHIKLM

25%

23%

32%ABC

27%

27%

29%AHI

24%

22%

28%AHI

21%

20%

20%

32%AKLM

24%

29%AO

28%

O
Compare spending between one month
and another

779

408

178

193

153

613

471

308

190

589

56

89

130

492

224

524

778

17%CDHL

20%ACD

15%

14%

18%

17%

19%AHJ

15%

19%H

16%H

14%

11%

17%L

19%AKL

15%

18%AO

17%

32

15

10

23

21

11

26

20

13

18

33

1%

1%

1%B

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

Other

I don't look at statements in any detail

Prefer not to say

82

44

22

16

19

62

43

39

21

61

22

10

41

31

48

79

2%D

2%D

2%

1%

2%

2%

2%

2%

2%

2%

2%

3%A

1%

2%

2%

2%

2%

37

11

12

14

18

13

24

31

13

33

1%FGNOP

1%

1%

1%

1%

1%AG

1%

1%G

1%N

1%

1%

1%

1%

37

15

12

24

13

24

30

10

13

19

34

1%BFGN

1%AB

1%

1%

1%

1%AG

1%

1%G

2%AN

1%N

1%N

1%

1%

1%

Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


C7 Which, if any, of the following describe what you do to keep track of the money in this account?
Base: all those with current account who check how much is in it

Region
Yorkshire and
Humberside
West
East Midlands
(D)
Midlands (E)
(F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

4673

215

569

381

373

Weighted total

4658

191

513

396

383

Check the balance

3497

143

361

304

75%CQ

75%

70%

77%C

Regularly check all incomings and outgoings

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

388

386

404

669

562

234

339

446

393

656

590

225

295

252

343

300

477

459

77%C

74%

77%C

76%C

73%

78%CIL

2 to 5 times a Once a week


week (P)
or less (Q)

421

71

2952

699

162

860

4673

389

139*

2951

668

155

885

4673

169

277

116

2307

511

115

564

3501

75%

71%

84%CL

78%AQ

76%Q

74%Q

64%

75%

2831

107

308

253

221

215

299

224

402

348

132

229

93

2006

437

97

290

2875

61%Q

56%

60%

64%H

58%

63%

67%ABCEH

57%

61%

59%

59%

59%

67%

68%AQ

66%AQ

63%Q

33%

62%

2136

JKL
Look out for suspicious incomings or
outgoings

File and retain statements

Compare receipts/ spending against the


statement

Compare spending between one month and


another

Other

I don't look at statements in any detail

Prefer not to say

Don't know

2096

70

204

187

170

150

227

184

298

257

94

180

76

1521

322

82

172

45%BCQ

36%

40%

47%BC

44%

44%

51%ABCJK

47%BC

45%BC

44%

42%

46%BC

55%BC

52%AQ

48%Q

53%AQ

19%

46%

1488

61

130

127

139

114

142

139

240

186

77

96

37

941

247

50

250

1531

32%CLQ

32%L

25%

32%CL

36%CL

34%CL

32%CL

35%CL

37%ACL

31%CL

34%CL

25%

27%

32%Q

37%ANQ

32%

28%

33%

1240

41

118

114

104

96

125

110

189

160

54

86

42

830

224

49

137

1292

27%CLQ

22%

23%

29%CL

27%

28%

28%

28%

29%BCL

27%

24%

22%

31%

28%AQ

34%ANQ

32%Q

16%

28%

779

25

81

64

54

63

88

71

115

97

22

66

32

554

119

28

78

778

17%KQ

13%

16%K

16%K

14%

19%K

20%BEK

18%K

17%K

16%K

10%

17%K

23%K

19%AQ

18%Q

18%Q

9%

17%

32

23

33

1%

1%

1%

2%

1%

1%

1%

1%

1%

1%

1%

1%

82

16

14

46

11

23

79

2%IJ

2%

2%

2%

2%

4%ABIJ

2%

1%

1%

1%

4%ABIJK

1%

2%

2%

1%

3%AN

2%

37

14

20

33

1%N

1%

1%

1%

1%

1%

1%

1%

1%

2%

2%ANO

1%

37

15

16

34

1%N

1%

1%

1%

1%

1%

1%

1%

1%

2%

1%

1%

1%

2%ANO

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


C7 Which, if any, of the following describe what you do to keep track of the money in this account?
Base: all those with current account who check how much is in it

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

4673

2803

128

38

120

38

11

207

4673

Weighted total

4658

2694

134

39*

123

41*

11**

214

4673

Check the balance

3497

1998

108

30

80

29

148

3501

75%EH

74%E

81%EH

78%

65%

71%

74%

69%

75%

Regularly check all incomings and


outgoings

Look out for suspicious incomings or


outgoings

2831

1612

95

18

54

20

97

2875

61%EH

60%EH

71%ABDEFH

47%

43%

49%

43%

45%

62%
2136

2096

1207

71

14

29

12

57

45%EFH

45%EFH

53%EFH

36%

23%

28%

26%

27%

46%

File and retain statements

1488

944

39

13

35

12

63

1531

32%

35%A

29%

34%

28%

30%

29%

30%

33%

Compare receipts/ spending against the


statement

1240

757

45

15

21

46

1292

27%E

28%AEH

33%EH

38%EH

17%

20%

16%

21%

28%

Compare spending between one month


and another

Other

I don't look at statements in any detail

Prefer not to say

Don't know

779

427

32

14

28

778

17%

16%

24%ABEH

11%

11%

20%

19%

13%

17%

32

25

33

1%

1%A

2%A

1%

1%

82

49

79

2%

2%

2%

4%C

3%

3%C

2%

37

20

33

1%

1%

4%ABC

3%AB

2%AB

1%

37

21

34

1%

1%

1%

2%

1%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C7 Which, if any, of the following describe what you do to keep track of the money in this account?
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Check the balance

3497

1662

1835

435

605

649

636

1172

1871

1625

1573

228

241

95

22

28

3501

69%BHJK

67%

70%AB

72%H

70%H

75%AEH

70%H

64%

74%AJ

64%

67%

75%AK

78%AK

80%AK

83%

87%AK

69%

2831

1351

1480

302

503

536

558

932

1590

1241

1207

201

213

81

21

25

2875

Regularly check all incomings and


outgoings

50,000+ (P)

56%DHJK

55%

57%

50%

58%DH

62%ADH

62%ADH

51%

63%AJ

49%

51%

66%AK

69%AK

69%AK

78%

77%AK

57%

2096

1009

1087

225

314

409

438

710

1244

852

858

158

168

66

16

20

2136

41%DEHJK

41%

42%

37%

36%

47%ADEH

49%ADEH

39%

49%AJ

33%

36%

52%AK

55%AK

56%AK

60%

61%AK

42%

1488

707

782

125

186

233

296

648

897

591

664

83

102

47

10

14

1531

29%DEJ

29%

30%

21%

21%

27%DE

33%ADEF

35%ADEF

35%AJ

23%

28%

27%

33%

40%AKL

38%

44%KL

30%

1240

595

646

111

134

201

260

535

779

461

532

82

80

46

12

15

1292

24%DEJK

24%

25%

18%

15%

23%DE

29%ADEF

29%ADEF

31%AJ

18%

23%

27%

26%

39%AKLM

44%

48%AKLM

25%

Look out for suspicious incomings or


outgoings

File and retain statements

Compare receipts/ spending against the


statement

Compare spending between one month


and another

779

397

382

78

157

155

168

221

507

272

302

65

72

33

778

15%HJK

16%

15%

13%

18%ADH

18%ADH

19%ADH

12%

20%AJ

11%

13%

21%AK

23%AK

28%AK

32%

27%K

15%

32

20

12

16

23

15

33

1%J

1%

1%

1%

1%AJ

1%

1%

1%

3%AK

1%

Other

I don't look at statements in any detail

Prefer not to say

Don't know

82

48

34

10

18

11

21

23

39

44

30

79

2%

2%

1%

2%

2%

1%

2%H

1%

2%

2%

1%

2%

1%

4%K

2%

37

17

20

15

16

21

22

33

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

37

19

17

13

13

23

18

34

1%

1%

1%

1%G

1%

1%

1%

1%

1%

1%

1%

421

204

217

47

64

49

67

194

108

313

246

406

8%FILMN

8%

8%

8%

7%

6%

7%

11%AEFG

4%

12%AI

10%ALMN

1%

1%

4%

8%

Not asked

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C7 Which, if any, of the following describe what you do to keep track of the money in this account?
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Check the balance

3497

1602

921

969

621

2797

1912

1585

772

2725

314

610

591

1907

1140

2154

3501

69%DEHJL

74%ACD

67%

64%

66%

71%AE

71%AHJ

67%

72%AHJ

68%H

72%L

63%

71%L

71%AL

69%

72%A

69%

2831

1357

682

789

488

2291

1651

1180

648

2183

222

441

475

1650

863

1839

2875

56%CDEHJK

63%ACD

50%

52%

52%

58%AE

61%AHJ

50%

60%AHJ

55%H

51%

45%

57%KL

61%AKLM

52%

61%AO

57%

2136

Regularly check all incomings and outgoings

LO
Look out for suspicious incomings or
outgoings

2096

1006

493

594

375

1684

1249

847

446

1650

176

271

331

1280

606

1407

41%CDHLO

46%ACD

36%

39%

40%

43%A

46%AHIJ

36%

41%H

41%H

40%L

28%

40%L

48%AKLM

37%

47%AO

42%

1488

635

310

541

270

1189

859

629

272

1216

98

210

177

975

414

987

1531

29%CHIKLM

29%C

23%

36%ABC

29%

30%A

32%AHI

26%

25%

30%AHI

23%

22%

21%

36%AKLM

25%

33%AO

30%

File and retain statements

O
Compare receipts/ spending against the
statement

1240

530

273

437

227

994

735

505

229

1011

87

170

156

808

357

829

1292

24%CHIKLM

24%C

20%

29%ABC

24%

25%A

27%AHIJ

21%

21%

25%AHI

20%

17%

19%

30%AKLM

22%

28%AO

25%

O
Compare spending between one month and
another

779

408

178

193

153

613

471

308

190

589

56

89

130

492

224

524

778

15%CDHJLO

19%ACD

13%

13%

16%

15%

17%AHJ

13%

18%AHJ

15%H

13%L

9%

16%L

18%AKL

14%

17%AO

15%

32

15

10

23

21

11

26

20

13

18

33

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

Other

I don't look at statements in any detail

Prefer not to say

82

44

22

16

19

62

43

39

21

61

22

10

41

31

48

79

2%D

2%D

2%

1%

2%

2%

2%

2%

2%

2%

2%

2%

1%

2%

2%

2%

2%

37

11

12

14

18

13

24

31

13

33

1%FGNOP

1%

1%

1%

1%

1%AG

1%

1%G

1%N

1%

1%

1%

37

15

12

24

13

24

30

10

13

19

34

1%BGN

1%B

1%

1%

1%

1%AG

1%

1%G

2%AN

1%N

1%N

1%

1%

1%

Don't know

Not asked

421

81

166

160

111

258

167

253

56

365

28

144

60

142

174

143

406

8%BFGINP

4%

12%AB

11%AB

12%AF

7%

6%

11%AGIJ

5%

9%AGI

6%

15%AKMN

7%N

5%

11%AP

5%

8%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


C7 Which, if any, of the following describe what you do to keep track of the money in this account?
Base: all respondents

Region
Yorkshire
and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

Check the balance

3497

143

361

304

69%CLQ

68%

64%

72%CL

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern Several times


Ireland (M)
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

295

252

343

300

477

459

169

277

116

2307

511

115

564

3501

66%

69%

73%CEL

69%

69%

70%CL

68%

64%

82%ABCEF

75%AQ

74%AQ

70%Q

49%

69%

HIJKL
Regularly check all incomings and
outgoings

2831

107

308

253

221

215

299

224

402

348

132

229

93

2006

437

97

290

2875

56%EQ

51%

54%

60%BEHJL

50%

59%EH

64%ABCEH

52%

58%EH

53%

54%

53%

66%BEHJL

65%AQ

63%AQ

59%Q

25%

57%

JKL
Look out for suspicious incomings or
outgoings

2096

70

204

187

170

150

227

184

298

257

94

180

76

1521

322

82

172

2136

41%BCQ

33%

36%

44%BC

38%

41%B

48%ABCEF

43%BC

43%BC

39%

38%

42%B

54%ABCEF

49%AQ

47%AQ

50%AQ

15%

42%

1531

JK
File and retain statements

1488

61

130

127

139

114

142

139

240

186

77

96

37

941

247

50

250

29%CLQ

29%L

23%

30%CL

31%CL

31%CL

30%CL

32%CL

35%ACJL

28%CL

31%CL

22%

26%

31%AQ

36%ANQ

30%Q

22%

30%

1240

41

118

114

104

96

125

110

189

160

54

86

42

830

224

49

137

1292

24%CLQ

20%

21%

27%BCL

23%

26%L

27%CL

25%

27%BCL

24%

22%

20%

30%

27%AQ

32%ANQ

30%Q

12%

25%

779

25

81

64

54

63

88

71

115

97

22

66

32

554

119

28

78

778

15%KQ

12%

14%K

15%K

12%

17%EK

19%BEK

16%K

17%EK

15%K

9%

15%K

23%BEK

18%AQ

17%Q

17%Q

7%

15%

Compare receipts/ spending against the


statement

Compare spending between one month


and another

Other

I don't look at statements in any detail

Prefer not to say

Don't know

Not asked

32

23

33

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

82

16

14

46

11

23

79

2%IJ

2%

1%

2%

2%

3%ABIJK

2%

1%

1%

1%

3%ABIJK

1%

2%

2%

1%

2%

2%

37

14

20

33

1%N

1%

1%

1%

1%

1%

1%

1%

2%

2%ANO

1%

37

15

16

34

1%N

1%

1%

1%

1%

1%

1%

1%

2%

1%

1%

1%AN

1%

421

19

51

28

62

26

24

39

38

64

23

44

125

23

10

262

406

8%GIMNO

9%GIM

9%GIM

7%

14%ACDFGH

7%

5%

9%GIM

5%

10%GIM

9%GIM

10%GIM

1%

4%

3%

6%

23%ANOP

8%

IJM

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

JK

Money Advice Service - Financial Capability Tracker Survey - FINAL


C7 Which, if any, of the following describe what you do to keep track of the money in this account?
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

Check the balance

3497

1998

108

30

80

29

148

3501

69%BEFH

68%EFH

73%EFH

76%EFH

51%

49%

55%

54%

69%

2831

1612

95

18

54

20

97

2875

56%BEFH

54%EFH

65%ABDEFH

45%

34%

34%

32%

35%

57%

2096

1207

71

14

29

12

57

2136

41%EFH

41%EFH

48%EFH

35%EH

18%

19%

19%

21%

42%

1488

944

39

13

35

12

63

1531

29%EH

32%AEH

26%

33%

22%

20%

21%

23%

30%

1240

757

45

15

21

46

1292

24%EH

26%AEFH

30%EFH

37%EFH

13%

14%

12%

17%

25%

Regularly check all incomings and


outgoings

Look out for suspicious incomings or


outgoings

File and retain statements

Compare receipts/ spending against the


statement

Compare spending between one month


and another

779

427

32

14

28

778

15%BEH

14%E

22%ABEH

11%

9%

13%

14%

10%

15%

32

25

33

1%

1%A

2%

1%

1%

82

49

79

2%

2%

2%

3%C

2%

3%

2%

37

20

33

1%

1%

4%ABC

2%AB

2%B

1%

Other

I don't look at statements in any detail

Prefer not to say

Don't know

Not asked

37

21

34

1%

1%

1%

1%

1%

1%

421

265

13

35

19

59

406

8%

9%A

9%

3%

22%ABCD

31%ABCD

26%

22%ABCD

8%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C8 How often do you normally check how much money is in this account?
Base: all those with current account

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

Unweighted total

4787

2340

2447

528

721

838

806

1894

2476

2311

2170

295

296

116

26

33

4787

Weighted total

4783

2330

2453

560

816

843

854

1711

2467

2317

2179

303

305

118

26**

32*

4787

Every day

637

325

312

56

148

135

131

168

337

300

244

44

65

25

640

13%DHK

14%

13%

10%

18%ADH

16%ADH

15%DH

10%

14%

13%

11%

15%

21%AKL

21%AK

17%

22%K

13%

2434

1212

1222

312

433

470

468

751

1262

1173

1066

176

164

63

14

19

2469

51%HK

52%

50%

56%AH

53%H

56%AH

55%AH

44%

51%

51%

49%

58%AK

54%

53%

53%

59%

52%

At least once a week, but not every day

At least once a fortnight, but not every


week

40,000 to
49,999 (O)

50,000+ (P)

678

308

370

103

105

114

119

238

373

305

315

47

42

14

677

14%

13%

15%

18%AEFGH

13%

14%

14%

14%

15%

13%

14%

15%

14%

12%

8%

7%

14%

640

284

356

57

89

74

76

344

351

289

328

28

26

13

627

13%BDEFGL

12%

15%AB

10%

11%

9%

9%

20%ADEFG

14%

12%

15%ALM

9%

8%

11%

21%

9%

13%

238

122

115

20

25

21

40

131

97

141

138

227

5%EFIL

5%

5%

4%

3%

3%

5%F

8%ADEFG

4%

6%AI

6%ALMN

2%

3%

2%

3%

5%

At least once a month, but not every


fortnight

M
Less than once a month

Never

66

39

26

10

38

21

45

33

64

1%DIM

2%

1%

1%

1%D

1%

2%ADEG

1%

2%AI

2%M

1%

1%

1%

Other

10

Don't know

80

34

47

10

15

40

23

57

52

74

2%ILM

1%

2%

2%

1%

2%

1%

2%AEG

1%

2%AI

2%ALM

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C8 How often do you normally check how much money is in this account?
Base: all those with current account

Work status

Disability

Relationship status

Total (A)

Working (B)

Not working
(C)

Unweighted total

4787

2045

1203

1530

881

3771

2642

Weighted total

4783

2114

1237

1422

864

3777

2599

Every day

637

302

182

152

128

493

13%DHJKNP

14%D

15%D

11%

15%

13%

At least once a week, but not every day

Unweigh
Benefit recipient ted total

Home status
LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Parent (I)

Nonparent (J)

Living at
home (K)

2145

979

3808

386

869

755

2661

1521

2917

4787

2184

1036

3747

412

857

787

2609

1514

2902

4787

387

251

189

449

32

136

131

325

252

347

640

15%AHJ

11%

18%AGHJ

12%

8%

16%AKN

17%AKN

12%K

17%AP

12%

13%

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

2434

1175

658

599

399

1978

1361

1073

584

1850

232

448

432

1274

799

1497

2469

51%DEHJN

56%AD

53%D

42%

46%

52%AE

52%AHJ

49%

56%AGHJ

49%

56%AN

52%

55%AN

49%

53%

52%

52%

At least once a fortnight, but not every


week

678

320

163

196

106

553

335

343

126

553

69

103

105

384

192

436

677

14%GILO

15%

13%

14%

12%

15%

13%

16%AGI

12%

15%AGI

17%L

12%

13%

15%

13%

15%AO

14%

640

218

129

290

137

480

319

321

81

558

49

81

77

414

149

425

627

13%BCFGIL

10%

10%

20%ABC

16%AF

13%

12%I

15%AGI

8%

15%AGI

12%

9%

10%

16%AKLM

10%

15%AO

13%

At least once a month, but not every


fortnight

MO
Less than once a month

Never

Other

238

65

55

117

54

178

126

112

35

203

20

49

14

148

70

139

227

5%BIM

3%

4%B

8%ABC

6%

5%

5%I

5%I

3%

5%AI

5%M

6%M

2%

6%AM

5%

5%

5%

66

17

18

31

15

46

35

31

12

54

17

11

34

27

29

64

1%BKP

1%

1%

2%AB

2%

1%

1%

1%

1%

1%

2%K

1%

1%

2%P

1%

1%

10

*N

1%F

1%AN

80

12

30

36

21

43

32

49

74

21

11

29

20

24

74

2%BFGINP

1%

2%AB

3%AB

2%F

1%

1%I

2%AGI

1%

2%AGI

2%

2%N

1%

1%

1%

1%

2%

Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


C8 How often do you normally check how much money is in this account?
Base: all those with current account

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

4787

217

577

393

389

Weighted total

4783

193

521

410

402

Every day

637

27

77

61

13%OPQ

14%

15%E

15%E

At least once a week, but not every day

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

398

394

417

683

578

240

348

456

408

670

608

231

41

39

61

45

91

91

10%

11%

13%

11%

14%

15%E

2 to 5 times a Once a week


week (P)
or less (Q)

429

72

2985

702

164

936

4787

396

141*

2986

671

157

970

4787

26

52

26

528

69

34

640

11%

13%

18%

18%AOPQ

10%PQ

4%

4%

13%

2434

117

299

218

191

182

243

203

301

299

110

203

68

1627

393

85

329

2469

51%IQ

61%AEHIJ

57%AEHIJK

53%I

48%

52%I

53%I

50%

45%

49%

48%

51%I

48%

54%AQ

59%AQ

54%Q

34%

52%

KL
At least once a fortnight, but not every
week

At least once a month, but not every


fortnight

678

20

60

45

53

52

70

64

110

87

32

60

25

395

99

42

142

677

14%CN

11%

11%

11%

13%

15%

15%

16%

16%BCD

14%

14%

15%

18%

13%

15%

27%ANOQ

15%

14%

640

19

51

48

69

49

57

60

116

73

41

43

14

300

79

18

242

627

13%CN

10%

10%

12%

17%ABCDJ

14%C

12%

15%C

17%ABCDG

12%

18%ABCDJ

11%

10%

10%

12%

12%

25%ANOP

13%

238

19

24

27

17

12

22

31

35

10

27

92

17

124

227

5%GNO

4%

4%

6%G

7%CG

5%

3%

5%G

5%

6%G

4%

7%CG

4%

3%

2%

3%

13%ANOP

5%

66

14

10

19

43

64

1%NO

1%

1%

4%ABCDFG

1%

1%

1%

1%

3%ABFGHJ

2%

1%

1%

4%ANOP

1%

L
Less than once a month

Never

JL

HIJ
Other

Don't know

10

1%AI

1%ANQ

80

12

13

21

54

74

2%NO

1%

1%

2%

2%

2%

2%

2%

2%

2%

1%

1%

1%

1%

6%ANOP

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


C8 How often do you normally check how much money is in this account?
Base: all those with current account

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Unweighted total

4787

2877

Weighted total

4783

2776

Every day

At least once a week, but not every day

At least once a fortnight, but not every


week

At least once a month, but not every


fortnight

Less than once a month

Never

Mixed race
(D)

Asian (E)

130

38

133

136

39*

137

Black (F)

Other (G)

BME (H)

44

12

227

4787

48*

12**

236

4787

637

340

20

10

20

640

13%BEH

12%E

15%E

26%ABEFH

4%

8%

9%E

13%

2434

1351

78

14

54

26

100

2469

51%BEH

49%E

58%BDEH

37%

39%

54%

48%

42%

52%

678

382

22

23

35

677

14%

14%

16%

19%

17%

6%

18%

15%

14%

640

437

23

35

627

13%C

16%AC

6%

14%

17%C

7%

17%

15%C

13%

238

162

13

23

227

5%

6%A

3%

2%

10%AC

17%ABCD

8%

10%ABC

5%

66

46

11

64

1%

2%

2%

5%ABC

5%AC

8%

4%ABC

1%

Other

10

Don't know

80

52

12

13

74

2%

2%

2%

9%ABCH

2%

5%AB

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C9 (odd) Looking at this example of a bank statement, how much money was in the account at the end of February?
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

88

41

47

11

13

12

42

29

59

50

92

1 - 60

2%IM

2%

2%

2%

1%

2%

1%

2%AE

1%

2%AI

2%M

3%M

1%

7%

2%

4283

2096

2187

531

772

786

805

1390

2293

1990

1871

288

302

114

25

29

4313

84%HJK

85%

84%

88%AH

89%AH

90%AH

89%AH

76%

91%AJ

78%

79%

94%AK

98%AKLP

97%AK

93%

91%

85%

61

61 - 9,999

Don't know

149

70

80

17

24

23

20

65

51

99

79

152

3%I

3%

3%

3%

3%

3%

2%

4%A

2%

4%AI

3%

2%

1%

1%

9%ALMN

3%

559

261

298

43

62

48

66

340

158

401

359

522

11%DEFGIL

11%

11%

7%

7%

6%

7%

18%ADEFG

6%

16%AI

15%ALMNP

1%

1%

2%

10%

4283

2096

2187

531

772

786

805

1390

2293

1990

1871

288

302

114

25

29

4313

84%HJK

85%

84%

88%AH

89%AH

90%AH

89%AH

76%

91%AJ

78%

79%

94%AK

98%AKLP

97%AK

93%

91%

85%

MNP
Correct

Incorrect

796

372

424

71

94

85

98

447

237

559

488

18

766

16%DEFGIL

15%

16%

12%

11%

10%

11%

24%ADEFG

9%

22%AI

21%ALMN

6%M

2%

3%

7%

9%M

15%

MN

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C9 (odd) Looking at this example of a bank statement, how much money was in the account at the end of February?
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

88

30

27

28

26

56

44

44

15

73

32

12

34

38

34

92

1 - 60

2%FNP

1%

2%

2%

3%AF

1%

2%

2%

1%

2%

1%

3%AKMN

1%

1%

2%AP

1%

2%

4283

1990

1150

1138

750

3440

2357

1926

965

3318

402

734

734

2336

1354

2687

4313

84%DEHJLO

92%ACD

84%D

75%

80%

87%AE

87%AHJ

81%

90%AGHJ

83%H

92%ALN

75%

89%AL

87%AL

82%

90%AO

85%

61

61 - 9,999

Don't know

149

51

49

49

25

121

77

72

31

118

11

35

21

76

59

72

152

3%BP

2%

4%B

3%

3%

3%

3%

3%

3%

3%

2%

4%

3%

3%

4%P

2%

3%

559

94

147

305

142

342

221

338

64

494

19

175

60

243

199

205

522

11%BFGIKMN

4%

11%B

20%ABC

15%AF

9%

8%I

14%AGIJ

6%

12%AGI

4%

18%AKMN

7%

9%K

12%P

7%

10%

P
Correct

4283

1990

1150

1138

750

3440

2357

1926

965

3318

402

734

734

2336

1354

2687

4313

84%DEHJLO

92%ACD

84%D

75%

80%

87%AE

87%AHJ

81%

90%AGHJ

83%H

92%ALN

75%

89%AL

87%AL

82%

90%AO

85%

796

175

223

381

193

520

343

453

110

686

33

242

93

354

296

311

766

16%BFGIKMN

8%

16%B

25%ABC

20%AF

13%

13%I

19%AGIJ

10%

17%AGI

8%

25%AKMN

11%

13%K

18%AP

10%

15%

Incorrect

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


C9 (odd) Looking at this example of a bank statement, how much money was in the account at the end of February?
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

88

11

1 - 60

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

15

12

44

14

28

92

2%N

4%AKL

2%

2%

2%

1%

1%

2%

2%

2%

1%

1%

1%

1%

2%

1%

2%N

2%

4283

176

480

383

345

315

426

348

589

520

203

365

135

2874

641

148

620

4313

84%EHJQ

84%

85%EHJ

91%ABCEH

78%

86%EHJ

91%ABCEF

80%

85%EHJ

80%

82%

84%EJ

96%ABCEF

93%AQ

93%AQ

90%AQ

54%

85%

149

29

15

13

24

24

62

18

63

152

3%N

3%

5%ADGHKL

2%

3%

4%

2%

2%

3%

4%

2%

2%

2%

2%

3%

3%

6%ANO

3%

559

20

44

26

79

33

30

70

65

98

38

54

96

17

10

436

522

11%CDGMN

10%M

8%M

6%

18%ABCDFG

9%M

6%

16%ABCDFG

9%M

15%ABCDF

15%ACDFG

12%CDGM

1%

3%

3%

6%O

38%ANOP

10%

GIM

IM

4283

176

480

383

345

315

426

348

589

520

203

365

135

2874

641

148

620

4313

84%EHJQ

84%

85%EHJ

91%ABCEH

78%

86%EHJ

91%ABCEF

80%

85%EHJ

80%

82%

84%EJ

96%ABCEF

93%AQ

93%AQ

90%AQ

54%

85%

61

IJKL
61 - 9,999

Don't know

OP
Correct

HIJKL

ILM

Incorrect

HIJKL

IM

IJKL

HIJKL

HIJKL

796

35

85

40

100

51

44

85

105

134

45

67

202

50

17

527

766

16%DGMNO

16%DGM

15%DGM

9%

22%ACDFG

14%GM

9%

20%ACDFG

15%DGM

20%ACDFG

18%DGM

16%DGM

4%

7%

7%

10%

46%ANOP

15%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Unweigh
ted total

Internet usage

ILM

IM

ILM

Money Advice Service - Financial Capability Tracker Survey - FINAL


C9 (odd) Looking at this example of a bank statement, how much money was in the account at the end of February?
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

88

57

92

1 - 60

2%

2%

1%

5%

3%

3%

3%A

2%

4283

2418

128

30

96

38

11

176

4313

84%BEFH

82%EFH

87%EFH

76%

61%

64%

72%

64%

85%

61

61 - 9,999

Don't know

149

86

10

15

152

3%

3%

3%

5%

6%AB

3%

11%

6%AB

3%

559

398

14

47

17

73

522

11%

13%A

9%

14%

30%ABC

29%ABC

17%

27%ABC

10%

4283

2418

128

30

96

38

11

176

4313

84%BEFH

82%EFH

87%EFH

76%

61%

64%

72%

64%

85%

796

542

19

10

62

21

97

766

16%

18%A

13%

24%

39%ABC

36%ABC

28%

36%ABC

15%

Correct

Incorrect

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C10 (odd) And still looking at this statement, if a direct debit of 179 comes in on 28th February and there is an agreed overdraft limit of 100 on the account, would there be enough money in
the account, including the overdraft limit, to cover the direct debit?
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079
335

Yes

40,000 to
49,999 (O)

50,000+ (P)

341

158

183

38

37

48

45

174

146

196

199

16

11

7%EGIMN

6%

7%

6%

4%

5%

5%

9%ADEFG

6%

8%AI

8%AMN

5%

4%

1%

4%

3%

7%

4299

2106

2193

526

779

779

817

1397

2271

2028

1879

289

295

114

25

31

4334

85%HJK

85%

84%

87%H

90%AH

89%AH

91%AH

76%

90%AJ

80%

80%

95%AK

96%AK

97%AK

92%

97%AK

85%

439

205

234

38

51

44

41

266

113

326

280

410

9%DEFGILM

8%

9%

6%

6%

5%

5%

14%ADEFG

4%

13%AI

12%ALMNP

1%

2%L

4%

8%

4299

2106

2193

526

779

779

817

1397

2271

2028

1879

289

295

114

25

31

4334

85%HJK

85%

84%

87%H

90%AH

89%AH

91%AH

76%

90%AJ

80%

80%

95%AK

96%AK

97%AK

92%

97%AK

85%

780

363

418

76

87

91

86

440

259

521

479

16

13

745

15%EFGILM

15%

16%

13%

10%

11%

9%

24%ADEFG

10%

20%AI

20%ALMNP

5%

4%

3%

8%

3%

15%

No

Don't know

N
Correct

Incorrect

NP

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C10 (odd) And still looking at this statement, if a direct debit of 179 comes in on 28th February and there is an agreed overdraft limit of 100 on the account, would there be enough money in
the account, including the overdraft limit, to cover the direct debit?
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Total (A)

Working (B)

Not working
(C)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079
335

Yes

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

341

103

92

147

83

242

168

173

55

286

19

88

54

171

124

174

7%BFIKP

5%

7%B

10%ABC

9%AF

6%

6%

7%I

5%

7%AGI

4%

9%AKN

7%

6%

7%P

6%

7%

4299

1989

1163

1137

742

3458

2370

1928

976

3323

401

756

730

2328

1375

2672

4334

85%DEHJL

92%ACD

85%D

75%

79%

87%AE

88%AHJ

81%

91%AGHJ

83%H

92%ALMN

77%

88%AL

87%AL

83%

89%AO

85%

439

74

118

235

118

260

162

277

45

394

16

133

43

190

151

153

410

9%BFGIKMN

3%

9%B

15%ABC

13%AF

7%

6%I

12%AGIJ

4%

10%AGI

4%

14%AKMN

5%

7%K

9%P

5%

8%

4299

1989

1163

1137

742

3458

2370

1928

976

3323

401

756

730

2328

1375

2672

4334

85%DEHJL

92%ACD

85%D

75%

79%

87%AE

88%AHJ

81%

91%AGHJ

83%H

92%ALMN

77%

88%AL

87%AL

83%

89%AO

85%

780

177

210

382

201

502

330

451

100

680

35

221

98

361

275

326

745

15%BFGIKMN

8%

15%B

25%ABC

21%AF

13%

12%I

19%AGIJ

9%

17%AGI

8%

23%AKMN

12%K

13%K

17%P

11%

15%

No

Don't know

P
Correct

Incorrect

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


C10 (odd) And still looking at this statement, if a direct debit of 179 comes in on 28th February and there is an agreed overdraft limit of 100 on the account, would there be enough money in
the account, including the overdraft limit, to cover the direct debit?
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

Yes

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

418

406

441

705

620

257

365

470

433

693

653

247

2 to 5 times a Once a week


week (P)
or less (Q)

468

72

3074

723

173

1109

5079

433

141*

3076

691

165

1147

5079
335

341

47

23

46

30

14

30

30

45

22

34

10

137

29

12

163

7%GINO

4%

8%BGI

5%

10%ABDGIJ

8%GI

3%

7%G

4%

7%G

9%BGI

8%GI

7%

4%

4%

7%

14%ANOP

7%

4299

186

477

370

352

307

428

349

605

548

191

359

126

2861

642

140

656

4334

85%EHKQ

89%EHKL

84%EK

87%EHK

79%

84%K

91%ACEFH

81%

87%AEHKL

84%EK

77%

83%

90%EK

93%APQ

93%APQ

85%Q

57%

85%

No

JKL
Don't know

439

15

41

31

47

28

28

54

58

60

34

40

78

20

13

327

410

9%GNO

7%

7%

7%

11%GM

8%

6%

12%ABCDFG

8%

9%

14%ABCDFG

9%

3%

3%

3%

8%NO

29%ANOP

8%

IM
Correct

IM

4299

186

477

370

352

307

428

349

605

548

191

359

126

2861

642

140

656

4334

85%EHKQ

89%EHKL

84%EK

87%EHK

79%

84%K

91%ACEFH

81%

87%AEHKL

84%EK

77%

83%

90%EK

93%APQ

93%APQ

85%Q

57%

85%

780

24

88

54

93

59

41

84

88

105

56

74

14

215

49

25

491

745

15%GINO

11%

16%G

13%

21%ABCDG

16%G

9%

19%ABDGI

13%

16%G

23%ABCDF

17%BGI

10%

7%

7%

15%NO

43%ANOP

15%

JKL
Incorrect

IJM

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

GIJM

Money Advice Service - Financial Capability Tracker Survey - FINAL


C10 (odd) And still looking at this statement, if a direct debit of 179 comes in on 28th February and there is an agreed overdraft limit of 100 on the account, would there be enough money in
the account, including the overdraft limit, to cover the direct debit?
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Unweighted total

5079

3061

Weighted total

5079

2960

Yes

341

227

7%

8%AF

5%

4299

2431

124

No

Mixed race
(D)

Asian (E)

141

39

153

147

40*

158

11

13%F

7%F

28

111

48

Black (F)

Other (G)

BME (H)

54

15

261

5079

59*

15**

273

5079

18

335

11%

7%

7%

10

197

4334

85%BDEH

82%EH

84%EH

71%

70%

81%

64%

72%

85%

Don't know

439

302

16

36

11

58

410

9%

10%A

11%

17%

23%ABC

19%AB

25%

21%ABC

8%

Correct

4299

2431

124

28

111

48

10

197

4334

85%BDEH

82%EH

84%EH

71%

70%

81%

64%

72%

85%

Incorrect

780

529

23

12

47

11

76

745

15%

18%A

16%

29%A

30%ABC

19%

36%

28%ABC

15%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C11 (odd) Suppose you saw the same television on sale at a discount in two different shops. The original purchase price of the television was 250. One shop is offering a discount of 30 off the
original price. Another is offering a discount of 10% off the original price. Which is the better deal - 30 off or 10% off?
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

30 off

40,000 to
49,999 (O)

50,000+ (P)

4520

2232

2288

556

796

825

842

1501

2383

2137

1999

299

306

117

27

32

4546

89%CHJK

90%AC

88%

92%AH

92%AH

95%AEH

93%AH

82%

94%AJ

84%

85%

98%AK

99%AK

99%AK

100%

100%AK

90%

208

104

104

27

32

22

20

107

59

149

128

204

10% off

4%FGILM

4%

4%

4%G

4%

3%

2%

6%AEFG

2%

6%AI

5%ALMN

2%

1%

1%

4%

350

132

218

19

38

24

41

229

88

263

232

329

7%BDEFGIL

5%

8%AB

3%

4%

3%

4%

12%ADEFG

3%

10%AI

10%ALMN

6%

4520

2232

2288

556

796

825

842

1501

2383

2137

1999

299

306

117

27

32

4546

89%CHJK

90%AC

88%

92%AH

92%AH

95%AEH

93%AH

82%

94%AJ

84%

85%

98%AK

99%AK

99%AK

100%

100%AK

90%

559

236

323

46

70

46

61

336

147

412

360

533

11%BDEFGI

10%

12%AB

8%

8%F

5%

7%

18%ADEFG

6%

16%AI

15%ALMNP

2%

1%

1%

10%

Don't know

MN
Correct

Incorrect

LMNP

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C11 (odd) Suppose you saw the same television on sale at a discount in two different shops. The original purchase price of the television was 250. One shop is offering a discount of 30 off the
original price. Another is offering a discount of 10% off the original price. Which is the better deal - 30 off or 10% off?
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Total (A)

Working (B)

Not working
(C)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

30 off

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

4520

2066

1224

1226

802

3600

2497

2023

996

3525

414

791

768

2453

1454

2788

4546

89%DEHJL

95%ACD

89%D

81%

85%

91%AE

92%AHJ

85%

93%AHJ

88%H

95%ALN

81%

93%AL

91%AL

88%

93%AO

90%

208

46

67

91

51

152

84

125

40

168

15

72

27

88

92

86

204

4%BGNP

2%

5%B

6%AB

5%AF

4%

3%

5%AGIJ

4%

4%G

3%

7%AKMN

3%

3%

6%AP

3%

4%

350

55

82

202

90

208

119

232

40

310

113

33

149

104

124

329

7%BFGIKMN

3%

6%B

13%ABC

10%AF

5%

4%

10%AGIJ

4%

8%AGI

2%

12%AKMN

4%K

6%K

6%P

4%

6%

4520

2066

1224

1226

802

3600

2497

2023

996

3525

414

791

768

2453

1454

2788

4546

89%DEHJL

95%ACD

89%D

81%

85%

91%AE

92%AHJ

85%

93%AHJ

88%H

95%ALN

81%

93%AL

91%AL

88%

93%AO

90%

559

100

149

294

141

359

203

356

80

479

22

185

60

237

196

211

533

11%BFGIKMN

5%

11%B

19%ABC

15%AF

9%

8%

15%AGIJ

7%

12%AGI

5%

19%AKMN

7%

9%K

12%P

7%

10%

10% off

Don't know

P
Correct

Incorrect

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


C11 (odd) Suppose you saw the same television on sale at a discount in two different shops. The original purchase price of the television was 250. One shop is offering a discount of 30 off the
original price. Another is offering a discount of 10% off the original price. Which is the better deal - 30 off or 10% off?
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

30 off

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

418

406

441

705

620

257

365

470

433

693

653

247

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

468

72

3074

723

173

1109

5079

433

141*

3076

691

165

1147

5079

4520

186

508

395

373

334

442

370

594

577

214

388

139

2956

666

156

743

4546

89%EHIQ

88%

90%EHI

93%ABEHI

84%

91%EHI

94%ABCEH

85%

86%

88%E

87%

90%EI

98%ABCEF

96%AQ

96%AQ

95%AQ

65%

90%

JK
10% off

Don't know

IJKL

HIJKL

208

10

28

11

30

12

11

13

31

33

19

75

15

113

204

4%NO

5%

5%G

2%

7%ADFGH

3%

2%

3%

5%

5%DG

4%

4%

2%

2%

2%

3%

10%ANOP

4%

350

14

29

17

42

20

17

50

68

44

23

26

45

10

291

329

7%DGMNOP

7%M

5%M

4%

9%ACDFGM

5%M

4%

12%ABCDF

10%ACDFGJ

7%GM

9%CDGM

6%M

1%

1%

2%

25%ANOP

6%

GJLM

LM

Correct

4520

186

508

395

373

334

442

370

594

577

214

388

139

2956

666

156

743

4546

89%EHIQ

88%

90%EHI

93%ABEHI

84%

91%EHI

94%ABCEH

85%

86%

88%E

87%

90%EI

98%ABCEF

96%AQ

96%AQ

95%AQ

65%

90%

559

25

57

28

72

31

28

63

99

77

33

44

120

26

404

533

11%DGMNO

12%DGM

10%GM

7%

16%ACDFGJ

9%M

6%

15%ACDFG

14%ACDFG

12%DGM

13%DGM

10%GM

2%

4%

4%

5%

35%ANOP

10%

LM

JK
Incorrect

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Unweigh
ted total

Internet usage

IJKL

LM

HIJKL

Money Advice Service - Financial Capability Tracker Survey - FINAL


C11 (odd) Suppose you saw the same television on sale at a discount in two different shops. The original purchase price of the television was 250. One shop is offering a discount of 30 off the
original price. Another is offering a discount of 10% off the original price. Which is the better deal - 30 off or 10% off?
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Unweighted total

5079

3061

Weighted total

5079

2960

30 off

Mixed race
(D)

Asian (E)

141

39

153

147

40*

158

Black (F)

Other (G)

BME (H)

54

15

261

5079

59*

15**

273

5079

4520

2548

130

36

115

37

13

201

4546

89%BEFH

86%EFH

88%EFH

89%EFH

72%

63%

87%

74%

90%

10% off

208

145

20

204

4%

5%A

5%

6%

6%

13%ABC

7%

7%A

4%

Don't know

350

267

11

35

14

52

329

7%

9%A

7%

5%

22%ABCD

24%ABCD

6%

19%ABCD

6%

Correct

4520

2548

130

36

115

37

13

201

4546

89%BEFH

86%EFH

88%EFH

89%EFH

72%

63%

87%

74%

90%

Incorrect

559

412

17

44

22

72

533

11%

14%A

12%

11%

28%ABCD

37%ABCD

13%

26%ABCD

10%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C9 In your household, are you responsible for paying bills?
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Yes - I pay all or some of the bills

4113

2076

2037

285

701

770

789

1567

2102

2010

1774

280

292

114

27

32

4151

81%CDJK

84%AC

78%

47%

81%D

88%ADEH

87%ADE

85%ADE

83%AJ

79%

75%

92%AK

95%AK

97%AK

100%

100%AK

82%

966

393

574

317

165

100

114

270

428

539

584

26

16

928

19%BFGHIL

16%

22%AB

53%AEFGH

19%FGH

12%

13%

15%F

17%

21%AI

25%ALMNP

8%

5%

3%

18%

No - I am not personally responsible for


paying any bills; someone else does it for
me

MNP
Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C9 In your household, are you responsible for paying bills?
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Yes - I pay all or some of the bills

4113

1842

968

1296

792

3212

2288

1825

945

3168

133

830

712

2350

1409

2414

4151

81%CHJK

85%AC

71%

85%AC

84%AF

81%

85%AHJ

77%

88%AGHJ

79%H

31%

85%AK

86%AK

87%AK

85%AP

81%

82%

966

324

405

223

152

748

412

554

131

835

302

146

115

340

241

584

928

19%BDEGIL

15%

29%ABD

15%

16%

19%E

15%I

23%AGIJ

12%

21%AGI

69%ALMN

15%

14%

13%

15%

19%O

18%

No - I am not personally responsible for


paying any bills; someone else does it for
me

MNO
Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


C9 In your household, are you responsible for paying bills?
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

Yes - I pay all or some of the bills

4113

173

445

354

81%EQ

82%

79%

84%E

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

341

289

373

346

569

532

208

356

127

2532

590

140

851

4151

77%

79%

80%

80%

82%E

81%

84%E

82%E

90%ACEFG

82%AQ

85%AQ

85%Q

74%

82%

H
No - I am not personally responsible for
paying any bills; someone else does it for
me

966

37

120

70

104

77

96

87

124

121

40

76

14

544

101

25

295

928

19%MNO

18%

21%M

16%

23%ADIKL

21%M

20%M

20%M

18%

19%

16%

18%

10%

18%

15%

15%

26%ANOP

18%

M
Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


C9 In your household, are you responsible for paying bills?
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

Yes - I pay all or some of the bills

4113

2508

132

36

106

45

11

198

4151

81%EH

85%AEH

90%AEFH

89%EH

67%

76%

72%

73%E

82%

966

452

15

52

14

75

928

19%BC

15%

10%

11%

33%ABCDH

24%C

28%

27%ABCD

18%

No - I am not personally responsible for


paying any bills; someone else does it for
me

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C10a Here are some things that other people have said about paying bills. Please indicate how strongly you agree or disagree with them.
I am never late in paying my bills
Base: all those who pay bills

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

Unweighted total

4151

2107

2044

269

620

764

746

1752

2126

2025

1789

273

284

112

27

33

4151

Weighted total

4113

2076

2037

285

701

770

789

1567

2102

2010

1774

280

292

114

27**

32*

4151

Strongly agree

2121

1058

1062

138

331

354

384

915

1223

898

899

164

183

74

17

21

2165

52%EFJ

51%

52%

48%

47%

46%

49%

58%ADEFG

58%AJ

45%

51%

59%AK

63%AK

65%AK

62%

65%

52%

1048

532

516

76

189

200

193

391

527

522

461

67

61

24

1043

25%

26%

25%

27%

27%

26%

24%

25%

25%

26%

26%

24%

21%

21%

26%

26%

25%

414

221

193

36

80

113

83

102

154

260

159

21

22

412

10%HIKN

11%

9%

13%H

11%H

15%AGH

11%H

6%

7%

13%AI

9%

8%

7%

4%

4%

3%

10%

330

161

168

24

61

72

89

83

123

207

151

17

12

330

8%HIM

8%

8%

8%H

9%H

9%H

11%AH

5%

6%

10%AI

8%M

6%

4%

5%

8%

8%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

40,000 to
49,999 (O)

50,000+ (P)

183

93

91

10

39

30

39

67

70

113

94

11

14

184

4%I

4%

4%

3%

6%

4%

5%

4%

3%

6%AI

5%A

4%

5%

4%

6%

4%

17

10

10

11

10

17

1%

1%

1%A

1%

1%

3169

1590

1579

214

520

554

577

1305

1750

1419

1361

231

244

98

24

29

3208

77%FGJ

77%

77%

75%

74%

72%

73%

83%ADEFG

83%AJ

71%

77%

83%AK

84%AK

86%AK

88%

91%

77%

Don't know

Agree

Disagree

513

254

259

34

100

102

128

149

193

320

245

27

26

11

514

12%HI

12%

13%

12%

14%H

13%H

16%AH

10%

9%

16%AI

14%AM

10%

9%

9%

8%

6%

12%

2656

1337

1319

180

419

452

449

1156

1556

1100

1116

204

219

87

21

28

2694

65%EFGJ

64%

65%

63%

60%

59%

57%

74%ADEFG

74%AJ

55%

63%

73%AK

75%AK

77%AK

80%

85%AK

65%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C10a Here are some things that other people have said about paying bills. Please indicate how strongly you agree or disagree with them.
I am never late in paying my bills
Base: all those who pay bills

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

4151

1784

951

1409

817

3228

2332

1819

894

3257

123

851

686

2405

1427

2443

4151

Weighted total

4113

1842

968

1296

792

3212

2288

1825

945

3168

133

830

712

2350

1409

2414

4151

Strongly agree

2121

954

375

791

399

1690

1237

883

415

1706

65

304

284

1430

585

1410

2165

52%CHILMO

52%C

39%

61%ABC

50%

53%A

54%AHI

48%I

44%

54%AHI

49%L

37%

40%

61%AKLM

42%

58%AO

52%

1048

482

261

304

180

839

578

470

263

785

44

226

195

564

369

602

1043

25%DEN

26%

27%

23%

23%

26%

25%

26%

28%

25%

33%N

27%

27%

24%

26%

25%

25%

414

200

140

72

89

300

216

198

122

292

12

126

100

159

183

184

412

10%DFJNP

11%D

14%ABD

6%

11%

9%

9%

11%J

13%AGJ

9%

9%

15%AN

14%AN

7%

13%AP

8%

10%
330

Tend to agree

Neither agree nor disagree

Tend to disagree

330

142

126

59

81

236

166

164

103

226

115

89

114

176

129

8%DFGJNP

8%D

13%ABD

5%

10%AF

7%

7%

9%AGJ

11%AGJ

7%

5%

14%AKN

12%AKN

5%

12%AP

5%

8%

183

62

62

60

40

136

85

98

41

143

56

41

77

91

81

184

4%BGNP

3%

6%AB

5%

5%

4%

4%

5%AGJ

4%

5%G

4%

7%AN

6%N

3%

6%AP

3%

4%

17

11

11

15

17

*BN

1%AB

1%

*G

1%

1%

3169

1435

636

1095

579

2529

1815

1354

678

2491

109

530

479

1994

955

2013

3208

77%CEHILM

78%C

66%

85%ABC

73%

79%AE

79%AHI

74%

72%

79%AHI

82%LM

64%

67%

85%ALM

68%

83%AO

77%

Strongly disagree

Don't know

Agree

O
Disagree

513

204

188

119

121

373

251

262

144

369

13

170

129

191

267

209

514

12%BDFGJN

11%

19%ABD

9%

15%AF

12%

11%

14%AGJ

15%AGJ

12%

9%

21%AKN

18%AKN

8%

19%AP

9%

12%

P
Net agree

2656

1231

448

976

458

2156

1564

1091

534

2122

96

360

349

1803

687

1803

2694

65%CEHILM

67%AC

46%

75%ABC

58%

67%AE

68%AHI

60%

57%

67%AHI

72%LM

43%

49%L

77%ALM

49%

75%AO

65%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


C10a Here are some things that other people have said about paying bills. Please indicate how strongly you agree or disagree with them.
I am never late in paying my bills
Base: all those who pay bills

Region
Yorkshire
and
Humberside
(D)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

4151

196

496

343

331

Weighted total

4113

173

445

354

341

Strongly agree

2121

101

194

200

52%CJQ

58%CJM

44%

1048

34

25%N
414
10%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

Agree

Disagree

Net agree

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

334

327

357

586

510

217

289

373

346

569

532

208

181

148

189

194

312

242

56%CJ

53%CJ

51%C

51%

56%CJ

55%CJ

131

83

89

79

96

74

20%

29%ABHIK

24%

26%

27%K

26%

19

46

33

26

26

37

11%

10%

9%

8%

9%

10%

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

389

65

2551

619

148

833

4151

356

127*

2532

590

140

851

4151

117

186

55

1353

310

68

390

2165

45%

57%CJ

52%CJ

44%

53%AQ

53%Q

48%

46%

52%

133

155

41

88

44

613

161

41

234

1043

21%

23%

29%ABHIK

20%

25%

35%BHIK

24%

27%

29%

27%

25%

38

62

61

18

32

15

270

57

13

75

412

11%

11%

11%

9%

9%

12%

11%

10%

9%

9%

10%

330

10

50

29

26

20

33

27

44

50

14

20

184

48

16

82

330

8%N

6%

11%ABFL

8%

8%

7%

9%

8%

8%

9%L

7%

6%

4%

7%

8%

11%

10%N

8%

183

22

17

14

17

11

15

23

13

29

108

14

59

184

4%DIO

5%

5%D

2%

5%D

5%

4%

3%

3%

4%

6%DI

8%ADGHIJ

5%

4%O

2%

2%

7%ANOP

4%

17

12

17

*N

1%

1%

2%ACIJ

1%ANO

3169

135

325

283

270

227

285

268

446

397

159

274

100

1966

471

108

624

3208

77%CQ

78%

73%

80%C

79%

79%

76%

78%

78%C

75%

76%

77%

79%

78%Q

80%Q

77%

73%

77%

513

19

72

36

44

34

49

38

60

73

27

49

12

292

62

19

141

514

12%N

11%

16%ADHI

10%

13%

12%

13%

11%

10%

14%

13%

14%

9%

12%

10%

14%

17%ANO

12%

2656

116

253

247

226

193

236

230

386

324

131

225

88

1674

410

90

483

2694

65%CQ

67%C

57%

70%ACJ

66%C

67%C

63%

67%C

68%CJ

61%

63%

63%

69%

66%AQ

69%AQ

64%

57%

65%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

West
East
Midlands (E) Midlands (F)

Unweigh
ted total

Internet usage

Money Advice Service - Financial Capability Tracker Survey - FINAL


C10a Here are some things that other people have said about paying bills. Please indicate how strongly you agree or disagree with them.
I am never late in paying my bills
Base: all those who pay bills

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Unweighted total

Asian (E)

4151

2618

Weighted total

4113

2508

127

35

103

132

36*

106

Strongly agree

2121

1362

77

12

40

52%DEFH

54%ADEFH

59%DEFH

32%

1048

616

30

25%

25%

414

206

10%B

8%

330

196

8%

8%

5%

11%

183

116

4%

5%

6%

3%

17

12

3169

1978

77%DFH

79%ADFH

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

Agree

Disagree

Net agree

Black (F)

Other (G)

BME (H)

41

11

190

4151

45*

11**

198

4151

67

2165

38%

20%

57%

34%F

52%

37

18

68

1043

23%

25%

35%AB

41%ABC

35%

34%ABC

25%

10

10

13

33

412

8%

28%ABCEH

13%

18%B

8%

16%ABC

10%

11

21

330

11%

13%

11%

8%

184

4%

4%

4%

4%

17

4%ABCE

1%

108

20

77

27

10

135

3208

82%DFH

57%

72%

61%

92%

68%

77%

513

312

14

16

29

514

12%

12%

11%

14%

15%

17%

14%

12%

2656

1666

94

15

61

20

10

106

2694

65%DFH

66%ADFH

71%DEFH

43%

57%

44%

92%

54%

65%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C10b Here are some things that other people have said about paying bills. Please indicate how strongly you agree or disagree with them.
I am happy to pay bills by direct debit
Base: all those who pay bills

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

Unweighted total

4151

2107

2044

269

620

764

746

1752

2126

2025

1789

273

284

112

27

33

4151

Weighted total

4113

2076

2037

285

701

770

789

1567

2102

2010

1774

280

292

114

27**

32*

4151

Strongly agree

2129

1077

1052

135

368

411

410

804

1281

848

854

190

213

85

25

20

2175

52%JK

52%

52%

47%

52%

53%

52%

51%

61%AJ

42%

48%

68%AK

73%AK

74%AK

94%

62%

52%

1037

516

521

78

177

196

195

390

489

548

450

53

56

20

1030

25%ILM

25%

26%

27%

25%

25%

25%

25%

23%

27%AI

25%LM

19%

19%

18%

3%

20%

25%

368

191

177

32

81

73

78

105

150

217

151

20

362

9%HIMN

9%

9%

11%H

11%AH

9%H

10%H

7%

7%

11%AI

9%MN

7%MN

3%

2%

3%

9%

283

146

137

30

37

53

56

107

106

177

155

279

7%ILM

7%

7%

11%AEFH

5%

7%

7%

7%

5%

9%AI

9%ALM

3%

3%

5%

2%

7%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

40,000 to
49,999 (O)

50,000+ (P)

267

130

137

35

33

44

147

68

198

147

274

6%DFILMN

6%

7%

2%

5%

4%

6%D

9%ADEFG

3%

10%AI

8%ALMN

3%

2%

2%

16%ALMN

7%

30

16

15

14

21

17

31

1%I

1%

1%

1%

1%

1%

1%AI

1%

1%

3165

1593

1572

213

545

608

606

1194

1769

1396

1305

243

270

105

26

26

3205

77%JK

77%

77%

75%

78%

79%

77%

76%

84%AJ

69%

74%

87%AK

92%AKLP

92%AK

97%

81%

77%

Don't know

Agree

Disagree

549

276

273

37

72

86

101

254

174

375

302

17

14

553

13%EFILMN

13%

13%

13%

10%

11%

13%

16%AEFG

8%

19%AI

17%ALMN

6%

5%

6%

19%LMN

13%

2616

1317

1299

176

473

522

505

940

1595

1021

1003

226

256

98

26

20

2652

64%HJK

63%

64%

62%

67%AH

68%AH

64%

60%

76%AJ

51%

57%

81%AKP

88%AKLP

86%AKP

97%

63%

64%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C10b Here are some things that other people have said about paying bills. Please indicate how strongly you agree or disagree with them.
I am happy to pay bills by direct debit
Base: all those who pay bills

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

4151

1784

951

1409

817

3228

2332

1819

894

3257

123

851

686

2405

1427

2443

4151

Weighted total

4113

1842

968

1296

792

3212

2288

1825

945

3168

133

830

712

2350

1409

2414

4151

Strongly agree

2129

1059

375

693

377

1720

1302

827

519

1610

69

278

323

1430

626

1394

2175

52%CEHJLM

57%ACD

39%

54%C

48%

54%AE

57%AHJ

45%

55%AHJ

51%H

52%L

33%

45%L

61%AKLM

44%

58%AO

52%

O
Tend to agree

1037

468

253

313

186

815

563

473

250

787

46

221

184

566

365

604

1030

25%

25%

26%

24%

24%

25%

25%

26%

26%

25%

34%AN

27%

26%

24%

26%

25%

25%

368

149

147

72

73

275

171

197

88

280

12

107

86

140

158

164

362

9%DGNP

8%D

15%ABD

6%

9%

9%

7%

11%AGJ

9%G

9%G

9%

13%AN

12%AN

6%

11%AP

7%

9%

283

98

99

83

65

211

138

145

52

231

98

66

111

116

135

279

7%BGKNP

5%

10%ABD

6%

8%

7%

6%

8%AGI

5%

7%G

2%

12%AKN

9%AKN

5%

8%AP

6%

7%

267

60

84

123

81

172

104

162

32

234

115

46

97

135

105

274

6%BFGIKNP

3%

9%AB

9%AB

10%AF

5%

5%

9%AGIJ

3%

7%AGI

1%

14%AKMN

6%KN

4%

10%AP

4%

7%

30

10

12

19

11

20

26

12

10

13

31

1%BGN

1%

1%

1%

1%

1%AG

1%G

2%N

1%AN

1%N

1%

1%

1%

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

Agree

3165

1527

628

1006

564

2535

1865

1300

769

2396

115

499

507

1996

991

1998

3205

77%CEHJLM

83%ACD

65%

78%C

71%

79%AE

82%AHJ

71%

81%AHJ

76%H

86%ALM

60%

71%L

85%ALM

70%

83%AO

77%

O
Disagree

549

158

183

206

147

384

242

308

84

465

212

112

208

251

240

553

13%BFGIKNP

9%

19%AB

16%AB

19%AF

12%

11%

17%AGIJ

9%

15%AGI

3%

26%AKMN

16%AKN

9%K

18%AP

10%

13%

Net agree

2616

1369

446

800

417

2151

1623

993

685

1931

111

287

394

1788

740

1758

2652

64%CEHJLM

74%ACD

46%

62%C

53%

67%AE

71%AHJ

54%

72%AHJ

61%H

83%ALM

35%

55%L

76%ALM

53%

73%AO

64%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


C10b Here are some things that other people have said about paying bills. Please indicate how strongly you agree or disagree with them.
I am happy to pay bills by direct debit
Base: all those who pay bills

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

4151

196

496

343

331

Weighted total

4113

173

445

354

341

Strongly agree

2129

93

202

212

52%CJQ

54%J

45%

60%ACEJK

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

334

327

357

586

510

217

389

65

2551

619

148

833

4151

289

373

346

569

532

208

356

127*

2532

590

140

851

4151

170

168

203

196

305

235

99

177

69

1480

298

66

284

2175

50%

58%ACEJK

54%CJ

57%CJK

54%CJ

44%

48%

50%

54%

58%AOPQ

51%Q

47%Q

33%

52%

L
Tend to agree

Neither agree nor disagree

Tend to disagree

Unweigh
ted total

Internet usage
Northern Several times
Ireland (M)
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

1037

44

128

73

89

65

89

83

136

152

50

89

41

595

175

40

226

1030

25%DN

25%

29%DF

21%

26%

22%

24%

24%

24%

29%D

24%

25%

33%D

24%

30%AN

28%

27%

25%

368

15

41

29

33

23

34

30

50

58

18

26

11

212

54

20

82

362

9%

9%

9%

8%

10%

8%

9%

9%

9%

11%

9%

7%

8%

8%

9%

14%AN

10%

9%

283

46

18

28

11

18

17

42

55

14

22

135

36

102

279

7%FN

5%

10%ABDFGHL

5%

8%F

4%

5%

5%

7%F

10%ABDFGH

7%

6%

3%

5%

6%

7%

12%ANO

7%

L
Strongly disagree

Don't know

Agree

267

13

25

19

18

21

26

18

33

29

22

40

99

24

138

274

6%NO

7%

6%

5%

5%

7%

7%

5%

6%

6%

11%ACDEH

11%ACDEGH

2%

4%

4%

4%

16%ANOP

7%

IJM

IJM

30

19

31

1%N

1%

1%

1%

1%

1%

1%

1%

2%ABI

1%

2%ANO

1%

3165

137

330

285

259

232

292

279

441

387

149

265

110

2075

473

106

511

3205

77%JQ

79%

74%

81%CJK

76%

80%CJK

78%

81%CJKL

77%

73%

72%

74%

87%CJKL

82%AQ

80%AQ

76%Q

60%

77%

549

21

71

37

46

32

43

35

76

84

36

62

235

60

14

240

553

13%MNO

12%

16%DHM

10%

13%M

11%

12%

10%

13%M

16%DHM

18%DFHM

17%ADFGHM

5%

9%

10%

10%

28%ANOP

13%

Disagree

Net agree

2616

116

258

248

213

200

249

244

365

303

112

203

104

1840

413

92

271

2652

64%CJKLQ

67%CJKL

58%

70%ACEJK

62%

69%ACJKL

67%CJKL

70%ACEIJ

64%CJKL

57%

54%

57%

82%ABCEF

73%AQ

70%AQ

66%Q

32%

64%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

KL

GIJKL

Money Advice Service - Financial Capability Tracker Survey - FINAL


C10b Here are some things that other people have said about paying bills. Please indicate how strongly you agree or disagree with them.
I am happy to pay bills by direct debit
Base: all those who pay bills

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Unweighted total

Asian (E)

4151

2618

Weighted total

4113

2508

127

35

103

132

36*

106

Strongly agree

2129

1313

66

13

39

52%EFH

52%EFH

50%FH

36%

1037

613

28

25%

24%

368

188

9%B

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

Agree

Black (F)

Other (G)

BME (H)

41

11

190

4151

45*

11**

198

4151

11

69

2175

37%

24%

55%

35%

52%

33

16

59

1030

22%

24%

31%

36%

8%

30%

25%

16

14

30

362

8%

12%

15%

13%B

15%

37%

15%AB

9%

283

169

10

16

28

279

7%

7%

7%

19%AB

15%AB

13%

14%AB

7%

267

207

11

274

6%

8%AE

9%

6%

3%

7%

4%

7%

30

18

31

1%

1%

1%

2%

4%AB

2%

1%

3165

1926

94

22

72

27

128

3205

77%DEFH

77%DEFH

71%

60%

68%

61%

63%

65%

77%

Disagree

Net agree

549

375

21

19

36

553

13%

15%A

16%

25%A

17%

20%

18%A

13%

2616

1550

73

13

53

18

91

2652

64%BCDEFH

62%DEFH

55%D

35%

50%

41%

63%

46%

64%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C10c Here are some things that other people have said about paying bills. Please indicate how strongly you agree or disagree with them.
I ensure that I have enough money available to pay for bills when they are due
Base: all those who pay bills

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

Unweighted total

4151

2107

2044

269

620

764

746

1752

2126

2025

1789

273

284

112

27

33

4151

Weighted total

4113

2076

2037

285

701

770

789

1567

2102

2010

1774

280

292

114

27**

32*

4151

Strongly agree

2405

1198

1207

150

375

422

446

1013

1387

1018

1016

193

195

85

20

25

2452

58%DEFJ

58%

59%

52%

53%

55%

56%

65%ADEFG

66%AJ

51%

57%

69%AK

67%AK

75%AK

76%

79%AK

59%

1154

566

587

95

207

231

232

388

521

632

506

72

73

20

1149

28%HIN

27%

29%

33%AH

30%H

30%H

29%H

25%

25%

31%AI

29%N

26%

25%

17%

20%

16%

28%

327

178

148

27

79

81

63

77

118

208

139

12

10

321

8%HILMN

9%

7%

9%H

11%AGH

11%AH

8%H

5%

6%

10%AI

8%LMN

4%

3%

3%

4%

8%

122

72

50

10

24

27

28

33

40

83

62

119

3%HIL

3%

2%

3%

3%

4%H

4%H

2%

2%

4%AI

4%L

1%

3%L

4%L

3%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

40,000 to
49,999 (O)

50,000+ (P)

87

49

38

15

20

42

30

57

41

91

2%FIL

2%

2%

1%

2%

1%

2%F

3%AF

1%

3%AI

2%L

2%

1%

6%L

2%

18

11

13

12

11

19

1%

1%AG

1%

1%

3559

1765

1794

245

582

653

678

1401

1908

1650

1521

265

268

105

26

30

3601

87%BEJ

85%

88%AB

86%

83%

85%

86%

89%AEFG

91%AJ

82%

86%

95%AK

92%AK

92%

96%

94%

87%
210

Don't know

Agree

Disagree

209

121

88

13

39

34

48

76

69

140

103

14

5%CIL

6%AC

4%

5%

6%

4%

6%

5%

3%

7%AI

6%L

1%

5%L

5%L

6%L

5%

3349

1643

1706

232

543

620

630

1325

1839

1510

1418

262

254

99

26

28

3391

81%BEJK

79%

84%AB

81%

77%

80%

80%

85%AEFG

87%AJ

75%

80%

94%AKMN

87%AK

87%

96%

88%

82%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C10c Here are some things that other people have said about paying bills. Please indicate how strongly you agree or disagree with them.
I ensure that I have enough money available to pay for bills when they are due
Base: all those who pay bills

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

4151

1784

951

1409

817

3228

2332

1819

894

3257

123

851

686

2405

1427

2443

4151

Weighted total

4113

1842

968

1296

792

3212

2288

1825

945

3168

133

830

712

2350

1409

2414

4151

Strongly agree

2405

1095

444

866

460

1913

1408

997

491

1914

84

381

334

1570

703

1566

2452

58%CHILMO

59%C

46%

67%ABC

58%

60%A

62%AHI

55%

52%

60%AHI

63%LM

46%

47%

67%ALM

50%

65%AO

59%

1154

528

322

301

213

901

600

554

306

848

37

277

238

579

443

618

1149

28%DGJNP

29%D

33%ABD

23%

27%

28%

26%

30%AGJ

32%AGJ

27%

28%

33%AN

33%AN

25%

31%AP

26%

28%

327

141

124

59

72

229

159

168

99

228

97

90

111

157

126

321

8%DFGJNP

8%D

13%ABD

5%

9%

7%

7%

9%AGJ

10%AGJ

7%

7%

12%AN

13%AN

5%

11%AP

5%

8%

122

53

46

23

26

93

67

55

34

89

42

28

45

65

49

119

3%DNP

3%

5%ABD

2%

3%

3%

3%

3%

4%

3%

2%

5%AN

4%N

2%

5%AP

2%

3%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

87

24

28

35

18

65

47

40

15

71

27

18

41

35

48

91

2%BN

1%

3%B

3%B

2%

2%

2%

2%

2%

2%

3%AKN

3%

2%

2%

2%

2%
19

18

12

11

11

18

*BIN

1%AB

1%

1%I

1%AGI

1%N

1%

3559

1622

766

1167

672

2814

2008

1551

797

2762

121

658

572

2149

1147

2184

3601

87%CHILMO

88%AC

79%

90%AC

85%

88%AE

88%AHI

85%

84%

87%AHI

91%LM

79%

80%

91%ALM

81%

90%AO

87%
210

Agree

Disagree

209

77

74

59

43

158

114

95

49

160

69

46

86

100

97

5%BNP

4%

8%ABD

5%

5%

5%

5%

5%

5%

5%

2%

8%AKN

6%N

4%

7%AP

4%

5%

3349

1546

692

1108

629

2657

1893

1456

748

2601

118

589

526

2063

1047

2086

3391

81%CHLMO

84%AC

71%

86%AC

79%

83%AE

83%AHI

80%

79%

82%AHI

88%ALM

71%

74%

88%ALM

74%

86%AO

82%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


C10c Here are some things that other people have said about paying bills. Please indicate how strongly you agree or disagree with them.
I ensure that I have enough money available to pay for bills when they are due
Base: all those who pay bills

Region

Total (A)

NorthWest
NorthEast (B)
(C)

Yorkshire
and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern Several times Once a day 2 to 5 times a Once a week


Ireland (M)
a day (N)
(O)
week (P)
or less (Q)

Unweighted total

4151

196

496

343

331

334

327

357

586

510

217

389

65

2551

619

148

833

4151

Weighted total

4113

173

445

354

341

289

373

346

569

532

208

356

127*

2532

590

140

851

4151

Strongly agree

2405

105

230

229

200

165

223

222

351

277

121

212

70

1550

343

78

435

2452

58%CJQ

61%CJ

52%

65%ACFJ

59%

57%

60%CJ

64%ACJ

62%CJ

52%

58%

59%CJ

55%

61%AQ

58%Q

55%

51%

59%

1154

42

147

93

86

81

110

80

149

171

60

100

34

672

174

43

264

1149

28%HN

24%

33%ABDEHI

26%

25%

28%

29%

23%

26%

32%ABEHI

29%

28%

27%

27%

30%

31%

31%AN

28%

327

15

38

17

36

27

24

26

45

53

13

19

12

189

48

13

77

321

8%DL

9%

9%D

5%

11%DL

9%DL

6%

8%

8%

10%DL

6%

5%

10%

7%

8%

9%

9%

8%

122

24

10

14

15

10

70

13

34

119

3%

3%

5%AEFGIK

3%

2%

2%

2%

3%

3%

3%

2%

3%

7%

3%

2%

5%

4%

3%

87

11

14

14

48

11

28

91

2%

3%

1%

1%

3%CD

3%CD

2%

2%

1%

3%

3%

4%ACDI

2%

2%

2%

3%ANP

2%
19

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

Agree

18

14

*N

1%

2%AJ

1%

2%ANO

3559

147

377

322

285

247

333

302

500

449

181

312

104

2222

517

121

699

3601

87%Q

85%

85%

91%ABCEF

84%

85%

89%E

87%

88%

84%

87%

87%

82%

88%AQ

88%Q

86%

82%

87%

210

JM
Disagree

Net agree

209

10

28

13

19

14

14

16

21

30

10

24

11

117

24

62

5%

6%

6%

4%

5%

5%

4%

5%

4%

6%

5%

7%I

8%

5%

4%

5%

7%ANO

5%

3349

138

349

309

267

232

319

286

478

419

171

288

93

2105

493

114

637

3391

81%Q

80%

78%

87%ABCEF

78%

81%

85%CEJM

83%

84%CEJM

79%

82%

81%

74%

83%AQ

84%Q

82%

75%

82%

JLM

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


C10c Here are some things that other people have said about paying bills. Please indicate how strongly you agree or disagree with them.
I ensure that I have enough money available to pay for bills when they are due
Base: all those who pay bills

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Unweighted total

Asian (E)

4151

2618

Weighted total

4113

2508

127

35

103

132

36*

106

Strongly agree

2405

1521

86

13

41

58%DEFH

61%ADEFH

65%DEFH

37%

1154

693

29

28%

28%

327

167

8%B

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Black (F)

Other (G)

BME (H)

41

11

190

4151

45*

11**

198

4151

15

73

2452

39%

33%

36%

37%

59%

16

38

19

79

1149

22%

45%ABC

36%C

42%ABC

55%

40%ABC

28%

11

19

31

321

7%

8%

15%B

18%ABC

16%B

16%AB

8%

122

61

119

3%B

2%

1%

3%

5%

4%

9%

5%

3%

87

52

91

2%

2%

4%

3%

2%

2%

18

15

19

1%

4%ABCE

1%

3559

2214

115

29

79

34

10

152

3601

87%EFH

88%AEFH

87%EH

82%

74%

76%

91%

77%

87%
210

Don't know

Agree

Disagree

Net agree

209

113

12

5%B

5%

5%

3%

8%

4%

9%

6%

5%

3349

2101

109

28

70

32

140

3391

81%EH

84%AEFH

83%EH

79%

66%

72%

81%

71%

82%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C10d Here are some things that other people have said about paying bills. Please indicate how strongly you agree or disagree with them.
I sometimes have to choose which bill I pay first because I can't cover them all at once
Base: all those who pay bills

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

Unweighted total

4151

2107

2044

269

620

764

746

1752

2126

2025

1789

273

284

112

27

33

4151

Weighted total

4113

2076

2037

285

701

770

789

1567

2102

2010

1774

280

292

114

27**

32*

4151

Strongly agree

241

100

141

23

62

46

51

58

82

159

120

234

6%BHIM

5%

7%AB

8%H

9%AFH

6%H

6%H

4%

4%

8%AI

7%ALM

3%

2%

5%

4%

7%

6%

531

268

264

43

102

116

116

155

175

357

256

29

22

530

13%HIMN

13%

13%

15%H

14%H

15%H

15%H

10%

8%

18%AI

14%AMN

10%

7%

5%

6%

13%

525

271

254

44

101

123

87

169

202

323

211

23

17

521

13%HILMN

13%

12%

15%H

14%H

16%AGH

11%

11%

10%

16%AI

12%MN

8%N

6%

2%

15%

6%

13%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

40,000 to
49,999 (O)

50,000+ (P)

916

469

447

68

154

176

172

346

482

434

398

64

66

19

924

22%

23%

22%

24%

22%

23%

22%

22%

23%

22%

22%

23%

23%

17%

12%

25%

22%

1865

948

917

106

278

304

358

818

1148

717

768

152

178

80

19

17

1908

45%DEFJK

46%

45%

37%

40%

40%

45%DEF

52%ADEFG

55%AJ

36%

43%

54%AK

61%AK

70%AKL

70%

53%

46%

34

20

14

20

13

21

21

34

1%

1%

1%

1%

1%

1%

1%A

1%

1%

1%A

1%

3%

1%

Don't know

Agree

772

367

405

65

164

162

167

214

257

516

376

39

28

12

764

19%HILMN

18%

20%

23%H

23%AH

21%H

21%H

14%

12%

26%AI

21%ALMN

14%

10%

11%

4%

14%

18%
2832

Disagree

2781

1417

1365

174

432

481

530

1164

1631

1151

1166

217

244

99

22

25

68%DEFJK

68%

67%

61%

62%

62%

67%E

74%ADEFG

78%AJ

57%

66%

77%AK

84%AK

87%AKL

81%

78%

68%

-2009

-1050

-960

-109

-268

-319

-363

-950

-1374

-635

-790

-178

-216

-87

-21

-21

-2068

-49%

-51%

-47%

-38%

-38%

-41%

-46%

-61%

-65%

-32%

-45%

-64%

-74%

-77%

-77%

-65%

-50%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C10d Here are some things that other people have said about paying bills. Please indicate how strongly you agree or disagree with them.
I sometimes have to choose which bill I pay first because I can't cover them all at once
Base: all those who pay bills

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

4151

1784

951

1409

817

3228

2332

1819

894

3257

123

851

686

2405

1427

2443

4151

Weighted total

4113

1842

968

1296

792

3212

2288

1825

945

3168

133

830

712

2350

1409

2414

4151

Strongly agree

241

89

110

40

65

166

101

140

71

169

88

62

81

138

86

234

6%BDFGJNP

5%D

11%ABD

3%

8%AF

5%

4%

8%AGJ

8%AGJ

5%G

5%

11%AN

9%AN

3%

10%AP

4%

6%

531

225

192

114

123

390

259

273

163

369

20

163

133

202

282

209

530

13%DFGJNP

12%D

20%ABD

9%

16%AF

12%

11%

15%AGJ

17%AGJ

12%

15%N

20%AN

19%AN

9%

20%AP

9%

13%

525

230

165

126

112

375

258

267

135

390

19

153

116

212

210

235

521

13%DFGNP

13%D

17%ABD

10%

14%

12%

11%

15%AGJ

14%G

12%

15%N

18%AN

16%AN

9%

15%AP

10%

13%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

916

444

198

273

160

734

514

402

210

706

30

182

158

528

307

551

924

22%

24%ACD

20%

21%

20%

23%

22%

22%

22%

22%

22%

22%

22%

22%

22%

23%

22%

1865

847

295

724

325

1523

1141

724

363

1502

56

233

237

1313

464

1314

1908

45%CEHILM

46%C

30%

56%ABC

41%

47%AE

50%AHIJ

40%

38%

47%AHI

42%L

28%

33%L

56%AKLM

33%

54%AO

46%

O
Don't know

Agree

34

19

24

15

20

32

11

13

19

34

1%BIN

1%

1%AB

1%

1%

1%

1%I

1%AGI

1%

1%N

1%

1%

1%

1%

1%

772

314

302

154

188

556

360

412

234

538

27

251

195

283

420

295

764

19%BDFGJN

17%D

31%ABD

12%

24%AF

17%

16%

23%AGJ

25%AGJ

17%

20%N

30%AKN

27%AN

12%

30%AP

12%

18%

P
Disagree

2781

1291

492

997

485

2257

1655

1126

573

2208

86

415

395

1841

771

1865

2832

68%CEHILM

70%AC

51%

77%ABC

61%

70%AE

72%AHIJ

62%

61%

70%AHI

65%L

50%

55%L

78%AKLM

55%

77%AO

68%

O
Net agree

-2009

-977

-191

-843

-297

-1701

-1295

-714

-339

-1670

-59

-164

-200

-1558

-350

-1570

-2068

-49%

-53%

-20%

-65%

-37%

-53%

-57%

-39%

-36%

-53%

-45%

-20%

-28%

-66%

-25%

-65%

-50%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


C10d Here are some things that other people have said about paying bills. Please indicate how strongly you agree or disagree with them.
I sometimes have to choose which bill I pay first because I can't cover them all at once
Base: all those who pay bills

Region

Total (A)

NorthWest
NorthEast (B)
(C)

Yorkshire
and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern Several times Once a day 2 to 5 times a Once a week


Ireland (M)
a day (N)
(O)
week (P)
or less (Q)

Unweighted total

4151

196

496

343

331

334

327

357

586

510

217

389

65

2551

619

148

833

4151

Weighted total

4113

173

445

354

341

289

373

346

569

532

208

356

127*

2532

590

140

851

4151

Strongly agree

241

26

14

17

18

19

13

25

46

16

29

134

34

67

234

6%

5%

6%

4%

5%

6%

5%

4%

4%

9%ADEHI

8%H

8%DHI

7%

5%

6%

4%

8%AN

6%

531

19

91

34

39

29

39

45

62

99

29

32

13

293

60

16

162

530

13%LNO

11%

21%ABDEFGH

10%

12%

10%

10%

13%

11%

19%ABDEF

14%

9%

10%

12%

10%

12%

19%ANOP

13%

Tend to agree

IKLM
Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

Agree

GHIL

525

18

66

45

45

46

44

42

76

72

14

39

17

299

76

26

124

521

13%KN

10%

15%K

13%K

13%K

16%K

12%

12%K

13%K

14%K

7%

11%

13%

12%

13%

18%AN

15%N

13%

916

41

86

80

77

63

78

71

143

117

49

84

28

571

154

24

167

924

22%Q

24%

19%

23%

23%

22%

21%

20%

25%C

22%

23%

24%

22%

23%

26%APQ

17%

20%

22%

1865

83

175

178

160

131

190

174

257

194

96

169

59

1224

260

68

313

1908

45%CJQ

48%CJ

39%

50%CJ

47%CJ

45%J

51%ACJ

50%ACJ

45%J

36%

46%J

47%CJ

47%

48%AQ

44%Q

49%Q

37%

46%

34

11

18

34

1%N

2%CH

1%

1%

1%

1%

1%

1%

2%

1%

1%

1%

2%AN

1%

772

27

117

48

57

47

58

58

87

146

45

61

21

427

94

22

229

764

19%DIN

16%

26%ABDEFGH

14%

17%

16%

15%

17%

15%

27%ABDEF

22%DI

17%

17%

17%

16%

16%

27%ANOP

18%

2781

124

260

258

237

194

268

245

400

311

145

253

87

1795

414

93

480

2832

68%CJQ

72%CJ

59%

73%ACJ

69%CJ

67%CJ

72%CJ

71%CJ

70%CJ

58%

70%CJ

71%CJ

69%

71%AQ

70%Q

66%Q

56%

68%

-2009

-97

-143

-209

-180

-147

-210

-187

-313

-165

-99

-192

-66

-1368

-319

-71

-251

-2068

-49%

-56%

-32%

-59%

-53%

-51%

-56%

-54%

-55%

-31%

-48%

-54%

-52%

-54%

-54%

-50%

-29%

-50%

IL
Disagree

Net agree

GHIL

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


C10d Here are some things that other people have said about paying bills. Please indicate how strongly you agree or disagree with them.
I sometimes have to choose which bill I pay first because I can't cover them all at once
Base: all those who pay bills

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Unweighted total

4151

2618

Weighted total

4113

2508

Strongly agree

241

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Mixed race
(D)

Asian (E)

127

35

103

132

36*

106

130

14

13

6%B

5%

10%AB

6%

531

292

14

13%B

12%

525

292

13%B

12%

Black (F)

Other (G)

BME (H)

41

11

190

4151

45*

11**

198

4151

19

234

12%AB

7%

11%

10%AB

6%

11

30

13

55

530

10%

30%ABC

29%ABC

30%ABC

8%

28%ABC

13%

20

21

13

44

521

15%

22%

20%AB

29%ABC

11%

22%AB

13%

916

555

27

19

35

924

22%

22%

20%

17%

18%

16%

27%

18%

22%

1865

1216

55

23

43

1908

45%DEFH

48%ADEFH

42%EFH

25%

22%

13%

44%

22%

46%

34

23

34

1%

1%

2%

4%ABE

1%

1%

Don't know

Agree

Disagree

772

422

28

13

43

17

75

764

19%B

17%

21%

36%AB

41%ABC

37%ABC

19%

38%ABC

18%
2832

2781

1771

82

15

42

13

78

68%DEFH

71%ACDEFH

62%DEFH

42%

39%

30%

71%

39%

68%

-2009

-1349

-55

-2

-6

-3

-2068

-49%

-54%

-41%

-6%

1%

7%DH

-52%

-2%

-50%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C10 Here are some things that other people have said about paying bills. Please indicate how strongly you agree or disagree with them.
Summary table
Base: all those who pay bills

I ensure that I sometimes


I have
have to
enough
choose which
money
bill I pay first
available to
because I
I am never I am happy to pay for bills can't cover
late in paying pay bills by
when they
them all at
my bills
direct debit
are due
once
Unweighted total

4151

4151

4151

4151

Weighted total

4113

4113

4113

4113

Strongly agree

2121

2129

2405

241

52%

52%

58%

6%

1048

1037

1154

531

25%

25%

28%

13%

414

368

327

525
13%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

Agree

Disagree

Net agree

10%

9%

8%

330

283

122

916

8%

7%

3%

22%

183

267

87

1865

4%

6%

2%

45%

17

30

18

34

1%

1%

3169

3165

3559

772

77%

77%

87%

19%

513

549

209

2781

12%

13%

5%

68%

2656

2616

3349

-2009

65%

64%

81%

-49%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)

Money Advice Service - Financial Capability Tracker Survey - FINAL


C12 What is the main method you use to pay your electricity bills?
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

3172

1592

1580

219

512

554

582

1304

1882

1290

1359

222

248

106

25

28

3229

62%CDEJK

64%AC

61%

36%

59%D

64%D

65%DE

71%ADEFG

74%AJ

51%

58%

73%AK

80%AKL

90%AKLM

92%

87%AK

64%

Direct debit or standing order

Pre-payment using a meter or payment


card

40,000 to
49,999 (O)

50,000+ (P)

759

341

418

88

152

176

161

181

198

561

362

41

27

751

15%BHIMN

14%

16%AB

15%H

18%AH

20%ADH

18%AH

10%

8%

22%AI

15%MN

13%N

9%

5%

7%

15%

Over the counter using cash, a cheque or a


credit or debit card

Over the phone or internet using a credit


card or debit card

312

154

157

26

43

30

43

170

98

213

179

11

297

6%FIMN

6%

6%

4%

5%

3%

5%

9%ADEFG

4%

8%AI

8%ALMN

3%N

2%

4%

3%N

6%

237

112

125

34

64

44

43

52

118

119

102

12

14

232

5%H

5%

5%

6%H

7%AGH

5%H

5%H

3%

5%

5%

4%

4%

5%

3%

2%

5%

373

159

214

201

63

35

40

34

162

211

214

15

353

7%BFGHIMN

6%

8%AB

33%AEFGH

7%FGH

4%H

4%H

2%

6%

8%AI

9%ALMN

5%M

2%

2%

4%

7%

I do not pay for electricity

Other

88

45

43

11

13

14

44

35

53

53

88

2%

2%

2%

1%

1%

1%

2%

2%A

1%

2%

2%A

1%

2%

1%

2%

Refused

37

23

14

23

30

26

36

1%I

1%

1%

1%AE

1%AI

1%A

1%

Don't know

102

42

59

24

18

15

15

29

31

71

64

93

2%IM

2%

2%

4%AEFGH

2%

2%

2%

2%

1%

3%AI

3%AM

1%

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C12 What is the main method you use to pay your electricity bills?
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Direct debit or standing order

3172

1469

585

1110

536

2565

1934

1238

706

2466

136

369

417

2188

843

2122

3229

62%CEHJKL

68%AC

43%

73%ABC

57%

65%AE

72%AHIJ

52%

66%AHJ

62%H

31%

38%K

50%KL

81%AKLM

51%

71%AO

64%

MO
Pre-payment using a meter or payment
card

759

276

366

116

206

523

355

404

219

540

34

389

184

140

449

246

751

15%BDFGJK

13%D

27%ABD

8%

22%AF

13%

13%

17%AGJ

20%AGHJ

13%

8%N

40%AKMN

22%AKN

5%

27%AP

8%

15%

NP
Over the counter using cash, a cheque or a
credit or debit card

312

84

77

150

67

235

124

188

50

261

11

95

56

137

129

142

297

6%BGIKNP

4%

6%B

10%ABC

7%

6%

5%

8%AGIJ

5%

7%AGI

3%

10%AKMN

7%K

5%K

8%AP

5%

6%
232

Over the phone or internet using a credit


card or debit card

237

117

83

36

40

184

137

100

52

185

18

35

79

94

90

134

5%DN

5%AD

6%AD

2%

4%

5%

5%

4%

5%

5%

4%

4%

10%AKLN

4%

5%

4%

5%

373

164

178

31

54

307

73

299

25

348

219

28

63

49

87

256

353

7%DEGILNO

8%D

13%ABD

2%

6%

8%AE

3%

13%AGIJ

2%

9%AGI

50%ALMN

3%

8%LN

2%

5%

9%AO

7%

88

26

28

35

23

66

29

60

12

77

30

13

39

30

49

88

2%BGK

1%

2%

2%B

2%

2%

1%

3%AGIJ

1%

2%G

3%AKMN

2%

1%

2%

2%

2%

37

14

10

10

27

37

11

36

1%BFGINOP

1%

1%B

1%F

*I

1%AGI

1%AGI

1%

1%

I do not pay for electricity

Other

Refused

Don't know

102

23

48

28

70

38

64

12

90

16

24

13

31

19

48

93

2%BEFGINO

1%

4%ABD

2%

1%

2%

1%

3%AGI

1%

2%AGI

4%AMN

2%N

2%

1%

1%

2%

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


C12 What is the main method you use to pay your electricity bills?
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

Direct debit or standing order

3172

132

326

293

62%CJQ

63%

58%

69%ACEJK

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

418

406

441

705

620

257

365

470

433

693

653

247

271

251

310

286

444

370

61%

69%ACEJK

66%CJK

66%CJKM

64%CJ

57%

LM
Pre-payment using a meter or payment
card

Unweigh
ted total

Internet usage
Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

468

72

3074

723

173

1109

5079

433

141*

3076

691

165

1147

5079

142

270

76

2028

459

112

574

3229

58%

62%

54%

66%AQ

66%AQ

68%Q

50%

64%

759

41

121

42

59

39

49

54

86

93

47

86

41

407

102

24

226

751

15%DFGIN

19%DEFGH

21%ADEFGHI

10%

13%

11%

10%

12%

12%

14%D

19%DEFGH

20%ADEFG

29%ADEFG

13%

15%

15%

20%ANO

15%

HIJ

HIJ

Over the counter using cash, a cheque or a


credit or debit card

Over the phone or internet using a credit


card or debit card

312

13

36

23

39

17

22

29

37

50

20

22

98

37

168

297

6%N

6%

6%

6%

9%AFGIL

5%

5%

7%

5%

8%F

8%

5%

3%

3%

5%N

5%

15%ANOP

6%

237

18

24

13

14

24

13

41

52

17

186

31

13

232

5%Q

2%

3%

6%B

3%

4%

5%

3%

6%BCEH

8%ABCEFH

4%

4%

6%

6%AQ

4%Q

4%Q

1%

5%

KL
I do not pay for electricity

Other

Refused

Don't know

373

15

43

28

39

27

48

29

51

49

17

22

271

48

45

353

7%LQ

7%

8%

7%

9%L

7%

10%AL

7%

7%

7%

7%

5%

4%

9%AQ

7%Q

5%

4%

7%

88

11

11

11

40

37

88

2%N

2%

1%

1%

1%

2%

2%

3%C

2%

2%

3%

2%

2%

1%

1%

2%

3%ANO

2%

37

13

37

36

1%NO

1%F

1%

1%FL

1%

2%ADFGIL

3%ANOP

1%

102

15

10

19

15

47

46

93

2%N

1%

2%

3%ABCH

3%B

2%

1%

3%B

2%

2%

2%

3%

2%

1%

1%

4%ANOP

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


C12 What is the main method you use to pay your electricity bills?
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Unweighted total

5079

3061

Weighted total

5079

2960

Direct debit or standing order

Pre-payment using a meter or payment


card

Over the counter using cash, a cheque or a


credit or debit card

Over the phone or internet using a credit


card or debit card

I do not pay for electricity

Other

Mixed race
(D)

Asian (E)

141

39

153

147

40*

158

Black (F)

Other (G)

BME (H)

54

15

261

5079

59*

15**

273

5079

3172

1963

87

20

90

18

133

3229

62%FH

66%ADEFH

59%FH

49%

57%FH

30%

40%

49%F

64%

759

446

19

13

18

44

751

15%E

15%E

13%

22%E

8%

30%ABCEH

26%

16%E

15%

312

193

22

39

297

6%

7%

5%

17%ABC

14%ABC

16%ABC

7%

14%ABC

6%

237

104

19

11

232

5%B

4%

13%ABEH

12%ABEH

2%

3%

8%

4%E

5%

373

111

13

16

353

7%B

4%

3%

8%B

6%

6%

7%

88

63

88

2%

2%A

2%

2%

1%

2%

Refused

37

24

11

36

1%

1%

1%

3%AB

7%ABC

6%

4%AB

1%

Don't know

102

56

15

93

2%

2%

3%

5%AB

7%AB

14%

5%AB

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C13 Which one of the following statements best describes how well you are keeping up with your bills and credit commitments at the moment?
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

2077

1050

1027

170

272

263

299

1073

1245

832

949

136

159

65

17

21

2117

41%CDEFGJ

43%AC

39%

28%

31%

30%

33%

58%ADEFG

49%AJ

33%

40%

45%

52%AK

55%AK

63%

64%AKL

42%

I am/we are keeping up with all bills and


commitments without any difficulties

I am/we are keeping up with all bills and


commitments, but it is a struggle from time
to time

40,000 to
49,999 (O)

50,000+ (P)

1547

741

807

193

309

308

301

438

731

817

717

106

101

32

1532

30%HI

30%

31%

32%H

36%AH

35%AH

33%H

24%

29%

32%AI

30%

35%P

33%

27%

29%

16%

30%

765

365

400

86

139

185

190

164

330

435

332

50

30

14

766

15%HIM

15%

15%

14%H

16%H

21%ADEH

21%ADEH

9%

13%

17%AI

14%M

16%M

10%

12%

8%

10%

15%

198

83

116

34

52

47

48

17

68

131

87

194

4%BHI

3%

4%

6%AH

6%AH

5%AH

5%AH

1%

3%

5%AI

4%

3%

3%

5%

3%

4%

I am/we are keeping up with all bills and


commitments, but it is a constant struggle

I am/we are falling behind with some bills


or credit commitments

I am/we are having real financial problems


and have fallen behind with many bills or
credit commitments

I/we don't have any bills or credit


commitments

92

47

44

28

30

22

22

70

45

89

2%HI

2%

2%

1%H

3%ADH

3%ADH

2%H

1%

3%AI

2%

1%

2%

2%
149

154

75

80

39

21

12

13

69

58

96

85

3%FGIL

3%

3%

7%AEFGH

2%

1%

1%

4%AFG

2%

4%AI

4%ALM

1%

1%

1%

7%LMN

3%

112

61

51

21

21

13

16

41

38

74

61

105

2%ILM

2%

2%

4%AFG

2%

2%

2%

2%

2%

3%AI

3%LM

2%

133

47

86

51

24

13

14

31

37

96

83

127

3%BFGHILM

2%

3%AB

8%AEFGH

3%

1%

2%

2%

1%

4%AI

4%ALMN

3%

Prefer not to say

Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C13 Which one of the following statements best describes how well you are keeping up with your bills and credit commitments at the moment?
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

I am/we are keeping up with all bills and


commitments without any difficulties

2077

815

314

946

327

1712

1176

901

289

1788

124

267

216

1425

422

1524

2117

41%BCEHIK

38%C

23%

62%ABC

35%

43%AE

44%AHI

38%I

27%

45%AHI

28%

27%

26%

53%AKLM

26%

51%AO

42%

LMO
I am/we are keeping up with all bills and
commitments, but it is a struggle from time
to time

1547

775

432

339

271

1243

872

676

402

1146

134

315

289

777

546

889

1532

30%DHJN

36%ACD

31%D

22%

29%

31%A

32%AHJ

28%

37%AGHJ

29%

31%

32%

35%AN

29%

33%AP

30%

30%

I am/we are keeping up with all bills and


commitments, but it is a constant struggle

765

357

302

102

206

529

385

379

230

535

69

206

167

306

382

325

766

15%DFJNP

16%AD

22%ABD

7%

22%AF

13%

14%

16%J

21%AGHJ

13%

16%N

21%AKN

20%AN

11%

23%AP

11%

15%

I am/we are falling behind with some bills


or credit commitments

198

87

100

11

46

141

91

108

79

120

14

74

65

42

128

58

194

4%DFGJNP

4%D

7%ABD

1%

5%

4%

3%

5%AGJ

7%AGHJ

3%

3%N

8%AKN

8%AKN

2%

8%AP

2%

4%

I am/we are having real financial problems


and have fallen behind with many bills or
credit commitments

92

31

59

29

58

37

55

31

61

37

32

15

70

18

89

2%DFGJNP

1%D

4%ABD

3%AF

1%

1%

2%AGJ

3%AGJ

2%

1%

4%AKN

4%AKN

1%

4%AP

1%

2%
149

I/we don't have any bills or credit


commitments

154

36

56

63

18

133

60

95

17

137

32

37

25

60

46

90

3%BEGIN

2%

4%AB

4%AB

2%

3%AE

2%

4%AGI

2%

3%AGI

7%ALMN

4%N

3%

2%

3%

3%

3%

112

37

34

29

21

48

41

71

10

103

19

13

13

32

21

29

105

2%BFGILNO

2%

3%

2%

2%F

1%

2%I

3%AGI

1%

3%AGI

4%ALMN

1%

2%

1%

1%

1%

2%

Prefer not to say

P
Don't know

133

29

76

27

25

96

39

94

19

114

39

28

21

32

35

67

127

3%BDGNP

1%

6%ABD

2%

3%

2%

1%

4%AGIJ

2%

3%G

9%ALMN

3%N

3%N

1%

2%

2%

3%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


C13 Which one of the following statements best describes how well you are keeping up with your bills and credit commitments at the moment?
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

I am/we are keeping up with all bills and


commitments without any difficulties

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern Several times


Ireland (M)
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

2077

100

187

173

195

146

172

185

319

254

111

197

40

1174

254

60

590

2117

41%CMNO

47%ACGJM

33%

41%CM

44%CGM

40%C

37%

43%CM

46%ACGJM

39%C

45%CGM

46%ACGJM

28%

38%

37%

36%

51%ANOP

42%

I am/we are keeping up with all bills and


commitments, but it is a struggle from
time to time

1547

54

197

133

118

111

150

134

199

185

81

118

68

999

227

58

264

1532

30%Q

26%

35%ABEIJL

31%

27%

30%

32%

31%

29%

28%

33%

27%

48%ABCDE

32%AQ

33%Q

35%Q

23%

30%

FGHIJKL
I am/we are keeping up with all bills and
commitments, but it is a constant struggle

I am/we are falling behind with some bills


or credit commitments

I am/we are having real financial problems


and have fallen behind with many bills or
credit commitments

I/we don't have any bills or credit


commitments

765

32

94

66

61

47

84

61

102

98

33

65

19

525

125

30

84

766

15%Q

15%

17%

16%

14%

13%

18%

14%

15%

15%

14%

15%

14%

17%AQ

18%AQ

18%Q

7%

15%

198

27

15

12

21

15

12

24

34

16

140

26

26

194

4%Q

4%

5%

4%

3%

6%AEH

3%

3%

4%

5%E

3%

4%

4%

5%AQ

4%

4%

2%

4%

92

15

11

15

58

16

15

89

2%I

1%

3%I

2%I

2%I

2%I

1%

3%I

1%

2%I

1%

2%

2%

2%

2%

1%

1%

2%

154

15

13

25

14

21

10

12

24

13

73

19

61

149

3%IKN

3%

3%

3%

6%ACHIKL

4%IK

4%IK

2%

2%

4%IK

1%

3%

2%

3%

1%

5%ANOP

3%

M
Prefer not to say

112

11

11

13

13

26

42

13

54

105

2%N

2%

2%

1%

3%

1%

2%

3%DF

2%

4%ACDFGI

1%

2%

4%

1%

2%

2%

5%ANO

2%

L
Don't know

133

18

10

14

15

15

20

18

64

10

53

127

3%NO

1%

3%

2%

3%

4%HL

3%

2%

3%

3%

2%

2%

2%

2%

3%

5%ANO

3%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


C13 Which one of the following statements best describes how well you are keeping up with your bills and credit commitments at the moment?
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Unweighted total

5079

3061

Weighted total

5079

2960

I am/we are keeping up with all bills and


commitments without any difficulties

I am/we are keeping up with all bills and


commitments, but it is a struggle from time
to time

Mixed race
(D)

Asian (E)

141

39

153

147

40*

158

Black (F)

Other (G)

BME (H)

54

15

261

5079

59*

15**

273

5079

2077

1366

56

11

59

19

91

2117

41%H

46%ADEFH

38%

28%

37%

31%

15%

33%

42%

1547

866

52

37

10

62

1532

30%BEFH

29%FH

36%EFH

24%

23%

16%

40%

23%

30%

765

405

21

11

13

34

766

15%BE

14%E

14%

28%ABEH

8%

14%

12%

12%E

15%

198

98

10

15

194

4%B

3%

2%

8%C

6%

4%

5%

4%

I am/we are keeping up with all bills and


commitments, but it is a constant struggle

I am/we are falling behind with some bills


or credit commitments

I am/we are having real financial problems


and have fallen behind with many bills or
credit commitments

I/we don't have any bills or credit


commitments

Prefer not to say

Don't know

92

46

89

2%

2%

1%

3%

2%

2%

2%

2%
149

154

78

16

27

3%B

3%

4%

4%

10%AB

12%AB

14%

10%ABC

3%

112

53

15

105

2%B

2%

2%

5%AB

10%ABCD

6%

6%AB

2%

133

50

13

24

127

3%B

2%

3%

5%

8%AB

11%ABC

14%

9%ABC

3%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C14 Which bills or payments are you currently behind with?
Base: all those who are behind with bills

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

283

130

153

39

71

78

68

27

89

194

129

14

283

Weighted total

290

130

160

41*

80*

77*

71*

21**

90*

200

132

10**

13**

6**

-**

1**

283

Electricity, gas or water

129

64

66

14

40

30

39

40

90

62

125

45%

49%

41%

34%

50%

39%

56%ADF

29%

44%

45%

47%

31%

50%

51%

44%

Credit card(s) or store card(s)

Council tax

Rent

Mortgage

Loans

TV licence

Catalogue payments

Overdraft

Telephone

Other

Don't know/no answer

50,000+ (P)

105

53

53

11

26

37

24

44

62

43

11

103

36%J

41%

33%

26%

33%

48%AD

34%

38%

48%AJ

31%

33%

47%

79%

64%

100%

36%

98

47

51

14

29

32

20

25

74

47

98

34%

36%

32%

33%

36%

41%

29%

18%

27%

37%

35%

30%

29%

18%

35%

77

37

40

13

24

18

19

13

64

39

75

26%I

28%

25%

31%

30%

24%

26%

15%

14%

32%AI

29%

14%

54%

27%

25

17

10

12

13

24

9%C

13%AC

5%

5%

12%

6%

9%

11%

13%

7%

6%

22%

28%

18%

8%

12

12

4%

4%

4%

5%

1%

5%

6%

4%

4%

4%

7%

9%

4%

1%

3%

2%

4%

1%

2%

2%

1%

1%

1%

1%

2%

1%

7%

2%

2%

1%

1%

2%

3%

3%

1%

1%

1%

1%

1%

1%

1%

1%

4%

1%

1%

1%

10

10

3%

2%

4%

3%

4%

5%

2%

4%

2%

4%

5%

4%

1%

1%

1%

3%

1%

4%

1%

1%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C14 Which bills or payments are you currently behind with?
Base: all those who are behind with bills

Work status

Disability

Relationship status

Home status

Benefit recipient

Unweigh
ted total

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

Unweighted total

283

114

154

14

76

192

123

160

104

179

17

111

91

58

192

75

283

Weighted total

290

118

159

12**

75*

198

127

163

110

180

19**

111

97*

57*

198

76*

283

Electricity, gas or water

129

44

82

43

82

52

77

49

81

53

48

23

90

31

125

45%

38%

52%AB

24%

57%AF

41%

41%

47%

44%

45%

22%

47%

49%

40%

46%

40%

44%

Credit card(s) or store card(s)

No (P)

105

61

40

17

82

61

45

48

58

10

27

33

33

59

39

103

36%CEHJLO

52%AC

25%

21%

23%

41%AE

48%AHJ

27%

43%H

32%

50%

25%

34%

57%ALM

30%

52%AO

36%

Council tax

Rent

Mortgage

Loans

TV licence

Catalogue payments

Overdraft

Telephone

Other

Don't know/no answer

98

37

59

25

68

44

54

40

58

44

32

15

67

24

98

34%

31%

37%

17%

33%

34%

35%

33%

36%

32%

27%

40%

33%

26%

34%

32%

35%

77

25

48

21

55

34

43

28

49

43

27

53

17

75

26%N

22%

31%

24%

27%

28%

27%

26%

26%

27%

17%

39%AN

28%N

4%

27%

22%

27%

25

14

15

12

13

10

15

19

13

12

24

9%CLM

12%C

5%

22%

10%

7%

9%

8%

9%

9%

11%

1%

2%

33%ALM

7%

16%AO

8%

12

10

10

12

4%M

3%

4%

7%

5%

4%

3%

5%

2%

6%

11%

6%M

1%

4%

5%

3%

4%

1%

1%

2%

1%

1%

3%J

2%

1%

3%

1%

2%

1%

1%

1%

11%

2%

1%

2%

1%

1%

5%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

2%

2%

2%

1%

1%

1%

1%

1%

1%

1%

1%

2%

1%

1%

2%

1%

1%

1%

10

10

3%F

2%

4%

9%

9%AF

1%

2%

4%

2%

4%

3%

5%

1%

4%

4%

1%

2%

1%

6%

2%

1%

2%

1%

2%

3%

1%

1%

1%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C14 Which bills or payments are you currently behind with?
Base: all those who are behind with bills

Region

Total (A)

NorthEast (B)

NorthWest
(C)

Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

East Anglia
(G)

Unweigh
ted total

Internet usage

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

Unweighted total

283

13

45

23

19

31

17

23

28

44

11

25

193

41

41

283

Weighted total

290

12**

42*

24**

20**

28*

21**

23**

28**

48*

11**

23**

8**

199

42*

9**

40*

283

Electricity, gas or water

129

17

13

11

12

14

24

90

18

18

125

45%F

56%

40%

54%

54%

27%

59%

36%

49%

49%

64%

40%

45%

42%

39%

44%

44%

Credit card(s) or store card(s)

Council tax

Rent

Mortgage

Loans

TV licence

Catalogue payments

Overdraft

Telephone

Other

Don't know/no answer

105

14

12

15

16

81

10

103

36%Q

38%

33%

30%

16%

42%

29%

35%

53%

33%

37%

39%

74%

41%AOQ

24%

72%

19%

36%

98

21

10

10

11

15

62

18

16

98

34%

33%

51%AFJ

22%

33%

26%

23%

44%

36%

23%

18%

65%

31%

42%

15%

41%

35%

77

17

16

52

14

75

26%

25%

41%AF

31%

26%

17%

18%

21%

15%

32%

27%

34%

26%

22%

15%

35%

27%

25

18

24

9%

13%

4%

16%

20%AJ

6%

9%

7%

2%

4%

26%

9%

5%

12%

8%

12

12

4%

7%

8%

3%

5%

4%

4%

2%

9%

4%

4%

7%

13%

4%

1%

2%

4%

2%

4%

1%

2%

3%

1%

1%

6%

2%

6%A

1%

2%

1%

1%

4%

4%

2%

1%

1%

6%

4%

3%

4%AN

1%

10

10

3%

2%

6%

6%

4%

4%

2%

18%

4%

3%

9%A

4%

1%N

2%

5%

4%

4%

7%AN

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C14 Which bills or payments are you currently behind with?
Base: all those who are behind with bills

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

Unweighted total

283

146

12

19

283

Weighted total

290

143

4**

4**

13**

3**

-**

20**

283

Electricity, gas or water

129

69

10

125

45%

48%

100%

51%

50%

32%

47%

44%

105

48

103

36%

33%

47%

41%

32%

41%

36%

Credit card(s) or store card(s)

Council tax

Rent

Mortgage

Loans

TV licence

Catalogue payments

Overdraft

Telephone

Other

Don't know/no answer

BME (H)

98

54

98

34%

38%

32%

51%

24%

32%

31%

35%

77

37

75

26%

26%

68%

27%

51%

34%

43%

27%

25

24

9%

7%

16%

10%

8%

12

12

4%

4%

4%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

10

10

3%

5%

33%

5%

4%

1%

2%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C16 Please look at the following list of loan and credit products, and select any that you currently have, either in your own name or jointly with someone else.
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Credit card or store card

2026

1048

978

111

391

442

452

629

1292

734

718

206

196

87

18

23

2045

40%CDHJK

42%AC

37%

19%

45%ADH

51%ADEH

50%ADH

34%D

51%AJ

29%

30%

67%AK

64%AK

74%AK

68%

70%AK

40%

1079

537

542

32

254

344

305

144

735

344

302

109

146

79

10

1054

21%DHJK

22%

21%

5%

29%ADH

39%ADEGH

34%ADH

8%D

29%AJ

13%

13%

36%AK

47%AKLP

67%AKLMP

39%

27%K

21%

491

266

225

38

116

124

123

90

292

199

159

55

63

28

484

10%CDHJK

11%AC

9%

6%

13%ADH

14%ADH

14%ADH

5%

12%AJ

8%

7%

18%AK

21%AK

23%AK

8%

13%

10%
430

Mortgage

Personal loan with bank or building society

Student loan

50,000+ (P)

460

155

305

214

170

51

22

285

175

246

38

39

9%BFGHJ

6%

12%AB

35%AEFGH

20%AFGH

6%GH

2%H

11%AJ

7%

10%AN

12%N

13%AN

4%

12%

7%

8%

353

118

235

28

63

95

90

76

150

203

144

17

22

10

355

7%BDHIK

5%

9%AB

5%

7%H

11%ADEH

10%ADH

4%

6%

8%AI

6%

6%

7%

8%

4%

4%

7%

218

99

119

19

48

62

44

46

139

79

72

21

30

11

216

4%HJK

4%

5%

3%

6%DH

7%ADGH

5%H

2%

6%AJ

3%

3%

7%AK

10%AK

9%AK

4%

3%

4%

199

90

110

40

60

54

37

101

98

80

20

31

189

4%H

4%

4%

7%AGH

7%AGH

6%AGH

4%H

4%

4%

3%

7%AK

10%AK

5%

8%

8%

4%

179

86

94

43

61

45

22

77

103

68

24

14

175

4%DHK

3%

4%

2%

5%ADH

7%ADH

5%ADH

1%

3%

4%

3%

8%AKN

5%

2%

4%

3%

3%

Mail order catalogue arrangement to buy


goods in instalments

Hire purchase, credit sale or rental


purchase agreement

Informal loan from friends or family

A loan from another type of lender

Loan from an online payday loan provider


(from companies such as Wonga,
QuickQuid, KwikCash)

I do not have any of the above

74

35

39

11

21

22

15

28

46

39

73

1%HI

1%

2%

2%H

2%AH

3%AH

2%H

1%

2%I

2%

2%

2%

3%

1%

1813

887

926

235

222

207

247

902

692

1121

1029

42

47

1823

36%EFGILM

36%

35%

39%EFG

26%

24%

27%

49%ADEFG

27%

44%AI

44%ALMNP

14%

15%N

8%

10%

21%N

36%

221

115

106

16

23

26

27

129

66

155

131

210

4%DEFGILM

5%

4%

3%

3%

3%

3%

7%ADEFG

3%

6%AI

6%ALMN

1%

4%

N
Prefer not to say

N
Don't know

78

31

47

24

40

23

55

52

72

2%DFGILM

1%

2%

3%ADFG

1%

1%

2%ADFG

1%

2%AI

2%ALM

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C16 Please look at the following list of loan and credit products, and select any that you currently have, either in your own name or jointly with someone else.
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent
(J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Credit card or store card

2026

1129

371

525

293

1704

1305

720

520

1506

114

232

328

1328

570

1392

2045

40%CDEHJK

52%ACD

27%

35%C

31%

43%AE

48%AHJ

30%

48%AHJ

38%H

26%

24%

40%KL

49%AKLM

35%

46%AO

40%

LO
Mortgage

1079

794

185

100

102

963

815

264

441

638

1055

286

762

1054

21%CDEHJK

37%ACD

13%D

7%

11%

24%AE

30%AHJ

11%

41%AGHJ

16%H

2%L

1%L

39%AKLM

17%

25%AO

21%

LMO
Personal loan with bank or building society

491

328

92

71

82

398

321

170

164

326

31

62

84

304

160

314

484

10%CDHJL

15%ACD

7%D

5%

9%

10%

12%AHJ

7%

15%AGHJ

8%H

7%

6%

10%L

11%AKL

10%

10%A

10%

Student loan

460

237

220

60

390

169

291

61

399

113

32

177

132

102

346

430

9%DEGILN

11%AD

16%ABD

6%

10%AE

6%

12%AGIJ

6%

10%AGI

26%ALN

3%

21%ALN

5%L

6%

12%AO

8%

355

O
Mail order catalogue arrangement to buy
goods in instalments

353

164

132

55

81

261

202

151

139

214

26

113

58

152

197

143

7%DJNP

8%D

10%ABD

4%

9%AF

7%

7%J

6%J

13%AGHJ

5%

6%

12%AKMN

7%

6%

12%AP

5%

7%

218

143

39

37

32

182

160

58

84

135

15

26

36

138

71

143

216

4%CDHJL

7%ACD

3%

2%

3%

5%

6%AHJ

2%

8%AGHJ

3%H

3%

3%

4%

5%AL

4%

5%

4%

199

121

71

38

156

115

84

77

122

19

25

61

91

98

96

189

4%DJLNP

6%AD

5%AD

4%

4%

4%J

4%

7%AGHJ

3%

4%

3%

7%AKLN

3%

6%AP

3%

4%

179

101

60

18

39

134

100

80

70

109

10

51

42

74

87

85

175

4%DJNP

5%AD

4%D

1%

4%

3%

4%J

3%J

6%AGHJ

3%

2%

5%AKN

5%AKN

3%

5%AP

3%

3%

Hire purchase, credit sale or rental


purchase agreement

Informal loan from friends or family

A loan from another type of lender

Loan from an online payday loan provider


(from companies such as Wonga,
QuickQuid, KwikCash)

74

37

34

19

50

44

31

30

44

27

20

17

46

24

73

1%DFJNP

2%D

2%AD

2%

1%

2%J

1%

3%AGHJ

1%

1%

3%AKN

2%AN

1%

3%AP

1%

1%

I do not have any of the above

1813

493

560

754

428

1336

806

1007

261

1551

183

535

274

773

663

962

1823

36%BFGINP

23%

41%AB

50%ABC

45%AF

34%

30%I

42%AGIJ

24%

39%AGI

42%AMN

55%AKMN

33%N

29%

40%AP

32%

36%

221

56

50

102

39

131

85

136

17

203

10

46

21

98

50

61

210

4%BFGIKMN

3%

4%

7%ABC

4%

3%

3%I

6%AGI

2%

5%AGI

2%

5%KM

3%

4%

3%P

2%

4%

Prefer not to say

OP
Don't know

78

31

37

20

44

33

45

13

66

20

14

30

25

24

72

2%BFGNP

2%AB

2%AB

2%F

1%

1%

2%

1%

2%G

2%KN

2%

1%

2%P

1%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


C16 Please look at the following list of loan and credit products, and select any that you currently have, either in your own name or jointly with someone else.
Base: all respondents

Region

Unweigh
ted total

Internet usage

Yorkshire
and
Humberside
(D)

West
Midlands (E)

East
Midlands (F)

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Total (A)

NorthEast (B)

NorthWest
(C)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

Unweighted total

5079

235

622

406

429

418

406

441

705

620

257

Weighted total

5079

210

565

423

445

365

470

433

693

653

247

Credit card or store card

2026

80

173

175

164

140

212

166

281

274

40%CQ

38%C

31%

41%C

37%C

38%C

45%ACEHK

38%C

41%C

42%C

2 to 5 times a Once a week


week (P)
or less (Q)

468

72

3074

723

173

1109

5079

433

141*

3076

691

165

1147

5079

87

171

104

1513

342

77

94

2045

35%

40%C

74%ABCDE

49%AQ

49%AQ

47%Q

8%

40%

FGHIJKL
Mortgage

1079

49

111

102

81

94

119

86

142

102

35

89

68

828

181

34

37

1054

21%JKQ

23%JK

20%

24%EJK

18%

26%ACEHI

25%ACEJK

20%

21%JK

16%

14%

21%JK

48%ABCDE

27%AQ

26%AQ

20%Q

3%

21%

JK
Personal loan with bank or building society

FGHIJKL

491

28

54

39

44

36

53

37

55

64

20

36

24

367

78

17

28

484

10%Q

13%I

10%

9%

10%

10%

11%

9%

8%

10%

8%

8%

17%ACDHI

12%AQ

11%Q

10%Q

2%

10%

460

20

46

53

38

36

48

46

47

52

17

41

15

412

39

430

9%IOPQ

10%

8%

13%ACIJK

9%

10%

10%

11%I

7%

8%

7%

9%

10%

13%AOPQ

6%Q

4%Q

8%

353

19

44

28

29

17

53

25

40

33

17

32

14

253

74

15

11

355

7%Q

9%FJ

8%

7%

7%

5%

11%ADEFHI

6%

6%

5%

7%

7%

10%

8%AQ

11%ANQ

9%Q

1%

7%

KL
Student loan

Mail order catalogue arrangement to buy


goods in instalments

J
Hire purchase, credit sale or rental
purchase agreement

218

13

20

20

15

12

25

19

32

16

20

17

160

43

216

4%JQ

6%J

4%

5%

3%

3%

5%J

4%

5%J

3%

4%

5%

12%ACDEFG

5%AQ

6%AQ

5%Q

1%

4%

189

HIJKL
Informal loan from friends or family

A loan from another type of lender

Loan from an online payday loan provider


(from companies such as Wonga,
QuickQuid, KwikCash)

I do not have any of the above

199

19

17

19

10

26

18

22

26

12

14

170

19

4%PQ

4%

3%

4%

4%

3%

6%F

4%

3%

4%

5%

3%

5%

6%AOPQ

3%Q

1%

1%

4%

179

25

16

20

17

13

14

19

11

18

10

126

30

16

175

4%IQ

4%

4%I

4%

5%I

3%

4%

3%

2%

3%

4%

4%I

7%I

4%AQ

4%Q

5%Q

1%

3%

74

17

10

53

11

73

1%

1%

3%AIL

1%

2%

1%

1%

2%

1%

2%

1%

1%

2%

1%

1%

1%

1%

1813

84

242

146

165

132

122

153

258

230

108

161

13

797

207

50

758

1823

36%GMNO

40%GM

43%ADFGHIJ

34%GM

37%GM

36%GM

26%M

35%GM

37%GM

35%GM

44%ADGHJ

37%GM

10%

26%

30%N

31%

66%ANOP

36%

M
Prefer not to say

Don't know

221

26

23

11

20

29

37

34

18

48

163

210

4%DNO

3%

5%D

2%

5%D

3%

4%D

7%ADFK

5%D

5%D

3%

4%D

2%

2%

1%

2%

14%ANOP

4%

78

11

13

19

51

72

2%NO

2%

1%

1%

2%B

1%

1%

2%

2%B

1%

2%B

2%

1%

4%ANO

4%ANO

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


C16 Please look at the following list of loan and credit products, and select any that you currently have, either in your own name or jointly with someone else.
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

Credit card or store card

2026

1131

69

13

36

15

65

2045

40%BEFH

38%EH

47%BEFH

34%

22%

25%

7%

24%

40%

1079

555

35

12

28

46

1054

21%BF

19%

24%F

31%FH

18%

8%

7%

17%

21%

491

256

15

17

31

484

10%B

9%

10%

13%

11%

11%

13%

11%

10%

460

156

12

18

430

9%BC

5%

4%

6%

7%

6%

6%

8%

Mortgage

Personal loan with bank or building


society

Student loan

Mail order catalogue arrangement to buy


goods in instalments

Hire purchase, credit sale or rental


purchase agreement

Informal loan from friends or family

A loan from another type of lender

Loan from an online payday loan provider


(from companies such as Wonga,
QuickQuid, KwikCash)

I do not have any of the above

Prefer not to say

Don't know

353

192

13

355

7%E

6%E

5%

10%E

1%

9%E

7%

5%E

7%

218

118

12

216

4%

4%

3%

11%BC

4%

3%

5%

4%

199

91

189

4%B

3%

4%

5%

4%

3%

4%

179

95

175

4%

3%

5%E

10%ABEH

1%

2%

2%E

3%

74

36

73

1%

1%

5%ABC

1%

4%C

2%

1%

1813

1191

50

14

71

23

10

118

1823

36%

40%A

34%

36%

45%A

38%

66%

43%A

36%

221

146

15

13

32

210

4%

5%A

3%

5%

10%ABC

22%ABCDEH

13%

12%ABC

4%

78

53

72

2%

2%

1%

1%

9%ABCEH

8%

3%AE

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C15a And in the past 12 months, how often have you run out of money before the end of the week or month?
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Always

258

107

151

40

75

62

62

19

94

164

111

12

19

247

5%BHI

4%

6%AB

7%H

9%AH

7%AH

7%AH

1%

4%

6%AI

5%

4%

6%

3%

4%

7%

5%
401

Most of the time

413

189

224

78

113

96

75

51

183

229

215

24

17

8%HI

8%

9%

13%AGH

13%AGH

11%AH

8%H

3%

7%

9%AI

9%AM

8%

6%

6%

4%

3%

8%

1088

489

599

167

254

262

224

181

466

623

474

85

62

17

1062

21%BHIK

20%

23%AB

28%AH

29%AGH

30%AGH

25%AH

10%

18%

24%AI

20%

28%AKMNP

20%

14%

11%

10%

21%

973

484

490

119

195

174

192

293

480

493

407

72

75

29

979

19%HK

20%

19%

20%H

22%AH

20%H

21%H

16%

19%

19%

17%

24%AK

25%AK

24%

30%

16%

19%

2262

1155

1107

186

217

264

340

1255

1279

983

1095

111

134

61

14

21

2310

45%CDEFGJ

47%AC

42%

31%E

25%

30%E

38%DEF

68%ADEFG

51%AJ

39%

46%AL

36%

44%

52%L

51%

64%AKLM

45%

Sometimes

Hardly ever

Never

L
Don't know

85

45

40

11

12

13

10

39

27

58

56

80

2%IM

2%

2%

2%

1%

2%

1%

2%

1%

2%AI

2%ALM

2%

671

296

375

119

188

158

136

70

278

393

326

36

36

11

648

13%BHI

12%

14%AB

20%AGH

22%AGH

18%AH

15%H

4%

11%

15%AI

14%

12%

12%

10%

8%

10%

13%

3235

1639

1596

306

411

438

533

1547

1759

1476

1502

183

210

89

22

26

3289

64%CDEFGJ

66%AC

61%

51%

47%

50%

59%DEF

84%ADEFG

70%AJ

58%

64%

60%

68%L

76%AKL

81%

80%AL

65%

Always/most of the time

Never/hardly ever

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C15a And in the past 12 months, how often have you run out of money before the end of the week or month?
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Total (A)

Working (B)

Not working
(C)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Always

258

102

139

14

62

177

110

149

92

166

28

93

71

58

154

88

247

5%DFGJNP

5%D

10%ABD

1%

7%AF

4%

4%

6%AGJ

9%AGHJ

4%

6%N

9%AN

9%AN

2%

9%AP

3%

5%
401

Most of the time

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

413

220

163

30

92

307

202

211

133

280

50

106

108

142

204

188

8%DJNP

10%AD

12%AD

2%

10%

8%

7%

9%J

12%AGHJ

7%

12%AN

11%AN

13%AN

5%

12%AP

6%

8%

1088

549

407

130

193

856

567

521

338

750

102

264

257

435

442

554

1062

21%DJNP

25%AD

30%ABD

9%

21%

22%

21%J

22%J

31%AGHJ

19%

23%N

27%AN

31%AKN

16%

27%AP

18%

21%

Sometimes

Hardly ever

Never

973

501

242

226

163

781

526

447

222

751

95

204

154

497

315

594

979

19%D

23%ACD

18%

15%

17%

20%

19%

19%

21%

19%

22%

21%

19%

18%

19%

20%

19%

2262

775

394

1090

420

1799

1260

1002

278

1984

158

294

227

1533

520

1559

2310

45%BCHIKL

36%C

29%

72%ABC

45%

45%A

47%AHI

42%I

26%

50%AGHI

36%LM

30%

27%

57%AKLM

32%

52%AO

45%

MO
Don't know

85

18

28

29

13

40

35

50

13

72

16

10

25

15

15

80

2%BFGKNOP

1%

2%B

2%B

1%

1%

1%

2%AG

1%

2%G

2%

1%

1%

1%

1%

2%

Always/most of the time

671

322

302

44

154

484

311

359

225

446

78

198

179

200

358

277

648

13%DFGJNP

15%AD

22%ABD

3%

16%AF

12%

12%

15%AGJ

21%AGHJ

11%

18%AN

20%AN

22%AN

7%

22%AP

9%

13%

Never/hardly ever

3235

1276

636

1317

583

2580

1786

1449

500

2735

253

497

381

2030

835

2153

3289

64%BCHIKL

59%C

46%

87%ABC

62%

65%A

66%AHI

61%I

47%

68%AGHI

58%LM

51%M

46%

75%AKLM

51%

72%AO

65%

MO

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


C15a And in the past 12 months, how often have you run out of money before the end of the week or month?
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

Always

258

14

34

18

5%I

7%EI

6%EI

4%

Most of the time

Sometimes

Hardly ever

Never

Don't know

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

15

20

32

16

24

43

26

169

30

52

247

3%

5%

7%EHI

4%

3%

7%EHI

4%

6%I

6%

6%

4%

4%

5%

5%
401

413

18

60

31

35

28

39

42

44

51

22

26

18

297

53

13

50

8%Q

8%

11%AIL

7%

8%

8%

8%

10%IL

6%

8%

9%

6%

13%IL

10%AQ

8%Q

8%

4%

8%

1088

38

139

82

88

79

119

81

140

150

40

94

40

727

165

36

160

1062

21%KQ

18%

25%ABHK

19%

20%

22%

25%BDHK

19%

20%

23%K

16%

22%

28%K

24%AQ

24%Q

22%Q

14%

21%

973

52

105

85

88

67

73

83

134

133

50

84

21

619

145

40

169

979

19%Q

25%AG

19%

20%

20%

18%

16%

19%

19%

20%

20%

19%

15%

20%AQ

21%Q

24%Q

15%

19%

2262

87

218

204

208

170

202

205

341

254

122

198

54

1246

294

68

655

2310

45%CJN

41%

39%

48%CJ

47%CJ

47%CJ

43%

47%CJ

49%ABCGJ

39%

50%CJ

46%CJ

38%

41%

42%

41%

57%ANOP

45%

85

12

11

23

18

60

80

2%NO

1%

2%

1%

3%F

1%

1%

2%

2%

4%ABCDFG

2%

1%

1%

1%

1%

5%ANOP

2%

103

648

HIL
Always/most of the time

671

32

94

49

50

47

71

58

68

93

31

52

26

466

83

19

13%IQ

15%I

17%ADEIL

12%

11%

13%

15%I

13%

10%

14%I

13%

12%

19%I

15%AOQ

12%Q

12%

9%

13%

3235

139

324

288

296

237

275

287

474

387

172

282

75

1865

439

108

823

3289

64%CGJN

66%C

57%

68%CGJM

66%CGJM

65%C

58%

66%CGJM

68%ACGJM

59%

70%ACGJM

65%CG

53%

61%

63%

65%

72%ANO

65%

Never/hardly ever

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


C15a And in the past 12 months, how often have you run out of money before the end of the week or month?
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

Always

258

118

16

247

5%B

4%

5%

5%

6%

7%

6%

5%

413

199

14

26

401

8%BC

7%

4%

16%BC

9%

6%

14%

10%C

8%

Most of the time

Sometimes

Hardly ever

Never

1088

524

46

10

33

19

65

1062

21%B

18%

31%AB

25%

21%

32%B

19%

24%B

21%

973

548

23

28

12

47

979

19%

18%

16%

14%

17%

20%

13%

17%

19%

2262

1524

64

15

63

13

97

2310

45%FH

51%AEFH

44%F

37%

40%F

21%

41%

35%F

45%

Don't know

85

48

12

23

80

2%

2%

1%

2%

7%ABC

14%ABC

13%

8%ABC

2%

Always/most of the time

671

317

12

24

42

648

13%B

11%

8%

21%BC

15%

13%

14%

15%BC

13%

3235

2071

87

20

90

24

143

3289

64%FH

70%ACDEFH

59%F

51%

57%

41%

54%

53%

65%

Never/hardly ever

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C15b And in the past 12 months, how often have you used a credit card or store card in order to pay for something because you did not have the money at the time?
Base: all respondents who have credit or store cards

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

2045

1059

986

106

341

432

421

745

1304

741

737

197

189

84

19

23

2045

Weighted total

2026

1048

978

111

391

442

452

629

1292

734

718

206

196

87*

18**

23**

2045

Always

47

23

24

13

12

12

25

22

21

46

2%

2%

2%

1%

3%

3%

2%

2%

2%

3%

3%

2%

2%

10%

2%

Most of the time

109

45

64

27

33

26

13

65

44

40

13

101

5%BH

4%

7%AB

8%H

7%H

7%AH

6%H

2%

5%

6%

6%

6%

4%

8%

5%

Sometimes

Hardly ever

648

319

328

36

161

170

144

136

371

276

226

76

63

27

644

32%HI

30%

34%

32%H

41%AGH

39%AH

32%H

22%

29%

38%AI

31%

37%

32%

32%

16%

15%

31%

403

206

197

26

71

99

92

115

253

149

147

32

41

15

403

20%

20%

20%

23%

18%

22%

20%

18%

20%

20%

20%

16%

21%

17%

23%

12%

20%

812

451

361

39

119

124

180

351

574

239

282

81

79

37

11

14

844

40%CEFJ

43%AC

37%

35%

30%

28%

40%EF

56%ADEFG

44%AJ

33%

39%

39%

40%

43%

61%

63%

41%

Never

Don't know

1%

156

68

88

10

40

45

36

25

90

66

62

17

12

147

8%BH

6%

9%AB

9%H

10%H

10%AH

8%H

4%

7%

9%

9%

8%

6%

8%

10%

7%

1215

657

558

65

190

223

272

466

827

388

429

113

120

52

15

17

1247

60%CEFJ

63%AC

57%

58%

48%

50%

60%EF

74%ADEFG

64%AJ

53%

60%

55%

61%

60%

84%

75%

61%

Always/most of the time

Never/hardly ever

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C15b And in the past 12 months, how often have you used a credit card or store card in order to pay for something because you did not have the money at the time?
Base: all respondents who have credit or store cards

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

2045

1073

361

610

307

1710

1325

720

487

1558

105

237

316

1364

579

1405

2045

Weighted total

2026

1129

371

525

293

1704

1305

720

520

1506

114

232

328

1328

570

1392

2045

47

26

14

41

33

14

19

28

36

19

26

46

2%DJ

2%

4%AD

1%

2%

2%

3%

2%

4%AJ

2%

2%

2%

1%

3%

3%

2%

2%

109

74

23

12

11

93

64

45

42

67

10

17

23

55

47

58

101

5%DJNP

7%AD

6%D

2%

4%

5%

5%

6%J

8%AGJ

4%

9%N

7%N

7%N

4%

8%AP

4%

5%

Always

Most of the time

Sometimes

648

411

139

98

89

548

410

237

212

436

39

99

118

384

217

408

644

32%DJNP

36%AD

37%AD

19%

30%

32%

31%J

33%J

41%AGHJ

29%

34%

43%AN

36%N

29%

38%AP

29%

31%

Hardly ever

403

239

70

94

63

333

256

147

112

291

24

49

72

252

119

270

403

20%

21%

19%

18%

22%

20%

20%

20%

21%

19%

21%

21%

22%

19%

21%

19%

20%

812

375

124

312

123

683

537

275

132

680

39

61

112

594

167

625

844

40%BCILMO

33%

33%

59%ABC

42%

40%

41%I

38%I

25%

45%AGHI

34%

26%

34%

45%AKLM

29%

45%AO

41%

Never

Don't know

*J

1%

1%

156

100

37

19

17

134

97

59

60

96

12

22

27

91

65

84

147

8%DJP

9%AD

10%D

4%

6%

8%

7%

8%J

12%AGHJ

6%

11%

9%

8%

7%

11%AP

6%

7%

1215

614

194

406

186

1016

792

423

244

971

63

110

183

846

286

896

1247

60%BCILO

54%

52%

77%ABC

64%

60%

61%I

59%I

47%

64%AGHI

55%

47%

56%L

64%ALM

50%

64%AO

61%

Always/most of the time

Never/hardly ever

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


C15b And in the past 12 months, how often have you used a credit card or store card in order to pay for something because you did not have the money at the time?
Base: all respondents who have credit or store cards

Region

Total (A)

NorthEast (B)

NorthWest
(C)

Yorkshire and
Humberside
West
(D)
Midlands (E)

Unweigh
ted total

Internet usage

East
Midlands (F)

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

Unweighted total

2045

91

196

173

163

166

185

176

293

265

93

191

53

1514

358

82

91

2045

Weighted total

2026

80*

173

175

164

140

212

166

281

274

87*

171

104*

1513

342

77*

94*

2045

47

37

46

2%

4%

2%

3%

1%

2%

2%

4%

2%

2%

5%

2%

3%

2%

2%

4%

2%

2%

Always

Most of the time

109

11

12

15

14

87

14

101

5%

4%

5%

6%

4%

5%

3%

5%

4%

5%

7%

5%

14%ACEGIJ

6%

4%

3%

7%

5%

L
Sometimes

Hardly ever

Never

Don't know

Always/most of the time

648

26

63

48

45

48

65

45

90

100

32

54

32

494

107

19

27

644

32%

32%

36%

27%

28%

34%

31%

27%

32%

36%H

37%

32%

31%

33%

31%

25%

29%

31%

403

12

40

35

33

30

40

33

52

56

13

37

22

298

73

20

12

403

20%

15%

23%

20%

20%

21%

19%

20%

19%

20%

15%

22%

21%

20%

21%

25%Q

13%

20%

812

36

57

75

76

51

94

73

121

99

31

68

32

593

142

32

45

844

40%C

45%

33%

43%

46%CJM

36%

44%C

44%C

43%C

36%

36%

40%

31%

39%

42%

42%

48%

41%

1%

1%

1%

1%

1%

2%N

2%N

156

12

16

10

12

15

17

20

10

11

18

124

19

147

8%

8%

7%

9%

6%

7%

6%

9%

6%

7%

12%

6%

17%ACEGIJ

8%

6%

6%

9%

7%

L
Never/hardly ever

1215

48

97

110

109

81

134

106

173

154

45

105

54

891

215

52

57

1247

60%

60%

56%

63%

67%CJK

58%

63%

64%K

62%

56%

51%

61%

52%

59%

63%

67%

61%

61%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


C15b And in the past 12 months, how often have you used a credit card or store card in order to pay for something because you did not have the money at the time?
Base: all respondents who have credit or store cards

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

2045

1202

65

13

34

14

62

2045

Weighted total

2026

1131

69*

13**

36*

15**

1**

65*

2045

Always

47

25

46

2%

2%

3%

6%

3%

2%

Most of the time

109

45

101

5%B

4%

3%

16%

12%B

7%

100%

13%ABC

5%

Sometimes

Hardly ever

Never

Don't know

648

338

19

11

27

644

32%B

30%

27%

51%

31%

57%

41%

31%

403

213

21

11

403

20%

19%

30%AB

16%

18%

14%

16%

20%

812

506

25

12

17

844

40%H

45%AH

36%

16%

33%

22%

26%

41%

Always/most of the time

156

70

11

147

8%B

6%

6%

16%

18%AB

7%

100%

17%AB

7%

Never/hardly ever

1215

718

46

18

28

1247

60%H

64%AH

67%H

32%

51%

36%

42%

61%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C15c And in the past 12 months, how often have you used an overdraft to pay for something because you did not have the money at the time?
Base: all respondents who have a bank account

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

4907

2392

2515

550

744

849

818

1946

2510

2397

2240

296

297

116

27

33

4907

Weighted total

4905

2382

2522

583

841

854

866

1761

2502

2403

2251

304

306

118

27**

32*

4907

Always

203

83

121

24

61

63

42

13

115

88

76

18

22

195

4%BHK

3%

5%AB

4%H

7%ADH

7%ADGH

5%H

1%

5%

4%

3%

6%K

7%AK

8%K

4%

7%

4%

302

134

168

40

88

70

65

39

142

161

127

33

21

291

6%H

6%

7%

7%H

10%ADGH

8%AH

7%H

2%

6%

7%

6%

11%AK

7%

7%

8%

9%

6%

Most of the time

Sometimes

Hardly ever

604

299

306

87

148

139

123

108

329

276

245

43

52

18

600

12%HK

13%

12%

15%AH

18%AH

16%AH

14%H

6%

13%

11%

11%

14%

17%AK

15%

8%

6%

12%

542

280

263

61

117

126

109

129

280

262

213

41

45

10

534

11%HK

12%

10%

10%H

14%AH

15%ADH

13%H

7%

11%

11%

9%

13%K

15%AK

8%

18%

10%

11%

3185

1544

1641

368

416

444

513

1445

1616

1569

1552

170

166

72

17

22

3224

65%EFGLM

65%

65%

63%EF

49%

52%

59%EF

82%ADEFG

65%

65%

69%ALM

56%

54%

61%

63%

68%

66%

67

43

24

11

12

14

27

20

47

38

63

1%CILM

2%AC

1%

1%

1%

1%

2%

2%

1%

2%AI

2%LM

1%

506

217

289

64

150

133

107

53

257

249

203

51

43

17

486

10%BHK

9%

11%AB

11%H

18%ADGH

16%ADH

12%AH

3%

10%

10%

9%

17%AK

14%AK

15%K

12%

16%

10%

3727

1824

1904

428

533

570

623

1574

1896

1831

1765

211

211

82

22

25

3758

76%EFGLM

77%

75%

74%EF

63%

67%

72%EF

89%ADEFG

76%

76%

78%ALMN

69%

69%

70%

81%

78%

77%

Never

Don't know

Always/most of the time

Never/hardly ever

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C15c And in the past 12 months, how often have you used an overdraft to pay for something because you did not have the money at the time?
Base: all respondents who have a bank account

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

4907

2073

1252

1571

919

3847

2683

2224

999

3908

401

912

774

2699

1577

2970

4907

Weighted total

4905

2142

1287

1463

903

3853

2639

2266

1057

3848

428

899

807

2647

1569

2957

4907

Always

203

122

74

42

157

114

89

94

109

11

41

52

96

97

98

195

4%DJNP

6%AD

6%AD

5%

4%

4%J

4%J

9%AGHJ

3%

2%

5%

6%AKN

4%

6%AP

3%

4%

302

183

94

26

51

242

179

124

101

201

27

48

85

139

121

166

291

6%DJNP

9%AD

7%D

2%

6%

6%

7%J

5%

10%AGHJ

5%

6%

5%

10%AKLN

5%

8%AP

6%

6%

Most of the time

Sometimes

604

334

183

87

81

490

349

256

197

407

58

93

121

310

196

366

600

12%DEHJL

16%AD

14%AD

6%

9%

13%E

13%AHJ

11%

19%AGHJ

11%

14%

10%

15%ALN

12%

12%

12%

12%

Hardly ever

542

296

139

106

82

441

308

234

139

404

54

94

98

286

166

335

534

11%DEJ

14%ACD

11%D

7%

9%

11%E

12%J

10%

13%AHJ

10%

13%

10%

12%

11%

11%

11%

11%

3185

1189

774

1215

633

2490

1658

1527

516

2669

276

613

444

1787

972

1977

3224

65%BCGIMO

56%

60%B

83%ABC

70%AF

65%

63%I

67%AGI

49%

69%AGHI

64%M

68%AM

55%

68%AM

62%

67%AO

66%

67

18

24

24

13

33

32

35

10

57

11

30

16

15

63

1%BFP

1%

2%B

2%B

1%

1%

1%

2%

1%

1%

1%

1%

1%

1%P

1%

1%

506

305

168

31

93

399

293

213

195

310

38

89

136

234

218

264

486

10%DJNP

14%AD

13%AD

2%

10%

10%

11%J

9%J

18%AGHJ

8%

9%

10%

17%AKLN

9%

14%AP

9%

10%

3727

1485

913

1321

716

2931

1966

1762

655

3073

330

706

542

2073

1138

2312

3758

76%BCGIMO

69%

71%

90%ABC

79%AF

76%

74%I

78%AGI

62%

80%AGHI

77%M

79%AM

67%

78%AM

73%

78%AO

77%

Never

Don't know

Always/most of the time

Never/hardly ever

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


C15c And in the past 12 months, how often have you used an overdraft to pay for something because you did not have the money at the time?
Base: all respondents who have a bank account

Region
Yorkshire and
Humberside
West
(D)
Midlands (E)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

4907

223

597

399

Weighted total

4905

199

542

416

Always

203

28

4%EQ

4%

5%EI

Most of the time

Unweigh
ted total

Internet usage

East
Midlands (F)

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

404

409

401

428

691

593

243

418

358

464

419

679

623

234

21

17

23

14

20

26

5%E

2%

5%

5%E

3%

3%

4%

2 to 5 times a Once a week


week (P)
or less (Q)

447

72

3041

716

170

980

4907

413

141*

3043

684

162

1016

4907

19

10

160

23

13

195

4%

5%

7%E

5%AOQ

3%Q

4%Q

1%

4%

302

10

30

26

27

24

31

23

35

38

20

19

18

231

41

14

17

291

6%Q

5%

6%

6%

7%

7%

7%

5%

5%

6%

9%L

5%

13%ABCHIJ

8%AQ

6%Q

9%Q

2%

6%

L
Sometimes

Hardly ever

Never

Don't know

Always/most of the time

604

18

82

42

57

45

64

49

83

84

23

42

14

445

89

15

55

600

12%Q

9%

15%ABDKL

10%

14%

13%

14%

12%

12%

14%

10%

10%

10%

15%AQ

13%Q

9%

5%

12%

542

26

60

45

34

35

63

43

70

86

22

36

21

359

78

26

79

534

11%EQ

13%E

11%

11%

8%

10%

14%EL

10%

10%

14%AEL

10%

9%

15%

12%AQ

11%Q

16%AQ

8%

11%

3185

134

335

277

286

232

276

285

461

375

156

292

77

1829

447

100

810

3224

65%GJN

67%

62%

67%GJ

68%CGJM

65%

60%

68%CGJM

68%CGJM

60%

67%

71%ACGJM

55%

60%

65%N

62%

80%ANOP

66%

67

10

14

19

42

63

1%N

1%

1%

1%

1%

1%

1%

1%

1%

2%A

2%

1%

1%

1%

4%ANOP

1%

506

18

58

47

37

41

54

37

55

64

29

38

28

391

64

21

30

486

10%IQ

9%

11%

11%

9%

11%

12%

9%

8%

10%

12%

9%

20%ABCDE

13%AOQ

9%Q

13%Q

3%

10%

3727

160

395

322

320

267

340

328

531

461

178

328

98

2188

524

126

889

3758

76%N

80%C

73%

77%

77%

75%

73%

78%

78%C

74%

76%

79%CGJ

70%

72%

77%N

78%

88%ANOP

77%

HIJL
Never/hardly ever

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


C15c And in the past 12 months, how often have you used an overdraft to pay for something because you did not have the money at the time?
Base: all respondents who have a bank account

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

4907

2940

135

38

135

46

14

233

4907

Weighted total

4905

2840

141

39*

139

50*

14**

243

4907

Always

203

86

195

4%B

3%

1%

6%H

3%

4%

302

130

13

14

291

6%B

5%

9%B

8%

5%

7%

8%

6%

6%

Most of the time

Sometimes

Hardly ever

Never

604

282

19

15

11

37

600

12%B

10%

13%

19%

11%

23%ABE

21%

15%BE

12%

542

287

20

19

32

534

11%B

10%

14%

19%

14%

8%

8%

13%

11%

3185

2020

85

20

79

27

134

3224

65%EH

71%ACDEFH

60%

51%

57%

54%

57%

55%

66%

Don't know

67

34

12

18

63

1%

1%

2%

2%

8%ABC

8%ABC

6%

7%ABC

1%

Always/most of the time

506

216

15

15

22

486

10%B

8%

10%

8%

10%

7%

8%

9%

10%

3727

2307

105

27

98

31

166

3758

76%FH

81%AEFH

75%

70%

70%

62%

65%

68%

77%

Never/hardly ever

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C33 In the last six months, have you...?
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Missed more than one payment on a credit


or store card?

Missed more than one payment on a loan?

Missed more than one payment on a credit


agreement?

Missed more than one payment on a


mortgage?

Missed more than one rent payment?

Been charged more than once for going


into an unauthorised overdraft?

I have not missed any payments or been


charged for an unauthorised overdraft

Prefer not to say

50,000+ (P)

113

59

53

36

33

24

14

53

60

44

18

10

111

2%DH

2%

2%

1%

4%ADH

4%ADH

3%DH

1%

2%

2%

2%

6%AKN

3%

1%

4%

3%

2%

82

43

39

11

29

23

14

27

55

44

80

2%HI

2%

1%

2%H

3%AGH

3%AH

2%H

1%

2%AI

2%

2%

1%

1%

2%

128

61

67

13

42

47

18

50

78

54

12

124

3%HI

2%

3%

2%H

5%ADGH

5%ADGH

2%H

2%

3%AI

2%

2%

4%

2%

4%

2%

23

14

11

10

13

23

*HK

1%

*H

1%ADEH

1%H

1%

3%AKL

1%

3%AKL

99

47

52

15

31

23

24

19

80

45

97

2%HI

2%

2%

2%H

4%AH

3%H

3%H

1%

3%AI

2%

1%

1%

2%

2%

357

167

190

55

87

91

92

32

154

203

147

27

24

11

346

7%HIK

7%

7%

9%AH

10%AH

10%AH

10%AH

2%

6%

8%AI

6%

9%

8%

10%

4%

7%

7%

4114

1996

2118

476

628

649

722

1639

2177

1937

1902

255

264

103

24

30

4146

81%EFJ

81%

81%

79%E

73%

75%

80%EF

89%ADEFG

86%AJ

76%

81%

84%

86%AK

88%

88%

93%

82%
191

200

97

103

25

30

26

22

97

70

130

118

4%GILMN

4%

4%

4%

3%

3%

2%

5%AEFG

3%

5%AI

5%ALMN

4%

140

72

67

17

32

24

23

43

30

110

74

134

3%ILM

3%

3%

3%

4%

3%

3%

2%

1%

4%AI

3%LM

1%

3%

Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C33 In the last six months, have you...?
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Total (A)

Working (B)

Not working
(C)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Missed more than one payment on a credit


or store card?

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

113

64

38

10

19

89

76

36

56

57

15

33

60

55

55

111

2%DHJP

3%AD

3%D

1%

2%

2%

3%AHJ

2%

5%AGHJ

1%

1%

2%

4%AKLN

2%

3%AP

2%

2%

82

35

43

23

53

44

38

35

47

32

22

16

51

24

80

2%DFJNP

2%D

3%ABD

2%AF

1%

2%J

2%J

3%AGHJ

1%

2%N

3%AN

3%AN

1%

3%AP

1%

2%

128

58

65

37

89

68

59

61

66

36

48

33

78

44

124

3%DFJNP

3%D

5%ABD

4%AF

2%

3%J

2%J

6%AGHJ

2%

2%

4%AN

6%AKLN

1%

5%AP

1%

2%

23

20

16

18

12

11

21

13

23

*DHJ

1%ACD

1%

1%AHJ

1%AHJ

1%ALM

1%

Missed more than one payment on a loan?

Missed more than one payment on a credit


agreement?

Missed more than one payment on a


mortgage?

Missed more than one rent payment?

99

34

62

25

68

40

59

39

60

54

39

71

24

97

2%DFGJKNP

2%D

4%ABD

3%

2%

1%

2%AGJ

4%AGJ

2%

5%AKN

5%AKN

4%AP

1%

2%

Been charged more than once for going


into an unauthorised overdraft?

I have not missed any payments or been


charged for an unauthorised overdraft

357

202

136

18

71

274

191

166

151

206

29

73

93

155

177

164

346

7%DJNP

9%AD

10%AD

1%

8%

7%

7%J

7%J

14%AGHJ

5%

7%

7%

11%AKLN

6%

11%AP

5%

7%

4114

1747

991

1370

744

3295

2236

1878

765

3349

371

730

607

2337

1215

2635

4146

81%CHILMO

81%C

72%

90%ABC

79%

83%AE

83%AHI

79%I

71%

84%AHI

85%ALM

75%

73%

87%ALM

74%

88%AO

82%
191

Prefer not to say

200

55

59

72

42

104

78

122

22

179

12

37

29

74

43

55

4%BFGINOP

3%

4%B

5%B

4%F

3%

3%

5%AGIJ

2%

4%AGI

3%

4%

4%

3%

3%

2%

4%

140

38

62

40

27

94

55

85

19

120

11

48

17

47

58

48

134

3%BFGINP

2%

5%ABD

3%

3%

2%

2%

4%AGIJ

2%

3%AGI

3%

5%AMN

2%

2%

4%AP

2%

3%

Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


C33 In the last six months, have you...?
Base: all respondents

Region

Total (A)

NorthEast (B)

NorthWest
(C)

Yorkshire
and
Humberside
(D)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

Missed more than one payment on a credit


or store card?

West
East
Midlands (E) Midlands (F)

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

418

406

441

705

620

257

365

470

433

693

653

247

2 to 5 times a Once a week


week (P)
or less (Q)

468

72

3074

723

173

1109

5079

433

141*

3076

691

165

1147

5079

113

15

19

14

11

94

111

2%OQ

2%

3%

2%

1%

2%

1%

2%

3%

2%

3%

2%

4%

3%AOQ

1%

3%Q

1%

2%

Missed more than one payment on a loan?

82

19

53

11

14

80

2%

2%

3%ADEHIJ

1%

1%

2%

2%

1%

1%

1%

2%

2%

2%

2%

2%

2%

1%

2%

Missed more than one payment on a credit


agreement?

128

16

11

12

14

10

12

20

11

94

12

17

124

3%Q

2%

3%

3%

1%

3%

3%

2%

2%

3%

4%

2%

2%

3%AQ

2%

3%

1%

2%

23

18

23

*Q

1%

1%

1%

1%AGH

1%

1%Q

1%Q

1%Q

Missed more than one payment on a


mortgage?

Missed more than one rent payment?

Been charged more than once for going


into an unauthorised overdraft?

I have not missed any payments or been


charged for an unauthorised overdraft

Prefer not to say

Don't know

99

21

11

10

16

66

13

19

97

2%

1%

4%ABDFGI

1%

2%

2%

1%

2%

1%

2%

2%

2%

2%

2%

1%

2%

2%

357

10

38

29

26

36

37

29

38

55

15

31

14

276

41

17

23

346

7%Q

5%

7%

7%

6%

10%ABEI

8%

7%

5%

8%I

6%

7%

10%

9%AOQ

6%Q

10%Q

2%

7%

4114

177

442

354

368

294

389

357

574

491

207

344

117

2495

601

129

888

4146

81%JQ

84%J

78%

84%CJ

83%J

81%J

83%J

82%J

83%CJ

75%

84%J

80%

83%

81%Q

87%ANPQ

78%

77%

82%
191

200

25

17

15

15

31

42

18

53

11

131

4%NO

4%

5%

2%

4%

2%

3%

4%

4%

6%ADFGHK

3%

4%

3%

2%

2%

3%

11%ANOP

4%

140

15

14

17

12

12

16

22

13

65

63

134

3%NO

2%

3%

3%

4%

3%

3%

2%

2%

3%

2%

3%

2%

1%

2%

5%ANO

3%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


C33 In the last six months, have you...?
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

Missed more than one payment on a credit


or store card?

113

51

111

2%B

2%

1%

7%ABF

2%

2%

2%

Missed more than one payment on a loan?

82

52

80

2%

2%

3%

2%

2%

2%

2%

Missed more than one payment on a credit


agreement?

128

61

124

3%B

2%

2%

3%

3%

2%

14%

3%

2%

23

10

23

2%B

1%

7%

1%

Missed more than one payment on a


mortgage?

Missed more than one rent payment?

Been charged more than once for going


into an unauthorised overdraft?

I have not missed any payments or been


charged for an unauthorised overdraft

Prefer not to say

Don't know

99

46

97

2%B

2%

1%

3%

2%

2%

2%

2%

357

148

19

346

7%B

5%

6%

16%ABCEH

5%

6%

7%

7%

7%

4114

2478

123

28

110

39

10

188

4146

81%EFH

84%ADEFH

84%EFH

71%

70%

67%

66%

69%

82%

200

120

16

10

28

191

4%

4%

4%

2%

10%ABC

17%ABCD

6%

10%ABC

4%

140

74

11

19

134

3%

3%

3%

6%

7%AB

8%AB

8%

7%AB

3%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C20a What have you done to deal with your missed payments or overdraft charges?
Base: all those who have missed more than one payment or received overdraft charges

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

608

297

311

78

156

176

129

69

245

363

258

45

40

14

608

Weighted total

625

303

322

83*

176

171

136

58*

252

372

263

48*

41*

14**

3**

2**

608

I have started making up or have already


made up for the missed payments

I have tried to manage my money so I don't


miss any more payments

Spoken to my lender

I have not done anything to deal with these


missed payments

Spoken to a friend or family member

Looked on the internet

Spoken to the Citizens Advice Bureau (CAB)

Prefer not to say

Don't know

50,000+ (P)

249

118

131

27

69

72

58

24

95

154

99

18

20

239

40%

39%

41%

32%

39%

42%

43%

41%

38%

41%

38%

38%

48%

58%

65%

100%

39%

245

116

129

31

65

62

61

26

120

126

102

25

20

239

39%J

38%

40%

38%

37%

36%

45%

45%

47%AJ

34%

39%

53%

49%

55%

35%

39%

122

68

53

11

38

34

26

12

53

69

44

16

13

120

19%

23%

17%

14%

22%

20%

19%

21%

21%

19%

17%

34%AK

30%K

21%

35%

20%

68

34

34

11

22

17

11

20

48

32

67

11%IM

11%

11%

13%

12%

10%

8%

12%

8%

13%

12%M

12%M

7%

11%

44

18

27

13

14

11

21

23

25

41

7%H

6%

8%

16%AFGH

8%

6%

4%

1%

8%

6%

9%

8%

9%

8%

7%

40

18

21

13

12

22

18

18

37

6%

6%

7%

6%

7%

5%

9%

3%

9%

5%

7%

9%

12%

8%

45%

6%

35

21

14

12

16

19

15

33

6%

7%

4%

2%

7%

5%

7%

4%

6%

5%

6%

7%

5%

5%

1%

1%

1%

1%

1%

2%

1%

1%

18

11

19

3%

2%

4%

4%

2%

5%

1%

4%

3%

3%

3%

3%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C20a What have you done to deal with your missed payments or overdraft charges?
Base: all those who have missed more than one payment or received overdraft charges

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Total (A)

Working (B)

Not working
(C)

Owner (N)

Yes (O)

No (P)

Unweighted total

608

316

250

41

131

452

321

287

255

353

38

162

167

227

325

254

608

Weighted total

625

326

261

37*

131

467

330

294

269

355

41*

162

174

232

334

260

608

I have started making up or have already


made up for the missed payments

I have tried to manage my money so I don't


miss any more payments

Spoken to my lender

I have not done anything to deal with these


missed payments

Spoken to a friend or family member

Looked on the internet

Spoken to the Citizens Advice Bureau (CAB)

Prefer not to say

Don't know

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

249

131

98

21

53

188

140

110

118

132

11

61

77

96

137

99

239

40%

40%

37%

58%ABC

40%

40%

42%

37%

44%

37%

27%

37%

44%

41%

41%

38%

39%

245

137

87

21

47

192

139

106

103

143

19

41

63

117

116

121

239

39%CLO

42%C

33%

58%AC

36%

41%

42%

36%

38%

40%

45%L

25%

36%L

51%ALM

35%

46%AO

39%

122

71

41

10

38

81

80

42

58

64

33

31

49

71

44

120

19%CFH

22%

16%

26%

29%AF

17%

24%AHJ

14%

21%H

18%H

15%

20%

18%

21%

21%

17%

20%

68

31

37

18

46

27

41

23

45

28

16

17

37

27

67

11%GN

9%

14%D

2%

14%

10%

8%

14%AGI

9%

13%G

13%

17%AMN

9%

8%

11%

10%

11%

44

24

18

11

30

15

30

10

34

19

12

17

24

41

7%GILO

7%

7%

3%

8%

6%

4%

10%AGI

4%

10%AGI

16%ALN

3%

11%ALN

5%

5%

9%

7%

40

24

14

26

24

16

17

23

14

16

13

26

37

6%O

7%

5%

6%

7%

6%

7%

5%

6%

6%

5%

8%

4%

7%

4%

10%AO

6%

35

16

17

13

20

18

17

12

23

13

22

13

33

6%F

5%

6%

5%

10%AF

4%

5%

6%

4%

6%

3%

6%

5%

6%

6%

5%

5%

1%J

1%

1%

1%

1%

2%

1%

1%

1%

1%

1%

18

13

13

11

12

19

3%

3%

4%

2%

3%

4%

2%

4%

2%

5%

3%

2%

3%

4%

2%

3%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


C20a What have you done to deal with your missed payments or overdraft charges?
Base: all those who have missed more than one payment or received overdraft charges

Region

Total (A)

NorthEast (B)

NorthWest
(C)

Yorkshire and
Humberside
West
East Midlands
(D)
Midlands (E)
(F)

East Anglia
(G)

Unweigh
ted total

Internet usage

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

Unweighted total

608

22

88

44

41

56

45

52

71

89

28

62

10

445

72

26

65

608

Weighted total

625

20**

83*

46*

44*

51*

54*

51*

72*

98*

28**

57*

20**

462

71*

27**

65*

608

I have started making up or have already


made up for the missed payments

I have tried to manage my money so I don't


miss any more payments

Spoken to my lender

I have not done anything to deal with these


missed payments

Spoken to a friend or family member

Looked on the internet

Spoken to the Citizens Advice Bureau (CAB)

Prefer not to say

Don't know

249

27

18

17

21

24

17

29

41

12

23

14

188

30

10

22

239

40%

22%

33%

39%

40%

41%

45%

33%

41%

42%

44%

40%

68%

41%

42%

35%

35%

39%

245

10

27

18

21

21

21

21

28

35

24

10

184

33

12

17

239

39%Q

50%

32%

38%

49%

41%

40%

40%

39%

36%

33%

42%

50%

40%Q

47%Q

43%

26%

39%

122

17

10

15

15

19

12

90

14

14

120

19%

26%

21%

16%

23%

29%G

11%

13%

21%

19%

18%

20%

20%

20%

19%

15%

21%

20%

68

14

50

12

67

11%

9%

17%A

11%

13%

12%

12%

10%

8%

9%

10%

11%

11%

5%

8%

19%AO

11%

44

11

40

41

7%

7%

12%F

3%

2%

7%

4%

7%

12%F

11%

6%

11%

9%A

3%

3%

2%

7%

40

38

37

6%

7%

4%

8%

7%

12%

4%

9%

6%

4%

3%

11%

8%AO

2%

1%

6%

35

25

33

6%

4%

5%

5%

9%

2%

2%

8%

3%

7%

7%

8%

11%

5%

9%

6%

5%

1%

4%A

2%

1%

4%

2%

1%

18

17

19

3%

5%

1%

5%

2%

7%J

7%AJ

1%

7%

1%

4%

3%

1%

3%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C20a What have you done to deal with your missed payments or overdraft charges?
Base: all those who have missed more than one payment or received overdraft charges

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

Unweighted total

608

292

13

20

35

608

Weighted total

625

288

14**

8**

22**

4**

3**

37*

608

I have started making up or have already


made up for the missed payments

I have tried to manage my money so I don't


miss any more payments

Spoken to my lender

I have not done anything to deal with these


missed payments

Spoken to a friend or family member

Looked on the internet

Spoken to the Citizens Advice Bureau (CAB)

Prefer not to say

Don't know

BME (H)

249

103

16

239

40%

36%

60%

61%

35%

74%

42%

39%

245

103

14

239

39%

36%

55%

23%

41%

50%

35%

37%

39%

122

63

120

19%

22%

5%

26%

15%

50%

32%

23%

20%

68

45

67

11%

15%A

5%

26%

33%

9%

11%

44

12

41

7%B

4%

21%

27%

5%

25%

12%

7%

40

21

37

6%

7%

22%

11%

50%

9%

6%

35

17

33

6%

6%

13%

15%

8%

5%

1%

1%

1%

18

19

3%

3%

3%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C23 What kind of mortgage do you have on your property(s)?
Base: all those who have a mortgage

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

1054

527

527

31

222

340

286

175

714

340

297

103

140

75

10

1054

Weighted total

1079

537

542

32*

254

344

305

144

735

344

302

109*

146

79*

10**

9**

1054

Repayment mortgage

818

403

415

26

215

281

227

69

565

253

222

93

124

67

783

76%H

75%

77%

82%H

85%AGH

82%AGH

74%H

48%

77%

74%

73%

85%AK

85%AK

85%

57%

83%

74%

216

120

96

29

56

67

58

147

69

63

15

23

16

223

20%EF

22%

18%

19%

11%

16%

22%E

41%ADEFG

20%

20%

21%

14%

16%

20%

43%

9%

21%

Interest-only mortgage

Endowment mortgage

Refused

Don't know

63

39

25

11

27

22

48

16

24

68

6%EFL

7%

5%

3%

1%

3%

9%AEF

15%AEFG

6%

5%

8%L

1%

6%L

2%

9%

6%

30

22

11

15

15

30

3%BI

2%

4%AB

6%

4%

2%

2%

3%

2%

4%I

2%

2%

1%

3%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C23 What kind of mortgage do you have on your property(s)?
Base: all those who have a mortgage

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

1054

763

174

117

102

939

790

264

416

638

1031

282

741

1054

Weighted total

1079

794

185

100

102*

963

815

264

441

638

8**

1**

9**

1055

286

762

1054

Repayment mortgage

818

641

128

50

68

739

629

189

353

466

800

204

590

783

76%CDEJO

81%ACD

69%D

50%

66%

77%E

77%J

72%

80%AHJ

73%

62%

100%

76%

71%

77%O

74%

216

130

41

45

22

194

160

56

83

133

212

63

151

223

20%B

16%

22%

45%ABC

21%

20%

20%

21%

19%

21%

26%

11%

20%

22%

20%

21%

Interest-only mortgage

Endowment mortgage

Refused

Don't know

63

41

11

10

10

51

41

22

15

48

62

20

42

68

6%FGI

5%

6%

10%AB

10%F

5%

5%I

8%AGI

3%

8%AGI

11%

6%

7%

6%

6%

30

17

12

23

20

11

22

27

18

30

3%BFN

2%

6%AB

2%

6%

2%

2%

4%

2%

3%

12%

100%

3%

3%

2%

3%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C23 What kind of mortgage do you have on your property(s)?
Base: all those who have a mortgage

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

1054

55

121

97

78

Weighted total

1079

49*

111

102*

Repayment mortgage

818

39

86

86

76%LQ

79%L

77%L

84%AHIJK

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

105

100

89

145

97

36

97

34

805

176

34

39

1054

81*

94

119*

86*

142

102*

35*

89*

68*

828

181

34*

37*

1054

67

71

97

61

104

70

24

56

58

630

142

26

20

783

82%JL

76%

81%JL

71%

73%

69%

68%

63%

85%L

76%Q

79%Q

78%Q

54%

74%

L
Interest-only mortgage

Endowment mortgage

Refused

Don't know

216

25

11

20

15

24

34

28

23

12

176

30

223

20%DG

14%

22%D

9%

13%

21%D

12%

27%DEG

24%DG

28%DEG

27%DG

26%DEG

18%

21%

17%

16%

16%

21%

63

10

10

43

11

68

6%

5%

4%

9%M

7%

6%

3%

3%

7%

7%

7%

10%GM

5%

6%

11%

14%AN

6%

3%AI

3%ANO

30

20

30

3%

6%

2%

2%

3%

4%

5%

2%

2%

1%

3%

3%

2%

2%

14%ANOP

3%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


C23 What kind of mortgage do you have on your property(s)?
Base: all those who have a mortgage

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

1054

570

34

12

27

45

1054

Weighted total

1079

555

35*

12**

28**

5**

1**

46*

1054

Repayment mortgage

818

416

29

10

18

34

783

76%

75%

82%

85%

64%

100%

100%

74%

74%

216

116

11

223

20%

21%

15%

23%

29%

23%

21%

Interest-only mortgage

Endowment mortgage

Refused

Don't know

63

39

68

6%

7%

3%

9%

2%

6%

30

13

30

3%

2%

8%

7%

6%

3%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C24 Which of the following types of mortgage do you have?
Base: all those who have a mortgage

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

1054

527

527

31

222

340

286

175

714

340

297

103

140

75

10

1054

Weighted total

1079

537

542

32*

254

344

305

144

735

344

302

109*

146

79*

10**

9**

1054

Fixed

438

209

228

26

141

127

101

43

304

133

118

48

68

24

417

41%GH

39%

42%

79%AEFGH

55%AFGH

37%

33%

30%

41%

39%

39%

44%

47%N

30%

38%

47%

40%

390

206

184

63

131

126

64

264

126

117

44

54

22

391

36%DE

38%

34%

18%

25%

38%DE

41%ADE

44%ADE

36%

37%

39%

40%

37%

27%

34%

36%

37%

Standard variable rate

Tracker

Refused

Don't know

196

102

94

43

73

53

27

137

59

47

13

23

31

189

18%D

19%

17%

17%D

21%D

17%D

19%D

19%

17%

15%

12%

16%

39%AKLM

28%

17%

18%

55

20

35

12

24

10

30

25

19

56

5%BIM

4%

6%B

3%

3%

4%

8%AEF

7%E

4%

7%AI

6%M

3%

1%

3%

5%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C24 Which of the following types of mortgage do you have?
Base: all those who have a mortgage

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

1054

763

174

117

102

939

790

264

416

638

1031

282

741

1054

Weighted total

1079

794

185

100

102*

963

815

264

441

638

8**

1**

9**

1055

286

762

1054

Fixed

438

341

69

27

36

396

353

85

174

264

431

99

325

417

41%DHO

43%AD

37%

28%

35%

41%

43%AHI

32%

39%H

41%H

64%

41%

35%

43%AO

40%

390

276

69

45

48

337

276

114

160

230

378

123

260

391

36%FGP

35%

37%

45%AB

47%AF

35%

34%

43%AGJ

36%

36%

24%

100%

36%

43%AP

34%

37%

Standard variable rate

Tracker

196

143

33

19

11

183

156

40

92

104

194

45

146

189

18%EJ

18%

18%

19%

11%

19%AE

19%J

15%

21%H

16%

12%

18%

16%

19%

18%

55

33

14

47

30

25

15

40

50

18

31

56

5%BGINP

4%

7%

8%

7%

5%

4%

9%AGIJ

3%

6%AGI

100%

5%

6%

4%

5%

Refused

Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


C24 Which of the following types of mortgage do you have?
Base: all those who have a mortgage

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

1054

55

121

97

78

Weighted total

1079

49*

111

102*

Fixed

438

23

40

35

41%Q

47%

36%

390

19

49

36%

39%

44%JM

Standard variable rate

Tracker

Refused

Don't know

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

105

100

89

145

97

36

97

34

805

176

34

39

1054

81*

94

119*

86*

142

102*

35*

89*

68*

828

181

34*

37*

1054

29

38

46

29

66

44

13

38

37

337

78

13

417

35%

35%

40%

39%

34%

46%

43%

38%

42%

55%CDH

41%

43%Q

40%

25%

40%

42

34

31

48

29

48

31

13

33

14

305

60

15

10

391

41%M

41%M

33%

40%M

34%

34%

31%

36%

37%

21%

37%

33%

44%

27%

37%

2 to 5 times a Once a week


week (P)
or less (Q)

196

14

18

14

16

20

23

24

24

16

16

154

35

189

18%

9%

12%

18%

18%

17%

17%

27%ABC

17%

23%BC

16%

17%

24%

19%

19%

8%

10%

18%

3%AI

3%ANO

55

31

13

56

5%N

5%

8%

7%

6%

10%AIM

4%

6%

3%

3%

7%

3%

4%

4%

8%

35%ANOP

5%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Unweigh
ted total

Internet usage

Money Advice Service - Financial Capability Tracker Survey - FINAL


C24 Which of the following types of mortgage do you have?
Base: all those who have a mortgage

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

1054

570

34

12

27

45

1054

Weighted total

1079

555

35*

12**

28**

5**

1**

46*

1054

Fixed

438

188

14

13

22

417

41%B

34%

39%

50%

48%

43%

47%

40%

390

232

11

10

391

36%

42%AH

32%

17%

24%

37%

23%

37%

Standard variable rate

Tracker

Refused

Don't know

196

97

10

10

189

18%

17%

29%

26%

18%

20%

100%

22%

18%

55

37

56

5%

7%A

8%

11%

8%

5%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D1a Here are some statements made by other people about planning ahead with their money. Please indicate how strongly you agree or disagree with them.
I always make sure I have money saved for a rainy day
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Strongly agree

1564

772

793

137

176

187

231

833

900

664

761

84

101

47

11

19

1595

31%DEFGJ

31%

30%

23%

20%

21%

26%EF

45%ADEFG

36%AJ

26%

32%A

28%

33%

39%AL

42%

59%AKLMN

31%

1632

765

867

206

274

265

279

608

830

802

765

102

109

38

11

1637

32%

31%

33%

34%

32%

30%

31%

33%

33%

31%

32%

33%

35%

32%

40%

20%

32%

936

477

459

120

213

204

192

207

407

529

411

60

45

12

919

18%HIN

19%

18%

20%H

25%AH

23%AH

21%AH

11%

16%

21%AI

17%

20%N

15%

10%

4%

6%

18%

Tend to agree

Neither agree nor disagree

Tend to disagree

40,000 to
49,999 (O)

50,000+ (P)

590

290

300

85

137

129

132

106

265

325

250

42

34

14

578

12%HIK

12%

11%

14%H

16%AH

15%AH

15%AH

6%

10%

13%AI

11%

14%

11%

12%

4%

7%

11%

Strongly disagree

294

131

163

44

58

80

61

52

105

189

131

18

19

290

6%HI

5%

6%

7%H

7%H

9%AH

7%H

3%

4%

7%AI

6%

6%

6%

6%

11%

7%

6%

63

34

30

10

31

23

41

40

60

1%I

1%

1%

2%

1%

1%

1%

2%AF

1%

2%AI

2%ALM

1%

3196

1537

1659

343

450

452

510

1441

1730

1466

1526

186

210

84

22

26

3232

63%DEFGJ

62%

64%

57%

52%

52%

57%

78%ADEFG

68%AJ

58%

65%A

61%

68%

72%L

82%

80%AL

64%

Don't know

Agree

Disagree

883

421

463

129

195

209

193

158

370

513

381

60

53

21

868

17%HIK

17%

18%

21%AH

23%AH

24%AH

21%AH

9%

15%

20%AI

16%

20%

17%

18%

14%

14%

17%

2313

1116

1197

215

255

243

317

1283

1360

953

1145

126

156

63

18

21

2364

46%DEFGJ

45%

46%

36%EF

29%

28%

35%EF

70%ADEFG

54%AJ

37%

49%AL

41%

51%L

54%L

68%

66%AL

47%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D1a Here are some statements made by other people about planning ahead with their money. Please indicate how strongly you agree or disagree with them.
I always make sure I have money saved for a rainy day
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Strongly agree

1564

564

265

732

291

1244

895

669

208

1356

104

189

164

1069

345

1092

1595

31%BCHIKL

26%C

19%

48%ABC

31%

31%

33%AHI

28%I

19%

34%AHI

24%

19%

20%

40%AKLM

21%

36%AO

31%

MO
Tend to agree

1632

750

382

498

275

1327

881

751

337

1295

147

277

250

929

480

1047

1637

32%CELO

35%AC

28%

33%C

29%

34%AE

33%

32%

31%

32%

34%L

28%

30%

35%ALM

29%

35%AO

32%

936

416

352

163

180

693

474

462

256

680

93

238

186

375

366

466

919

18%DFJNP

19%D

26%ABD

11%

19%

18%

18%

19%J

24%AGHJ

17%

21%N

24%AN

22%AN

14%

22%AP

16%

18%

Neither agree nor disagree

Tend to disagree

590

297

216

75

113

458

302

287

177

413

64

164

138

214

284

265

578

12%DJNP

14%AD

16%AD

5%

12%

12%

11%

12%J

16%AGHJ

10%

15%AN

17%AN

17%AN

8%

17%AP

9%

11%

Strongly disagree

294

124

138

31

75

213

126

168

92

202

25

98

84

83

163

113

290

6%DFGJNP

6%D

10%ABD

2%

8%AF

5%

5%

7%AGJ

9%AGJ

5%

6%N

10%AKN

10%AKN

3%

10%AP

4%

6%

63

15

18

21

25

21

42

58

11

20

12

14

60

1%BFGINOP

1%

1%

1%B

1%

1%

1%

2%AGI

1%AGI

1%

1%

1%

1%

1%

Don't know

Agree

3196

1313

648

1230

567

2571

1777

1420

546

2650

251

465

414

1997

826

2140

3232

63%BCEHIK

61%C

47%

81%ABC

60%

65%AE

66%AHI

60%I

51%

66%AHI

58%LM

48%

50%

74%AKLM

50%

71%AO

64%

LMO
Disagree

883

422

355

106

188

671

428

455

269

615

90

262

222

297

447

378

868

17%DGJNP

19%AD

26%ABD

7%

20%AF

17%

16%

19%AGJ

25%AGHJ

15%

21%N

27%AKN

27%AKN

11%

27%AP

13%

17%

Net agree

2313

892

293

1124

379

1900

1348

964

277

2036

162

203

192

1700

378

1761

2364

46%BCEHIK

41%C

21%

74%ABC

40%

48%AE

50%AHI

41%I

26%

51%AHI

37%LM

21%

23%

63%AKLM

23%

59%AO

47%

LMO

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


D1a Here are some statements made by other people about planning ahead with their money. Please indicate how strongly you agree or disagree with them.
I always make sure I have money saved for a rainy day
Base: all respondents

Region
Yorkshire
and
Humberside
(D)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

Strongly agree

1564

65

140

148

31%CN

31%

25%

1632

67

32%
936
18%Q

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

Agree

Disagree

Net agree

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

418

406

441

705

620

257

365

470

433

693

653

247

144

100

145

154

226

192

35%CFM

32%CM

27%

31%C

35%ACFJM

33%CM

192

123

143

133

144

127

32%

34%

29%

32%

36%DH

31%

36

124

67

70

74

86

17%

22%ADE

16%

16%

20%

18%

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

468

72

3074

723

173

1109

5079

433

141*

3076

691

165

1147

5079

81

142

29

889

194

41

440

1595

29%

33%CM

33%CM

20%

29%

28%

25%

38%ANOP

31%

218

216

76

133

59

969

253

60

351

1637

29%

31%

33%

31%

31%

42%DH

31%

37%ANQ

36%

31%

32%

78

123

127

46

80

27

614

131

35

156

919

18%

18%

19%

19%

18%

19%

20%AQ

19%Q

21%Q

14%

18%

590

26

61

61

60

29

61

49

75

68

28

54

17

397

81

25

87

578

12%FQ

12%

11%

14%F

13%F

8%

13%F

11%

11%

10%

11%

13%F

12%

13%AQ

12%Q

15%Q

8%

11%

294

14

42

22

20

27

29

17

43

34

13

22

10

195

28

67

290

6%O

7%

7%H

5%

5%

7%H

6%

4%

6%

5%

5%

5%

7%

6%AOP

4%

2%

6%

6%

63

16

13

46

60

1%N

1%

1%

1%

2%

1%

1%

2%

1%

2%ADFL

2%

1%

4%ANOP

1%

3196

132

331

271

287

233

290

281

444

408

156

275

88

1858

447

101

791

3232

63%CN

63%

59%

64%

65%

64%

62%

65%C

64%C

62%

63%

64%

62%

60%

65%N

61%

69%ANP

64%

883

40

103

83

80

57

90

66

117

103

40

76

26

592

109

29

154

868

17%Q

19%

18%

20%

18%

16%

19%

15%

17%

16%

16%

18%

19%

19%AOQ

16%

18%

13%

17%

2313

92

228

188

207

176

200

214

327

305

116

199

61

1265

339

72

637

2364

46%CN

44%

40%

44%

46%

48%C

42%

50%CG

47%C

47%C

47%

46%

44%

41%

49%AN

43%

56%ANOP

47%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

West
East
Midlands (E) Midlands (F)

Unweigh
ted total

Internet usage

Money Advice Service - Financial Capability Tracker Survey - FINAL


D1a Here are some statements made by other people about planning ahead with their money. Please indicate how strongly you agree or disagree with them.
I always make sure I have money saved for a rainy day
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Unweighted total

5079

3061

Weighted total

5079

2960

Strongly agree

1564

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

Agree

Disagree

Net agree

Mixed race
(D)

Asian (E)

141

39

153

147

40*

158

1020

50

11

51

31%F

34%AFH

34%F

28%

1632

977

49

32%

33%

936

465

18%B

16%

Black (F)

Other (G)

BME (H)

54

15

261

5079

59*

15**

273

5079

10

77

1595

32%F

18%

28%

28%F

31%

11

46

16

78

1637

33%

27%

29%

27%

35%

29%

32%

27

35

17

62

919

18%

20%

22%B

28%B

13%

23%B

18%

590

298

12

10

28

578

12%BE

10%

8%

18%E

6%

15%

12%

10%E

11%

294

162

12

290

6%

5%

6%

3%

5%

3%

7%

4%

6%

63

38

16

60

1%

1%

1%

4%

5%AB

9%ABC

6%

6%ABC

1%

3196

1997

98

22

97

27

10

156

3232

63%FH

67%AFH

67%F

55%

62%F

45%

63%

57%F

64%

883

459

20

18

11

40

868

17%B

16%

14%

21%

12%

18%

19%

15%

17%

2313

1538

78

13

79

16

115

2364

46%F

52%ADFH

53%DFH

34%

50%FH

27%

44%

42%F

47%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D1b Here are some statements made by other people about planning ahead with their money. Please indicate how strongly you agree or disagree with them.
I tend to buy things on credit rather than wait and save up
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Strongly agree

136

71

65

17

35

31

18

34

74

62

68

15

131

3%H

3%

2%

3%

4%AGH

4%H

2%

2%

3%

2%

3%

5%AK

3%

3%

4%

11%AKM

3%

524

255

269

48

109

112

110

145

281

243

207

39

47

24

517

10%HK

10%

10%

8%

13%ADH

13%ADH

12%DH

8%

11%

10%

9%

13%K

15%AK

20%AK

4%

5%

10%

809

443

366

80

171

160

146

253

404

405

335

56

50

16

810

16%CHK

18%AC

14%

13%

20%ADH

18%ADH

16%

14%

16%

16%

14%

18%

16%

13%

19%

21%

16%
1173

Tend to agree

Neither agree nor disagree

Tend to disagree

1164

582

582

127

189

228

230

390

603

560

493

69

89

34

23%HK

24%

22%

21%

22%

26%ADEH

25%H

21%

24%

22%

21%

23%

29%AK

29%

19%

15%

23%

2370

1081

1289

316

351

332

392

979

1137

1233

1208

123

114

42

15

16

2376

47%BEFGIL

44%

49%AB

53%AEFG

41%

38%

43%F

53%AEFG

45%

48%AI

51%ALMN

40%

37%

35%

54%

48%

47%

Strongly disagree

MN
Don't know

Agree

75

36

39

14

10

36

30

45

48

72

1%M

1%

2%

2%FG

1%

1%

1%

2%AFG

1%

2%

2%AM

1%

1%

661

326

334

65

145

143

128

179

355

305

275

55

55

27

648

13%HJK

13%

13%

11%

17%ADH

16%ADH

14%H

10%

14%AJ

12%

12%

18%AK

18%AK

23%AK

8%

16%

13%
3549

Disagree

3534

1663

1871

443

541

560

622

1369

1740

1794

1701

192

203

75

20

20

70%BEFL

67%

72%AB

74%AEF

62%

64%

69%EF

75%AEFG

69%

70%

72%ALM

63%

66%

64%

74%

63%

70%

-2873

-1337

-1537

-377

-396

-417

-494

-1190

-1385

-1488

-1426

-138

-147

-48

-18

-15

-2901

-57%

-54%

-59%

-63%

-46%

-48%

-55%

-65%

-55%

-58%

-60%

-45%

-48%

-41%

-66%

-47%

-57%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D1b Here are some statements made by other people about planning ahead with their money. Please indicate how strongly you agree or disagree with them.
I tend to buy things on credit rather than wait and save up
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Strongly agree

136

73

35

27

29

101

77

59

47

89

14

19

25

71

57

70

131

3%DJ

3%AD

3%

2%

3%

3%

3%J

2%

4%AGHJ

2%

3%

2%

3%

3%

3%AP

2%

3%

524

287

116

119

75

440

316

208

145

379

32

91

91

304

182

317

517

10%CDEHJK

13%ACD

8%

8%

8%

11%AE

12%AHJ

9%

14%AGHJ

9%

7%

9%

11%K

11%AK

11%

11%

10%

809

376

211

218

122

639

459

351

200

609

68

145

129

427

259

471

810

16%DEHJ

17%AD

15%

14%

13%

16%E

17%AHJ

15%

19%AHJ

15%

16%

15%

16%

16%

16%

16%

16%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

1164

562

290

311

209

926

647

517

267

897

87

215

210

632

357

719

1173

23%D

26%ACD

21%

20%

22%

23%

24%J

22%

25%H

22%

20%

22%

25%K

24%

22%

24%A

23%

2370

852

697

818

499

1819

1176

1194

408

1963

229

493

364

1232

777

1401

2376

47%BGI

39%

51%AB

54%AB

53%AF

46%

44%I

50%AGI

38%

49%AGI

53%AMN

50%AMN

44%

46%

47%

47%

47%

75

16

25

26

11

34

25

50

67

13

24

18

20

72

1%BFGINP

1%

2%B

2%B

1%

1%

1%

2%AGIJ

1%

2%AGI

1%

1%

1%

1%

1%

1%

1%

Don't know

Agree

661

360

152

147

104

542

393

268

193

468

46

110

116

375

240

388

648

13%CDEHJ

17%ACD

11%

10%

11%

14%AE

15%AHJ

11%

18%AGHJ

12%

11%

11%

14%

14%AL

15%A

13%

13%
3549

Disagree

3534

1414

986

1129

707

2745

1823

1711

674

2860

316

708

574

1864

1134

2120

70%BGI

65%

72%AB

74%AB

75%AF

69%

68%I

72%AGI

63%

71%AGI

73%

73%A

69%

69%

69%

71%A

70%

-2873

-1053

-835

-982

-603

-2204

-1430

-1444

-481

-2392

-270

-598

-458

-1489

-894

-1732

-2901

-57%

-49%

-61%

-65%

-64%

-56%

-53%

-61%

-45%

-60%

-62%

-61%

-55%

-55%

-54%

-58%

-57%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


D1b Here are some statements made by other people about planning ahead with their money. Please indicate how strongly you agree or disagree with them.
I tend to buy things on credit rather than wait and save up
Base: all respondents

Region
Yorkshire
and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

Strongly agree

136

13

17

3%

3%

2%

524

21

10%O
809
16%Q

Tend to agree

Neither agree nor disagree

Tend to disagree

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern Several times


Ireland (M)
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

13

12

12

19

18

10

97

12

22

131

4%

3%

2%

3%

3%

3%

3%

2%

2%

3%

3%AQ

2%

3%

2%

3%

70

33

44

33

54

40

61

79

30

39

21

356

53

15

101

517

10%

12%DI

8%

10%

9%

11%

9%

9%

12%D

12%

9%

15%

12%AOQ

8%

9%

9%

10%

27

103

62

61

67

84

57

117

108

33

62

30

517

123

36

132

810

13%

18%H

15%

14%

18%H

18%

13%

17%

16%

13%

14%

21%

17%AQ

18%Q

22%AQ

12%

16%
1173

1164

42

129

86

121

94

107

95

144

174

48

95

29

722

190

46

205

23%Q

20%

23%

20%

27%ABDIK

26%

23%

22%

21%

27%ABDIK

19%

22%

20%

23%Q

27%ANQ

28%Q

18%

23%

2370

112

241

222

201

163

206

220

341

259

126

224

57

1368

307

63

632

2376

47%CJNP

53%ACEFG

43%

52%ACEFG

45%

45%

44%

51%CGJ

49%CJ

40%

51%CJ

52%ACFGJ

41%

44%

44%

38%

55%ANOP

47%

75

11

16

16

54

72

1%N

1%

2%

1%

2%

1%

2%

2%L

2%

2%AFL

2%L

1%

1%

5%ANOP

1%

Strongly disagree

J
Don't know

Agree

661

27

83

50

56

40

65

52

81

97

35

50

25

452

66

20

123

648

13%OQ

13%

15%

12%

13%

11%

14%

12%

12%

15%

14%

11%

18%

15%AOQ

9%

12%

11%

13%
3549

Disagree

Net agree

3534

154

370

308

321

256

313

315

485

433

174

319

86

2091

497

109

838

70%CN

73%C

66%

73%CJM

72%CJ

70%

67%

73%CJM

70%

66%

70%

74%ACGJM

61%

68%

72%N

66%

73%AN

70%

-2873

-127

-287

-257

-265

-217

-248

-263

-404

-336

-139

-269

-61

-1639

-431

-89

-715

-2901

-57%

-60%

-51%

-61%

-60%

-59%

-53%

-61%

-58%

-51%

-56%

-62%

-43%

-53%

-62%

-54%

-62%

-57%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Unweigh
ted total

Internet usage

Money Advice Service - Financial Capability Tracker Survey - FINAL


D1b Here are some statements made by other people about planning ahead with their money. Please indicate how strongly you agree or disagree with them.
I tend to buy things on credit rather than wait and save up
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Unweighted total

5079

3061

Weighted total

5079

2960

Strongly agree

136

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

Agree

Disagree

Net agree

Mixed race
(D)

Asian (E)

141

39

153

147

40*

158

72

3%

2%

5%

10%AB

524

268

16

10%B

9%

809

448

16%

15%

Black (F)

Other (G)

BME (H)

54

15

261

5079

59*

15**

273

5079

13

131

5%

3%

5%B

3%

33

12

50

517

11%

11%

21%ABC

21%AB

7%

18%AB

10%

16

31

46

810

11%

17%

20%C

9%

22%

17%

16%

1164

667

28

11

28

15

57

1173

23%

23%

19%

28%

18%

26%

13%

21%

23%

2370

1458

77

13

50

20

89

2376

47%EH

49%ADEFH

53%DEFH

32%

31%

34%

45%

33%

47%

75

46

10

18

72

1%

2%

2%

2%

6%AB

9%ABC

13%

7%AB

1%

661

340

23

40

14

63

648

13%B

11%

16%

20%

25%AB

23%AB

7%

23%AB

13%
3549

3534

2126

105

24

78

35

146

70%EH

72%AEFH

72%EH

60%

49%

59%

59%

53%

70%

-2873

-1785

-82

-16

-38

-21

-8

-83

-2901

-57%

-60%

-56%

-40%

-24%

-36%

-51%

-30%

-57%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D1c Here are some statements made by other people about planning ahead with their money. Please indicate how strongly you agree or disagree with them.
I regularly save money to spend on my children
Base: all those who have children living in their household

Gender

Age

Social grade

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

237

58

573

672

415

81

102

45

1245

251

53*

610

700

437

88*

109*

49*

8**

9**

1245

65

28

94

108

68

12

19

192

21%ADFG

14%

11%

17%

15%

15%

16%

14%

18%

17%

22%

15%

37

148

161

96

233

218

127

35

44

23

430

34%

20%

40%ADH

36%DH

38%DH

17%

38%AJ

31%

29%

40%

40%K

47%K

25%

45%

35%

198

49

87

136

73

19

155

209

125

23

28

347

26%

27%

23%

30%E

29%

36%

25%

30%

29%

26%

25%

19%

50%

20%

28%

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

Unweighted total

1245

534

711

174

329

447

Weighted total

1311

561

750

184

372

451

Strongly agree

202

77

125

21

78

15%G

14%

17%

12%

451

199

252

34%DHJK

35%

364

166

28%E

30%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

Agree

Unweigh
ted total

Income
15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

169

68

101

16

42

66

36

76

93

50

17

14

157

13%

12%

13%

9%

11%

15%D

14%

17%

12%

13%

12%

19%

13%

11%

12%

13%

13%

79

34

44

31

12

20

13

32

46

38

76

6%E

6%

6%

17%AEFGH

3%

5%

5%

5%

5%

7%

9%AL

1%

3%

6%

13%

6%

46

17

28

30

20

26

29

43

3%EF

3%

4%

16%AEFG

1%

1%

2%

9%AEFG

3%

4%

7%ALM

3%

653

276

378

59

227

226

125

18

327

326

195

47

63

32

622

50%DHJK

49%

50%

32%

61%ADFGH

50%DH

50%DH

34%

54%AJ

47%

45%

54%

58%K

64%K

25%

67%

50%

Disagree

Net agree

247

102

145

46

53

87

49

11

108

139

88

18

18

233

19%E

18%

19%

25%AE

14%

19%

20%

22%

18%

20%

20%

20%

17%

17%

25%

13%

19%

406

174

232

12

173

139

75

219

187

107

29

45

23

389

31%DHJK

31%

31%

7%

47%ADFGH

31%DH

30%DH

12%

36%AJ

27%

24%

33%

41%AK

47%AK

55%

31%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D1c Here are some statements made by other people about planning ahead with their money. Please indicate how strongly you agree or disagree with them.
I regularly save money to spend on my children
Base: all those who have children living in their household

Work status

Total (A)

Working (B)

Not working
(C)

Unweighted total

1245

737

Weighted total

1311

778

Strongly agree

202

Disability

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

228

99

253

225

634

642

501

1245

235

104*

262

243

665

668

533

1245

183

19

37

40

109

99

82

192

14%J

17%AJ

8%

8%

14%

16%K

16%K

15%

15%

15%

367

84

419

33

10

93

90

251

247

173

430

36%A

39%AHJ

23%J

39%AHJ

14%

10%

35%K

37%K

38%AK

37%

33%

35%

310

260

104

287

77

28

78

65

181

182

147

347

27%

27%

29%

27%

33%

27%

30%

27%

27%

27%

28%

28%

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

459

45

129

1077

899

346

1017

485

43*

134

1134

950

361

1076

124

69

22

174

151

51

15%JK

16%

14%

21%

17%

15%

16%J

451

306

138

37

407

34%CDHJK

39%ACD

28%

17%

28%

364

200

148

15

38

28%B

26%

30%

34%

28%

Neither agree nor disagree

Tend to disagree

Strongly disagree

Unweigh
Benefit recipient ted total

Home status

Retired (D)

Tend to agree

169

102

58

19

147

125

44

137

31

10

31

32

94

100

61

157

13%

13%

12%

19%

14%

13%

13%

12%

13%

13%

9%

12%

13%

14%

15%A

11%

13%

79

33

44

13

63

35

44

45

33

26

17

13

22

36

39

76

6%BGIN

4%

9%AB

4%

10%

6%

4%

12%AGI

4%

14%AGI

25%ALMN

7%N

5%

3%

5%

7%

6%

Don't know

46

14

28

33

11

35

42

22

31

43

3%BFGINO

2%

6%AB

5%

3%

3%

1%I

10%AGI

18%AGHI

21%ALMN

2%

1%

1%

6%AO

3%

Agree

653

429

207

16

60

581

519

135

602

51

19

130

130

361

346

255

622

50%CHJK

55%ACD

43%

37%

44%

51%A

55%AHJ

37%J

56%AHJ

22%

18%

50%K

53%K

54%AK

52%

48%

50%

Disagree

Net agree

247

135

102

10

32

210

160

88

183

65

35

49

45

116

136

100

233

19%GI

17%

21%

23%

24%

19%

17%

24%AGI

17%

27%AGI

34%ALMN

19%

19%

17%

20%

19%

19%

406

294

105

28

371

359

47

419

-13

-16

82

85

245

210

155

389

31%CDEHJK

38%ACD

22%

14%

21%

33%AE

38%AHJ

13%J

39%AHJ

-6%

-16%

31%K

35%K

37%AK

31%

29%

31%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base

Relationship status

Money Advice Service - Financial Capability Tracker Survey - FINAL


D1c Here are some statements made by other people about planning ahead with their money. Please indicate how strongly you agree or disagree with them.
I regularly save money to spend on my children
Base: all those who have children living in their household

Region
Yorkshire
and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

1245

48

162

96

109

Weighted total

1311

45*

153

104*

Strongly agree

202

25

15

15%

15%

16%

14%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

Agree

Disagree

Net agree

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern Several times


Ireland (M)
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

110

116

112

161

151

48

103

29

916

161

39

129

1245

117

101

141

113

164

167

48*

99

59**

966

168

43*

135

1245

21

15

16

16

30

29

16

144

25

29

192

18%

14%

11%

14%

18%

18%

14%

16%

10%

15%

15%

10%

22%AN

15%

451

18

41

32

38

33

47

47

53

60

20

45

16

330

64

14

44

430

34%C

40%

27%

31%

33%

33%

34%

42%C

33%

36%

42%

45%ACDI

27%

34%

38%

33%

33%

35%

364

10

42

39

36

23

43

29

49

38

11

25

19

270

49

16

30

347

28%

23%

28%

37%AFJ

31%

23%

31%

26%

30%

23%

23%

25%

32%

28%

29%

37%

22%

28%

169

16

11

13

18

17

13

22

23

16

129

22

12

157

13%

14%

10%

10%

11%

18%L

12%

11%

13%

14%

10%

9%

27%

13%

13%

13%

9%

13%

79

23

11

10

63

76

6%

6%

15%ADEFHIJL

2%

5%

6%

8%

4%

4%

6%

4%

2%

3%

7%

3%

5%

6%

6%

46

30

12

43

3%

2%

4%

5%

3%

5%I

5%

3%

1%

4%

6%I

3%

3%

2%

2%

9%ANO

3%

653

25

67

47

59

47

63

63

83

89

27

61

22

473

88

18

73

622

50%

55%

43%

45%

51%

47%

45%

56%C

51%

53%

56%

61%ACDFG

38%

49%

53%

43%

54%

50%

247

39

13

19

24

28

18

29

33

11

18

192

28

20

233

19%L

20%

25%ADL

12%

16%

24%DL

20%

16%

18%

20%

15%

11%

30%

20%

16%

18%

15%

19%

406

15

28

34

41

23

35

45

54

56

20

50

281

61

11

53

389

31%CN

34%C

18%

33%C

35%C

23%

25%

40%ACFG

33%C

34%C

42%CFG

51%ACDEFG

7%

29%

36%

25%

39%AN

31%

IJ

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D1c Here are some statements made by other people about planning ahead with their money. Please indicate how strongly you agree or disagree with them.
I regularly save money to spend on my children
Base: all those who have children living in their household

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Unweighted total

1245

553

44

10

60

10

83

1245

Weighted total

1311

564

46*

11**

63*

10**

3**

87*

1245

Strongly agree

202

93

12

15

192

15%

16%

18%

20%

10%

32%

17%

15%

451

204

14

23

33

430

34%

36%

31%

43%

37%

43%

37%

38%

35%

364

154

11

17

26

347

28%

27%

24%

36%

27%

47%

32%

30%

28%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

Agree

Disagree

Net agree

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

169

69

10

157

13%

12%

21%EH

21%

6%

7%

13%

79

26

76

6%

5%

4%

4%

3%

6%

46

17

43

3%

3%

2%

6%

4%

3%

653

297

22

36

48

622

50%

53%

48%

43%

57%

53%

68%

55%

50%

247

95

12

233

19%H

17%

26%H

21%

11%

10%

19%

406

202

10

29

39

389

31%

36%A

23%

23%

46%AC

53%

68%

45%AC

31%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D1d Here are some statements made by other people about planning ahead with their money. Please indicate how strongly you agree or disagree with them.
I always begin saving well in advance for Christmas
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Strongly agree

868

362

506

72

139

148

159

351

428

440

399

56

58

20

884

17%BD

15%

19%AB

12%

16%D

17%D

18%D

19%AD

17%

17%

17%

18%

19%

17%

26%

26%

17%

1446

643

803

180

273

261

231

501

695

751

668

91

85

33

1450

28%BG

26%

31%AB

30%

31%AGH

30%G

26%

27%

27%

29%

28%

30%

28%

28%

21%

22%

29%

1312

721

591

166

203

222

225

495

696

616

595

66

73

25

11

1322

26%CJ

29%AC

23%

28%

23%

26%

25%

27%

28%AJ

24%

25%

22%

24%

21%

40%

27%

26%

875

414

461

122

168

143

183

259

451

424

394

70

59

26

853

17%H

17%

18%

20%AH

19%H

16%

20%AFH

14%

18%

17%

17%

23%AK

19%

22%

6%

14%

17%

489

285

204

52

67

82

95

192

226

262

248

21

31

14

487

10%C

12%AC

8%

9%

8%

9%

11%

10%E

9%

10%

11%L

7%

10%

12%

7%

12%

10%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

Agree

Disagree

40,000 to
49,999 (O)

50,000+ (P)

89

43

45

11

15

14

39

34

55

54

83

2%I

2%

2%

2%

2%

2%

1%

2%G

1%

2%AI

2%A

1%

1%

2%

2314

1005

1310

252

412

409

390

852

1123

1191

1067

146

143

53

13

15

2334

46%B

41%

50%AB

42%

48%D

47%

43%

46%

44%

47%

45%

48%

46%

45%

47%

47%

46%

1364

699

665

174

236

225

278

451

677

687

643

90

90

39

1340

27%CH

28%AC

25%

29%H

27%

26%

31%AFH

25%

27%

27%

27%

30%

29%

33%

13%

25%

26%

950

306

644

78

176

184

111

401

446

505

425

56

53

14

994

19%BDGI

12%

25%AB

13%

20%DG

21%ADG

12%

22%ADG

18%

20%

18%

18%

17%

12%

34%

22%

20%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D1d Here are some statements made by other people about planning ahead with their money. Please indicate how strongly you agree or disagree with them.
I always begin saving well in advance for Christmas
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Strongly agree

868

354

219

295

184

667

513

355

204

664

56

161

107

519

293

501

884

17%HKM

16%

16%

19%ABC

20%A

17%

19%AHJ

15%

19%H

17%H

13%

16%M

13%

19%AKM

18%

17%

17%

1446

648

384

411

266

1143

819

627

349

1097

131

296

235

752

493

845

1450

28%HJ

30%

28%

27%

28%

29%

30%AHJ

26%

32%AHJ

27%

30%

30%

28%

28%

30%

28%

29%

1312

543

335

427

230

1030

673

639

246

1066

117

236

211

703

372

811

1322

26%IO

25%

24%

28%ABC

24%

26%

25%

27%I

23%

27%AGI

27%

24%

25%

26%

23%

27%AO

26%

875

410

253

211

134

717

450

425

194

681

88

157

171

450

303

538

853

17%DE

19%AD

18%D

14%

14%

18%AE

17%

18%

18%

17%

20%

16%

21%ALN

17%

18%

18%

17%

489

185

153

150

111

365

214

275

75

414

39

109

89

238

171

273

487

10%BGIN

9%

11%AB

10%

12%AF

9%

8%

12%AGIJ

7%

10%AGI

9%

11%N

11%

9%

10%

9%

10%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

89

26

29

25

18

38

31

58

81

16

15

28

18

31

83

2%BFGINOP

1%

2%B

2%

2%F

1%

1%

2%AGI

1%

2%AGI

1%

2%

2%

1%

1%

1%

2%

2314

1002

604

706

450

1810

1332

982

553

1761

187

457

342

1272

786

1346

2334

46%HJM

46%

44%

46%

48%

46%

49%AHJ

41%

51%AHJ

44%H

43%

47%M

41%

47%AM

48%A

45%

46%

Agree

Disagree

1364

595

406

361

245

1082

664

700

269

1095

128

266

260

688

475

811

1340

27%DGN

27%D

30%AD

24%

26%

27%

25%

29%AGIJ

25%

27%G

29%

27%

31%AN

26%

29%A

27%

26%

950

407

197

345

205

728

668

282

284

666

60

191

82

584

311

535

994

19%CHJKM

19%C

14%

23%ABC

22%AF

18%

25%AHJ

12%

26%AHJ

17%H

14%

20%KM

10%

22%AKM

19%

18%

20%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


D1d Here are some statements made by other people about planning ahead with their money. Please indicate how strongly you agree or disagree with them.
I always begin saving well in advance for Christmas
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

Strongly agree

868

51

94

79

17%J

24%ACEFG

17%

19%

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

418

406

441

705

620

257

365

470

433

693

653

247

78

51

69

75

120

92

18%

14%

15%

17%

17%

14%

2 to 5 times a Once a week


week (P)
or less (Q)

468

72

3074

723

173

1109

5079

433

141*

3076

691

165

1147

5079

56

80

21

528

109

21

211

884

23%ACFGJ

19%J

15%

17%

16%

13%

18%

17%

HIJ
Tend to agree

1446

67

172

124

116

123

126

120

174

160

72

146

46

842

217

58

329

1450

28%IJN

32%IJ

30%IJ

29%

26%

34%AEGIJ

27%

28%

25%

24%

29%

34%AEGHI

33%

27%

31%N

35%AN

29%

29%

J
Neither agree nor disagree

Tend to disagree

1312

46

146

113

117

93

129

112

194

195

35

107

24

821

187

47

257

1322

26%KQ

22%K

26%K

27%K

26%K

26%K

28%K

26%K

28%K

30%ABKM

14%

25%K

17%

27%Q

27%Q

28%

22%

26%

875

27

93

66

86

62

81

75

117

103

54

70

42

558

124

29

164

853

17%Q

13%

16%

16%

19%B

17%

17%

17%

17%

16%

22%ABDJ

16%

30%ABCDF

18%AQ

18%Q

18%

14%

17%

489

17

52

34

40

34

58

41

74

81

25

25

299

50

10

130

487

10%LO

8%

9%L

8%

9%

9%L

12%DL

9%L

11%L

12%ADL

10%L

6%

5%

10%O

7%

6%

11%AOP

10%

GHIJL
Strongly disagree

Don't know

Agree

89

14

22

28

56

83

2%FNO

1%

2%

2%

2%

1%

1%

2%F

2%F

3%AFGL

2%

1%

1%

1%

5%ANOP

2%

2314

119

265

203

194

174

195

195

294

252

128

227

68

1370

326

79

540

2334

46%J

56%ACDEF

47%J

48%J

44%

48%J

42%

45%J

42%

39%

52%AEGIJ

52%AEGHI

48%

45%

47%

48%

47%

46%

GHIJ
Disagree

1364

44

144

100

126

96

139

116

191

185

79

95

49

857

174

39

294

1340

27%BL

21%

26%

24%

28%BL

26%

30%BL

27%

28%BL

28%BL

32%BDL

22%

35%BL

28%

25%

24%

26%

26%

950

75

121

103

68

78

56

79

103

67

49

132

19

513

152

40

246

994

19%GIJN

36%ACDEF

21%EGIJ

24%AEGHI

15%J

21%EGIJ

12%

18%GJ

15%J

10%

20%GJ

30%ACDEF

14%

17%

22%AN

24%N

21%AN

20%

Net agree

GHIJKM

JM

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

GHIJKM

Money Advice Service - Financial Capability Tracker Survey - FINAL


D1d Here are some statements made by other people about planning ahead with their money. Please indicate how strongly you agree or disagree with them.
I always begin saving well in advance for Christmas
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Unweighted total

Asian (E)

5079

3061

Weighted total

5079

2960

141

39

153

147

40*

158

Strongly agree

868

560

22

25

17%F

19%AFH

15%

19%F

Tend to agree

1446

847

40

28%

29%

Neither agree nor disagree

1312

751

26%
875
17%BCF

Tend to disagree

Strongly disagree

Don't know

Agree

Disagree

Black (F)

Other (G)

BME (H)

54

15

261

5079

59*

15**

273

5079

36

884

16%

5%

13%

17%

52

20

83

1450

27%

21%

33%

34%

11%

30%

29%

52

10

34

23

74

1322

25%

35%ABE

25%

21%

38%ABEH

48%

27%E

26%

465

12

10

21

36

853

16%CF

8%

25%CFH

13%

6%

7%

13%

17%

489

286

18

15

23

487

10%

10%

12%

5%

10%

6%

15%

8%

10%

89

50

11

22

83

2%

2%

2%

5%

7%ABC

11%ABC

19%

8%ABC

2%

2314

1407

62

16

78

23

118

2334

46%

48%A

42%

40%

49%H

39%

11%

43%

46%

1364

752

31

12

36

58

1340

27%BFH

25%F

21%

30%F

23%

11%

22%

21%F

26%

950

655

31

41

17

-2

60

994

19%

22%A

21%

10%

26%AD

28%D

-12%

22%

20%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D1 Here are some statements made by other people about planning ahead with their money. Please indicate how strongly you agree or disagree with them.
Summary table
Base: as shown in each column

Base: all
respondents I
always make
sure I have
money saved
for a rainy
day

Base: all
respondents I
tend to buy
things on
credit rather
than wait and
save up

Base: all
those who
have children
living in their
household I
regularly
save money
to spend on
my children

Base: all
respondents I
always begin
saving well in
advance for
Christmas

Unweighted total

5079

5079

1245

5079

Weighted total

5079

5079

1311

5079

Strongly agree

1564

136

202

868

31%

3%

15%

17%
1446

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

Agree

1632

524

451

32%

10%

34%

28%

936

809

364

1312

18%

16%

28%

26%

590

1164

169

875

12%

23%

13%

17%

294

2370

79

489

6%

47%

6%

10%

63

75

46

89

1%

1%

3%

2%
2314

3196

661

653

63%

13%

50%

46%

Disagree

883

3534

247

1364

17%

70%

19%

27%

Net agree

2313

-2873

406

950

46%

-57%

31%

19%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)

Money Advice Service - Financial Capability Tracker Survey - FINAL


D20 You said earlier that you keep track of your expenditure. Do you set a personal budget of how much you can spend?
Base: all those who keep track of their expenditure

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

4368

2109

2259

449

650

729

729

1811

2262

2106

1989

258

270

104

25

30

4368

Weighted total

4344

2092

2252

475

732

734

773

1630

2247

2096

1989

265

279

105*

25**

29**

4368

Yes

2374

1083

1291

269

430

417

432

825

1162

1212

1123

143

143

56

11

14

2366

55%BHI

52%

57%AB

57%H

59%AH

57%H

56%H

51%

52%

58%AI

56%A

54%

51%

54%

46%

48%

54%

1970

1009

961

206

302

317

341

805

1086

884

866

122

135

49

13

15

2002

45%CEJK

48%AC

43%

43%

41%

43%

44%

49%ADEFG

48%AJ

42%

44%

46%

49%

46%

54%

52%

46%

No

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D20 You said earlier that you keep track of your expenditure. Do you set a personal budget of how much you can spend?
Base: all those who keep track of their expenditure

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

4368

1827

1069

1461

829

3416

2408

1960

877

3491

326

811

666

2452

1399

2644

4368

Weighted total

4344

1887

1094

1351

810

3406

2359

1985

926

3418

346

792

692

2399

1381

2623

4368

Yes

2374

1036

648

685

450

1839

1274

1100

539

1834

182

488

411

1225

810

1363

2366

55%DJNP

55%D

59%ABD

51%

56%

54%

54%

55%J

58%AGJ

54%

53%

62%AKN

59%AN

51%

59%AP

52%

54%

1970

851

445

666

360

1566

1085

885

386

1584

164

303

281

1173

571

1259

2002

45%CILMO

45%C

41%

49%ABC

44%

46%

46%I

45%

42%

46%AHI

47%L

38%

41%

49%ALM

41%

48%AO

46%

No

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


D20 You said earlier that you keep track of your expenditure. Do you set a personal budget of how much you can spend?
Base: all those who keep track of their expenditure

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

4368

208

535

358

348

Weighted total

4344

185

484

372

Yes

2374

100

283

186

55%IN

54%

58%DHI

50%

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

354

349

390

617

525

222

398

64

2696

639

155

878

4368

357

308

402

379

604

549

213

364

125*

2686

607

146

904

4368

202

182

209

189

300

305

115

215

89

1423

334

91

525

2366

57%I

59%DHI

52%

50%

50%

55%

54%

59%DHI

71%ABDEG

53%

55%

62%N

58%AN

54%

HIJK
No

1970

85

202

187

155

126

193

190

304

244

98

150

36

1263

273

55

379

2002

45%MQ

46%M

42%

50%CFLM

43%M

41%

48%M

50%CFLM

50%ACEFL

45%M

46%M

41%

29%

47%APQ

45%

38%

42%

46%

M
Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


D20 You said earlier that you keep track of your expenditure. Do you set a personal budget of how much you can spend?
Base: all those who keep track of their expenditure

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

4368

2679

128

31

100

37

177

4368

Weighted total

4344

2573

133

32*

103*

40*

9**

183

4368

Yes

2374

1366

80

20

59

26

112

2366

55%B

53%

60%

64%

57%

67%

70%

61%B

54%

1970

1208

53

11

44

13

71

2002

45%

47%AH

40%

36%

43%

33%

30%

39%

46%

No

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D21 Which of the following best describes how long you usually plan your budget for?
Base: all those who set a personal budget

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

2366

1074

1292

253

379

414

409

911

1154

1212

1114

140

138

56

11

14

2366

Weighted total

2374

1083

1291

269

430

417

432

825

1162

1212

1123

143

143

56*

11**

14**

2366

Weekly

727

303

424

99

119

128

122

260

243

483

373

32

25

11

716

31%BILM

28%

33%AB

37%AEG

28%

31%

28%

31%

21%

40%AI

33%ALMN

22%

17%

19%

43%

8%

30%

226

111

116

24

49

44

46

64

73

154

133

224

10%HIMN

10%

9%

9%

11%H

10%

11%

8%

6%

13%AI

12%ALMN

5%

2%

1%

9%

8%

9%

Fortnightly

Monthly

1234

584

650

120

245

219

231

419

752

481

524

95

108

44

10

1240

52%DJK

54%

50%

44%

57%AD

52%D

53%D

51%

65%AJ

40%

47%

67%AK

76%AK

78%AK

39%

69%

52%

Less frequently than this

It varies too much to say

Don't know/no answer

52

22

29

13

22

31

21

19

53

2%

2%

2%

2%

1%

1%

3%

3%

3%

2%

2%

3%

2%

8%

15%

2%

135

63

73

20

12

21

21

60

63

72

75

133

6%E

6%

6%

8%E

3%

5%

5%

7%AE

5%

6%

7%

3%

3%

2%

6%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D21 Which of the following best describes how long you usually plan your budget for?
Base: all those who set a personal budget

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

2366

1000

629

733

457

1828

1279

1087

504

1862

172

498

392

1238

817

1358

2366

Weighted total

2374

1036

648

685

450

1839

1274

1100

539

1834

182

488

411

1225

810

1363

2366

Weekly

727

275

232

219

161

540

338

389

191

535

60

219

128

305

310

341

716

31%BFGJNP

26%

36%AB

32%B

36%AF

29%

27%

35%AGJ

35%AGJ

29%G

33%N

45%AKMN

31%N

25%

38%AP

25%

30%

226

53

129

44

88

126

91

135

42

184

14

99

38

70

140

61

224

10%BDFGNP

5%

20%ABD

6%

20%AF

7%

7%

12%AGIJ

8%

10%G

8%

20%AKMN

9%N

6%

17%AP

4%

9%

Fortnightly

Monthly

1234

649

240

342

171

1030

751

482

273

960

84

140

227

749

303

857

1240

52%CEHLO

63%ACD

37%

50%C

38%

56%AE

59%AHIJ

44%

51%H

52%H

46%L

29%

55%KL

61%AKLM

37%

63%AO

52%

Less frequently than this

It varies too much to say

Don't know/no answer

52

15

12

24

41

28

23

43

33

17

33

53

2%BL

1%

2%

4%AB

2%

2%

2%

2%

2%

2%

4%L

1%

1%

3%L

2%

2%

2%

135

45

35

56

22

102

65

70

24

111

17

26

12

69

40

71

133

6%BM

4%

5%

8%ABC

5%

6%

5%

6%

4%

6%

9%AM

5%

3%

6%M

5%

5%

6%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


D21 Which of the following best describes how long you usually plan your budget for?
Base: all those who set a personal budget

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

2366

111

309

177

196

Weighted total

2374

100

283

186

Weekly

727

39

103

65

31%ENP

39%EHIJ

37%AEHIJ

226

12

34

10%DN

12%D

12%D

Fortnightly

Monthly

Less frequently than this

It varies too much to say

Don't know/no answer

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

204

182

195

306

286

120

235

45

1409

344

96

517

2366

202

182

209

189

300

305

115

215

89*

1423

334

91*

525

2366

49

59

59

48

79

80

41

70

35

403

88

17

219

716

35%E

24%

32%

28%

26%

26%

26%

35%E

32%

39%E

28%P

26%

18%

42%ANOP

30%

10

21

20

20

20

23

28

10

22

112

33

10

70

224

5%

10%

11%D

10%

10%

8%

9%

9%

10%

6%

8%

10%

11%

13%AN

9%

2 to 5 times a Once a week


week (P)
or less (Q)

1234

40

133

96

112

95

107

102

170

165

56

111

47

804

188

55

187

1240

52%BQ

40%

47%

52%B

55%B

52%B

51%

54%B

57%BC

54%B

49%

52%B

53%

56%AQ

56%Q

60%Q

36%

52%

52

31

12

53

2%

3%

1%

2%

2%

1%

4%F

2%

3%

3%

2%

2%

2%

2%

2%

2%

2%

135

11

18

15

14

18

23

73

19

36

133

6%C

6%

3%

6%

9%CFL

4%

7%C

7%C

6%

8%CL

5%

4%

2%

5%

6%

8%

7%

6%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Unweigh
ted total

Internet usage

Money Advice Service - Financial Capability Tracker Survey - FINAL


D21 Which of the following best describes how long you usually plan your budget for?
Base: all those who set a personal budget

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

2366

1411

77

20

58

25

109

2366

Weighted total

2374

1366

80*

20**

59*

26**

6**

112

2366

Weekly

727

434

24

15

28

716

31%

32%

30%

25%

26%

19%

50%

25%

30%

226

135

14

224

10%C

10%C

2%

14%

9%

21%

12%C

9%

Fortnightly

Monthly

Less frequently than this

It varies too much to say

Don't know/no answer

1234

686

41

10

35

15

63

1240

52%B

50%

52%

49%

60%

57%

50%

57%

52%

52

29

53

2%

2%

7%ABE

12%

2%

2%

135

82

133

6%

6%

8%

4%

4%

3%

6%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D4 How often if at all do you end up sticking to the budget you set?
Base: all those who set a personal budget

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

2366

1074

1292

253

379

414

409

911

1154

1212

1114

140

138

56

11

14

2366

Weighted total

2374

1083

1291

269

430

417

432

825

1162

1212

1123

143

143

56*

11**

14**

2366

Always

518

248

270

46

58

65

75

273

227

291

295

16

24

513

22%EFGIL

23%

21%

17%

13%

16%

17%

33%ADEFG

20%

24%AI

26%ALM

11%

17%

16%

8%

28%

22%

1433

659

774

165

257

270

288

453

764

669

628

99

103

35

10

10

1451

60%HJK

61%

60%

61%

60%

65%AH

67%AEH

55%

66%AJ

55%

56%

69%AK

72%AK

63%

92%

72%

61%

Most of the time

Sometimes

328

134

194

46

96

63

54

69

124

204

152

22

11

313

14%HIM

12%

15%

17%H

22%AFGH

15%H

13%H

8%

11%

17%AI

14%

15%

8%

15%

13%

Hardly ever

Never

Don't know

61

25

37

15

13

13

12

34

27

29

58

3%H

2%

3%

3%

3%H

3%

3%

1%

3%

2%

3%

4%

2%

5%

2%

16

12

14

1%I

1%

1%

1%

1%

1%

1%I

1%

1%

1%

17

10

11

17

1%

1%

1%

1%

1%A

1%

1%

1%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL (internal/client use only)
Table 460

D4 How often if at all do you end up sticking to the budget you set?
Base: all those who set a personal budget

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

2366

1000

629

733

457

1828

1279

1087

504

1862

172

498

392

1238

817

1358

2366

Weighted total

2374

1036

648

685

450

1839

1274

1100

539

1834

182

488

411

1225

810

1363

2366

Always

518

162

124

231

115

385

243

275

77

441

25

118

58

297

163

289

513

22%BGIKM

16%

19%

34%ABC

26%AF

21%

19%I

25%AGI

14%

24%AGI

14%

24%KM

14%

24%AKM

20%

21%

22%

1433

675

375

382

257

1136

822

612

352

1081

122

275

254

759

499

847

1451

60%DHJL

65%ACD

58%

56%

57%

62%A

64%AHJ

56%

65%AHJ

59%H

67%L

56%

62%

62%L

62%

62%

61%

Most of the time

Sometimes

328

158

119

49

62

249

165

163

89

239

24

77

78

136

120

176

313

14%DJN

15%D

18%AD

7%

14%

14%

13%

15%J

16%G

13%

13%

16%N

19%AN

11%

15%

13%

13%

Hardly ever

Never

Don't know

61

33

20

11

50

31

30

16

45

14

16

22

19

37

58

3%DN

3%D

3%D

1%

2%

3%

2%

3%

3%

2%

5%N

3%

4%N

2%

2%

3%

2%

16

10

13

14

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

17

10

11

15

17

1%BF

1%

1%B

1%

1%

1%

1%

1%

1%

1%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


D4 How often if at all do you end up sticking to the budget you set?
Base: all those who set a personal budget

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

2366

111

309

177

196

Weighted total

2374

100

283

186

Always

518

26

68

37

22%GNOP

26%G

24%G

1433

59

167

60%JQ

59%

59%

Most of the time

Sometimes

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

204

182

195

306

286

120

235

45

1409

344

96

517

2366

202

182

209

189

300

305

115

215

89*

1423

334

91*

525

2366

43

43

31

40

79

58

31

50

12

234

52

10

221

513

20%

21%

24%G

15%

21%

26%AGJ

19%

27%G

23%G

13%

16%

16%

11%

42%ANOP

22%

118

132

116

130

112

183

160

67

133

55

942

230

65

197

1451

64%J

65%J

64%J

62%J

59%

61%J

52%

59%

62%J

62%

66%AQ

69%AQ

71%AQ

37%

61%

328

12

36

22

20

17

36

29

32

69

11

26

18

196

45

14

72

313

14%

12%

13%

12%

10%

9%

17%EFI

15%

11%

23%ABCDE

10%

12%

20%

14%

14%

16%

14%

13%

61

10

12

39

14

58

3%

3%

3%

2%

1%

3%

5%EIL

2%

1%

4%

3%

1%

5%

3%

2%

1%

3%

2%

FIKL
Hardly ever

Never

Don't know

16

14

1%

1%

1%

2%I

2%AI

1%

1%

2%ANO

1%

17

13

17

1%N

1%

2%

1%

1%

1%

1%

1%

1%

2%ANO

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


D4 How often if at all do you end up sticking to the budget you set?
Base: all those who set a personal budget

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

2366

1411

77

20

58

25

109

2366

Weighted total

2374

1366

80*

20**

59*

26**

6**

112

2366

Always

518

362

15

12

20

513

22%

27%A

18%

22%

20%

4%

45%

18%

22%

Most of the time

1433

804

48

31

17

59

1451

60%

59%

60%

41%

53%

64%

38%

53%

61%

Sometimes

Hardly ever

Never

Don't know

328

153

15

13

26

313

14%B

11%

18%

22%

22%B

28%

17%

23%AB

13%

61

27

58

3%B

2%

2%

11%

2%

2%

16

14

1%

1%

1%

4%

1%

1%

17

12

17

1%

1%

4%

5%AB

3%AB

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D6 Do you anticipate needing money in the foreseeable future for any of the following?
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Buying or replacing a car or other vehicle

1067

535

532

175

201

217

208

266

633

435

398

83

89

49

14

1065

21%HJK

22%

20%

29%AEGH

23%H

25%AH

23%H

14%

25%AJ

17%

17%

27%AK

29%AK

42%AKLM

31%

42%AK

21%

885

415

470

49

171

203

198

265

574

311

321

75

83

47

890

17%DHJK

17%

18%

8%

20%DH

23%ADH

22%ADH

14%D

23%AJ

12%

14%

25%AK

27%AK

40%AKLM

17%

29%K

18%

Major house repairs or home


improvements

Buying a home

50,000+ (P)

532

205

327

167

186

104

44

30

334

198

198

55

62

20

507

10%BGHJK

8%

13%AB

28%AEFGH

21%AFGH

12%GH

5%H

2%

13%AJ

8%

8%

18%AK

20%AK

17%AK

16%

17%

10%

Providing some sort of financial support


for your child/children

525

228

298

39

107

114

124

142

302

223

190

30

42

28

528

10%BDHJK

9%

11%AB

6%

12%DH

13%ADH

14%ADH

8%

12%AJ

9%

8%

10%

13%K

24%AKLM

24%

25%AKL

10%

A wedding

Travelling overseas for an extended period


(more than one month, not including
business travel)

375

161

214

87

119

48

55

66

216

159

167

33

29

360

7%BFHJ

7%

8%AB

15%AFGH

14%AFGH

6%H

6%H

4%

9%AJ

6%

7%

11%AKN

10%

4%

7%

16%N

7%

299

301

126

176

71

75

53

32

70

180

121

125

18

27

12

6%BGHJ

5%

7%AB

12%AFGH

9%AGH

6%GH

4%

4%

7%AJ

5%

5%

6%

9%AK

10%AK

12%

15%AKL

6%

271

104

167

63

134

52

13

158

113

101

23

28

253

5%BGHJK

4%

6%AB

10%AFGH

15%ADFGH

6%GH

1%H

6%AJ

4%

4%

8%K

9%AK

6%

8%

10%

5%

138

73

64

11

24

33

36

34

76

62

51

136

3%HK

3%

2%

2%

3%

4%ADH

4%ADH

2%

3%

2%

2%

3%

1%

4%

6%

3%

44

17

27

12

11

25

19

11

45

1%K

1%

1%

1%

1%

1%H

1%

1%

1%

1%

2%AK

1%

1%

1%
19

The costs associated with having a new


baby

The care of an elderly relative

Holidays/trips

Education/study fees

22

15

14

12

10

17

*H

1%

2%AEFGH

1%A

133

48

85

13

27

29

28

36

71

62

72

132

3%BH

2%

3%AB

2%

3%

3%H

3%

2%

3%

2%

3%

2%

2%

3%

3%

3%

2029

1056

973

175

237

279

362

976

876

1153

1048

95

98

25

10

2069

40%CDEFIL

43%AC

37%

29%

27%

32%E

40%DEF

53%ADEFG

35%

45%AI

44%ALMNP

31%

32%N

21%

36%

23%

41%

Something else

None of the above

MN
Refused

115

58

57

10

13

10

74

32

83

80

105

2%EGIM

2%

2%

2%

1%

2%

1%

4%ADEFG

1%

3%AI

3%ALMN

1%

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D6 Do you anticipate needing money in the foreseeable future for any of the following?
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

470

213

257

62

77

76

80

175

186

284

238

11

460

9%ILMN

9%

10%

10%

9%

9%

9%

10%

7%

11%AI

10%LMN

4%

3%

1%

9%

Weighted total
Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D6 Do you anticipate needing money in the foreseeable future for any of the following?
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent
(J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Buying or replacing a car or other vehicle

1067

615

241

211

125

923

673

394

298

769

111

109

170

660

272

766

1065

21%CDEHJL

28%ACD

18%D

14%

13%

23%AE

25%AHJ

17%

28%AGHJ

19%H

26%ALM

11%

21%L

25%ALM

16%

26%AO

21%

O
Major house repairs or home
improvements

885

496

172

218

136

737

616

269

264

621

23

53

41

757

253

604

890

17%CDEHJK

23%ACD

13%

14%

14%

19%AE

23%AHJ

11%

25%AHJ

16%H

5%

5%

5%

28%AKLM

15%

20%AO

18%

LMO
Buying a home

532

354

153

24

41

479

279

253

143

389

103

36

209

176

115

395

507

10%DEJLNO

16%ACD

11%D

2%

4%

12%AE

10%

11%J

13%AGHJ

10%

24%ALN

4%

25%ALN

7%L

7%

13%AO

10%

Providing some sort of financial support


for your child/children

525

279

133

113

69

449

386

139

270

256

25

85

84

326

215

291

528

10%DEHJK

13%ACD

10%D

7%

7%

11%AE

14%AHJ

6%

25%AGHJ

6%

6%

9%

10%K

12%AKL

13%AP

10%

10%

A wedding

Travelling overseas for an extended period


(more than one month, not including
business travel)

375

206

127

40

54

316

241

134

82

293

42

61

89

180

111

253

360

7%DEHN

10%AD

9%AD

3%

6%

8%AE

9%AHJ

6%

8%H

7%H

10%LN

6%

11%ALN

7%

7%

8%AO

7%

299

301

140

97

64

39

251

154

148

49

252

40

32

91

134

78

211

6%DEILNO

6%D

7%AD

4%

4%

6%AE

6%

6%

5%

6%AI

9%ALN

3%

11%ALN

5%L

5%

7%AO

6%

271

171

91

27

239

199

72

107

164

27

32

80

130

95

171

253

5%DEHJL

8%AD

7%AD

3%

6%AE

7%AHJ

3%

10%AGHJ

4%H

6%L

3%

10%AKLN

5%L

6%

6%

5%

138

74

38

25

32

101

87

51

40

98

14

33

80

44

80

136

3%DHJL

3%AD

3%D

2%

3%

3%

3%AHJ

2%

4%AHJ

2%

1%

1%

4%AKL

3%KL

3%

3%

3%

44

29

35

17

27

35

20

10

32

45

1%C

1%ACD

1%

1%

1%

1%

1%

1%

1%

2%

1%

1%

1%

1%

1%

1%
19

The costs associated with having a new


baby

The care of an elderly relative

Holidays/trips

Education/study fees

22

15

18

15

20

16

*DGO

*D

1%ABD

1%G

*G

1%ALN

1%

1%

133

56

51

26

47

79

51

82

20

113

17

30

42

42

72

57

132

3%DFGNP

3%

4%AD

2%

5%AF

2%

2%

3%AGIJ

2%

3%G

4%N

3%N

5%ALN

2%

4%AP

2%

3%

2029

638

558

828

481

1503

963

1066

319

1709

141

539

298

1005

753

1122

2069

40%BFGIKM

29%

41%B

54%ABC

51%AF

38%

36%I

45%AGIJ

30%

43%AGI

32%

55%AKMN

36%

37%K

46%AP

37%

41%

Something else

None of the above

NP
Refused

115

20

21

63

14

62

37

78

107

18

49

21

24

105

2%BCFGIKM

1%

2%

4%ABC

1%

2%

1%I

3%AGIJ

1%

3%AGI

2%K

1%

2%K

1%

1%

2%

NOP

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


D6 Do you anticipate needing money in the foreseeable future for any of the following?
Base: all respondents

Work status

Disability

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

470

152

175

140

102

329

210

260

80

391

56

128

62

201

156

214

460

9%BFGINP

7%

13%ABD

9%B

11%F

8%

8%

11%AGIJ

7%

10%AGI

13%AMN

13%AMN

7%

7%

9%P

7%

9%

Weighted total
Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Relationship status

Money Advice Service - Financial Capability Tracker Survey - FINAL


D6 Do you anticipate needing money in the foreseeable future for any of the following?
Base: all respondents

Region
Yorkshire
and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

Buying or replacing a car or other vehicle

1067

42

90

99

21%CJQ

20%

16%

23%CJ

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

90

87

131

89

136

111

48

93

52

793

180

41

54

1065

20%

24%CJ

28%ABCEH

21%

20%

17%

19%

21%C

37%ABCDE

26%AQ

26%AQ

25%Q

5%

21%

IJKL
Major house repairs or home
improvements

Providing some sort of financial support


for your child/children

A wedding

Northern Several times


Ireland (M)
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

FHIJKL

885

41

89

92

73

62

82

74

111

105

35

67

54

667

132

25

63

890

17%Q

20%

16%

22%ACIJK

16%

17%

18%

17%

16%

16%

14%

15%

38%ABCDE

22%APQ

19%Q

15%Q

5%

18%

532

18

51

45

54

35

46

53

74

81

22

36

16

437

65

12

18

507

10%Q

9%

9%

11%

12%

10%

10%

12%

11%

12%L

9%

8%

12%

14%AOPQ

9%Q

7%Q

2%

10%

L
Buying a home

Unweigh
ted total

Internet usage

FGHIJKL

525

25

46

47

53

35

52

50

61

72

24

37

23

375

94

23

33

528

10%Q

12%

8%

11%

12%C

10%

11%

12%

9%

11%

10%

9%

17%CIL

12%AQ

14%AQ

14%Q

3%

10%

375

19

41

45

35

24

29

31

33

51

17

26

25

293

53

20

360

7%IQ

9%I

7%

11%AFGIL

8%I

7%

6%

7%

5%

8%I

7%

6%

18%ACEFG

10%AQ

8%Q

6%Q

2%

7%

HIJKL
Travelling overseas for an extended period
(more than one month, not including
business travel)

301

13

22

24

21

19

23

23

41

74

12

18

10

242

37

10

13

299

6%CQ

6%

4%

6%

5%

5%

5%

5%

6%

11%ABCDEF

5%

4%

7%

8%AOQ

5%Q

6%Q

1%

6%

253

GHIKL
The costs associated with having a new
baby

The care of an elderly relative

Holidays/trips

Education/study fees

271

38

22

17

20

24

27

27

44

16

17

11

222

27

11

12

5%Q

4%

7%EIL

5%

4%

5%

5%

6%

4%

7%EIL

6%

4%

8%

7%AOQ

4%Q

6%Q

1%

5%

138

13

13

23

19

25

103

20

12

136

3%Q

3%

2%

3%

2%

2%

5%ACEFHL

2%

3%

4%L

2%

2%

2%

3%AQ

3%Q

2%

1%

3%

44

36

45

1%Q

1%

1%

1%

1%

1%

1%

1%

2%

1%

2%H

1%AQ

1%

1%Q

1%

22

19

19

*Q

1%

1%

3%AEFGIJ

1%AQ

1%Q

132

KL
Something else

133

10

12

14

13

14

14

24

96

24

10

3%Q

2%

2%

3%

3%

2%

3%

3%

2%

4%C

3%

2%

3%

3%AQ

3%Q

2%

1%

3%

2029

90

278

145

188

161

164

176

297

224

96

193

17

1025

243

66

695

2069

40%DGJMN

43%DJM

49%ADEGHIJ

34%M

42%DGJM

44%DGJM

35%M

41%JM

43%DGJM

34%M

39%M

45%ADGJM

12%

33%

35%

40%

61%ANOP

41%

None of the above

KM

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


D6 Do you anticipate needing money in the foreseeable future for any of the following?
Base: all respondents

Region

Total (A)

NorthEast (B)

NorthWest
(C)

5079

210

565

Weighted total
Refused

Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)
423

445

365

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

470

433

693

653

247

433

141*

3076

691

165

1147

5079

115

12

24

19

24

10

14

99

105

2%DFNO

1%

1%

1%

3%DF

1%

2%

5%ABCDEF

3%DF

4%ABCDFK

1%

2%

1%

9%ANOP

2%

470

19

52

41

42

28

49

28

64

76

29

38

229

68

19

154

460

9%HN

9%

9%

10%

9%

8%

10%HM

7%

9%

12%AFHM

12%HM

9%

3%

7%

10%N

12%N

13%ANO

9%

GIKL
Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


D6 Do you anticipate needing money in the foreseeable future for any of the following?
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

Buying or replacing a car or other vehicle

1067

514

28

31

49

1065

21%B

17%

19%

19%

19%

15%

7%

18%

21%

885

489

19

18

32

890

17%BEFH

17%FH

13%

23%FH

11%

6%

7%

12%

18%

Major house repairs or home


improvements

Buying a home

Providing some sort of financial support for


your child/children

A wedding

Travelling overseas for an extended period


(more than one month, not including
business travel)

The costs associated with having a new


baby

The care of an elderly relative

Holidays/trips

Education/study fees

Something else

None of the above

Refused

Don't know

532

180

28

20

32

507

10%B

6%

19%ABH

9%

13%B

12%

7%

12%B

10%

525

266

19

17

29

528

10%B

9%

13%

10%

11%

10%

15%

11%

10%

375

139

21

29

360

7%B

5%

6%

13%B

13%AB

4%

5%

11%AB

7%

299

301

119

19

23

31

6%B

4%

13%AB

7%

14%ABF

4%

20%

11%ABF

6%

271

97

19

253

5%B

3%

6%

15%ABE

4%

9%B

8%

7%BE

5%

138

68

10

136

3%B

2%

7%AB

3%

4%

3%

3%

3%

44

20

45

1%

1%

1%

2%

1%
19

22

*B

1%B

133

88

132

3%EH

3%EH

2%

7%

3%

2029

1384

50

13

63

19

102

2069

40%

47%ACFH

34%

33%

39%

32%

46%

37%

41%

115

75

17

24

105

2%

3%

3%

2%

11%ABC

11%ABC

9%ABC

2%

470

277

13

13

13

33

460

9%

9%

9%

14%

8%

22%ABCEH

15%

12%E

9%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D6/D7 Which of these things is likely to occur first?
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Buying or replacing a car

637

337

300

104

102

132

130

169

360

278

255

48

48

25

639

13%CHJK

14%AC

11%

17%AEH

12%H

15%AH

14%H

9%

14%AJ

11%

11%

16%K

16%K

21%AK

16%

25%AK

13%

Buying a home

50,000+ (P)

282

121

162

78

109

58

22

15

175

107

102

34

33

10

267

6%BGHJK

5%

6%B

13%AFGH

13%AFGH

7%GH

2%H

1%

7%AJ

4%

4%

11%AK

11%AK

8%K

8%

14%AK

5%
239

Providing some sort of financial support for


your child/children

231

101

130

35

41

60

85

123

107

93

17

12

5%D

4%

5%

2%

4%D

5%D

7%ADEH

5%D

5%

4%

4%

3%

6%

10%AKL

10%

3%

5%

567

264

303

19

93

139

126

190

366

201

213

48

53

25

573

11%DJK

11%

12%

3%

11%D

16%ADEH

14%ADEH

10%D

14%AJ

8%

9%

16%AK

17%AK

21%AK

6%

17%

11%

174

82

92

33

56

22

32

32

98

76

77

18

15

167

3%H

3%

4%

6%AFH

6%AFGH

2%

4%H

2%

4%

3%

3%

6%AK

5%

2%

7%

4%

3%

Major house repairs or home


improvements

A wedding

The costs associated with having a new


baby

125

56

69

23

64

25

65

60

44

12

13

117

2%GHK

2%

3%

4%AGH

7%ADFGH

3%GH

1%

3%

2%

2%

4%K

4%K

4%

4%

2%

Travelling overseas for an extended period


(more than one month, not including
business travel)

174

71

103

42

41

30

15

47

100

75

84

12

12

175

3%BGHJ

3%

4%AB

7%AFGH

5%AGH

3%G

2%

3%

4%

3%

4%

4%

4%

6%

7%

8%

3%

51

30

21

12

11

17

23

28

22

51

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

6%

1%
163

The care of an elderly relative

Something else

167

61

107

31

29

37

32

38

87

81

86

11

3%BH

2%

4%AB

5%AH

3%

4%H

4%H

2%

3%

3%

4%

4%

2%

3%

3%

3%

2029

1056

973

175

237

279

362

976

876

1153

1048

95

98

25

10

2069

40%CDEFIL

43%AC

37%

29%

27%

32%E

40%DEF

53%ADEFG

35%

45%AI

44%ALMNP

31%

32%N

21%

36%

23%

41%

105

None of the above

MN
Refused

115

58

57

10

13

10

74

32

83

80

2%EGIM

2%

2%

2%

1%

2%

1%

4%ADEFG

1%

3%AI

3%ALMN

1%

2%

526

232

294

72

87

83

97

188

226

301

254

13

12

514

10%BILMN

9%

11%AB

12%

10%

10%

11%

10%

9%

12%AI

11%LMN

4%

4%

2%

2%

10%

Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D6/D7 Which of these things is likely to occur first?
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Buying or replacing a car

637

368

134

135

74

550

377

260

154

483

78

75

102

369

148

468

639

13%CDEHJL

17%ACD

10%

9%

8%

14%AE

14%AHJ

11%

14%H

12%H

18%ALMN

8%

12%L

14%AL

9%

16%AO

13%

267

O
Buying a home

282

196

74

13

20

255

143

139

74

208

59

17

116

85

54

211

6%DEJLNO

9%ACD

5%D

1%

2%

6%AE

5%

6%

7%AGJ

5%

14%ALN

2%

14%ALN

3%L

3%

7%AO

5%

231

103

62

66

34

194

162

68

102

129

48

28

143

96

122

239

5%HJK

5%

5%

4%

4%

5%A

6%AHJ

3%

9%AGHJ

3%

2%

5%K

3%

5%AKM

6%AP

4%

5%

567

311

98

158

87

471

396

170

171

396

34

508

171

373

573

11%CEHJKL

14%ACD

7%

10%C

9%

12%AE

15%AHJ

7%

16%AHJ

10%H

2%

3%M

1%

19%AKLM

10%

12%AO

11%

167

Providing some sort of financial support for


your child/children

Major house repairs or home


improvements

M
A wedding

The costs associated with having a new


baby

Travelling overseas for an extended period


(more than one month, not including
business travel)

174

100

53

20

26

147

117

58

29

145

11

31

42

87

52

118

3%DH

5%AD

4%D

1%

3%

4%

4%AHIJ

2%

3%

4%H

3%

3%

5%AKLN

3%

3%

4%A

3%

125

76

43

13

111

96

29

64

61

12

18

37

57

50

72

117

2%DEHJ

4%AD

3%D

1%

3%AE

4%AHJ

1%

6%AGHJ

2%

3%

2%

4%ALN

2%

3%

2%

2%

174

73

59

43

18

151

79

95

25

150

23

20

53

77

43

124

175

3%EGILNO

3%

4%D

3%

2%

4%AE

3%

4%AGI

2%

4%AGI

5%ALN

2%

6%ALN

3%

3%

4%AO

3%

51

23

15

12

10

39

32

19

12

39

18

20

15

30

51

1%N

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

2%ALN

1%

1%

1%

1%
163

The care of an elderly relative

Something else

167

75

66

25

55

105

60

107

24

143

28

35

49

54

78

83

3%DFGINP

3%D

5%ABD

2%

6%AF

3%

2%

5%AGIJ

2%

4%AGI

6%ALN

4%N

6%ALN

2%

5%AP

3%

3%

2029

638

558

828

481

1503

963

1066

319

1709

141

539

298

1005

753

1122

2069

40%BFGIKM

29%

41%B

54%ABC

51%AF

38%

36%I

45%AGIJ

30%

43%AGI

32%

55%AKMN

36%

37%K

46%AP

37%

41%

None of the above

NP
Refused

115

20

21

63

14

62

37

78

107

18

49

21

24

105

2%BCFGIKM

1%

2%

4%ABC

1%

2%

1%I

3%AGIJ

1%

3%AGI

2%K

1%

2%K

1%

1%

2%

NOP
Don't know

526

183

189

151

112

372

236

290

93

433

63

135

67

236

169

252

514

10%BFGIMNP

8%

14%ABD

10%

12%F

9%

9%

12%AGIJ

9%

11%AGI

14%AMN

14%AMN

8%

9%

10%P

8%

10%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


D6/D7 Which of these things is likely to occur first?
Base: all respondents

Region
Yorkshire
and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

Buying or replacing a car

637

24

46

57

13%CJQ

11%

8%

282

6%Q

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern Several times


Ireland (M)
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

57

53

89

52

88

56

34

55

27

453

112

29

43

639

13%CJ

13%CJ

15%CJ

19%ABCDE

12%C

13%CJ

9%

14%CJ

13%CJ

19%CJ

15%AQ

16%AQ

18%AQ

4%

13%

26

22

23

16

30

30

41

46

14

18

228

34

13

267

3%

5%

5%

5%

4%

6%

7%

6%

7%BL

6%

4%

6%

7%AOQ

5%Q

4%Q

1%

5%

231

12

16

19

25

21

27

22

29

29

10

15

157

37

10

27

239

5%CQ

6%C

3%

5%

6%C

6%C

6%C

5%C

4%

4%

4%

3%

4%

5%AQ

5%Q

6%Q

2%

5%

567

28

55

65

45

38

46

46

77

62

23

46

35

403

96

12

56

573

11%Q

14%

10%

15%ACEFG

10%

10%

10%

11%

11%

9%

9%

11%

25%ABCEF

13%APQ

14%APQ

7%

5%

11%

167

HIJL
Buying a home

Providing some sort of financial support


for your child/children

Major house repairs or home


improvements

HIJKL
A wedding

The costs associated with having a new


baby

Travelling overseas for an extended period


(more than one month, not including
business travel)

GHIJKL

174

24

23

12

11

14

12

15

24

11

11

133

22

16

3%IQ

4%

4%I

6%AEHIL

3%

3%

3%

3%

2%

4%

3%

3%

8%AEHIL

4%AQ

3%Q

2%

1%

3%

125

18

11

12

22

11

94

12

12

117

2%Q

2%

3%G

2%

2%

3%

1%

2%

2%

3%G

4%G

3%

5%

3%AQ

2%

4%OQ

1%

2%

174

12

15

11

10

12

13

20

48

14

140

24

175

3%CQ

3%

2%

4%

2%

3%

3%

3%

3%

7%ABCDEF

3%

3%

3%

5%APQ

3%Q

1%

1%

3%

GHIKL
The care of an elderly relative

Something else

51

13

34

51

1%

1%

1%

1%

1%

2%AEFH

1%

1%

1%

1%

1%

1%

1%

167

18

16

17

12

12

13

17

21

10

13

14

125

26

12

163

3%Q

2%

3%

4%

4%

3%

3%

3%

2%

3%

4%

3%

10%ABCDEF

4%AQ

4%Q

3%

1%

3%

GHIJL
None of the above

2029

90

278

145

188

161

164

176

297

224

96

193

17

1025

243

66

695

2069

40%DGJMN

43%DJM

49%ADEGHIJ

34%M

42%DGJM

44%DGJM

35%M

41%JM

43%DGJM

34%M

39%M

45%ADGJM

12%

33%

35%

40%

61%ANOP

41%

O
Refused

KM

115

12

24

19

24

10

14

99

105

2%DFNO

1%

1%

1%

3%DF

1%

2%

5%ABCDEF

3%DF

4%ABCDFK

1%

2%

1%

9%ANOP

2%

GIKL
Don't know

526

21

56

45

44

30

57

34

70

87

30

43

271

77

23

155

514

10%N

10%

10%

11%

10%

8%

12%H

8%

10%

13%AFH

12%

10%

6%

9%

11%

14%N

14%AN

10%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


D6/D7 Which of these things is likely to occur first?
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

Buying or replacing a car

637

318

16

13

24

639

13%B

11%

11%

14%

8%

9%

9%

13%

Buying a home

Providing some sort of financial support for


your child/children

Major house repairs or home


improvements

A wedding

The costs associated with having a new


baby

Travelling overseas for an extended period


(more than one month, not including
business travel)

The care of an elderly relative

Something else

None of the above

Refused

Don't know

282

99

15

12

20

267

6%B

3%

10%AB

4%

8%B

8%B

7%

7%B

5%

231

126

13

239

5%

4%

4%

6%

4%

8%

5%

5%

567

335

12

14

573

11%EH

11%EH

8%

15%EH

4%

4%

5%

11%

174

71

11

167

3%B

2%

4%

3%

5%B

5%

4%

3%

125

53

117

2%B

2%

4%

5%

1%

4%

2%E

2%

174

79

12

17

175

3%B

3%

5%

5%

8%ABF

20%

6%AB

3%

51

30

51

1%

1%

3%AB

3%

1%

2%

1%

1%
163

167

87

3%H

3%H

2%

1%

2%

1%

3%

2029

1384

50

13

63

19

102

2069

40%

47%ACFH

34%

33%

39%

32%

46%

37%

41%

115

75

17

24

105

2%

3%

3%

2%

11%ABC

11%ABC

9%ABC

2%

526

302

16

15

14

38

514

10%

10%

11%

16%

9%

24%ABCEH

15%

14%E

10%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D8 Have you made any plans to help you meet this expense?
Base: all those who expect a major expense in the foreseeable future

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

2445

1136

1309

336

476

493

426

714

1425

1020

989

189

193

88

18

25

2445

Weighted total

2465

1141

1324

355

544

503

451

612

1436

1028

993

197

200

92*

17**

25**

2445

Yes

1324

614

710

161

286

255

237

386

844

480

502

109

128

57

13

17

1331

54%DJK

54%

54%

45%

53%D

51%

52%

63%ADEFG

59%AJ

47%

51%

55%

64%AK

62%K

77%

69%

54%

1038

487

551

175

236

233

192

201

539

499

461

84

67

33

1014

42%HIM

43%

42%

49%AH

43%H

46%AH

43%H

33%

38%

48%AI

46%AM

43%

34%

36%

23%

28%

41%

1%

1%

No

Refused

Don't know

94

37

57

19

20

14

19

21

50

45

27

91

4%K

3%

4%

5%

4%

3%

4%

4%

3%

4%

3%

2%

2%

2%

3%

4%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D8 Have you made any plans to help you meet this expense?
Base: all those who expect a major expense in the foreseeable future

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

2445

1293

588

561

349

2046

1489

956

626

1819

221

290

435

1457

713

1630

2445

Weighted total

2465

1356

618

488

347

2066

1489

976

669

1796

237

291

459

1435

721

1639

2445

Yes

1324

735

262

324

185

1121

848

476

333

991

112

110

236

845

341

940

1331

54%CHILO

54%C

42%

67%ABC

53%

54%

57%AHI

49%

50%

55%AHI

47%L

38%

51%L

59%AKLM

47%

57%AO

54%

1038

567

329

140

145

869

588

450

306

732

116

154

211

537

345

642

1014

42%DGJNP

42%D

53%ABD

29%

42%

42%

39%

46%AGJ

46%AGJ

41%

49%AN

53%AN

46%N

37%

48%AP

39%

41%

*F

1%

1%

1%

1%

1%

No

Refused

Don't know

94

49

25

20

15

71

48

46

26

68

23

11

48

31

53

91

4%FP

4%

4%

4%

4%

3%

3%

5%

4%

4%

3%

8%AKMN

2%

3%

4%

3%

4%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


D8 Have you made any plans to help you meet this expense?
Base: all those who expect a major expense in the foreseeable future

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

2445

113

251

223

196

Weighted total

2465

100

227

234

Yes

1324

57

112

126

54%E

57%

49%

1038

40

108

42%

40%

48%IJ

*N

No

Refused

Don't know

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

198

215

213

327

314

126

209

60

1775

392

80

198

2445

204

174

248

205

314

330

120

192

117*

1809

379

79*

198

2445

94

92

135

115

186

185

71

95

56

986

209

36

94

1331

54%

46%

53%

55%

56%

59%ACEL

56%E

59%E

49%

47%

54%

55%

45%

47%

54%

99

99

76

97

84

117

125

46

88

58

760

154

34

91

1014

42%

49%IJ

44%

39%

41%

37%

38%

38%

46%I

49%

42%

41%

43%

46%

41%

1%

1%AI

1%

1%

1%

2%AN

2 to 5 times a Once a week


week (P)
or less (Q)

94

16

11

17

60

14

10

11

91

4%N

3%

3%

3%

4%

3%

6%

3%

3%

5%

2%

4%

4%

3%

4%

12%ANO

5%

4%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Unweigh
ted total

Internet usage

Money Advice Service - Financial Capability Tracker Survey - FINAL


D8 Have you made any plans to help you meet this expense?
Base: all those who expect a major expense in the foreseeable future

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

2445

1282

76

20

62

20

108

2445

Weighted total

2465

1224

79*

20**

66*

21**

6**

114

2445

Yes

1324

688

44

11

28

52

1331

54%

56%AEH

56%

56%

43%

40%

70%

46%

54%

No

1038

488

29

33

11

55

1014

42%B

40%

37%

39%

50%

54%

30%

48%

41%

1%

2%

1%

Refused

Don't know

94

44

91

4%

4%

6%

5%

5%

6%

5%

4%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D9 How do you plan to pay for this expense?
Base: all those who have made financial plans

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

1331

619

712

152

252

250

225

452

847

484

506

106

124

55

14

17

1331

Weighted total

1324

614

710

161

286

255

237

386

844

480

502

109

128

57*

13**

17**

1331

Using general savings

677

317

360

88

143

114

113

219

454

223

254

50

62

31

12

687

51%FJ

52%

51%

55%F

50%

45%

48%

57%AFG

54%AJ

46%

51%

46%

48%

54%

65%

72%

52%

Using income saved especially to pay for


this

Using a loan

By taking on a second job, or overtime

Using an unexpected source of income,


such as an inheritance or tax rebate

Using a credit or store card

By borrowing against my home or other


property

Through an insurance policy

By consolidating other debts

Through selling personal items

Help from family/friends

Using investments/ISA

Other

Don't know/no answer

50,000+ (P)

522

243

279

65

125

109

91

131

335

187

186

51

65

25

522

39%H

40%

39%

41%

44%H

43%H

38%

34%

40%

39%

37%

47%

51%AK

43%

50%

28%

39%

117

49

68

23

37

25

18

14

77

40

43

20

110

9%H

8%

10%

14%AGH

13%AGH

10%H

7%H

4%

9%

8%

9%

19%AKM

7%

13%

7%

8%

103

35

68

25

42

15

15

53

50

48

12

96

8%BHI

6%

10%AB

16%AFGH

15%AFGH

6%H

6%H

1%

6%

10%AI

9%

11%

5%

7%

7%

6%

7%

68

30

38

13

24

14

42

25

21

67

5%

5%

5%

5%

4%

3%

10%AEFH

4%

5%

5%

4%

5%

5%

15%AKLM

8%

5%

57

27

30

13

16

14

10

42

16

15

57

4%HK

4%

4%

3%

5%

6%H

6%H

3%

5%

3%

3%

7%

6%

2%

8%

14%

4%

48

18

30

10

22

34

14

11

47

4%HK

3%

4%

3%

3%

9%ADEGH

2%

2%

4%

3%

2%

6%

6%

8%K

4%

25

17

17

25

2%

1%

2%

1%

2%

2%

1%

2%

2%

2%

2%

2%

1%

2%

6%

2%

21

12

11

10

18

2%H

2%

1%

1%H

3%H

3%H

1%H

1%

2%

2%

1%

1%

2%

16%

1%

15

15

1%

1%

1%

2%

1%

1%

1%

1%

1%

2%

1%

5%

1%

14

14

1%I

1%

1%

3%FH

3%AFH

1%

2%I

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

39

13

26

10

11

26

13

13

41

3%

2%

4%

1%

2%

4%

4%

3%

3%

3%

3%

3%

6%AK

4%

13%

3%

14

12

1%

1%

1%

2%H

2%

1%

1%

1%

1%

1%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D9 How do you plan to pay for this expense?
Base: all those who have made financial plans

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent
(J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

1331

707

248

374

186

1128

861

470

315

1016

103

112

223

873

337

951

1331

Weighted total

1324

735

262

324

185

1121

848

476

333

991

112*

110

236

845

341

940

1331

Using general savings

677

357

126

193

85

584

437

240

146

531

56

45

107

459

160

495

687

51%BIL

49%

48%

59%ABC

46%

52%

52%I

50%

44%

54%AI

50%

41%

45%

54%ALM

47%

53%

52%

Using income saved especially to pay for


this

Using a loan

By taking on a second job, or overtime

Using an unexpected source of income,


such as an inheritance or tax rebate

Using a credit or store card

By borrowing against my home or other


property

Through an insurance policy

By consolidating other debts

Through selling personal items

Help from family/friends

Using investments/ISA

Other

Don't know/no answer

522

327

95

100

76

441

323

199

133

389

51

47

104

309

125

383

522

39%DN

44%ACD

36%

31%

41%

39%

38%

42%

40%

39%

46%

43%

44%N

37%

37%

41%

39%

117

75

30

11

12

102

69

48

26

91

17

12

40

47

25

90

110

9%DN

10%D

12%D

3%

7%

9%

8%

10%

8%

9%

15%AN

11%N

17%AN

6%

7%

10%

8%

103

68

33

21

79

61

42

39

64

14

12

34

42

34

68

96

8%DFJN

9%D

12%AD

1%

11%F

7%

7%

9%J

12%AGJ

7%

12%N

11%N

15%AN

5%

10%

7%

7%

68

46

12

10

58

46

21

24

44

14

40

30

37

67

5%DJP

6%D

4%

3%

5%

5%

5%

4%

7%

4%

7%

5%

6%

5%

9%AP

4%

5%

57

38

10

13

44

45

13

20

37

18

37

19

37

57

4%HK

5%

4%

3%

7%AF

4%

5%AHJ

3%

6%H

4%

2%

8%AKL

4%K

6%

4%

4%

48

36

46

36

12

20

28

38

37

47

4%DJL

5%AD

3%

1%

1%

4%A

4%J

3%

6%AHJ

3%

3%

3%

5%AL

3%

4%

4%

25

14

22

16

14

11

18

13

25

2%JP

2%

2%

2%

2%

2%

2%J

2%J

4%AGHJ

1%

1%

2%

2%

3%

1%

2%

21

13

15

16

13

11

11

18

2%DJP

2%

3%D

3%

1%

2%J

1%

4%AGHJ

1%

2%

3%

1%

3%AP

1%

1%

15

10

10

10

15

1%P

1%

1%

1%

3%

1%

1%

2%

1%

1%

3%

1%

1%

2%

1%

1%

14

11

12

14

1%N

1%

3%ABD

1%

1%

1%

1%

1%

1%

4%AN

2%

2%N

1%

1%

1%

1%P

1%

1%

1%

1%

2%M

1%

1%

1%AP

1%

39

20

10

32

22

17

10

29

24

10

29

41

3%

3%

3%

3%

4%

3%

3%

4%

3%

3%

1%

3%

4%

3%

3%

3%

3%

14

11

12

1%P

1%

3%ABD

2%

1%

1%

1%

2%

1%

1%

3%AN

1%

1%

2%AP

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


D9 How do you plan to pay for this expense?
Base: all those who have made financial plans

Region

Total (A)

NorthEast (B)

NorthWest
(C)

Yorkshire
and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern Several times Once a day 2 to 5 times a Once a week


Ireland (M)
a day (N)
(O)
week (P)
or less (Q)

Unweighted total

1331

64

124

123

93

106

118

120

197

177

75

105

29

981

220

37

93

1331

Weighted total

1324

57*

112

126

94*

92

135

115

186

185

71*

95

56**

986

209

36*

94*

1331

Using general savings

677

24

51

72

44

54

67

61

99

104

37

47

18

504

103

14

56

687

51%

43%

46%

57%

46%

58%

50%

53%

54%

56%

52%

49%

33%

51%

50%

38%

60%P

52%

Using income saved especially to pay for


this

Using a loan

By taking on a second job, or overtime

Using an unexpected source of income,


such as an inheritance or tax rebate

Using a credit or store card

By borrowing against my home or other


property

Through an insurance policy

By consolidating other debts

Through selling personal items

Help from family/friends

Using investments/ISA

Other

Don't know/no answer

522

25

49

42

38

30

47

43

74

79

28

42

26

397

85

15

24

522

39%Q

44%

44%

33%

40%

33%

35%

38%

40%

43%

40%

44%

46%

40%Q

41%Q

43%

26%

39%

117

10

11

10

11

18

12

102

110

9%OQ

15%DI

9%

6%

7%

9%

8%

9%

6%

10%

6%

10%

21%

10%AOQ

5%

8%

3%

8%

103

11

10

10

10

14

17

86

96

8%OQ

3%

10%

8%

9%

4%

7%

9%

8%

9%

6%

7%

11%

9%OQ

4%

18%AOQ

2%

7%

68

13

57

67

5%L

3%

5%

6%

7%L

5%

5%

3%

5%

7%L

8%L

1%

4%

6%

4%

2%

2%

5%

57

12

48

10

57

4%Q

7%BDL

2%

6%

5%

6%

6%BL

4%

6%BL

2%

1%

5%Q

5%Q

4%

48

34

11

47

4%

2%

3%

5%

1%

4%

4%

5%

3%

2%

4%

5%

7%

3%

5%Q

9%Q

4%

25

18

25

2%

2%

1%

2%

4%D

2%

2%

4%D

1%

3%

4%

2%

1%

5%O

4%O

2%

21

15

18

2%

2%

1%

3%DI

1%

2%

2%I

4%ADEI

7%

1%

2%

1%

1%

15

11

15

1%

1%

1%

1%

3%AJ

1%

2%

3%J

4%

1%

2%

1%

14

11

14

1%

2%

3%

1%

1%

1%

4%AEGHJ

1%

1%

1%

1%

1%

2%AI

1%

1%

1%

4%

1%

1%

1%

39

29

41

3%

8%AG

2%

3%G

4%G

4%G

3%G

2%

3%G

6%G

2%

3%

3%

3%

3%

3%

14

12

1%

2%

2%

1%

3%

1%

1%

1%

1%

4%AN

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D9 How do you plan to pay for this expense?
Base: all those who have made financial plans

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

Unweighted total

1331

728

43

11

27

50

1331

Weighted total

1324

688

44*

11**

28**

8**

4**

52*

1331

Using general savings

677

358

25

11

26

687

51%

52%

56%

64%

40%

50%

80%

50%

52%

Using income saved especially to pay for


this

Using a loan

By taking on a second job, or overtime

Using an unexpected source of income,


such as an inheritance or tax rebate

Using a credit or store card

By borrowing against my home or other


property

Through an insurance policy

By consolidating other debts

Through selling personal items

Help from family/friends

Using investments/ISA

Other

Don't know/no answer

BME (H)

522

269

20

16

27

522

39%

39%

44%

37%

56%

50%

53%

51%

39%

117

43

110

9%B

6%

20%AB

24%

26%

17%AB

8%

103

39

10

96

8%B

6%

8%

19%

16%

14%

53%

20%AB

7%

68

36

67

5%

5%

4%

51%

6%

5%

57

22

57

4%B

3%

6%

11%

20%

8%

4%

48

24

47

4%

4%

4%

4%

2%

4%

25

13

25

2%

2%

4%

2%

2%

21

18

2%B

1%

2%

3%

25%

6%AB

1%

15

15

1%

1%

2%

1%

14

14

1%

1%

1%

1%

1%

2%

1%

39

27

41

3%

4%A

3%

14

12

1%

1%

3%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D13 This chart shows how three 1,000 ISAs would have performed over the last seven years. Assuming that fees and charges are the same for all the ISAs, which gave the best return after seven
years?
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

ISA 1

40,000 to
49,999 (O)

50,000+ (P)

583

275

307

51

81

75

98

277

284

299

269

23

34

13

604

11%DEFL

11%

12%

8%

9%

9%

11%

15%ADEFG

11%

12%

11%L

7%

11%

11%

7%

18%L

12%

201

92

109

21

33

23

38

87

65

136

111

10

198

ISA 2

4%FIM

4%

4%

3%

4%

3%

4%

5%AF

3%

5%AI

5%AM

3%

1%

1%

4%

4%

3583

1807

1777

465

659

691

681

1086

1962

1621

1568

263

263

104

24

26

3596

71%CHJK

73%AC

68%

77%AH

76%AH

79%AH

75%AH

59%

78%AJ

64%

66%

86%AK

85%AK

88%AK

89%

79%

71%

713

294

418

66

93

82

86

387

219

494

411

10

681

14%BDEFGI

12%

16%AB

11%

11%

9%

9%

21%ADEFG

9%

19%AI

17%ALMNP

3%

2%

3%

13%

3583

1807

1777

465

659

691

681

1086

1962

1621

1568

263

263

104

24

26

3596

71%CHJK

73%AC

68%

77%AH

76%AH

79%AH

75%AH

59%

78%AJ

64%

66%

86%AK

85%AK

88%AK

89%

79%

71%

1496

662

834

137

207

179

222

751

568

928

791

42

45

14

1483

29%BDEFGI

27%

32%AB

23%

24%

21%

25%

41%ADEFG

22%

36%AI

34%ALMN

14%

15%

12%

11%

21%

29%

ISA 3

Don't know

LMN
Correct

Incorrect

LMN

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D13 This chart shows how three 1,000 ISAs would have performed over the last seven years. Assuming that fees and charges are the same for all the ISAs, which gave the best return after seven
years?
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Total (A)

Working (B)

Not working
(C)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

ISA 1

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

583

216

146

218

108

462

312

271

99

484

29

117

84

329

188

352

604

11%BIK

10%

11%

14%ABC

11%

12%

12%I

11%I

9%

12%AI

7%

12%K

10%K

12%K

11%

12%

12%

201

65

62

73

47

143

100

101

38

163

15

68

25

86

74

97

198

4%BFNP

3%

5%B

5%AB

5%

4%

4%

4%

4%

4%

3%

7%AKMN

3%

3%

4%P

3%

4%

3583

1724

956

897

601

2905

2000

1583

836

2747

357

572

627

1967

1121

2264

3596

71%DEHJLO

80%ACD

70%D

59%

64%

73%AE

74%AHJ

67%

78%AGHJ

69%H

82%ALMN

59%

76%AL

73%AL

68%

75%AO

71%

713

161

208

331

186

450

288

424

103

610

35

219

91

308

268

285

681

14%BFGIKMN

7%

15%B

22%ABC

20%AF

11%

11%

18%AGIJ

10%

15%AGI

8%

22%AKMN

11%

11%K

16%AP

10%

13%

3583

1724

956

897

601

2905

2000

1583

836

2747

357

572

627

1967

1121

2264

3596

71%DEHJLO

80%ACD

70%D

59%

64%

73%AE

74%AHJ

67%

78%AGHJ

69%H

82%ALMN

59%

76%AL

73%AL

68%

75%AO

71%

1496

442

417

622

342

1055

700

796

240

1256

79

404

201

723

529

735

1483

29%BFGIKM

20%

30%B

41%ABC

36%AF

27%

26%I

33%AGIJ

22%

31%AGI

18%

41%AKMN

24%K

27%K

32%AP

25%

29%

ISA 2

ISA 3

Don't know

P
Correct

Incorrect

NP

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


D13 This chart shows how three 1,000 ISAs would have performed over the last seven years. Assuming that fees and charges are the same for all the ISAs, which gave the best return after seven
years?
Base: all respondents

Region
Yorkshire and
Humberside
West
(D)
Midlands (E)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

Weighted total

5079

210

565

423

ISA 1

583

32

75

11%DL

15%DL

201

4%DGN

2%

ISA 2

Unweigh
ted total

Internet usage

East
Midlands (F)

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

429

418

406

441

705

620

257

445

365

470

433

693

653

247

33

54

47

49

44

87

82

13%DL

8%

12%D

13%DL

10%

10%

13%DL

33

18

11

20

23

6%ABDFGI

2%

4%G

3%

2%

5%DG

3%

2 to 5 times a Once a week


week (P)
or less (Q)

468

72

3074

723

173

1109

5079

433

141*

3076

691

165

1147

5079

26

36

17

337

87

17

142

604

13%DL

10%

8%

12%

11%

13%

10%

12%

12%

28

33

88

19

86

198

4%DG

4%

8%ABDEFG

4%

3%

3%

4%

8%ANO

4%

IJK
ISA 3

3583

144

371

333

286

268

378

285

489

433

175

309

112

2454

547

123

459

3596

71%CEHJQ

68%

66%

79%ABCEH

64%

73%CEHJ

81%ABCEF

66%

71%E

66%

71%

71%CE

80%CEHJ

80%AQ

79%AQ

75%Q

40%

71%

IJKL
Don't know

HIJKL

713

30

86

49

88

39

35

84

94

110

37

54

197

39

18

459

681

14%FGMNO

14%GM

15%FGM

12%GM

20%ADFGI

11%

8%

19%ADFGI

14%GM

17%ADFGM

15%GM

13%GM

4%

6%

6%

11%NO

40%ANOP

13%

LM
Correct

LM

3583

144

371

333

286

268

378

285

489

433

175

309

112

2454

547

123

459

3596

71%CEHJQ

68%

66%

79%ABCEH

64%

73%CEHJ

81%ABCEF

66%

71%E

66%

71%

71%CE

80%CEHJ

80%AQ

79%AQ

75%Q

40%

71%

IJKL
Incorrect

HIJKL

1496

67

194

90

159

98

91

148

204

220

72

124

29

622

144

42

688

1483

29%DGNO

32%DG

34%ADFGLM

21%

36%ADFGI

27%G

19%

34%ADFGM

29%DG

34%ADFGM

29%DG

29%DG

20%

20%

21%

25%

60%ANOP

29%

LM

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


D13 This chart shows how three 1,000 ISAs would have performed over the last seven years. Assuming that fees and charges are the same for all the ISAs, which gave the best return after seven
years?
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Unweighted total

5079

3061

Weighted total

5079

2960

ISA 1

Mixed race
(D)

Asian (E)

141

39

153

147

40*

158

Black (F)

Other (G)

BME (H)

54

15

261

5079

59*

15**

273

5079

583

364

14

16

32

604

11%

12%A

9%

9%

10%

14%

22%

12%

12%

ISA 2

201

127

16

198

4%

4%

2%

4%

11%ABCD

14%

6%

4%

ISA 3

3583

1991

108

26

79

20

132

3596

71%BEFH

67%EFH

74%EFH

65%FH

50%F

34%

39%

48%F

71%

713

478

22

10

56

24

94

681

14%

16%A

15%

25%A

35%ABC

41%ABC

24%

34%ABC

13%

Don't know

Correct

3583

1991

108

26

79

20

132

3596

71%BEFH

67%EFH

74%EFH

65%FH

50%F

34%

39%

48%F

71%

Incorrect

1496

969

39

14

79

39

141

1483

29%

33%A

26%

35%

50%ABC

66%ABCDEH

61%

52%ABCD

29%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D14 And which would have been the best ISA to have chosen if you had to withdraw your money after four years?
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

ISA 1

3182

1644

1538

404

578

644

625

931

1840

1341

1319

242

272

110

23

27

3207

63%CHJK

67%AC

59%

67%AH

67%AH

74%ADEGH

69%AH

51%

73%AJ

53%

56%

79%AK

88%AKL

93%AKL

86%

85%AK

63%

320

149

171

41

55

37

37

150

124

196

175

16

10

322

6%FGIMN

6%

7%

7%FG

6%G

4%

4%

8%AFG

5%

8%AI

7%AMN

5%

3%

2%

6%

6%

ISA 2

ISA 3

837

369

468

84

149

116

148

341

344

493

430

38

18

840

16%BFIMN

15%

18%AB

14%

17%F

13%

16%

19%ADF

14%

19%AI

18%ALMN

13%MN

6%

5%

14%

9%

17%

Don't know

740

307

433

73

84

74

93

415

222

518

435

10

710

15%BEFGIL

12%

17%AB

12%F

10%

9%

10%

23%ADEFG

9%

20%AI

18%ALMNP

3%

3%

14%

3182

1644

1538

404

578

644

625

931

1840

1341

1319

242

272

110

23

27

3207

63%CHJK

67%AC

59%

67%AH

67%AH

74%ADEGH

69%AH

51%

73%AJ

53%

56%

79%AK

88%AKL

93%AKL

86%

85%AK

63%

MNP
Correct

Incorrect

1897

824

1073

198

288

227

278

906

690

1208

1040

64

36

1872

37%BDEFGI

33%

41%AB

33%F

33%F

26%

31%F

49%ADEFG

27%

47%AI

44%ALMNP

21%MN

12%

7%

14%

15%

37%

LMNP

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


D14 And which would have been the best ISA to have chosen if you had to withdraw your money after four years?
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

ISA 1

3182

1588

828

763

489

2626

1814

1368

743

2438

301

450

554

1824

940

2084

3207

63%CDEHJL

73%ACD

60%D

50%

52%

66%AE

67%AHJ

57%

69%AHJ

61%H

69%AL

46%

67%AL

68%AL

57%

70%AO

63%

102

83

133

73

240

156

164

64

256

27

92

50

145

116

174

322

O
ISA 2

320
6%BN

5%

6%

9%ABC

8%A

6%

6%

7%

6%

6%

6%

9%AKMN

6%

5%

7%

6%

6%

837

314

248

274

191

623

439

398

171

666

75

208

119

410

307

458

840

16%BFNP

14%

18%B

18%AB

20%AF

16%

16%

17%

16%

17%

17%

21%AMN

14%

15%

19%AP

15%

17%

740

162

215

350

189

472

291

449

98

642

33

226

105

312

288

282

710

15%BFGIKNP

7%

16%B

23%ABC

20%AF

12%

11%I

19%AGIJ

9%

16%AGI

8%

23%AKMN

13%K

12%K

17%AP

9%

14%

ISA 3

Don't know

Correct

3182

1588

828

763

489

2626

1814

1368

743

2438

301

450

554

1824

940

2084

3207

63%CDEHJL

73%ACD

60%D

50%

52%

66%AE

67%AHJ

57%

69%AHJ

61%H

69%AL

46%

67%AL

68%AL

57%

70%AO

63%

1897

578

545

756

454

1334

886

1011

332

1565

135

527

274

866

710

914

1872

37%BFGIKM

27%

40%AB

50%ABC

48%AF

34%

33%

43%AGIJ

31%

39%AGI

31%

54%AKMN

33%

32%

43%AP

30%

37%

O
Incorrect

NP

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


D14 And which would have been the best ISA to have chosen if you had to withdraw your money after four years?
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

ISA 1

3182

127

327

303

63%CEJQ

61%

58%

71%ABCEH

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

250

252

324

263

441

377

151

264

102

2290

490

97

304

3207

56%

69%ABCEH

69%ABCEH

61%

64%CEJ

58%

61%

61%

73%CEJ

74%APQ

71%APQ

59%Q

27%

63%

JKL

JKL
49

37

11

40

149

31

13

127

322

IJKL
ISA 2

25

30

17

26

26

5%

7%

6%

7%

5%

6%

6%

7%

6%

4%

9%AFGJK

5%

5%

4%

8%

11%ANO

6%

41

105

47

77

56

82

63

104

122

47

73

22

449

122

33

233

840

16%DN

19%D

19%D

11%

17%D

15%

17%D

15%

15%

19%D

19%D

17%D

15%

15%

18%N

20%N

20%AN

17%

740

31

93

49

88

40

38

81

99

119

38

56

188

48

22

482

710

15%FGNO

15%G

16%DFGM

11%

20%ADFGI

11%

8%

19%ADFGL

14%G

18%ADFGL

15%GM

13%G

7%

6%

7%

13%NO

42%ANOP

14%

3182

127

327

303

250

252

324

263

441

377

151

264

102

2290

490

97

304

3207

63%CEJQ

61%

58%

71%ABCEH

56%

69%ABCEH

69%ABCEH

61%

64%CEJ

58%

61%

61%

73%CEJ

74%APQ

71%APQ

59%Q

27%

63%

JKL

JKL

Don't know

11

6%NO
837

LM
Correct

IJKL
Incorrect

1897

83

237

121

195

113

146

170

252

277

96

168

39

786

201

68

843

1872

37%DFGNO

39%DFG

42%ADFGIM

29%

44%ADFGI

31%

31%

39%DFG

36%D

42%ADFGI

39%DFG

39%DFG

27%

26%

29%

41%NO

73%ANOP

37%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

2 to 5 times a Once a week


week (P)
or less (Q)

40

ISA 3

320

Unweigh
ted total

Internet usage

Money Advice Service - Financial Capability Tracker Survey - FINAL


D14 And which would have been the best ISA to have chosen if you had to withdraw your money after four years?
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

ISA 1

3182

1758

90

22

53

21

103

3207

63%BEFH

59%EFH

61%EFH

56%EH

33%

36%

45%

38%

63%

320

201

14

21

322

6%

7%

5%

9%

9%

14%

8%

6%

ISA 2

ISA 3

Don't know

837

498

25

10

36

10

57

840

16%

17%

17%

24%

23%A

16%

12%

21%

17%

740

502

25

56

23

91

710

15%

17%A

17%

20%

35%ABC

39%ABC

30%

33%ABC

14%

3182

1758

90

22

53

21

103

3207

63%BEFH

59%EFH

61%EFH

56%EH

33%

36%

45%

38%

63%

1897

1202

57

17

106

38

169

1872

37%

41%A

39%

44%

67%ABCD

64%ABC

55%

62%ABCD

37%

Correct

Incorrect

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E1 In the past three years, have you experienced a large drop in your income which you did not expect? Please do not include any drop in income from planned retirement.
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Yes

1162

524

638

81

222

267

323

270

511

651

540

55

56

27

1152

23%BDHILM

21%

24%AB

13%

26%DH

31%ADEH

36%ADEFH

15%

20%

26%AI

23%

18%

18%

23%

15%

22%

23%

3731

1854

1877

503

608

571

556

1493

1960

1772

1715

250

251

91

23

25

3749

73%CEFGJ

75%AC

72%

84%AEFG

70%FG

66%

62%

81%AEFG

77%AJ

70%

73%

82%AK

82%AK

77%

85%

78%

74%

No

Prefer not to say

185

90

95

17

37

33

24

74

59

126

104

178

4%ILMN

4%

4%

3%

4%

4%

3%

4%

2%

5%AI

4%ALMN

4%

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E1 In the past three years, have you experienced a large drop in your income which you did not expect? Please do not include any drop in income from planned retirement.
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Yes

1162

538

450

171

301

819

637

525

345

817

62

282

237

562

548

550

1152

23%DFJKNP

25%AD

33%ABD

11%

32%AF

21%

24%J

22%J

32%AGHJ

20%

14%

29%AKN

29%AKN

21%K

33%AP

18%

23%

3731

1573

860

1291

608

3058

1987

1744

704

3027

362

660

573

2064

1064

2410

3749

73%CEILMO

73%C

63%

85%ABC

64%

77%AE

74%I

73%I

65%

76%AGHI

83%ALMN

68%

69%

77%ALM

64%

80%AO

74%

No

Prefer not to say

185

55

63

56

34

83

76

109

26

159

11

34

18

64

38

38

178

4%BFGIMNO

3%

5%AB

4%B

4%F

2%

3%

5%AGIJ

2%

4%AGI

3%

3%

2%

2%

2%P

1%

4%

P
Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


E1 In the past three years, have you experienced a large drop in your income which you did not expect? Please do not include any drop in income from planned retirement.
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

Yes

1162

42

127

100

23%Q

20%

23%

24%

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

101

76

112

91

152

169

45

98

49

786

180

40

157

1152

23%

21%

24%

21%

22%

26%K

18%

23%

35%ABCDE

26%AQ

26%AQ

24%Q

14%

23%

FHIKL
No

Prefer not to say

3731

164

418

313

332

279

341

321

517

443

197

318

89

2225

489

116

901

3749

73%JN

78%JM

74%J

74%J

75%J

76%JM

73%

74%J

75%JM

68%

80%AGJM

73%J

63%

72%

71%

70%

79%ANOP

74%

185

20

11

12

11

16

21

25

42

17

65

22

90

178

4%N

2%

4%

3%

3%

3%

4%

5%BK

4%

6%ABCDEF

2%

4%

2%

2%

3%

6%N

8%ANO

4%

GIK
Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


E1 In the past three years, have you experienced a large drop in your income which you did not expect? Please do not include any drop in income from planned retirement.
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

Yes

1162

599

34

14

29

12

61

1152

23%B

20%

23%

34%BE

19%

20%

40%

22%

23%

3731

2261

109

24

113

39

184

3749

73%H

76%ADH

74%

61%

71%

66%

54%

68%

74%

No

Prefer not to say

Don't know/no answer

185

99

16

27

178

4%

3%

3%

5%

10%ABC

14%ABC

6%

10%ABC

4%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E11 And in the past three years, have you experienced a major unexpected expense?
By `major', we mean an expense equivalent to your whole income for a month, or more.
Base: those who have not experienced a recent drop in their income

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

Unweighted total

3927

1952

1975

491

574

605

545

1712

2039

1888

1811

246

243

90

23

26

3927

Weighted total

3917

1944

1972

521

645

604

580

1567

2019

1898

1819

250

252

91*

23**

25**

3927

Yes

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

633

322

311

64

107

119

112

230

371

261

267

47

49

23

645

16%DHJK

17%

16%

12%

17%D

20%ADH

19%ADH

15%

18%AJ

14%

15%

19%

20%

25%AK

28%

19%

16%

3079

1518

1561

435

499

451

447

1247

1597

1482

1431

202

202

68

16

21

3087

79%F

78%

79%

84%AEFG

77%

75%

77%

80%F

79%

78%

79%

81%

80%

75%

72%

81%

79%

205

105

100

22

38

35

21

90

51

154

120

195

5%ILMN

5%

5%

4%

6%

6%

4%

6%

3%

8%AI

7%ALMN

5%

No

Don't know/prefer not to say

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E11 And in the past three years, have you experienced a major unexpected expense?
By `major', we mean an expense equivalent to your whole income for a month, or more.
Base: those who have not experienced a recent drop in their income

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Total (A)

Working (B)

Not working
(C)

Unweighted total

3927

1574

896

1440

654

3146

2119

1808

695

3232

351

703

564

2184

1112

2469

3927

Weighted total

3917

1628

923

1348

642

3141

2063

1854

730

3186

373

694

591

2128

1102

2449

3927

Yes

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

633

290

139

203

104

513

395

237

140

493

47

74

104

391

185

421

645

16%HJL

18%A

15%

15%

16%

16%

19%AHJ

13%

19%AHJ

15%H

13%

11%

18%KL

18%AKL

17%

17%A

16%

3079

1284

713

1075

504

2524

1586

1494

561

2518

314

572

465

1671

870

1985

3087

79%G

79%

77%

80%

79%

80%A

77%

81%AGIJ

77%

79%G

84%AMN

82%AN

79%

79%

79%

81%A

79%

205

54

70

69

34

103

82

123

30

175

12

48

22

66

47

42

195

5%BFGNP

3%

8%ABD

5%B

5%F

3%

4%

7%AGIJ

4%

5%G

3%

7%AKMN

4%

3%

4%P

2%

5%

No

Don't know/prefer not to say

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


E11 And in the past three years, have you experienced a major unexpected expense?
By `major', we mean an expense equivalent to your whole income for a month, or more.
Base: those who have not experienced a recent drop in their income

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

3927

188

482

311

330

Weighted total

3917

168

438

324

345

Yes

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

332

309

348

550

462

209

290

357

342

542

484

202

2 to 5 times a Once a week


week (P)
or less (Q)

359

47

2303

541

134

949

3927

334

91*

2290

511

125

990

3927

633

22

70

56

41

50

70

57

92

82

26

40

26

451

92

26

63

645

16%ELQ

13%

16%

17%

12%

17%

19%EL

17%

17%EL

17%

13%

12%

29%ABCEK

20%AQ

18%Q

21%Q

6%

16%

L
No

3079

141

350

257

292

229

274

260

417

354

168

275

63

1776

404

93

806

3087

79%J

84%GHIJM

80%J

79%

85%AGHIJ

79%

77%

76%

77%

73%

83%JM

82%HJM

69%

78%

79%

74%

81%ANP

79%

205

18

11

12

10

14

25

33

48

19

64

15

120

195

5%NO

3%

4%

3%

3%

4%

4%

7%BCDEF

6%

10%ABCDEF

4%

6%

2%

3%

3%

5%

12%ANOP

5%

M
Don't know/prefer not to say

GIKL

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


E11 And in the past three years, have you experienced a major unexpected expense?
By `major', we mean an expense equivalent to your whole income for a month, or more.
Base: those who have not experienced a recent drop in their income

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Unweighted total

3927

2442

Weighted total

3917

2361

Yes

No

Don't know/prefer not to say

Mixed race
(D)

Asian (E)

108

25

124

113

26**

129

Black (F)

Other (G)

BME (H)

43

201

3927

47*

9**

212

3927

633

359

32

15

26

645

16%B

15%

28%ABEFH

16%

12%

9%

22%

12%

16%

3079

1890

74

20

95

32

153

3087

79%CH

80%ACH

66%

76%

74%

69%

56%

72%

79%

205

112

19

11

33

195

5%

5%

6%

7%

15%ABC

22%ABC

21%

16%ABC

5%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E2 What caused the large drop in income you experienced?
Base: all who have experienced an unexpected large drop in income

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

1152

524

628

77

193

261

308

313

498

654

534

51

56

26

1152

Weighted total

1162

524

638

81*

222

267

323

270

511

651

540

55*

56*

27**

4**

7**

1152

Losing your job, being made redundant or


leaving work through ill health

A change in your salary

A change in hours at work

A change in your personal circumstances


such as separating from a partner

Having to pay back debts

Having a baby

A change in benefits/ benefit


cuts/bedroom tax

Lower interest rates/on savings/returns on


investments

Increase of living expenses/cost of living/


inflation/bills

A child needing money for something such


as university fees, a wedding etc.

Partner/family member/ not


working/made redundant/lost job

Sickness/disability/ health
reasons/accident

50,000+ (P)

453

228

225

31

101

109

140

71

212

241

206

26

16

442

39%CH

44%AC

35%

38%H

46%AH

41%H

43%H

26%

41%

37%

38%

47%M

28%

30%

72%

45%

38%

201

100

101

17

42

46

70

27

88

113

74

18

10

194

17%HK

19%

16%

21%H

19%H

17%H

22%AH

10%

17%

17%

14%

33%AK

18%

29%

15%

17%

181

83

98

18

46

50

46

21

75

107

75

11

11

175

16%H

16%

15%

22%H

21%AH

19%H

14%H

8%

15%

16%

14%

20%

20%

15%

27%

32%

15%

122

46

76

11

17

32

26

36

48

74

72

124

10%

9%

12%

13%

8%

12%

8%

13%G

9%

11%

13%A

12%

10%

8%

13%

11%

109

52

57

38

29

23

13

45

64

52

104

9%H

10%

9%

7%

17%ADGH

11%H

7%

5%

9%

10%

10%

15%

5%

28%

9%

79

16

63

51

17

32

46

37

71

7%BGH

3%

10%AB

9%GH

23%ADFGH

7%GH

1%

6%

7%

7%

8%

4%

12%

13%

6%

56

21

35

18

24

15

40

35

55

5%HI

4%

5%

4%

2%

7%EH

8%AEH

2%

3%

6%AI

6%A

4%

5%

32

20

12

26

18

13

18

32

3%CEFG

4%C

2%

1%

10%ADEFG

4%

2%

3%

5%

3%

12%

3%

27

13

14

13

19

15

27

2%

3%

2%

1%

3%

2%

5%AEG

2%

3%

3%

6%

2%

24

10

14

13

11

10

23

2%

2%

2%

1%

2%

2%

3%

2%

3%

2%

2%

2%

2%

4%

20%

18%

2%

24

19

13

12

24

2%B

1%

3%AB

4%

3%

2%

2%

2%

2%

2%

1%

3%

7%AK

2%

20

14

16

20

2%I

1%

2%

1%

3%

2%

2%

1%

3%AI

2%

2%

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E2 What caused the large drop in income you experienced?
Base: all who have experienced an unexpected large drop in income

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

1162

524

638

81*

222

267

323

270

511

651

540

55*

56*

27**

4**

7**

Weighted total
Unemployed/lack of work

A change in tax/tax demand/tax credit

Caring for family member

A change of job

A change in government policy

Returning to study/ student fees

Other

Prefer not to say

Don't know

1152

19

13

10

12

19

2%

1%

2%

1%

2%

3%A

1%

1%

2%

1%

9%

15%

2%

10

1%J

1%

1%

1%

1%

2%

1%

1%

6%

1%

10

1%B

1%AB

1%

1%

1%

1%

1%

1%

2%

2%

1%

1%

1%

1%

3%

1%

1%

1%

3%AK

3%

1%

1%C

1%AC

1%

1%

2%AFG

1%AI

1%

1%

1%

2%AFGH

1%

1%

1%

34

17

16

17

18

15

18

35

3%

3%

3%

1%

2%

3%

6%ADEFG

4%

2%

3%

5%

3%

47

22

25

22

17

30

23

48

4%

4%

4%

3%

4%

2%

3%

8%AEFG

3%

5%

4%

4%

18

13

19

2%

2%

1%

2%

2%

2%

1%

2%

1%

2%

2%

2%

2%

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E2 What caused the large drop in income you experienced?
Base: all who have experienced an unexpected large drop in income

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

1152

522

441

187

307

806

626

526

322

830

58

289

230

556

549

540

1152

Weighted total

1162

538

450

171

301

819

637

525

345

817

62*

282

237

562

548

550

1152

Losing your job, being made redundant or


leaving work through ill health

A change in your salary

453

206

213

33

118

318

253

199

131

322

35

99

92

221

220

214

442

39%D

38%D

47%ABD

19%

39%

39%

40%

38%

38%

39%

56%ALMN

35%

39%

39%

40%

39%

38%

201

139

53

30

164

117

84

65

135

47

41

104

75

114

194

17%CDEO

26%ACD

12%D

5%

10%

20%AE

18%

16%

19%

17%

8%

17%

18%

18%

14%

21%AO

17%

A change in hours at work

181

141

35

34

141

110

71

66

115

17

33

42

86

69

105

175

16%CDEJLO

26%ACD

8%

3%

11%

17%AE

17%J

13%

19%AHJ

14%

27%ALN

12%

18%L

15%

13%

19%AO

15%

A change in your personal circumstances


such as separating from a partner

122

46

49

26

43

76

28

93

36

86

44

34

39

70

44

124

10%GNP

9%

11%

15%AB

14%AF

9%

4%

18%AGIJ

10%G

10%G

5%

15%AKN

14%AN

7%

13%AP

8%

11%

Having to pay back debts

Having a baby

A change in benefits/ benefit


cuts/bedroom tax

109

52

48

33

69

61

48

44

65

26

35

40

64

39

104

9%DJNP

10%

11%D

5%

11%

8%

10%

9%

13%AGJ

8%

9%

9%

15%AN

7%

12%AP

7%

9%

79

35

44

14

61

68

10

72

12

22

40

54

23

71

7%DHJP

6%D

10%AD

5%

7%

11%AHJ

2%J

21%AGHJ

1%

5%

4%

9%L

7%

10%AP

4%

6%

56

49

37

14

16

39

13

42

35

13

52

55

5%BFGNP

1%

11%ABD

2%

12%AF

2%

3%

8%AGIJ

4%

5%G

2%

13%AKMN

6%N

1%

9%AP

1%

5%

32

28

26

18

13

29

29

23

32

3%BCILMO

16%ABC

2%

3%

3%I

3%I

1%

4%AI

2%

5%ALM

1%

4%AO

3%

Lower interest rates/on savings/returns on


investments

Increase of living expenses/cost of living/


inflation/bills

A child needing money for something such


as university fees, a wedding etc.

Partner/family member/ not


working/made redundant/lost job

Sickness/disability/ health
reasons/accident

27

11

11

15

12

15

21

12

10

18

27

2%B

1%

2%

6%AB

4%

2%

2%

3%

2%

3%

4%AN

2%

2%

3%

1%

2%

24

12

19

19

10

14

14

13

11

23

2%H

2%

1%

4%C

2%

2%

3%AHJ

1%

3%H

2%H

2%

2%

2%

2%

2%

2%

2%

24

13

18

23

16

13

12

12

24

2%H

2%

2%

1%

2%

2%

4%AHJ

2%H

2%H

2%

2%

2%

2%

2%

2%

20

10

12

13

16

11

13

20

2%FN

1%

2%

2%

4%AF

1%

2%

1%

1%

2%

4%AN

2%

1%

2%

1%

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


E2 What caused the large drop in income you experienced?
Base: all who have experienced an unexpected large drop in income

Work status

Disability

Total (A)

Working (B)

Not working
(C)

1162

538

450

171

Weighted total
Unemployed/lack of work

A change in tax/tax demand/tax credit

Caring for family member

A change of job

A change in government policy

Returning to study/ student fees

Other

Prefer not to say

Don't know

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

301

819

637

525

345

Unweigh
Benefit recipient ted total

Home status

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

817

62*

282

237

562

548

550

1152

19

16

16

10

12

13

14

19

2%CL

3%ACD

1%

1%

2%

2%

2%

2%

1%

2%

2%

2%L

1%

3%AO

2%

10

1%

1%

1%

1%

1%

1%

1%

2%

1%

1%

2%

1%

1%

1%

10

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%O

2%AC

1%

1%

1%

1%

1%

1%

3%AN

1%

1%

1%AO

1%

1%BN

1%

2%AB

1%

1%

1%

1%

1%

2%AN

1%

1%

1%AB

1%

1%

2%L

1%AN

1%AO

34

13

16

28

24

10

27

23

14

19

35

3%C

2%

1%

9%ABC

2%

3%

4%I

2%

2%

3%H

2%

2%

4%A

3%

3%

3%

47

18

19

11

30

21

25

40

10

24

15

21

48

4%BILO

2%

4%B

11%ABC

4%

4%

3%

5%I

2%

5%AI

5%

2%

4%

4%

3%

4%

4%

18

12

10

13

19

2%BN

1%

3%AB

2%

3%

1%

1%

2%

1%

2%

2%

3%N

2%

1%

2%

1%

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base

Relationship status

Money Advice Service - Financial Capability Tracker Survey - FINAL


E2 What caused the large drop in income you experienced?
Base: all who have experienced an unexpected large drop in income

Region

Total (A)

NorthEast (B)

NorthWest
(C)

Yorkshire
and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

East Anglia
(G)

Unweigh
ted total

Internet usage

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern Several times Once a day 2 to 5 times a Once a week


Ireland (M)
a day (N)
(O)
week (P)
or less (Q)

Unweighted total

1152

47

140

95

99

86

97

93

155

158

48

109

25

771

182

39

160

1152

Weighted total

1162

42*

127

100*

101*

76*

112*

91*

152

169

45*

98

49**

786

180

40*

157

1152

Losing your job, being made redundant or


leaving work through ill health

A change in your salary

A change in hours at work

A change in your personal circumstances


such as separating from a partner

Having to pay back debts

453

15

52

29

39

28

56

32

54

71

17

36

22

325

68

17

43

442

39%Q

36%

41%

30%

39%

37%

50%ADI

36%

35%

42%D

37%

37%

45%

41%AQ

38%Q

43%

27%

38%

201

20

19

21

14

19

14

22

38

15

146

34

15

194

17%Q

9%

15%

19%

21%

18%

17%

16%

15%

23%B

12%

15%

19%

19%Q

19%Q

17%

9%

17%

181

20

12

15

17

15

24

27

20

12

136

33

175

16%Q

19%

15%

12%

15%

9%

15%

17%

16%

16%

11%

20%F

24%

17%AQ

18%Q

14%Q

4%

15%

122

13

13

11

12

20

15

15

73

15

27

124

10%

11%

10%

14%

10%

9%

8%

13%

13%

9%

7%

15%

9%

8%

17%

17%ANO

11%

109

11

10

11

14

19

71

23

104

9%Q

22%ACDEFG

9%

10%

7%

7%

10%

8%

9%

11%

4%

6%

13%

9%

13%Q

17%Q

5%

9%

HIKL
Having a baby

A change in benefits/ benefit


cuts/bedroom tax

Lower interest rates/on savings/returns on


investments

Increase of living expenses/cost of living/


inflation/bills

A child needing money for something such


as university fees, a wedding etc.

Partner/family member/ not


working/made redundant/lost job

Sickness/disability/ health
reasons/accident

79

13

63

71

7%

2%

6%

7%

7%

10%

8%

7%

5%

7%

7%

4%

13%

8%A

5%

3%

4%

6%

56

30

11

13

55

5%N

4%

7%

5%

5%

7%

4%

4%

5%

3%

11%JL

3%

4%

4%

6%

6%

8%AN

5%

32

14

10

32

3%N

3%C

2%

3%C

2%

4%C

4%C

4%C

3%

6%C

3%

2%

3%

5%

7%AN

3%

27

11

27

2%N

2%

3%

6%AHI

3%

1%

3%

1%

3%

2%

3%

1%

5%AN

5%AN

2%

24

20

23

2%

5%ACDH

3%C

2%

3%C

2%

2%

3%C

4%

3%

1%

1%

2%

24

17

24

2%

4%

1%

1%

1%

4%D

1%

2%

2%

5%AD

4%

2%

4%Q

2%

20

12

20

2%

2%

5%ACG

2%

7%ACFGIJ

1%

1%

1%

4%

2%

3%

1%

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E2 What caused the large drop in income you experienced?
Base: all who have experienced an unexpected large drop in income

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

1162

42*

127

19

2%

2%

1%

2%

1%

4%L

4%IL

Weighted total
Unemployed/lack of work

A change in tax/tax demand/tax credit

Caring for family member

A change of job

A change in government policy

Returning to study/ student fees

Other

Prefer not to say

Don't know

100*

101*

76*

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

112*

91*

152

169

45*

98

49**

786

180

15

1%

2%

2%

2 to 5 times a Once a week


week (P)
or less (Q)
40*

157

1152

19

1%

3%

2%

10

1%

2%J

1%

1%

1%

2%

12%

1%

2%

2%

1%

10

1%

4%AEJL

2%

1%

2%

2%

1%

1%

1%

2%

1%

1%

1%

1%

1%

1%

1%

1%

2%

1%

1%

2%

1%

1%

2%J

1%

1%

2%

1%

2%

1%

1%

1%

2%

1%

1%

1%

1%

1%

34

24

35

3%

2%

3%

9%ABCGJ

2%

2%

3%

4%

2%

3%

3%

3%

1%

5%

3%

47

28

13

48

4%

4%

5%

1%

2%

6%

5%

6%

4%

4%

9%DE

5%

4%

3%

2%

8%ANO

4%

18

19

2%N

4%

2%

1%

4%

1%

1%

1%

1%

2%

2%

1%

3%

7%AN

2%

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E2 What caused the large drop in income you experienced?
Base: all who have experienced an unexpected large drop in income

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

Unweighted total

1152

619

33

14

29

11

60

1152

Weighted total

1162

599

34*

14**

29**

12**

6**

61*

1152

Losing your job, being made redundant or


leaving work through ill health

A change in your salary

A change in hours at work

A change in your personal circumstances


such as separating from a partner

Having to pay back debts

Having a baby

A change in benefits/ benefit


cuts/bedroom tax

Lower interest rates/on savings/returns on


investments

Increase of living expenses/cost of living/


inflation/bills

A child needing money for something such


as university fees, a wedding etc.

Partner/family member/ not


working/made redundant/lost job

Sickness/disability/ health
reasons/accident

Unemployed/lack of work

BME (H)

453

231

12

11

21

442

39%

38%

33%

35%

36%

36%

17%

34%

38%

201

87

18

194

17%B

15%

13%

39%

29%

35%

29%AB

17%

181

69

13

175

16%B

12%

12%

9%

29%

17%

17%

21%B

15%

122

66

124

10%

11%

21%

20%

4%

9%

8%

11%

109

49

104

9%

8%

6%

15%

14%

25%

15%

9%

79

26

71

7%B

4%

6%

24%

4%

18%

11%B

6%

56

34

55

5%

6%

3%

7%

7%

5%

5%

32

25

32

3%

4%A

3%

27

18

27

2%

3%

2%

24

23

2%

2%

9%

12%

35%

8%AB

2%

24

10

24

2%

2%

6%

2%

20

10

20

2%

2%

2%

19

10

19

2%

2%

4%

3%

2%

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E2 What caused the large drop in income you experienced?
Base: all who have experienced an unexpected large drop in income

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

1162

599

34*

14**

29**

12**

6**

61*

1152

10

1%

1%

2%

1%

10

1%

1%

1%

1%

1%

1%

Weighted total
A change in tax/tax demand/tax credit

Caring for family member

A change of job

A change in government policy

Returning to study/ student fees

Other

Prefer not to say

Don't know

1%

1%

2%

19%

3%AB

1%

34

22

35

3%

4%

2%

3%

17%

3%

3%

47

25

48

4%

4%

10%

3%

12%

3%

4%

18

12

19

2%

2%

6%

3%

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E3 Which, if any, of the following actions did you take, or are you currently taking, to try to make ends meet when you suffered this large drop in income?
Base: all who have experienced an unexpected large drop in income

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

1152

524

628

77

193

261

308

313

498

654

534

51

56

26

1152

Weighted total

1162

524

638

81*

222

267

323

270

511

651

540

55*

56*

27**

4**

7**

1152

Cut back on spending

788

342

446

52

147

187

236

168

353

435

362

41

41

21

780

68%H

65%

70%

64%

66%

70%

73%AH

62%

69%

67%

67%

75%

74%

78%

73%

45%

68%

Used money from a savings account

Sold some of my belongings that I no


longer needed

Claimed social security benefits

Borrowed money from family/friends

Got a job/got a second job/worked


additional hours in existing job

Used a credit card, store card or overdraft

Made arrangement with creditors to pay


less/ suspend payments

Used a redundancy payment

Took out a loan (including a pay day or


Social Fund loan)

Claimed on an insurance policy

Moved house

Other

I did not take any action

50,000+ (P)

361

154

207

18

79

88

111

65

182

179

167

19

17

350

31%HJ

29%

32%

23%

36%DH

33%H

34%DH

24%

36%AJ

27%

31%

35%

31%

35%

52%

31%

30%

305

128

177

19

88

82

86

31

126

179

141

19

15

294

26%H

24%

28%

24%H

40%ADFGH

31%H

27%H

11%

25%

27%

26%

35%

27%

7%

16%

26%

232

109

124

17

53

67

61

34

94

138

118

11

232

20%H

21%

19%

21%

24%H

25%AH

19%H

13%

18%

21%

22%

17%

19%

8%

52%

16%

20%

189

71

117

25

64

52

38

10

75

114

86

13

180

16%BGH

14%

18%AB

31%AFGH

29%AFGH

20%GH

12%H

4%

15%

17%

16%

17%

24%

4%

16%

16%

178

78

100

17

44

43

59

16

83

95

60

18

13

170

15%HK

15%

16%

21%H

20%H

16%H

18%H

6%

16%

15%

11%

32%AK

23%K

27%

24%

13%

15%

177

66

111

10

57

43

48

20

92

85

76

17

10

169

15%BHJ

13%

17%AB

12%

26%ADFGH

16%H

15%H

7%

18%AJ

13%

14%

31%AK

18%

22%

47%

15%

104

45

59

28

31

32

12

49

55

40

10

102

9%DH

9%

9%

1%

13%DH

12%DH

10%DH

5%

10%

8%

7%

18%AK

17%AK

8%

16%

9%

90

46

44

16

22

35

15

48

41

46

86

8%J

9%

7%

3%

7%

8%

11%ADH

5%

9%

6%

9%

8%

8%

12%

11%

7%

77

35

43

22

20

20

34

44

39

75

7%H

7%

7%

10%H

10%H

8%H

6%H

3%

7%

7%

7%

13%

12%

20%

16%

7%

23

13

10

13

10

23

2%K

3%

2%

3%

2%

3%

1%

3%

2%

1%

3%

13%

2%

1%

1%

2%

1%

1%

1%

2%

2%

1%

24

12

12

12

12

16

24

2%

2%

2%

1%

2%

1%

2%

3%

2%

2%

3%

2%

3%

2%

87

45

42

14

15

22

30

41

46

36

88

7%

9%

7%

6%

6%

6%

7%

11%AF

8%

7%

7%

2%

8%

4%

27%

8%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E3 Which, if any, of the following actions did you take, or are you currently taking, to try to make ends meet when you suffered this large drop in income?
Base: all who have experienced an unexpected large drop in income

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

1162

524

638

81*

222

267

323

270

511

651

540

55*

56*

27**

4**

7**

Weighted total
Prefer not to say

Don't know

1152

16

10

12

15

1%

2%

1%

3%

1%

2%

1%

1%

2%

1%

1%

15

11

12

16

1%I

1%

2%

2%

1%

1%

3%AG

1%

2%I

2%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E3 Which, if any, of the following actions did you take, or are you currently taking, to try to make ends meet when you suffered this large drop in income?
Base: all who have experienced an unexpected large drop in income

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

1152

522

441

187

307

806

626

526

322

830

58

289

230

556

549

540

1152

Weighted total

1162

538

450

171

301

819

637

525

345

817

62*

282

237

562

548

550

1152

Cut back on spending

788

377

313

98

207

559

445

343

252

536

36

193

160

386

384

366

780

68%DJ

70%D

69%D

57%

69%

68%

70%J

65%

73%AHJ

66%

58%

68%

67%

69%

70%

67%

68%

Used money from a savings account

361

192

128

41

87

268

226

135

109

252

17

50

73

214

140

207

350

31%DHLO

36%ACD

28%

24%

29%

33%

36%AHJ

26%

32%H

31%H

28%

18%

31%L

38%AL

26%

38%AO

30%

Sold some of my belongings that I no


longer needed

305

143

142

20

89

203

177

128

118

187

16

71

96

120

183

106

294

26%DJNP

26%D

31%AD

12%

30%

25%

28%J

24%

34%AGHJ

23%

25%

25%

41%AKLN

21%

33%AP

19%

26%

Claimed social security benefits

232

85

128

18

86

141

120

112

76

156

11

80

64

75

179

48

232

20%BDFNP

16%

28%ABD

11%

29%AF

17%

19%

21%

22%

19%

18%

28%AN

27%AN

13%

33%AP

9%

20%

Borrowed money from family/friends

189

93

87

51

126

96

93

74

115

16

47

65

59

120

58

180

16%DJNP

17%D

19%AD

5%

17%

15%

15%

18%J

21%AGJ

14%

26%N

17%N

27%ALN

11%

22%AP

11%

16%

Got a job/got a second job/worked


additional hours in existing job

178

151

23

21

150

104

74

62

116

15

25

44

94

58

113

170

15%CDELO

28%ACD

5%

2%

7%

18%AE

16%

14%

18%

14%

24%L

9%

19%L

17%L

11%

21%AO

15%

Used a credit card, store card or overdraft

177

97

66

14

30

142

119

58

77

99

31

39

98

88

87

169

15%DEHJL

18%AD

15%D

8%

10%

17%AE

19%AHJ

11%

22%AHJ

12%

11%

11%

16%

17%L

16%

16%

15%

Made arrangement with creditors to pay


less/ suspend payments

Used a redundancy payment

Took out a loan (including a pay day or


Social Fund loan)

Claimed on an insurance policy

Moved house

Other

I did not take any action

104

56

41

24

76

61

43

51

53

32

29

42

76

26

102

9%DJKP

10%D

9%D

3%

8%

9%

10%J

8%

15%AGHJ

7%

2%

11%K

12%KN

8%

14%AP

5%

9%

90

49

33

15

73

55

34

30

59

16

61

37

51

86

8%EM

9%D

7%

4%

5%

9%AE

9%

7%

9%

7%

5%

6%

4%

11%ALM

7%

9%

7%

77

39

34

20

56

49

28

35

42

22

25

26

45

32

75

7%DJN

7%D

8%D

3%

6%

7%

8%J

5%

10%AHJ

5%

4%

8%

11%AN

5%

8%A

6%

7%

23

14

17

12

11

12

11

13

11

11

23

2%J

3%

1%

3%

2%

2%

2%

2%

3%GJ

1%

1%

3%

2%

2%

2%

2%

1%

1%

1%

1%

1%

1%AGI

1%G

1%

1%

1%

1%

1%

24

12

12

16

19

14

10

11

24

2%F

1%

2%

5%AB

4%AF

1%

2%

2%

1%

2%

2%

1%

3%

2%

2%

2%

87

28

33

25

21

63

46

41

21

66

23

49

33

50

88

7%BM

5%

7%

15%ABC

7%

8%

7%

8%

6%

8%

13%M

8%M

3%

9%M

6%

9%

8%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


E3 Which, if any, of the following actions did you take, or are you currently taking, to try to make ends meet when you suffered this large drop in income?
Base: all who have experienced an unexpected large drop in income

Work status

Disability

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

1162

538

450

171

301

819

637

525

345

817

62*

282

237

562

548

550

Weighted total
Prefer not to say

Don't know

1152

16

10

10

13

15

1%

1%

2%

2%

2%

1%

1%

2%

1%

2%

4%

1%

1%

1%

1%

1%

1%

15

11

16

1%B

1%

3%AB

1%

1%

1%

2%

1%

1%

2%

1%

1%

2%

1%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base

Relationship status

Money Advice Service - Financial Capability Tracker Survey - FINAL


E3 Which, if any, of the following actions did you take, or are you currently taking, to try to make ends meet when you suffered this large drop in income?
Base: all who have experienced an unexpected large drop in income

Region

Total (A)

NorthEast (B)

NorthWest
(C)

Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

East Anglia
(G)

Unweigh
ted total

Internet usage

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

Unweighted total

1152

47

140

95

99

86

97

93

155

158

48

109

25

771

182

39

160

1152

Weighted total

1162

42*

127

100*

101*

76*

112*

91*

152

169

45*

98

49**

786

180

40*

157

1152

Cut back on spending

788

27

87

71

73

51

77

61

109

98

29

67

38

543

122

27

96

780

68%J

64%

69%

71%J

73%J

67%

68%

67%

72%J

58%

63%

68%

76%

69%

68%

67%

61%

68%

Used money from a savings account

Sold some of my belongings that I no


longer needed

Claimed social security benefits

Borrowed money from family/friends

Got a job/got a second job/worked


additional hours in existing job

Used a credit card, store card or overdraft

Made arrangement with creditors to pay


less/ suspend payments

Used a redundancy payment

Took out a loan (including a pay day or


Social Fund loan)

Claimed on an insurance policy

Moved house

Other

I did not take any action

361

14

31

28

31

19

43

29

47

54

13

26

26

274

54

15

18

350

31%Q

34%

25%

28%

31%

24%

38%C

32%

31%

32%

28%

27%

53%

35%AQ

30%Q

38%Q

12%

30%

305

11

38

30

29

15

34

27

37

33

13

22

15

233

53

13

294

26%JQ

27%

30%J

30%

29%

20%

30%

30%

25%

19%

29%

22%

30%

30%AQ

29%Q

15%

8%

26%

232

13

28

20

19

18

19

22

24

38

12

16

170

37

20

232

20%Q

30%I

22%

20%

19%

23%

17%

24%

16%

23%

26%

16%

7%

22%Q

20%

15%

13%

20%

189

18

19

15

10

26

18

21

29

15

150

24

180

16%Q

16%

14%

19%

15%

13%

23%

20%

14%

17%

16%

15%

9%

19%AQ

14%Q

11%

6%

16%

178

15

11

24

16

31

30

15

140

25

10

170

15%Q

12%

12%

10%

10%

12%

22%DE

17%

21%ACDE

18%

8%

15%

17%

18%AQ

14%Q

24%Q

2%

15%

177

20

16

13

11

17

10

22

24

17

15

144

22

169

15%Q

20%

16%

16%

12%

14%

15%

11%

14%

14%

10%

17%

30%

18%AQ

12%Q

13%Q

3%

15%

104

17

14

14

11

82

18

102

9%Q

7%

13%GIJ

14%GI

14%GIJ

8%

4%

6%

6%

6%

13%G

8%

13%

10%AQ

10%Q

8%Q

1%

9%

90

13

12

22

69

13

86

8%Q

6%

7%

13%BF

3%

11%B

6%

6%

13%ABCFI

4%

6%

8%

9%Q

7%

7%

3%

7%

77

10

11

11

53

19

75

7%LQ

13%HJL

7%

9%L

10%L

8%L

10%L

3%

7%

4%

6%

2%

4%

7%

11%AQ

2%

3%

7%

23

18

23

2%

2%

1%

2%

1%

3%

1%

3%

2%

4%

3%

2%

1%

1%

2%

1%

1%

1%

1%

1%

1%

1%

1%

1%

24

14

24

2%

2%

1%

7%ACEIJ

2%

2%

1%

1%

5%C

5%AC

2%

2%

2%

4%

2%

87

10

12

12

10

53

10

21

88

7%

15%DE

8%

3%

4%

10%

7%

8%

8%

7%

12%D

10%

4%

7%

6%

8%

13%ANO

8%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E3 Which, if any, of the following actions did you take, or are you currently taking, to try to make ends meet when you suffered this large drop in income?
Base: all who have experienced an unexpected large drop in income

Region

Total (A)

NorthEast (B)

NorthWest
(C)

1162

42*

127

16

1%

2%

Weighted total
Prefer not to say

Don't know

Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)
100*

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

112*

91*

152

169

45*

98

49**

786

180

2 to 5 times a Once a week


week (P)
or less (Q)

101*

76*

40*

157

1152

12

15

1%

4%

1%

2%

1%

1%

2%

1%

1%

1%

3%

1%

1%

15

10

16

1%N

4%

1%

1%

1%

3%

1%

1%

2%

2%

1%

2%

6%ANO

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E3 Which, if any, of the following actions did you take, or are you currently taking, to try to make ends meet when you suffered this large drop in income?
Base: all who have experienced an unexpected large drop in income

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

Unweighted total

1152

619

33

14

29

11

60

1152

Weighted total

1162

599

34*

14**

29**

12**

6**

61*

1152

Cut back on spending

788

410

23

23

45

780

68%

68%

66%

64%

79%

70%

83%

74%

68%

Used money from a savings account

Sold some of my belongings that I no


longer needed

Claimed social security benefits

Borrowed money from family/friends

Got a job/got a second job/worked


additional hours in existing job

Used a credit card, store card or overdraft

Made arrangement with creditors to pay


less/ suspend payments

Used a redundancy payment

Took out a loan (including a pay day or


Social Fund loan)

Claimed on an insurance policy

Moved house

Other

I did not take any action

BME (H)

361

180

20

17

350

31%

30%

57%ABH

42%

22%

27%

34%

28%

30%

305

146

294

26%CH

24%C

9%

25%

17%

15%

26%

232

119

10

232

20%

20%

12%

7%

23%

8%

17%

16%

20%

189

80

180

16%B

13%

20%

23%

18%

14%

16%

178

74

10

170

15%B

12%

12%

22%

10%

28%

17%

17%

15%

177

70

11

169

15%B

12%

12%

24%

16%

18%

18%

18%

15%

104

54

102

9%

9%

4%

12%

9%

7%

9%

90

51

86

8%

9%

7%

8%

10%

6%

7%

77

34

75

7%

6%

12%

10%

7%

7%

23

13

23

2%

2%

6%

8%

10%

6%A

2%

1%

1%

24

17

24

2%

3%

3%

2%

87

55

88

7%

9%A

8%

3%

12%

6%

8%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E3 Which, if any, of the following actions did you take, or are you currently taking, to try to make ends meet when you suffered this large drop in income?
Base: all who have experienced an unexpected large drop in income

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

1162

599

34*

14**

29**

12**

6**

61*

Weighted total
Prefer not to say

Don't know

1152

16

15

1%

1%

6%AB

1%

15

16

1%

1%

7%AB

3%

2%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E3/E4 Which of the actions you took made most difference to your financial situation?
Base: all who have experienced an unexpected large drop in income

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

1152

524

628

77

193

261

308

313

498

654

534

51

56

26

1152

Weighted total

1162

524

638

81*

222

267

323

270

511

651

540

55*

56*

27**

4**

7**

1152

Cut back on spending

439

194

245

27

67

97

132

116

199

240

214

18

21

11

439

38%E

37%

38%

34%

30%

36%

41%E

43%AE

39%

37%

40%

33%

37%

42%

20%

28%

38%

Used money from a savings account

Claimed on an insurance policy

Used a credit card, store card or overdraft

Took out a loan (including a pay day or


Social Fund loan)

Borrowed money from family/friends

Got a job/got a second job/worked


additional hours in existing job

Used a redundancy payment

Claimed social security benefits

Made arrangement with creditors to pay


less/ suspend payments

Sold some of my belongings that I no


longer needed

Other way

I did not take any action

Prefer not to say

50,000+ (P)

132

66

66

19

32

39

39

61

70

65

131

11%D

13%

10%

4%

8%

12%D

12%D

14%D

12%

11%

12%

9%

7%

13%

28%

18%

11%

1%

1%

1%

1%AF

1%

2%

1%

39

17

21

18

22

17

20

33

3%GH

3%

3%

5%H

8%AFGH

3%

2%

1%

4%

3%

4%

8%M

4%

16%

3%

26

20

13

13

18

26

2%B

1%

3%AB

7%AFGH

2%

2%

2%

2%

3%

2%

3%A

3%

3%

2%

53

23

30

15

14

12

20

33

24

51

5%H

4%

5%

11%AGH

7%H

5%H

4%H

1%

4%

5%

4%

2%

5%

4%

4%

96

44

52

11

23

17

34

11

47

49

30

10

91

8%HK

8%

8%

13%H

10%H

6%

11%H

4%

9%

8%

6%

14%K

18%AK

16%

24%

8%

36

16

20

11

12

18

18

15

35

3%

3%

3%

1%

1%

4%

4%

3%

3%

3%

3%

4%

2%

7%

11%

3%

93

40

54

29

31

12

15

26

67

45

95

8%GI

8%

8%

7%

13%AGH

12%AGH

4%

5%

5%

10%AI

8%

8%

5%

4%

27%

8%

56

27

29

18

20

21

35

18

56

5%K

5%

5%

1%

4%

7%H

6%

3%

4%

5%

3%

9%

11%AK

4%

5%

36

15

21

10

16

20

14

35

3%

3%

3%

5%

4%

3%

2%

3%

3%

3%

3%

3%

3%

30

13

17

15

15

20

30

3%

2%

3%

1%

3%

1%

3%

4%

3%

2%

4%A

4%

2%

3%

3%

87

45

42

14

15

22

30

41

46

36

88

7%

9%

7%

6%

6%

6%

7%

11%AF

8%

7%

7%

2%

8%

4%

27%

8%

19

10

14

18

2%

2%

1%

3%

1%

3%F

1%

1%

2%

2%

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E3/E4 Which of the actions you took made most difference to your financial situation?
Base: all who have experienced an unexpected large drop in income

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

1162

524

638

81*

222

267

323

270

511

651

540

55*

56*

27**

4**

7**

Weighted total
Don't know

1152

15

11

12

16

1%I

1%

2%

2%

1%

1%

3%AG

1%

2%I

2%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E3/E4 Which of the actions you took made most difference to your financial situation?
Base: all who have experienced an unexpected large drop in income

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

1152

522

441

187

307

806

626

526

322

830

58

289

230

556

549

540

1152

Weighted total

1162

538

450

171

301

819

637

525

345

817

62*

282

237

562

548

550

1152

Cut back on spending

439

187

185

67

124

301

238

201

117

322

21

127

66

214

198

213

439

38%M

35%

41%

39%

41%

37%

37%

38%

34%

39%

34%

45%AM

28%

38%M

36%

39%

38%

Used money from a savings account

132

67

37

27

34

97

83

49

29

102

11

29

83

40

85

131

11%CHLO

12%C

8%

16%C

11%

12%

13%I

9%

9%

13%AH

10%L

4%

12%L

15%AL

7%

15%AO

11%

1%

1%

2%AC

1%

1%

1%

1%

1%

1%

Claimed on an insurance policy

Used a credit card, store card or overdraft

Took out a loan (including a pay day or


Social Fund loan)

Borrowed money from family/friends

Got a job/got a second job/worked


additional hours in existing job

39

23

13

33

28

11

20

18

23

19

19

33

3%EHJ

4%

3%

1%

1%

4%AE

4%HJ

2%

6%AHJ

2%

2%

3%

3%

4%

3%

3%

3%

26

11

12

10

16

14

12

17

16

11

26

2%N

2%

3%

2%

3%

2%

2%

2%

3%

2%

2%

3%

4%N

1%

3%

2%

2%

53

26

25

12

36

22

31

14

39

11

23

12

28

20

51

5%DGN

5%D

6%D

1%

4%

4%

3%

6%

4%

5%

10%ALN

4%

10%ALN

2%

5%

4%

4%

96

84

11

11

81

55

41

32

64

11

21

56

25

66

91

8%CDELO

16%ACD

2%

1%

4%

10%AE

9%

8%

9%

8%

12%L

4%

9%L

10%AL

5%

12%AO

8%

Used a redundancy payment

Claimed social security benefits

36

19

12

33

21

15

11

25

23

14

21

35

3%E

4%

3%

3%

1%

4%AE

3%

3%

3%

3%

2%

3%

1%

4%

3%

4%

3%

93

32

54

34

57

43

51

37

56

38

28

20

76

16

95

8%BDFJNP

6%

12%ABD

4%

11%AF

7%

7%

10%J

11%AGJ

7%

8%

13%AN

12%AN

3%

14%AP

3%

8%

Made arrangement with creditors to pay


less/ suspend payments

Sold some of my belongings that I no


longer needed

Other way

I did not take any action

Prefer not to say

56

31

20

12

43

34

22

26

30

17

17

22

41

13

56

5%DJP

6%D

5%

2%

4%

5%

5%J

4%

7%AHJ

4%

6%

7%K

4%

7%AP

2%

5%

36

21

12

19

22

14

15

20

15

14

21

13

35

3%BF

2%

5%AB

4%

4%

2%

3%

3%

4%

2%

3%

2%

7%ALN

2%

4%

2%

3%

30

11

11

13

17

16

14

24

16

18

10

30

3%

2%

2%

5%AB

4%AF

2%

3%

3%

2%

3%

2%

3%

3%

3%

2%

3%

87

28

33

25

21

63

46

41

21

66

23

49

33

50

88

7%BM

5%

7%

15%ABC

7%

8%

7%

8%

6%

8%

13%M

8%M

3%

9%M

6%

9%

8%

19

10

11

13

16

18

2%G

1%

2%

2%

2%

1%

1%

2%AGI

1%

2%G

4%

1%

1%

1%

1%

1%

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


E3/E4 Which of the actions you took made most difference to your financial situation?
Base: all who have experienced an unexpected large drop in income

Work status

Disability

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

1162

538

450

171

301

819

637

525

345

817

62*

282

237

562

548

550

15

11

16

1%B

1%

3%AB

1%

1%

1%

2%

1%

1%

2%

1%

1%

2%

1%

1%

Weighted total
Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base

Relationship status

1152

Money Advice Service - Financial Capability Tracker Survey - FINAL


E3/E4 Which of the actions you took made most difference to your financial situation?
Base: all who have experienced an unexpected large drop in income

Region

Total (A)

NorthEast (B)

NorthWest
(C)

Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

East Anglia
(G)

Unweigh
ted total

Internet usage

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

Unweighted total

1152

47

140

95

99

86

97

93

155

158

48

109

25

771

182

39

160

1152

Weighted total

1162

42*

127

100*

101*

76*

112*

91*

152

169

45*

98

49**

786

180

40*

157

1152

Cut back on spending

439

11

53

39

37

33

45

32

58

60

17

39

15

282

60

14

83

439

38%

26%

42%B

39%

36%

43%

40%

36%

38%

36%

37%

40%

30%

36%

33%

34%

53%ANOP

38%

Used money from a savings account

Claimed on an insurance policy

Used a credit card, store card or overdraft

Took out a loan (including a pay day or


Social Fund loan)

Borrowed money from family/friends

Got a job/got a second job/worked


additional hours in existing job

Used a redundancy payment

Claimed social security benefits

Made arrangement with creditors to pay


less/ suspend payments

Sold some of my belongings that I no


longer needed

Other way

I did not take any action

Prefer not to say

132

11

13

15

12

17

19

10

92

26

131

11%Q

17%

7%

11%

13%

7%

13%

13%

11%

11%

10%

10%

19%

12%Q

15%Q

13%

5%

11%

1%

1%

2%

1%

1%

2%

2%

1%

1%

1%

39

25

33

3%

2%

5%

1%

3%

3%

2%

3%

3%

4%

17%

3%

4%

5%

2%

3%

26

16

26

2%

2%

4%L

3%

4%

2%

1%

3%

3%

1%

4%

2%

5%ANQ

1%

2%

53

10

11

43

51

5%Q

4%

3%

4%

3%

5%

9%

4%

4%

7%

4%

3%

5%Q

3%

6%

1%

4%

96

12

18

19

73

17

91

8%Q

5%

7%

4%

6%

4%

11%

7%

12%D

11%

6%

7%

13%

9%Q

10%Q

10%Q

1%

8%

36

25

35

3%

2%

5%F

6%F

4%

2%

3%

4%

2%

4%

3%

4%

2%

1%

3%

93

10

12

14

14

69

13

95

8%G

17%AG

8%G

9%G

8%

9%G

2%

13%G

9%G

8%G

6%

7%

9%

7%

7%

5%

8%

56

10

44

10

56

5%Q

4%

6%G

11%AFGHI

8%G

2%

1%

3%

3%

4%

9%G

5%

4%

6%Q

6%Q

5%Q

5%

36

25

35

3%

2%

4%

1%

2%

5%

4%

4%

3%

3%

5%

2%

4%

3%

3%

2%

3%

3%

30

19

30

3%

2%

2%

1%

1%

6%AEI

2%

1%

1%

3%

7%

6%AI

2%

2%

2%

4%

3%

87

10

12

12

10

53

10

21

88

7%

15%DE

8%

3%

4%

10%

7%

8%

8%

7%

12%D

10%

4%

7%

6%

8%

13%ANO

8%

19

12

18

2%

2%

2%

1%

5%AI

1%

1%

2%

1%

1%

2%

1%

1%

1%

3%

2%

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E3/E4 Which of the actions you took made most difference to your financial situation?
Base: all who have experienced an unexpected large drop in income

Region

Total (A)

NorthEast (B)

NorthWest
(C)

1162

42*

127

Weighted total
Don't know

Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)
100*

101*

76*

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

112*

91*

152

169

45*

98

49**

786

180

2 to 5 times a Once a week


week (P)
or less (Q)
40*

157

1152

15

10

16

1%N

4%

1%

1%

1%

3%

1%

1%

2%

2%

1%

2%

6%ANO

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E3/E4 Which of the actions you took made most difference to your financial situation?
Base: all who have experienced an unexpected large drop in income

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

Unweighted total

1152

619

33

14

29

11

60

1152

Weighted total

1162

599

34*

14**

29**

12**

6**

61*

1152

Cut back on spending

439

239

14

14

30

439

38%

40%

41%

51%

48%

43%

66%

49%

38%

Used money from a savings account

Claimed on an insurance policy

Used a credit card, store card or overdraft

Took out a loan (including a pay day or


Social Fund loan)

Borrowed money from family/friends

Got a job/got a second job/worked


additional hours in existing job

Used a redundancy payment

Claimed social security benefits

Made arrangement with creditors to pay


less/ suspend payments

Sold some of my belongings that I no


longer needed

Other way

I did not take any action

Prefer not to say

BME (H)

132

69

131

11%

11%

17%

18%

10%

17%

11%

11%

1%

1%

1%

39

11

33

3%B

2%

8%

8%

9%

7%B

3%

26

26

2%B

1%

2%

53

23

51

5%

4%

17%ABH

4%

2%

4%

96

41

91

8%

7%

8%

10%

28%

12%C

8%

36

24

35

3%

4%

3%

2%

3%

93

42

95

8%

7%

6%

7%

4%

17%

5%

8%

56

30

56

5%

5%

4%

9%

3%

5%

36

20

35

3%

3%

4%

3%

30

18

30

3%

3%

3%

3%

87

55

88

7%

9%A

8%

3%

12%

6%

8%

19

18

2%

1%

6%AB

4%

2%

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E3/E4 Which of the actions you took made most difference to your financial situation?
Base: all who have experienced an unexpected large drop in income

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

1162

599

34*

14**

29**

12**

6**

61*

Weighted total
Don't know

1152

15

16

1%

1%

7%AB

3%

2%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E6 As a result of your experience of a large drop in income, have you made any long term changes to the way in which you manage your finances?
Base: all who took action on their large drop in income

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

1033

464

569

69

177

241

278

268

449

584

481

50

51

25

1033

Weighted total

1045

464

581

73*

204

246

293

229

464

581

487

54*

51*

26**

4**

5**

1033

Yes

610

278

332

39

121

146

172

132

274

336

295

42

28

13

603

58%

60%

57%

54%

59%

59%

59%

58%

59%

58%

61%

78%AKM

54%

49%

76%

61%

58%

367

168

199

24

62

83

110

88

167

200

164

12

23

13

366

35%

36%

34%

33%

31%

33%

38%

38%

36%

34%

34%

22%

46%L

51%

24%

39%

35%

12

11

11

1%B

2%AB

3%G

2%

1%

1%

2%

1%

1%

1%

No

Prefer not to say

Don't know

56

17

39

17

16

16

40

24

53

5%BHI

4%

7%AB

10%GH

8%GH

7%H

3%

3%

3%

7%AI

5%

5%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E6 As a result of your experience of a large drop in income, have you made any long term changes to the way in which you manage your finances?
Base: all who took action on their large drop in income

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

1033

487

395

150

276

724

567

466

295

738

48

258

219

491

503

478

1033

Weighted total

1045

503

404

137

271

738

579

466

318

727

52*

252

225

499

502

489

1033

Yes

610

300

228

82

177

418

347

263

194

415

28

152

124

294

296

288

603

58%

60%

57%

60%

65%AF

57%

60%

56%

61%

57%

54%

60%

55%

59%

59%

59%

58%

367

174

143

50

85

276

203

164

104

263

17

79

78

187

170

178

366

35%

35%

35%

36%

31%

37%A

35%

35%

33%

36%

33%

31%

35%

38%

34%

36%

35%

No

Prefer not to say

Don't know

12

11

11

1%O

1%

1%

1%

1%

1%

1%

2%

2%

1%

1%

1%

2%O

1%

56

23

27

36

23

33

18

38

17

20

13

34

14

53

5%GNP

5%

7%

4%

3%

5%

4%

7%AGJ

6%

5%

10%N

7%N

9%AN

3%

7%P

3%

5%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


E6 As a result of your experience of a large drop in income, have you made any long term changes to the way in which you manage your finances?
Base: all who took action on their large drop in income

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

1033

38

123

90

91

Weighted total

1045

34*

112

94*

Yes

610

21

64

51

58%G

62%

57%

367

13

43

35%

38%

No

Prefer not to say

Don't know

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

76

88

84

140

142

41

96

24

702

169

34

128

1033

92*

66*

102*

81*

137

152

39*

86*

47**

718

167

35*

125

1033

53

44

49

48

79

85

25

56

34

426

91

19

73

603

54%

58%

66%G

48%

59%

58%

56%

63%

65%G

71%

59%

54%

55%

59%

58%

35

32

21

48

29

49

52

11

26

251

59

12

46

366

39%

37%

34%

31%

47%AL

36%

36%

34%

29%

30%

17%

35%

35%

35%

37%

35%

12

11

1%

1%

1%

2%

3%

1%

4%

1%

2%

4%

1%

1%

56

10

34

15

53

5%

4%

9%

7%

3%

5%

4%

4%

7%

8%

4%

8%

5%

9%A

6%

4%

5%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E6 As a result of your experience of a large drop in income, have you made any long term changes to the way in which you manage your finances?
Base: all who took action on their large drop in income

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

1033

547

29

13

27

10

56

1033

Weighted total

1045

530

30**

12**

28**

11**

6**

57*

1033

Yes

610

319

12

13

27

603

58%

60%

39%

53%

48%

51%

30%

48%

58%

367

192

14

13

26

366

35%

36%

47%

29%

48%

49%

70%

46%

35%

No

Prefer not to say

Don't know

12

11

1%B

1%

3%

9%

2%

1%

56

17

53

5%B

3%

11%

9%

4%

4%

5%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E7 Have the changes you made included any of the following?
Base: all those who have experienced a drop in income and made changes to the way they manage money as a result

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

603

278

325

37

104

142

165

155

267

336

293

38

28

12

603

Weighted total

610

278

332

39*

121*

146

172

132

274

336

295

42*

28**

13**

3**

3**

603

Cut back on spending

491

222

269

25

106

124

145

90

230

261

222

37

25

13

484

80%DHK

80%

81%

65%

88%ADH

85%DH

84%DH

68%

84%

78%

75%

88%

89%

100%

64%

100%

80%

Reduced the number of credit cards or


store cards you use

Put more money aside in savings

Applied for other benefits

Increased the amount of time you work

Consolidated debts into more manageable


payments

Reduced the amount you pay off your


mortgage

Decreased the amount of time you work

Increased the number of credit cards or


store cards you use

Increased the amount you pay off your


mortgage

Paid off debts/overdraft

50,000+ (P)

117

55

62

28

25

43

15

64

54

54

11

113

19%HJ

20%

19%

16%

24%H

17%

25%AH

11%

23%AJ

16%

18%

26%

33%

16%

19%

115

47

69

29

26

34

18

66

49

41

111

19%JK

17%

21%

19%

24%H

18%

20%

14%

24%AJ

15%

14%

20%

22%

34%

27%

18%

90

40

50

26

25

24

40

50

48

87

15%H

14%

15%

17%

22%AH

17%H

14%H

7%

15%

15%

16%

21%

36%

37%

14%

73

34

39

14

21

22

37

35

28

10

72

12%H

12%

12%

19%H

12%

14%H

13%

6%

14%

11%

9%

24%AK

25%

27%

30%

12%

59

25

34

16

17

17

29

30

25

57

10%H

9%

10%

5%

13%H

12%H

10%

5%

11%

9%

9%

14%

14%

9%

9%

22

15

11

12

10

21

4%CF

5%C

2%

4%

1%

6%AF

4%

4%

3%

3%

15%

37%

3%

21

13

12

13

19

3%

3%

4%

5%

3%

4%

4%

1%

3%

4%

4%

6%

3%

3%

20

12

10

10

19

3%

3%

3%

5%

5%

3%

3%

1%

4%

3%

3%

7%

7%

37%

3%

15

12

15

3%J

3%

2%

5%

1%

4%

2%

2%

5%AJ

1%

2%

3%

10%

8%

36%

2%
3

1%

1%

2%

1%

1%

5%AK

Taken out insurance/ endowment

1%

1%

1%

1%

Other change

11

11

2%

2%

2%

3%

2%

1%

1%

2%

1%

2%

2%

5%

2%

11

12

2%

2%

2%

3%

1%

3%

1%

2%

1%

2%

3%

2%

None of the above

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E7 Have the changes you made included any of the following?
Base: all those who have experienced a drop in income and made changes to the way they manage money as a result

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

610

278

332

39*

121*

146

172

132

274

336

295

42*

28**

13**

3**

3**

Weighted total
Don't know

603

49

24

26

12

29

16

34

36

49

8%EF

9%

8%

9%E

1%

3%

7%E

22%AEFG

6%

10%

12%A

4%

8%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E7 Have the changes you made included any of the following?
Base: all those who have experienced a drop in income and made changes to the way they manage money as a result

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

603

291

222

90

179

410

338

265

179

424

27

156

123

287

296

282

603

Weighted total

610

300

228

82*

177

418

347

263

194

415

28**

152

124

294

296

288

603

Cut back on spending

491

257

178

56

136

345

290

201

161

330

22

115

99

249

237

240

484

80%DH

86%ACD

78%

68%

77%

83%

83%AHJ

77%

83%

79%

78%

75%

80%

85%AL

80%

83%

80%

Reduced the number of credit cards or


store cards you use

Put more money aside in savings

Applied for other benefits

117

72

33

12

29

86

80

37

44

73

18

26

66

55

59

113

19%CHL

24%AC

14%

15%

16%

21%

23%AHJ

14%

23%H

18%H

19%

12%

21%L

22%L

19%

21%

19%

115

71

27

17

33

82

73

42

43

72

19

18

72

50

64

111

19%CL

24%AC

12%

21%C

18%

20%

21%

16%

22%

17%

15%

12%

14%

25%ALM

17%

22%

18%

90

34

49

42

45

45

45

35

55

29

25

30

78

10

87

15%BFNP

11%

22%ABD

8%

24%AF

11%

13%

17%J

18%G

13%

11%

19%N

20%N

10%

26%AP

4%

14%

Increased the amount of time you work

73

66

13

60

39

33

26

46

22

39

22

50

72

12%CDELO

22%ACD

3%

1%

7%

14%AE

11%

13%

13%

11%

15%

5%

18%AL

13%L

8%

17%AO

12%

Consolidated debts into more manageable


payments

Reduced the amount you pay off your


mortgage

Decreased the amount of time you work

Increased the number of credit cards or


store cards you use

Increased the amount you pay off your


mortgage

Paid off debts/overdraft

59

33

21

19

39

38

21

29

30

19

16

23

38

20

57

10%JP

11%

9%

6%

11%

9%

11%J

8%

15%AGHJ

7%

3%

12%

13%

8%

13%AP

7%

9%

22

15

14

13

15

18

13

21

4%

5%

2%

2%

3%

3%

4%

3%

3%

4%

4%

1%

1%

6%ALM

2%

5%

3%

21

13

14

17

11

10

12

12

19

3%HJ

3%

5%D

3%

3%

5%HJ

2%

6%H

2%

4%

2%

4%

4%

3%

4%

3%

20

16

14

13

11

13

11

19

3%C

5%AC

1%

1%

3%

3%

4%

2%

4%

3%

3%

1%

2%

4%

3%

4%

3%

15

11

11

13

12

10

15

3%L

4%

1%

2%

3%

3%

2%

3%

1%

3%

4%

2%

4%AL

1%

3%

2%
3

1%

1%

1%

1%

1%

1%

1%

1%

2%N

1%

Taken out insurance/ endowment

1%

1%

1%

1%

1%

1%

1%

Other change

11

11

2%

1%

3%

2%

3%

1%

2%

1%

2%

2%

2%

3%

1%

2%

2%

2%

11

11

10

12

2%B

5%ABD

3%

1%

2%

2%

1%

2%

3%

2%

4%N

1%

2%

1%

2%

None of the above

Don't know

49

22

19

18

29

17

33

46

23

16

24

17

49

8%BGINP

3%

10%B

24%ABC

10%

7%

5%I

13%AGI

2%

11%AGI

8%

15%AMN

5%

5%

8%

6%

8%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E7 Have the changes you made included any of the following?
Base: all those who have experienced a drop in income and made changes to the way they manage money as a result

Region

Total (A)

NorthEast (B)

NorthWest
(C)

Yorkshire
and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

East Anglia
(G)

Unweigh
ted total

Internet usage

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern Several times Once a day 2 to 5 times a Once a week


Ireland (M)
a day (N)
(O)
week (P)
or less (Q)

Unweighted total

603

24

70

49

53

50

42

50

80

80

26

62

17

417

92

19

75

603

Weighted total

610

21**

64*

51*

53*

44*

49*

48*

79*

85*

25**

56*

34**

426

91*

19**

73*

603

Cut back on spending

491

17

49

38

41

32

39

39

63

69

18

51

34

372

78

18

22

484

80%Q

79%

77%

75%

77%

73%

79%

80%

80%

82%

74%

90%ACDF

100%

87%AQ

86%Q

95%

30%

80%

Reduced the number of credit cards or


store cards you use

Put more money aside in savings

Applied for other benefits

Increased the amount of time you work

Consolidated debts into more manageable


payments

Reduced the amount you pay off your


mortgage

Decreased the amount of time you work

Increased the number of credit cards or


store cards you use

Increased the amount you pay off your


mortgage

Paid off debts/overdraft

117

11

10

12

15

14

18

10

95

20

113

19%Q

9%

17%

14%

19%

18%

17%

24%

18%

17%

8%

31%ADJ

31%

22%AQ

22%Q

11%

19%

115

13

14

12

12

19

11

10

90

20

111

19%Q

15%

20%

11%

13%

11%

29%DF

24%

16%

23%

11%

20%

31%

21%Q

22%Q

19%

3%

18%

90

11

11

16

72

15

87

15%IQ

9%

18%I

17%

17%

14%

16%

23%IL

7%

19%I

16%

8%

12%

17%AQ

16%Q

4%

4%

14%

73

12

13

11

57

13

72

12%Q

9%

10%

6%

8%

15%

24%ACDEL

18%

16%

13%

12%

6%

13%Q

14%Q

11%

12%

59

10

49

57

10%Q

14%

10%

4%

16%DI

4%

7%

16%DFI

5%

11%

16%

8%

12%

11%AQ

9%Q

11%

9%

22

19

21

4%

3%

2%

4%

6%

5%

7%

3%

3%

4%

2%

5%

4%

2%

1%

3%

21

17

19

3%

2%

8%F

2%

7%

2%

5%

4%

2%

6%

4%

5%

3%

20

18

19

3%

3%

4%

2%

10%AGI

2%

1%

3%

3%

5%

6%

4%

1%

1%

3%

15

14

15

3%

2%

2%

4%

4%

2%

2%

1%

3%

5%

5%

3%

1%

2%
3

1%

1%

3%A

1%

Taken out insurance/ endowment

2%

2%

3%

4%

1%

Other change

11

11

2%

3%

4%

2%

4%

4%

3%

1%

3%

11%

2%

11

12

2%

4%

4%

4%

2%

2%

4%

3%

2%

2%

4%

2%

None of the above

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E7 Have the changes you made included any of the following?
Base: all those who have experienced a drop in income and made changes to the way they manage money as a result

Region

Total (A)

NorthEast (B)

NorthWest
(C)

610

21**

64*

Weighted total
Don't know

Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)
51*

53*

44*

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

49*

48*

79*

85*

25**

56*

34**

426

91*

19**

73*

603

49

47

49

8%NO

4%

10%

11%

8%

14%G

3%

5%

11%

8%

11%

8%

1%

64%ANO

8%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E7 Have the changes you made included any of the following?
Base: all those who have experienced a drop in income and made changes to the way they manage money as a result

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

Unweighted total

603

330

11

13

27

603

Weighted total

610

319

12**

7**

13**

5**

2**

27**

603

Cut back on spending

491

250

16

484

80%

78%

73%

69%

54%

59%

60%

59%

80%

Reduced the number of credit cards or


store cards you use

Put more money aside in savings

Applied for other benefits

Increased the amount of time you work

Consolidated debts into more manageable


payments

Reduced the amount you pay off your


mortgage

Decreased the amount of time you work

Increased the number of credit cards or


store cards you use

Increased the amount you pay off your


mortgage

Paid off debts/overdraft

BME (H)

117

55

113

19%

17%

8%

8%

38%

11%

19%

115

53

111

19%

17%

38%

15%

19%

60%

15%

18%

90

44

87

15%

14%

17%

18%

9%

14%

73

32

72

12%

10%

14%

22%

21%

60%

22%

12%

59

30

57

10%

9%

18%

9%

22

21

4%

2%

8%

60%

4%

3%

21

19

3%

3%

8%

4%

3%

20

19

3%

2%

3%

15

11

15

3%

3%

2%
3

1%

1%

Taken out insurance/ endowment

10%

5%

Other change

11

11

2%

2%

16%

5%

6%

2%

11

12

2%

2%

8%

8%

4%

2%

49

42

49

8%

13%A

15%

23%

22%

40%

22%

8%

None of the above

Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E8 Are you still experiencing this drop in income?
Base: all who have experienced an unexpected large drop in income

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

1152

524

628

77

193

261

308

313

498

654

534

51

56

26

1152

Weighted total

1162

524

638

81*

222

267

323

270

511

651

540

55*

56*

27**

4**

7**

1152

Yes

854

376

479

52

154

189

260

200

370

484

402

31

39

17

854

74%DL

72%

75%

63%

69%

71%

81%ADEF

74%

72%

74%

74%L

57%

69%

62%

76%

89%

74%

291

143

148

28

66

73

60

64

135

156

130

22

17

10

282

25%G

27%

23%

35%AGH

30%G

27%G

18%

24%

26%

24%

24%

39%AK

31%

38%

24%

11%

24%

No

Prefer not to say

Don't know/no answer

17

11

11

16

1%

1%

2%

1%

1%

2%

1%

2%

1%

2%

1%

3%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E8 Are you still experiencing this drop in income?
Base: all who have experienced an unexpected large drop in income

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

1152

522

441

187

307

806

626

526

322

830

58

289

230

556

549

540

1152

Weighted total

1162

538

450

171

301

819

637

525

345

817

62*

282

237

562

548

550

1152

Yes

854

368

371

115

236

588

457

397

256

598

40

231

172

398

440

371

854

74%BDFP

68%

82%ABD

67%

78%AF

72%

72%

76%

74%

73%

63%

82%AKMN

73%

71%

80%AP

68%

74%

291

161

76

53

62

222

172

119

86

205

21

49

59

156

103

172

282

25%CELO

30%AC

17%

31%C

20%

27%AE

27%

23%

25%

25%

33%L

17%

25%L

28%AL

19%

31%AO

24%

No

Prefer not to say

Don't know/no answer

17

14

16

1%

2%

1%

2%

1%

1%

1%

2%

1%

2%

4%

1%

2%

1%

1%

1%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


E8 Are you still experiencing this drop in income?
Base: all who have experienced an unexpected large drop in income

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

1152

47

140

95

99

Weighted total

1162

42*

127

100*

Yes

854

28

106

69

74%

67%

84%ABDGIJ

291

13

21

25%C

30%C

16%

No

Prefer not to say

Don't know/no answer

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

86

97

93

155

158

48

109

25

771

182

39

160

1152

101*

76*

112*

91*

152

169

45*

98

49**

786

180

40*

157

1152

74

61

80

70

104

120

33

72

36

572

137

30

116

854

70%

74%

81%I

71%

78%

68%

71%

73%

73%

73%

73%

76%

75%

74%

74%

27

26

15

31

19

44

47

11

25

12

203

41

38

282

27%C

26%

19%

28%C

21%

29%C

28%C

25%

26%

23%

26%

23%

23%

24%

24%

17

11

16

1%

3%C

3%

1%

1%

2%

2%

2%

1%

4%

1%

1%

2%

2%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E8 Are you still experiencing this drop in income?
Base: all who have experienced an unexpected large drop in income

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

1152

619

33

14

29

11

60

1152

Weighted total

1162

599

34*

14**

29**

12**

6**

61*

1152

Yes

854

444

22

11

23

10

48

854

74%

74%

63%

78%

79%

82%

66%

78%

74%

291

150

13

12

282

25%

25%

37%

14%

21%

18%

34%

20%

24%

No

Prefer not to say

Don't know/no answer

17

16

1%

1%

8%

2%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E9 For how long have you had this drop in income?
Base: all those who are still experiencing a drop in income

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

854

382

472

50

133

185

249

237

362

492

401

29

39

16

854

Weighted total

854

376

479

52*

154

189

260

200

370

484

402

31**

39*

17**

3**

6**

854

Less than a month

29

14

15

10

21

12

29

3%

4%

3%

8%EH

1%

4%

4%

2%

2%

4%

3%

3%

20%

3%

More than one month but less than three


months

More than three months but less than six


months

More than six months but less than twelve


months

Twelve months or more

Can't remember

Prefer not to say

Don't know/no answer

Less than three months

More than six months

50,000+ (P)

73

34

39

15

16

18

15

25

48

36

71

8%

9%

8%

18%AGH

10%

8%

7%

7%

7%

10%

9%

6%

6%

8%

94

42

51

13

17

24

21

18

40

53

49

91

11%

11%

11%

26%AEFGH

11%

13%

8%

9%

11%

11%

12%

3%

5%

11%

36%

11%

161

66

95

34

47

44

28

69

92

79

158

19%H

18%

20%

15%

22%

25%AGH

17%

14%

19%

19%

20%

29%

16%

30%

33%

19%

478

210

268

17

80

89

164

128

224

254

216

18

30

484

56%DFJ

56%

56%

33%

52%D

47%

63%ADEF

64%ADEF

60%AJ

53%

54%

58%

79%AK

52%

64%

47%

57%

17

13

18

2%

2%

2%

3%

3%

1%

3%

1%

3%

2%

2%

1%

102

48

54

13

18

24

28

19

33

69

48

100

12%IM

13%

11%

26%AEFGH

11%

13%

11%

10%

9%

14%AI

12%M

9%

6%

20%

12%

639

276

363

25

113

136

208

156

292

346

295

28

37

14

642

75%DJ

73%

76%

48%

74%D

72%D

80%AD

78%D

79%AJ

71%

73%

88%

95%AK

83%

64%

80%

75%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E9 For how long have you had this drop in income?
Base: all those who are still experiencing a drop in income

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Total (A)

Working (B)

Not working
(C)

Owner (N)

Yes (O)

No (P)

Unweighted total

854

362

362

129

243

582

453

401

238

616

37

237

169

398

441

370

854

Weighted total

854

368

371

115

236

588

457

397

256

598

40*

231

172

398

440

371

854

Less than a month

29

18

15

13

10

20

20

15

20

29

3%FGN

2%

5%

2%

6%AF

2%

2%

5%AGJ

4%

3%

8%N

6%AN

4%N

1%

5%

2%

3%

More than one month but less than three


months

More than three months but less than six


months

More than six months but less than twelve


months

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

73

31

32

10

17

55

37

36

27

46

19

17

33

38

30

71

8%

8%

9%

8%

7%

9%

8%

9%

10%

8%

8%

8%

10%

8%

9%

8%

8%

94

37

44

12

27

64

48

45

27

67

26

25

34

50

41

91

11%N

10%

12%

11%

11%

11%

11%

11%

10%

11%

18%

11%

15%N

9%

11%

11%

11%

161

71

74

14

41

112

96

65

52

109

10

45

38

66

91

62

158

19%D

19%

20%

12%

18%

19%

21%

16%

20%

18%

25%

19%

22%

17%

21%

17%

19%

478

214

190

74

131

331

260

218

138

340

16

120

80

253

231

224

484

56%CMO

58%

51%

64%AC

56%

56%

57%

55%

54%

57%

42%

52%

46%

64%AKLM

53%

60%AO

57%

17

11

12

12

13

10

18

2%

1%

3%

2%

2%

2%

1%

3%

2%

2%

2%

2%

2%

2%

2%

2%

1%

102

40

50

12

31

68

47

55

36

66

34

25

37

58

38

100

12%N

11%

14%

10%

13%

12%

10%

14%J

14%G

11%

16%

15%

14%

9%

13%

10%

12%

639

286

264

88

172

443

356

283

190

449

26

165

118

320

322

285

642

75%CHM

78%

71%

77%

73%

75%

78%AH

71%

74%

75%H

66%

71%

69%

80%ALM

73%

77%

75%

Twelve months or more

Can't remember

Prefer not to say

Don't know/no answer

Less than three months

More than six months

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


E9 For how long have you had this drop in income?
Base: all those who are still experiencing a drop in income

Region

Total (A)

NorthEast (B)

NorthWest
(C)

Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

East Anglia
(G)

Unweigh
ted total

Internet usage

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

Unweighted total

854

32

118

66

73

68

70

72

107

113

35

82

18

563

142

29

120

854

Weighted total

854

28*

106

69*

74*

61*

80*

70*

104

120

33*

72*

36**

572

137

30**

116

854

Less than a month

29

12

29

3%N

7%L

2%

4%

3%

9%ACL

6%L

3%

4%

3%

5%L

2%

6%AN

7%AN

3%

More than one month but less than three


months

More than three months but less than six


months

More than six months but less than twelve


months

Twelve months or more

73

12

10

10

51

13

71

8%

13%

11%

10%

3%

9%

13%EI

8%

4%

9%

19%AEIL

4%

11%

9%

10%

6%

6%

8%

94

13

13

12

70

14

91

11%

6%

7%

11%

8%

9%

16%

19%ACI

8%

10%

14%

13%

15%

12%

10%

6%

6%

11%

161

17

14

15

12

12

30

22

11

118

20

19

158

19%L

18%

16%

20%

20%L

14%

16%

17%

29%ACFGL

18%

26%L

8%

29%

21%

14%

13%

16%

19%

478

15

65

38

48

33

40

36

56

67

11

52

16

311

78

22

67

484

56%K

54%

61%K

55%

64%K

54%

50%

52%

54%K

56%K

34%

72%ADFGH

44%

54%

57%

75%

58%

57%

17

18

2%N

3%

3%

2%

1%

4%

2%

2%

3%

2%

2%

1%

3%

6%AN

2%

1%

1%

1%

1%

102

13

11

15

14

63

22

15

100

12%L

19%EL

13%L

13%L

6%

18%EL

18%EIL

11%

8%

11%

24%AEIL

4%

11%

11%

16%

6%

13%

12%

639

20

82

52

63

42

53

48

85

89

20

58

27

429

98

26

86

642

75%K

72%

77%

74%

85%AFGHK

69%

66%

69%

82%FGHK

74%

60%

81%GK

74%

75%

71%

87%

74%

75%

IJK
Can't remember

Prefer not to say

Don't know/no answer

Less than three months

More than six months

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E9 For how long have you had this drop in income?
Base: all those who are still experiencing a drop in income

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

Unweighted total

854

461

21

11

23

47

854

Weighted total

854

444

22**

11**

23**

10**

4**

48*

854

Less than a month

29

18

29

3%

4%

5%

11%

4%

26%

7%

3%

More than one month but less than three


months

More than three months but less than six


months

More than six months but less than twelve


months

Twelve months or more

Can't remember

Prefer not to say

Don't know/no answer

Less than three months

More than six months

BME (H)

73

28

71

8%B

6%

11%

17%

10%

9%

29%

13%

8%

94

44

91

11%H

10%

9%

7%

2%

11%

161

66

12

158

19%B

15%

31%

35%

14%

37%

27%

25%

19%

478

275

15

24

484

56%

62%A

35%

30%

63%

54%

18%

50%

57%

17

12

18

2%

3%

9%

8%

4%

2%

102

46

100

12%

10%

16%

27%

14%

9%

54%

20%

12%

639

342

14

18

36

642

75%

77%

66%

65%

78%

91%

46%

75%

75%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E10 For how long did you experience this drop in income?
Base: all those who experienced a drop in income in the past

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

282

137

145

26

58

72

56

70

130

152

125

21

17

10

282

Weighted total

291

143

148

28**

66*

73*

60*

64*

135

156

130

22**

17**

10**

1**

1**

282

Less than a month

17

11

11

16

6%

7%

4%

7%

6%

6%

4%

7%

4%

7%

5%

6%

11%

6%

More than one month but less than three


months

More than three months but less than six


months

More than six months but less than twelve


months

Twelve months or more

Can't remember

Prefer not to say

Don't know/no answer

Less than three months

Six months or more

50,000+ (P)

36

18

17

10

15

18

18

11

34

12%H

13%

12%

8%

15%H

20%AH

13%H

2%

13%

11%

8%

32%

16%

21%

100%

12%

49

21

28

10

16

23

26

18

49

17%

15%

19%

26%

15%

22%

14%

11%

17%

17%

14%

14%

11%

18%

100%

17%

65

33

33

19

16

14

33

32

26

65

22%H

23%

22%

27%

28%H

22%

24%

13%

25%

21%

20%

15%

32%

21%

23%

98

47

51

20

20

26

25

46

52

51

95

34%

33%

35%

23%

31%

27%

44%

39%

34%

33%

39%

33%

29%

29%

34%

19

13

11

14

17

6%F

7%

6%

8%

2%

1%

2%

20%AEFG

5%

7%

11%A

6%

1%

1%

1%

3%

1%

1%

1%

11%

1%

1%

2%

1%

6%AEF

1%

2%

3%

1%

53

29

23

13

19

10

24

29

18

50

18%H

20%

16%

15%

20%

26%H

16%

10%

17%

19%

14%

39%

27%

21%

100%

18%

163

80

84

14

39

36

41

34

79

84

77

10

11

160

56%

56%

57%

50%

59%

49%

68%AF

53%

59%

54%

59%

47%

61%

50%

57%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E10 For how long did you experience this drop in income?
Base: all those who experienced a drop in income in the past

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Total (A)

Working (B)

Not working
(C)

Owner (N)

Yes (O)

No (P)

Unweighted total

282

152

75

54

60

216

166

116

81

201

19

50

57

151

103

163

282

Weighted total

291

161

76*

53*

62*

222

172

119

86*

205

21**

49*

59*

156

103

172

282

Less than a month

17

15

10

11

10

11

16

6%

6%

5%

7%

3%

7%

6%

5%

6%

6%

10%

6%

2%

6%

4%

6%

6%

More than one month but less than three


months

More than three months but less than six


months

More than six months but less than twelve


months

Twelve months or more

Can't remember

Prefer not to say

Don't know/no answer

Less than three months

Six months or more

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

36

27

27

24

12

12

24

17

14

22

34

12%D

17%AD

11%D

15%

12%

14%

10%

14%

12%

26%

15%

11%

11%

13%

13%

12%

49

31

14

12

37

27

22

17

32

13

22

16

32

49

17%D

19%D

18%

7%

20%

17%

16%

18%

19%

16%

23%

18%

22%

14%

16%

18%

17%

65

36

22

19

44

39

26

22

44

11

16

31

30

33

65

22%

22%

29%D

14%

31%

20%

23%

22%

25%

21%

26%

23%

28%

20%

29%

19%

23%

98

54

24

20

18

79

60

39

29

69

16

19

58

35

55

95

34%

33%

32%

39%

29%

36%

35%

32%

34%

34%

15%

32%

33%

37%

34%

32%

34%

19

13

14

10

17

14

12

17

6%BI

1%

4%

25%ABC

2%

6%

6%I

7%

1%

8%AI

3%

2%

9%

4%

7%

6%

1%

2%

2%

1%

3%G

2%

4%

1%

1%

1%

1%

1%

8%ABC

2%

1%

2%

2%

3%

2%

2%

1%

53

36

13

11

42

35

18

17

36

10

27

17

33

50

18%D

22%D

17%

7%

18%

19%

20%

15%

20%

17%

36%

21%

13%

17%

17%

19%

18%

163

90

46

28

36

124

99

65

51

113

27

36

89

64

88

160

56%

55%

61%

53%

59%

56%

58%

54%

60%

55%

41%

55%

60%

57%

63%

51%

57%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E10 For how long did you experience this drop in income?
Base: all those who experienced a drop in income in the past

Region

Total (A)

NorthEast (B)

NorthWest
(C)

Yorkshire
and
Humberside
(D)

West
East
Midlands (E) Midlands (F)

East Anglia
(G)

Unweigh
ted total

Internet usage

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

Unweighted total

282

14

22

26

26

18

26

20

44

42

12

26

198

38

37

282

Weighted total

291

13**

21**

27**

26**

15**

31**

19**

44*

47*

11**

25**

12**

203

41*

9**

38*

282

Less than a month

17

16

6%N

13%

11%

4%

8%

2%

12%

4%

3%

13%N

24%

11%N

6%

More than one month but less than three


months

More than three months but less than six


months

More than six months but less than twelve


months

Twelve months or more

Can't remember

Prefer not to say

Don't know/no answer

Less than three months

Six months or more

36

24

34

12%

22%

10%

11%

12%

7%

16%

10%

20%J

5%

18%

7%

17%

12%

21%

11%

6%

12%

49

37

49

17%

13%

24%

31%

7%

5%

24%

14%

17%

9%

31%

22%

18%

15%

25%

9%

17%

65

15

57

65

22%Q

35%

13%

28%

27%

25%

8%

10%

20%

33%

17%

35%

28%AOQ

12%

11%

8%

23%

98

11

14

14

70

13

14

95

34%

30%

36%

19%

32%

53%

37%

48%

32%

30%

16%

28%

70%

34%

31%

19%

38%

34%

19

17

6%N

4%

13%

10%

7%

5%

5%

5%

18%

5%

14%

5%

6%

18%AN

6%

1%

4%

6%

3%

1%

3%

11%

1%

1%

7%

3%

3%

11%ANO

1%

53

10

29

14

50

18%N

22%

23%

22%

16%

7%

24%

10%

22%

17%

18%

11%

17%

14%

34%AN

35%

16%

18%

163

10

13

16

12

14

11

23

29

16

126

17

17

160

56%

65%

50%

47%

60%

78%

45%

58%

52%

63%

33%

63%

70%

62%AO

42%

30%

45%

57%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E10 For how long did you experience this drop in income?
Base: all those who experienced a drop in income in the past

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

Unweighted total

282

152

12

12

282

Weighted total

291

150

13**

2**

6**

2**

2**

12**

282

Less than a month

17

16

6%

4%

15%

52%

17%

6%

More than one month but less than three


months

More than three months but less than six


months

More than six months but less than twelve


months

Twelve months or more

Can't remember

Prefer not to say

Don't know/no answer

Less than three months

Six months or more

BME (H)

36

15

34

12%

10%

10%

54%

18%

17%

12%

49

22

49

17%

15%

16%

30%

15%

17%

65

36

65

22%

24%

16%

46%

20%

48%

25%

23%

98

55

95

34%

37%

32%

17%

100%

25%

34%

19

11

17

6%

7%

17%

6%

1%

1%

9%

1%

1%

3%

1%

53

21

50

18%

14%

10%

54%

33%

52%

34%

18%

163

91

160

56%

61%

48%

46%

37%

48%

100%

51%

57%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E12 What was this major expense?
Base: all those who had a large expenditure in the past 3 years

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

645

329

316

59

95

117

104

270

382

263

278

46

46

22

645

Weighted total

633

322

311

64*

107*

119

112*

230

371

261

267

47*

49*

23**

6**

5**

645

Home improvements/ decorating

101

54

47

12

20

57

61

40

43

11

107

16%DEF

17%

15%

5%

8%

10%

18%D

25%ADEF

16%

15%

16%

23%

13%

25%

39%

17%

New car

Car expense (e. g. car repairs, car tax,


MOT)

New boiler

Moving house

Wedding

Health/dental costs

Holiday/travel

Funeral costs

Helping family member/ friends

New white goods

Buying/renting property

Vet bills/animal health

University/student fees

Large/unexpected bills

50,000+ (P)

98

51

47

25

25

11

28

57

41

33

13

14

100

15%H

16%

15%

15%

23%AGH

21%GH

10%

12%

15%

16%

13%

28%AK

28%AK

27%

20%

16%

68

36

31

12

13

13

22

42

25

32

70

11%

11%

10%

19%AG

12%

11%

6%

10%

11%

10%

12%

7%

10%

12%

15%

23%

11%

61

35

26

13

11

27

41

20

24

66

10%D

11%

8%

1%

8%

11%D

10%D

12%D

11%

8%

9%

8%

13%

13%

12%

10%

30

14

16

20

10

10

30

5%H

4%

5%

3%

7%H

7%H

5%

3%

5%

4%

4%

7%

12%

5%

21

12

11

15

23

3%

4%

3%

2%

4%

1%

4%

5%

4%

2%

3%

8%

2%

19%

4%

19

11

15

18

3%JK

3%

2%

2%

2%

3%

8%AH

2%

4%

1%

1%

2%

6%K

10%

16%

23%

3%

17

10

16

3%H

3%

3%

6%H

4%

2%

4%

1%

3%

3%

2%

4%

2%

12%

2%

17

11

17

3%

2%

3%

1%

8%ADEF

3%

2%

3%

2%

2%

3%

17

14

18

3%J

2%

3%

2%

3%

2%

4%

4%AJ

1%

2%

7%

3%

15

10

10

16

2%

1%

3%

1%

2%

2%

4%A

2%

3%

3%

2%

2%

15

11

15

2%B

1%

4%B

8%AFGH

3%

1%

1%

2%

2%

3%

3%

4%

2%

13

11

11

2%B

1%

3%AB

7%AH

1%

2%

2%

1%

2%

2%

4%A

2%

11

2%BH

1%

3%

12%AEFGH

1%

2%H

1%

2%

2%

2%

2%

1%

11

10

2%I

1%

2%

2%

5%AH

2%

1%

1%

1%

3%I

1%

4%

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E12 What was this major expense?
Base: all those who had a large expenditure in the past 3 years

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Weighted total

633

322

311

64*

107*

119

112*

230

371

261

267

47*

49*

23**

6**

5**

New TV/computer

10

2%

1%

2%

4%

1%

2%

2%

2%

2%

2%

1%

Building works/extension

Personal purchases

New baby

Cost of living

Tax bill

Flood damage

Other

Prefer not to say

Don't know/no answer

645

1%C

2%C

2%

1%

3%

1%

1%

1%

2%

1%

1%

1%

1%

1%

1%

2%

1%

2%

1%

1%

2%

1%

1%BI

2%

6%AFGH

2%H

1%

1%

2%

2%

4%

1%

1%

1%

1%

3%A

1%

2%AI

2%A

1%

1%

1%

1%

2%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

2%

1%

33

17

15

13

20

18

31

5%I

5%

5%

5%

7%

6%

6%

3%

3%

8%AI

7%

6%

6%

4%

5%

71

42

29

20

13

23

35

37

23

74

11%

13%

9%

12%

8%

17%AE

11%

10%

9%

14%

9%

7%

5%

4%

45%

11%

13

12

2%

2%

2%

3%

3%

1%

3%

2%

2%

3%

2%

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E12 What was this major expense?
Base: all those who had a large expenditure in the past 3 years

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

645

275

134

236

109

520

412

233

133

512

43

74

98

414

184

434

645

Weighted total

633

290

139

203

104

513

395

237

140

493

47*

74*

104*

391

185

421

645

Home improvements/ decorating

101

40

53

22

78

72

29

14

87

90

12

86

107

16%CHIKLM

14%C

6%

26%ABC

21%

15%

18%AHI

12%

10%

18%AHI

5%

4%

23%AKLM

6%

20%AO

17%

O
New car

Car expense (e. g. car repairs, car tax, MOT)

New boiler

98

59

15

23

11

86

59

39

27

71

13

19

61

30

63

100

15%DL

20%ACD

11%

11%

10%

17%

15%

17%

19%

14%

27%AL

7%

18%L

16%L

16%

15%

16%

68

32

14

22

60

44

24

21

47

14

37

24

39

70

11%

11%

10%

11%

6%

12%

11%

10%

15%

10%

19%

7%

14%

10%

13%

9%

11%

61

28

26

55

52

17

44

58

14

46

66

10%CHKLM

10%

5%

13%C

5%

11%

13%AHJ

4%

12%H

9%H

2%

1%

15%AKLM

7%

11%

10%

Moving house

Wedding

Health/dental costs

Holiday/travel

Funeral costs

Helping family member/ friends

New white goods

Buying/renting property

Vet bills/animal health

University/student fees

Large/unexpected bills

30

11

12

22

20

10

22

10

12

10

18

30

5%N

4%

9%AD

3%

7%

4%

5%

4%

6%

4%

2%

9%N

10%AN

3%

6%

4%

5%

21

12

20

19

21

15

19

23

3%HI

4%

2%

4%

2%

4%

5%AHI

1%

4%AHI

6%L

4%

2%

4%

4%

19

13

17

12

11

15

12

18

3%D

5%AD

2%

1%

1%

3%

3%

3%

5%

2%

3%

4%

4%

4%

3%

3%

17

11

14

16

3%N

2%

5%AB

2%

5%

2%

2%

4%

2%

3%

9%AN

4%

3%

2%

4%

2%

2%

17

13

10

14

10

17

3%G

2%

2%

3%

4%

2%

2%

4%

2%

3%

7%AN

2%

2%

4%

2%

3%

17

16

10

15

11

14

18

3%

2%

2%

4%

1%

3%

3%

3%

2%

3%

2%

1%

4%

3%

1%

3%

3%

15

12

13

16

2%

1%

3%

4%

3%

2%

2%

3%

1%

3%

10%AKMN

2%

4%

2%

2%

15

13

12

11

15

2%

2%

5%

1%

1%

3%

2%

3%

2%

2%

3%

6%AN

1%

1%

3%

2%

13

12

11

2%F

2%

3%

1%

5%AF

1%

2%

2%

1%

2%

4%

3%

2%

3%

2%

2%

11

11

2%GN

2%

5%AD

3%

1%

1%

4%AGI

2%G

13%ALMN

2%

1%

2%

2%

1%

11

10

10

2%JNP

2%

2%

1%

2%

1%

2%

4%GJ

1%

4%N

3%

4%N

1%

4%AP

1%

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


E12 What was this major expense?
Base: all those who had a large expenditure in the past 3 years

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Total (A)

Working (B)

Not working
(C)

Weighted total

633

290

139

203

104

513

395

237

140

493

47*

74*

104*

391

185

421

New TV/computer

10

10

10

2%FGN

1%

4%AB

1%

5%AF

1%

4%AGIJ

2%G

7%AMN

5%AN

1%

3%

1%

1%

Building works/extension

Personal purchases

New baby

Cost of living

Tax bill

Flood damage

Other

Prefer not to say

Don't know/no answer

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

1%

2%

1%

2%

1%

2%

1%

1%

2%

1%

2%

2%

1%

2%

1%

1%

1%

2%

2%

3%

1%

1%

1%

1%

1%

2%

2%

2%

1%

1%

1%JNP

1%

2%D

1%

1%

2%J

5%AGJ

4%N

2%N

4%AN

4%AP

1%

1%FGP

3%ABD

2%F

2%G

1%G

4%AMN

2%P

1%

1%

1%

2%

2%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%P

1%

1%

1%

1%

1%

1%

1%

1%

2%P

1%

33

20

24

18

14

23

15

10

14

18

31

5%DN

7%D

6%D

2%

8%

5%

5%

6%

7%

5%

8%

5%

14%AN

3%

8%

4%

5%

71

38

15

19

12

55

47

24

16

56

13

13

37

16

48

74

11%

13%

11%

9%

12%

11%

12%

10%

11%

11%

7%

17%

13%

9%

8%

11%

11%

13

13

10

12

2%G

1%

2%

3%

2%

1%

4%AG

2%

2%G

4%

4%M

1%

3%

1%

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base

645

Money Advice Service - Financial Capability Tracker Survey - FINAL


E12 What was this major expense?
Base: all those who had a large expenditure in the past 3 years

Region

Total (A)

NorthEast (B)

NorthWest
(C)

Yorkshire
and
Humberside
(D)

West
Midlands (E)

East
Midlands (F)

East Anglia
(G)

Unweigh
ted total

Internet usage

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

Unweighted total

645

25

79

55

42

60

60

60

97

81

28

45

13

456

98

27

64

645

Weighted total

633

22**

70*

56*

41*

50*

70*

57*

92*

82*

26**

40*

26**

451

92*

26**

63*

645

Home improvements/ decorating

101

18

13

10

67

15

14

107

16%

33%

26%AGIJ

15%

14%

17%

11%

16%

14%

12%

3%

13%

23%

15%

16%

22%

22%

17%

New car

98

10

17

10

26

77

14

100

15%J

7%

15%

11%

9%

10%

24%J

17%

28%ACDEFJ

7%

28%

10%

7%

17%

15%

12%

7%

16%

68

14

13

51

11

70

11%

9%

10%

14%L

10%

10%

5%

25%ACFGJ

14%JL

5%

19%

2%

11%

12%

7%

6%

11%

61

11

12

49

66

10%DL

8%

15%DL

1%

7%

24%ADEIJ

12%DL

13%DL

9%L

8%

4%

7%

11%

8%

9%

4%

10%

30

24

30

5%

5%

1%

10%

8%

4%

7%

3%

4%

7%

2%

7%

5%

6%Q

5%

21

14

23

3%

2%

4%

5%

5%

5%

1%

4%

4%

4%

3%

3%

8%

4%

4%

L
Car expense (e. g. car repairs, car tax, MOT)

L
New boiler

L
Moving house

Wedding

Health/dental costs

Holiday/travel

Funeral costs

Helping family member/ friends

New white goods

Buying/renting property

Vet bills/animal health

University/student fees

19

15

18

3%

4%

1%

5%

2%

4%

2%

3%

4%

3%

5%

8%

3%

1%

3%

3%

3%

17

15

16

3%

5%

1%

2%

3%

4%

1%

3%

4%

4%

8%

3%

1%

4%

2%

17

11

17

3%

2%

3%

2%

2%

2%

2%

2%

3%

8%A

8%

2%

2%

4%

5%

3%

17

13

18

3%

8%

1%

3%

1%

3%

5%

3%

1%

4%

8%

3%

4%

3%

15

16

2%N

1%

5%

5%

1%

2%

3%

2%

4%

5%

2%

4%

7%AN

2%

15

12

15

2%

3%

1%

2%

1%

4%

5%

1%

7%AH

3%

1%

3%

2%

13

11

2%

4%I

2%

4%

1%

1%

4%

2%

8%

2%

1%

5%

2%

11

10

2%

3%

3%

6%AC

8%

2%

1%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E12 What was this major expense?
Base: all those who had a large expenditure in the past 3 years

Region

Total (A)

NorthWest
NorthEast (B)
(C)

Yorkshire
and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern Several times Once a day 2 to 5 times a Once a week


Ireland (M)
a day (N)
(O)
week (P)
or less (Q)

Weighted total

633

22**

70*

56*

41*

50*

70*

57*

92*

82*

26**

40*

26**

451

92*

26**

63*

Large/unexpected bills

11

10

2%

1%

3%

1%

1%

1%

4%

7%ADGI

7%

1%

4%

7%

2%

New TV/computer

Building works/extension

Personal purchases

New baby

Cost of living

Tax bill

Flood damage

Other

Prefer not to say

Don't know/no answer

645

10

2%

3%

1%

3%

1%

1%

5%

7%

2%

3%

1%

1%

6%ACI

2%

1%

2%

3%

1%

4%

1%

1%

2%

5%AC

2%

1%

3%

2%

2%

1%

1%

4%

2%

2%

4%

1%

2%

1%

4%

1%

1%N

3%

2%

3%A

3%N

3%N

1%

1%

1%

5%AI

2%

2%

1%

1%

1%

1%

2%

5%AIJ

1%

3%

1%

33

11

21

31

5%

5%

2%

12%ACEFH

4%

6%

13%ACEFH

12%

4%

5%

3%

13%ANO

5%

71

17

48

13

74

11%I

18%

8%

12%

23%ACFGI

5%

7%

12%

5%

20%ACFGI

10%

15%I

8%

11%

14%

19%

9%

11%

13

12

2%N

6%AJ

7%AJ

4%

2%

1%

3%

1%

1%

4%

10%ANO

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E12 What was this major expense?
Base: all those who had a large expenditure in the past 3 years

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

Unweighted total

645

385

30

15

25

645

Weighted total

633

359

32**

4**

15**

4**

2**

26**

645

Home improvements/ decorating

101

67

107

16%

19%A

8%

24%

14%

17%

New car

Car expense (e. g. car repairs, car tax,


MOT)

New boiler

Moving house

Wedding

Health/dental costs

Holiday/travel

Funeral costs

Helping family member/ friends

New white goods

Buying/renting property

Vet bills/animal health

University/student fees

Large/unexpected bills

New TV/computer

BME (H)

98

54

100

15%

15%

20%

7%

25%

8%

16%

68

36

70

11%

10%

12%

48%

8%

11%

61

42

66

10%

12%A

3%

10%

30

13

30

5%

4%

14%

29%

8%

10%

5%

21

13

23

3%

3%

6%

6%

3%

4%

19

18

3%

2%

3%

7%

4%

3%

17

10

16

3%

3%

21%

12%

2%

17

13

17

3%

4%

3%

17

18

3%

2%

3%

15

11

16

2%

3%

3%

2%

15

15

2%

2%

4%

6%

4%

2%

13

11

2%

2%

2%

11

2%B

1%

4%

26%

4%

1%

11

10

2%

1%

59%

5%

2%

10

2%

2%

25%

4%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E12 What was this major expense?
Base: all those who had a large expenditure in the past 3 years

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

633

359

32**

4**

15**

4**

2**

26**

Weighted total
Building works/extension

Personal purchases

New baby

Cost of living

Tax bill

Flood damage

Other

Prefer not to say

Don't know/no answer

645

1%

2%

3%

1%

1%

1%

1%

1%B

3%

1%

1%

1%

1%

1%

1%

4%

1%

1%

1%

1%

33

16

31

5%

4%

7%

27%

16%

5%

71

31

74

11%B

9%

10%

19%

27%

41%

11%

11%

13

12

2%

2%

3%

6%

4%

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E13 How did you find the money to pay for this?
Base: all those who had a large expenditure in the past 3 years

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

645

329

316

59

95

117

104

270

382

263

278

46

46

22

645

Weighted total

633

322

311

64*

107*

119

112*

230

371

261

267

47*

49*

23**

6**

5**

645

Drew money from a savings account

307

155

152

22

33

50

53

149

207

100

130

25

20

14

321

49%DEJ

48%

49%

34%

30%

42%

48%E

65%ADEFG

56%AJ

38%

49%

52%

40%

61%

70%

59%

50%

Cut back on spending

Drew money from a current account


(excluding any overdraft facility)

Family/friends gave me money to help out

Used a credit card, store card or overdraft

Borrowed money from family/friends

Took out a loan including Social Fund loan

Got a job/got a second job/worked


additional hours in existing job

Claimed on an insurance policy

Sold items

Sold shares/withdrew from investments

Took out a new/larger mortgage

Early pension pay-out

Another way

50,000+ (P)

103

53

50

17

30

23

23

12

53

50

40

11

12

99

16%H

17%

16%

26%H

28%AH

19%H

20%H

5%

14%

19%

15%

23%

23%

39%

15%

90

54

36

13

23

14

31

52

38

30

91

14%

17%

12%

21%G

21%AG

12%

8%

13%

14%

15%

11%

14%

12%

12%

12%

38%

14%

82

36

45

18

24

21

14

38

44

34

77

13%HI

11%

15%

28%AGH

22%AH

18%H

12%H

2%

10%

17%AI

13%

11%

8%

18%

12%

74

31

43

17

20

13

16

41

33

35

73

12%H

10%

14%

13%

16%H

17%H

11%

7%

11%

13%

13%

13%

13%

10%

16%

11%

62

20

42

13

15

23

28

34

28

59

10%BHI

6%

13%AB

20%AGH

14%H

19%AGH

8%H

1%

8%

13%AI

10%

11%

10%

4%

9%

58

25

33

10

15

12

12

29

28

20

10

58

9%H

8%

11%

15%H

14%H

10%

7%

5%

8%

11%

7%

16%

21%AK

9%

43%

9%

28

12

16

13

15

26

4%H

4%

5%

13%AFGH

8%H

4%H

4%H

1%

3%

6%

3%

4%

9%

4%

12

11

12

2%J

2%

2%

3%

2%

3%

2%

1%

3%AJ

2%

2%

4%

2%

1%

1%

1%

1%

2%

1%

1%

1%

2%K

2%K

1%

1%

1%

1%

1%

1%

13%

1%

1%

1%

2%

1%

1%

2%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

3%

2%

1%

2%

2%

2%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E13 How did you find the money to pay for this?
Base: all those who had a large expenditure in the past 3 years

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

633

322

311

64*

107*

119

112*

230

371

261

267

47*

49*

23**

6**

5**

645

1%I

1%

2%

2%

1%

2%I

2%

1%

10

10

2%

2%

2%

2%

1%

1%

3%A

1%

3%

3%

2%

1%

1%

2%

1%

1%

1%

1%

Weighted total
I could not find the money/I haven't paid
for it yet

Prefer not to say

Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E13 How did you find the money to pay for this?
Base: all those who had a large expenditure in the past 3 years

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

645

275

134

236

109

520

412

233

133

512

43

74

98

414

184

434

645

Weighted total

633

290

139

203

104

513

395

237

140

493

47*

74*

104*

391

185

421

645

Drew money from a savings account

307

127

47

134

46

254

207

100

51

256

18

16

37

226

65

232

321

49%BCHILM

44%

34%

66%ABC

44%

49%

52%AHI

42%

36%

52%AHI

38%L

21%

36%L

58%AKLM

35%

55%AO

50%

O
Cut back on spending

103

64

29

10

13

86

56

47

27

77

13

13

31

44

40

56

99

16%DNP

22%AD

21%D

5%

13%

17%

14%

20%J

19%

16%

27%N

18%

29%AN

11%

22%AP

13%

15%

Drew money from a current account


(excluding any overdraft facility)

Family/friends gave me money to help out

Used a credit card, store card or overdraft

90

42

20

28

17

69

51

39

18

73

11

12

18

47

24

63

91

14%N

15%

14%

14%

16%

13%

13%

16%

13%

15%

23%N

16%

18%

12%

13%

15%

14%

82

49

31

11

69

48

33

27

54

13

18

41

30

47

77

13%DJN

17%AD

22%AD

1%

11%

13%

12%

14%

20%AGJ

11%

27%AN

13%

17%

10%

16%

11%

12%

74

42

18

13

11

61

48

25

26

47

12

20

37

33

38

73

12%DJNP

15%D

13%D

6%

10%

12%

12%J

11%

19%AGHJ

10%

6%

16%

19%AN

10%

18%AP

9%

11%

Borrowed money from family/friends

62

36

24

11

50

34

28

26

36

10

12

22

18

30

30

59

10%DJNP

13%D

17%AD

1%

11%

10%

9%

12%J

19%AGJ

7%

22%AN

16%N

21%AN

4%

16%AP

7%

9%

Took out a loan including Social Fund loan

Got a job/got a second job/worked


additional hours in existing job

Claimed on an insurance policy

Sold items

Sold shares/withdrew from investments

Took out a new/larger mortgage

Early pension pay-out

Another way

58

34

14

10

14

44

32

25

10

47

11

30

18

38

58

9%D

12%D

10%

5%

13%

9%

8%

11%

7%

10%

17%N

12%

11%

8%

10%

9%

9%

28

17

25

11

16

22

12

11

16

26

4%DGN

6%D

7%D

1%

3%

5%

3%

7%AGJ

4%

4%G

9%

3%

9%AN

3%

6%

4%

4%

12

11

12

2%

2%

2%

2%

1%

2%

2%

1%

3%

2%

2%

2%

2%

3%

1%

2%

1%

2%

1%

1%

1%

1%

1%

1%

2%

1%

1%

1%

1%

1%

1%

2%B

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%F

2%AB

2%AF

1%

1%

1%

1%

1%

1%

1%

1%

2%

1%

1%

1%

2%

1%

2%

2%

2%

1%

2%

1%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


E13 How did you find the money to pay for this?
Base: all those who had a large expenditure in the past 3 years

Work status

Disability

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

633

290

139

203

104

513

395

237

140

493

47*

74*

104*

391

185

421

645

1%P

3%AB

1%

1%

1%

1%

1%

1%

1%

4%AN

1%

2%

1%

10

10

2%

1%

2%

3%

1%

2%

1%

2%

1%

2%

2%

1%

2%

1%

1%

2%

1%F

1%

2%AF

1%

1%

2%

1%

1%

1%

Weighted total
I could not find the money/I haven't paid
for it yet

Prefer not to say

Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base

Relationship status

Money Advice Service - Financial Capability Tracker Survey - FINAL


E13 How did you find the money to pay for this?
Base: all those who had a large expenditure in the past 3 years

Region

Total (A)

NorthEast (B)

NorthWest
(C)

Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

East Anglia
(G)

Unweigh
ted total

Internet usage

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

Unweighted total

645

25

79

55

42

60

60

60

97

81

28

45

13

456

98

27

64

645

Weighted total

633

22**

70*

56*

41*

50*

70*

57*

92*

82*

26**

40*

26**

451

92*

26**

63*

645

Drew money from a savings account

307

11

35

28

19

26

31

27

52

30

11

19

16

209

55

14

30

321

49%J

52%

50%

50%

46%

52%

45%

48%

56%J

37%

43%

48%

63%

46%

59%AN

51%

48%

50%

Cut back on spending

Drew money from a current account


(excluding any overdraft facility)

Family/friends gave me money to help out

Used a credit card, store card or overdraft

Borrowed money from family/friends

Took out a loan including Social Fund loan

Got a job/got a second job/worked


additional hours in existing job

Claimed on an insurance policy

Sold items

Sold shares/withdrew from investments

Took out a new/larger mortgage

Early pension pay-out

Another way

103

12

15

11

80

11

99

16%Q

9%

11%

13%

23%

15%

17%

14%

17%

14%

28%

23%

24%

18%Q

12%

30%

6%

15%

90

10

11

12

15

10

71

11

91

14%

12%

14%

12%

15%

10%

16%

22%

16%

12%

11%

11%

16%

16%

12%

15%

7%

14%

82

12

17

11

65

77

13%

17%

10%

6%

7%

13%

17%

11%

19%D

13%

11%

12%

15%

14%

7%

20%

8%

12%

74

12

11

10

19

61

73

12%H

17%H

20%AH

13%H

7%

9%

1%

11%H

24%AFGHIL

4%

6%

8%

13%A

8%

7%

6%

11%

62

10

53

59

10%

4%

8%

8%

13%

9%

14%

8%

8%

10%

19%

12%

7%

12%A

5%

7%

3%

9%

58

45

58

9%

19%

8%

8%

13%

10%

9%

8%

8%

10%

7%

9%

6%

10%

8%

4%

6%

9%

28

21

26

4%

2%

3%

2%

4%

5%

9%AEJ

1%

12%

7%

8%

5%

3%

8%

3%

4%

12

12

2%

4%

2%

1%

2%

6%AJ

2%

2%

2%

1%

5%

2%

1%

4%

7%ACDGHJ

1%

4%

1%

1%

1%

1%

1%

2%

1%

1%

2%

1%

3%

1%

1%

3%

1%

3%A

2%

1%

1%

3%

3%A

1%

1%

1%

1%

1%

1%

1%

1%

5%A

4%

2%

1%

7%

2%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E13 How did you find the money to pay for this?
Base: all those who had a large expenditure in the past 3 years

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

633

22**

70*

56*

41*

1%

3%

10

2%N

4%

1%N

1%

Weighted total
I could not find the money/I haven't paid
for it yet

Prefer not to say

Don't know

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

50*

70*

57*

92*

82*

26**

40*

26**

451

92*

26**

63*

645

3%

3%A

3%

1%

2%

1%

1%

10

4%

4%

6%AGI

1%

10%ANO

2%

2%

1%

4%

1%

3%AN

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Unweigh
ted total

Internet usage
2 to 5 times a Once a week
week (P)
or less (Q)

Money Advice Service - Financial Capability Tracker Survey - FINAL


E13 How did you find the money to pay for this?
Base: all those who had a large expenditure in the past 3 years

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

Unweighted total

645

385

30

15

25

645

Weighted total

633

359

32**

4**

15**

4**

2**

26**

645

Drew money from a savings account

307

183

16

10

321

49%

51%

49%

74%

19%

49%

100%

40%

50%

Cut back on spending

Drew money from a current account


(excluding any overdraft facility)

Family/friends gave me money to help out

Used a credit card, store card or overdraft

Borrowed money from family/friends

Took out a loan including Social Fund loan

Got a job/got a second job/worked


additional hours in existing job

Claimed on an insurance policy

Sold items

Sold shares/withdrew from investments

Took out a new/larger mortgage

Early pension pay-out

Another way

BME (H)

103

45

99

16%B

13%

23%

25%

20%

59%

21%

15%

90

47

91

14%

13%

24%

29%

18%

15%

14%

82

37

77

13%B

10%

7%

25%

13%

24%

16%

12%

74

37

73

12%

10%

28%

28%

24%

20%

11%

62

32

59

10%

9%

16%

8%

5%

9%

58

27

58

9%

7%

10%

13%

27%

12%

9%

28

26

4%B

2%

11%

4%

12

12

2%

2%

13%

8%

2%

1%

1%

1%

1%

1%

1%

1%

26%

4%

1%

1%

1%

1%

1%

1%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E13 How did you find the money to pay for this?
Base: all those who had a large expenditure in the past 3 years

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

633

359

32**

4**

15**

4**

2**

26**

645

1%

1%

1%

10

10

2%

2%

2%

1%

6%

3%

1%

Weighted total
I could not find the money/I haven't paid
for it yet

Prefer not to say

Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E15 Now please could you look at these types of insurance, and indicate which, if any, of these you currently have, either in your own name or jointly with someone else?
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Home contents insurance

2986

1489

1497

119

400

543

617

1308

1768

1218

1281

210

231

107

25

27

3064

59%CDEJK

60%AC

57%

20%

46%D

62%ADE

68%ADEF

71%ADEF

70%AJ

48%

54%

69%AK

75%AK

91%AKLM

93%

84%AK

60%

2292

1184

1108

50

263

417

495

1067

1482

810

962

172

196

101

22

21

2356

45%CDEJK

48%AC

42%

8%

30%D

48%DE

55%ADEF

58%ADEF

59%AJ

32%

41%

56%AK

64%AK

86%AKLMP

81%

65%AK

46%
1507

Buildings insurance

Life insurance that pays out on death

50,000+ (P)

1492

773

718

48

212

328

329

575

875

617

578

112

135

75

10

13

29%CDEJK

31%AC

28%

8%

24%D

38%ADEH

36%ADEH

31%ADE

35%AJ

24%

24%

37%AK

44%AK

64%AKLMP

37%

39%

30%

1134

602

532

85

176

190

225

457

804

330

394

95

122

56

14

17

1181

22%CDJK

24%AC

20%

14%

20%D

22%D

25%ADE

25%ADE

32%AJ

13%

17%

31%AK

39%AKL

47%AKL

52%

53%AKL

23%

514

262

253

32

86

104

114

178

393

121

156

38

63

42

515

10%DJK

11%

10%

5%

10%D

12%D

13%ADH

10%D

16%AJ

5%

7%

12%K

20%AKL

35%AKLM

29%

28%AKL

10%
359

Travel insurance

Private medical/dental insurance

Critical illness insurance

375

189

186

23

94

119

93

46

254

121

105

46

48

27

7%DHJK

8%

7%

4%

11%ADH

14%ADGH

10%ADH

3%

10%AJ

5%

4%

15%AK

16%AK

22%AK

8%

12%K

7%

180

102

78

43

57

56

15

123

58

37

34

21

12

175

4%CDHJK

4%AC

3%

2%

5%ADH

7%ADH

6%ADH

1%

5%AJ

2%

2%

11%AKP

7%AK

10%AK

8%

3%

130

71

59

29

41

33

18

80

50

46

13

14

128

Income protection insurance

Payment protection insurance

3%HJK

3%

2%

2%

3%DH

5%ADH

4%ADH

1%

3%AJ

2%

2%

4%K

4%AK

8%AK

4%

3%

1264

575

688

370

294

179

179

242

431

833

683

52

33

1224

25%BFGHIL

23%

26%AB

61%AEFGH

34%AFGH

21%H

20%H

13%

17%

33%AI

29%ALMNP

17%MN

11%N

2%

7%

10%

24%

212

None of these

MN
Prefer not to say

226

114

112

18

34

34

23

116

69

157

130

4%GILMN

5%

4%

3%

4%

4%

3%

6%ADEFG

3%

6%AI

6%ALMN

4%

122

44

78

24

25

15

16

41

30

92

74

114

2%BIM

2%

3%AB

4%AFGH

3%

2%

2%

2%

1%

4%AI

3%ALM

1%

2%

Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E15 Now please could you look at these types of insurance, and indicate which, if any, of these you currently have, either in your own name or jointly with someone else?
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Home contents insurance

2986

1342

525

1119

540

2398

1956

1031

669

2318

51

407

285

2203

844

2008

3064

59%CHJKLM

62%AC

38%

74%ABC

57%

61%A

72%AHIJ

43%

62%AHJ

58%H

12%

42%KM

34%K

82%AKLM

51%

67%AO

60%

O
Buildings insurance

2292

1072

292

927

337

1924

1619

673

528

1765

32

21

31

2185

499

1697

2356

45%CEHJKL

49%AC

21%

61%ABC

36%

49%AE

60%AHIJ

28%

49%AHJ

44%H

7%LM

2%

4%

81%AKLM

30%

57%AO

46%

MO
Life insurance that pays out on death

1492

788

232

469

225

1242

1091

401

448

1044

28

199

122

1114

435

994

1507

29%CEHJKL

36%ACD

17%

31%C

24%

31%AE

40%AHJ

17%

42%AHJ

26%H

6%

20%KM

15%K

41%AKLM

26%

33%AO

30%

MO
Travel insurance

1134

592

146

394

133

988

786

348

194

939

63

70

135

855

175

925

1181

22%CEHIKL

27%AC

11%

26%AC

14%

25%AE

29%AHIJ

15%

18%H

23%AHI

14%L

7%

16%L

32%AKLM

11%

31%AO

23%

MO
Private medical/dental insurance

514

304

56

154

51

455

359

155

135

379

21

30

65

389

75

420

515

10%CEHJKL

14%ACD

4%

10%C

5%

11%AE

13%AHJ

7%

13%AHJ

9%H

5%

3%

8%L

14%AKLM

5%

14%AO

10%

MO
Critical illness insurance

375

289

52

34

34

337

282

93

165

210

13

20

21

314

94

274

359

7%CDEHJK

13%ACD

4%D

2%

4%

9%AE

10%AHJ

4%

15%AGHJ

5%H

3%

2%

2%

12%AKLM

6%

9%AO

7%

LMO
Income protection insurance

180

142

27

11

18

161

121

60

61

120

12

152

39

137

175

4%CDEHJKL

7%ACD

2%D

1%

2%

4%AE

4%AHJ

3%

6%AHJ

3%

1%

1%

1%

6%AKLM

2%

5%AO

3%

128

MO
Payment protection insurance

130

86

28

16

18

109

82

49

38

92

12

20

96

34

92

3%DHJKL

4%ACD

2%D

1%

2%

3%

3%AHJ

2%

4%AHJ

2%

1%

1%

2%K

4%AKL

2%

3%AO

3%

1264

463

621

178

275

946

402

862

253

1011

302

403

357

177

577

595

1224

25%BDFGNP

21%D

45%ABD

12%

29%AF

24%

15%

36%AGIJ

24%G

25%G

69%ALMN

41%AN

43%AN

7%

35%AP

20%

24%

226

67

56

91

28

134

82

144

26

200

10

37

27

95

40

59

212

4%BEFGIKN

3%

4%

6%ABC

3%

3%

3%

6%AGIJ

2%

5%AGI

2%

4%

3%

4%

2%

2%

4%

None of these

Prefer not to say

OP
Don't know

122

26

58

36

23

88

44

78

22

101

40

27

37

38

47

114

2%BGNP

1%

4%ABD

2%B

2%

2%

2%

3%AGIJ

2%

3%G

2%

4%AN

3%N

1%

2%

2%

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


E15 Now please could you look at these types of insurance, and indicate which, if any, of these you currently have, either in your own name or jointly with someone else?
Base: all respondents

Region
Yorkshire
and
Humberside
(D)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

Home contents insurance

2986

129

276

274

59%CJQ

62%CJ

49%

2292

101

45%CJQ

48%CJ

Buildings insurance

West
East
Midlands (E) Midlands (F)

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

418

406

441

705

620

257

365

470

433

693

653

247

268

237

301

269

424

300

65%ACJ

60%CJ

65%ACJ

64%ACJ

62%CJ

61%CJ

216

217

190

191

235

203

38%J

51%ACEJL

43%J

52%ACEJL

50%ACEJL

47%CJ

2 to 5 times a Once a week


week (P)
or less (Q)

468

72

3074

723

173

1109

5079

433

141*

3076

691

165

1147

5079

148

259

100

1888

488

110

501

3064

46%

60%CJ

60%CJ

71%ACJ

61%AQ

71%ANQ

67%AQ

44%

60%

330

215

115

186

92

1452

379

82

380

2356

48%CJ

33%

47%CJ

43%J

66%ABCDE

47%AQ

55%ANQ

50%Q

33%

46%

FGHIJKL
Life insurance that pays out on death

1492

80

122

125

107

114

150

120

215

163

71

151

73

938

246

58

249

1507

29%CEJQ

38%ACDEH

22%

30%C

24%

31%CEJ

32%CEJ

28%C

31%CEJ

25%

29%C

35%ACEHJ

52%ABCDE

30%AQ

36%ANQ

35%Q

22%

30%

JK
Travel insurance

FGHIJKL

1134

45

105

102

95

61

117

93

175

155

47

96

44

852

177

42

62

1181

22%CFQ

21%

19%

24%CF

21%

17%

25%CF

21%

25%ACFK

24%CF

19%

22%F

31%CFK

28%AQ

26%AQ

26%Q

5%

23%

514

12

51

45

43

34

46

36

73

97

23

22

32

383

79

13

38

515

10%BLQ

6%

9%L

11%BL

10%L

9%L

10%L

8%L

11%BL

15%ABCEF

10%L

5%

23%ABCDE

12%AQ

11%Q

8%Q

3%

10%

375

14

32

27

34

27

38

24

53

44

11

42

28

295

47

11

22

359

7%Q

7%

6%

6%

8%

7%

8%

6%

8%

7%

5%

10%ACHK

20%ABCDE

10%AOQ

7%Q

6%Q

2%

7%

175

Private medical/dental insurance

GHIKL
Critical illness insurance

FGHIKL

FGHIJKL
Income protection insurance

180

21

10

17

18

15

25

28

10

17

131

30

10

4%Q

2%

4%

2%

2%

5%BDE

4%

3%

4%

4%

4%

4%

5%

4%AQ

4%Q

6%Q

1%

3%

Payment protection insurance

130

11

13

10

13

12

10

14

16

12

91

25

10

128

3%Q

3%

2%

3%

2%

3%

2%

2%

2%

2%

3%

3%

4%

3%AQ

4%Q

3%Q

1%

3%

None of these

1264

53

206

91

111

95

107

93

141

195

55

96

20

785

130

31

318

1224

25%IMO

25%M

37%ABDEFGH

21%

25%M

26%IM

23%

21%

20%

30%ADGHI

22%

22%

14%

26%OP

19%

19%

28%AOP

24%

IJKLM
Prefer not to say

KLM

226

20

13

24

17

30

40

43

17

53

13

152

212

4%FNO

3%

4%F

3%

5%F

1%

4%F

7%ABCDFG

6%F

7%ABCDFG

3%

4%F

2%

2%

2%

4%N

13%ANOP

4%

KL
Don't know

122

15

13

12

23

18

18

47

62

114

2%HNO

1%

3%H

3%GH

3%

1%

1%

1%

3%FGH

3%H

2%

4%ABFGH

1%

2%

1%

3%

5%ANO

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


E15 Now please could you look at these types of insurance, and indicate which, if any, of these you currently have, either in your own name or jointly with someone else?
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Unweighted total

Asian (E)

5079

3061

Weighted total

5079

2960

141

39

153

147

40*

158

Home contents insurance

2986

1939

70

16

36

59%CDEFH

66%ACDEFH

48%EFH

41%EH

2292

1498

50

45%CEFH

51%ACEFH

34%EFH

Buildings insurance

Life insurance that pays out on death

Travel insurance

Private medical/dental insurance

Critical illness insurance

Black (F)

Other (G)

BME (H)

54

15

261

5079

59*

15**

273

5079

13

71

3064

23%

22%

31%

26%

60%

14

30

53

2356

35%EFH

19%

10%

18%

19%

46%
1507

1492

906

40

10

27

12

51

29%EH

31%AEH

27%EH

26%

17%

19%

12%

19%

30%

1134

643

40

15

31

1181

22%EFH

22%EH

27%EFH

18%

9%

11%

20%

11%

23%

514

285

26

10

21

515

10%

10%

18%ABEH

7%

7%

7%

20%

8%

10%
359

375

181

13

12

18

7%B

6%

9%

7%

8%

3%

7%

7%

7%

Income protection insurance

180

93

11

175

4%

3%

6%B

5%

5%

7%

4%

3%

Payment protection insurance

130

68

128

3%

2%

2%

2%

2%

14%

2%

3%

None of these

1264

588

41

13

66

19

106

1224

25%B

20%

28%B

33%

42%ABC

33%B

49%

39%ABC

24%

226

134

26

12

42

212

4%

5%

6%

5%

16%ABC

20%ABCD

13%

15%ABCD

4%

122

68

18

114

2%

2%

3%

5%

6%AB

10%ABC

7%

7%AB

2%

Prefer not to say

Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E16 When your home contents insurance is due for renewal, do you usually...?
Base: all those who hold home contents insurance

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

3064

1536

1528

112

353

541

580

1478

1809

1255

1309

210

228

105

25

28

3064

Weighted total

2986

1489

1497

119

400

543

617

1308

1768

1218

1281

210

231

107

25**

27**

3064

Compare quotes from a number of


different insurers before making a choice

1522

803

719

71

245

299

347

561

962

560

588

141

125

67

13

16

1566

51%CHJK

54%AC

48%

59%H

61%AH

55%AH

56%AH

43%

54%AJ

46%

46%

67%AKM

54%K

63%AK

50%

59%

51%

Get quotes from new insurance providers


and then go back to current insurer to see
if they can match prices

685

344

341

27

77

131

137

312

425

260

291

38

64

24

713

23%

23%

23%

23%

19%

24%

22%

24%

24%

21%

23%

18%

28%L

23%

29%

32%

23%

400

171

229

38

52

73

229

192

208

204

17

22

397

13%BDEFIL

11%

15%AB

6%

10%

10%

12%

18%ADEFG

11%

17%AI

16%ALMN

8%

9%

9%

8%

8%

13%

289

134

155

23

41

49

171

147

142

152

12

16

297

10%DEIL

9%

10%

4%

6%

7%

8%

13%ADEFG

8%

12%AI

12%ALM

6%

7%

6%

12%

10%

Renew with your current insurer without


looking at their quote

Look only at the quote provided by your


current insurer, then renew with them

Prefer not to say

Don't know

20

10

10

11

12

20

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

71

28

43

13

17

10

24

34

37

37

71

2%I

2%

3%

6%AGH

3%

3%

2%

2%

2%

3%AI

3%

1%

2%

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E16 When your home contents insurance is due for renewal, do you usually...?
Base: all those who hold home contents insurance

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

3064

1312

516

1235

563

2453

2024

1040

634

2430

47

424

281

2270

865

2065

3064

Weighted total

2986

1342

525

1119

540

2398

1956

1031

669

2318

51*

407

285

2203

844

2008

3064

Compare quotes from a number of


different insurers before making a choice

1522

786

266

469

224

1278

1065

457

400

1122

29

130

146

1195

401

1073

1566

51%DEHJLO

59%ACD

51%D

42%

42%

53%AE

54%AHJ

44%

60%AGHJ

48%H

58%L

32%

51%L

54%AL

48%

53%AO

51%

Get quotes from new insurance providers


and then go back to current insurer to see
if they can match prices

685

295

112

278

127

545

500

185

154

531

73

63

531

185

465

713

23%HL

22%

21%

25%A

24%

23%

26%AHJ

18%

23%H

23%H

19%

18%

22%

24%AL

22%

23%

23%

400

129

71

201

111

283

186

214

46

354

117

41

232

136

242

397

13%BFGINP

10%

13%B

18%ABC

21%AF

12%

10%I

21%AGIJ

7%

15%AGI

10%

29%AKMN

14%

11%

16%AP

12%

13%

Renew with your current insurer without


looking at their quote

Look only at the quote provided by your


current insurer, then renew with them

289

103

44

140

59

225

151

138

47

241

68

24

191

92

177

297

10%BGINP

8%

8%

13%ABC

11%

9%

8%

13%AGIJ

7%

10%AGI

1%

17%AKMN

8%

9%

11%

9%

10%

Prefer not to say

Don't know

20

11

11

11

18

13

20

1%FGP

1%

1%

1%

1%G

1%G

2%M

1%

1%

1%

1%

71

24

28

19

12

56

46

25

19

52

14

11

41

23

43

71

2%BN

2%

5%ABD

2%

2%

2%

2%

2%

3%

2%

10%ALN

3%N

4%N

2%

3%

2%

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


E16 When your home contents insurance is due for renewal, do you usually...?
Base: all those who hold home contents insurance

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

3064

148

315

268

266

Weighted total

2986

129

276

274

Compare quotes from a number of


different insurers before making a choice

1522

64

148

51%IKQ

50%

685
23%Q

Get quotes from new insurance providers


and then go back to current insurer to see if
they can match prices

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

279

269

283

446

297

155

286

52

1940

524

119

481

3064

268

237

301

269

424

300

148

259

100*

1888

488

110

501

3064

157

141

127

168

134

197

152

64

122

46

1061

267

60

135

1566

54%K

57%AIKL

53%

54%K

56%IKL

50%

47%

51%

43%

47%

46%

56%AQ

55%Q

54%Q

27%

51%

27

60

60

53

58

68

72

93

64

29

58

43

470

116

23

76

713

21%

22%

22%

20%

24%

22%

27%

22%

21%

19%

22%

43%ABCDE

25%AQ

24%Q

21%

15%

23%

FGHIJKL
Renew with your current insurer without
looking at their quote

400

20

28

25

45

30

35

30

69

41

31

42

177

45

10

168

397

13%DNO

15%

10%

9%

17%CDM

13%

12%

11%

16%CDM

14%

21%ACDFG

16%CDM

6%

9%

9%

9%

34%ANOP

13%

HJM
Look only at the quote provided by your
current insurer, then renew with them

Prefer not to say

Don't know

289

14

31

26

23

17

23

28

44

31

17

30

136

49

12

91

297

10%N

11%

11%

9%

9%

7%

8%

10%

10%

10%

12%

12%

5%

7%

10%N

11%

18%ANO

10%

20

20

1%N

1%

1%

1%

1%

1%G

1%

1%

2%AN

1%

71

16

36

22

71

2%N

3%

2%

2%

2%

2%

3%

2%

4%

3%

3%

2%

2%

2%

4%

4%ANO

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


E16 When your home contents insurance is due for renewal, do you usually...?
Base: all those who hold home contents insurance

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

3064

2049

68

16

36

13

70

3064

Weighted total

2986

1939

70*

16**

36*

13**

5**

71*

3064

Compare quotes from a number of


different insurers before making a choice

Get quotes from new insurance providers


and then go back to current insurer to see
if they can match prices

Renew with your current insurer without


looking at their quote

Look only at the quote provided by your


current insurer, then renew with them

Prefer not to say

Don't know

1522

935

35

15

24

1566

51%BH

48%H

51%

25%

41%

31%

21%

34%

51%

685

439

16

15

713

23%

23%

23%

42%

19%

12%

22%

23%

400

297

17

397

13%

15%A

11%

8%

22%

39%

57%

24%ABC

13%

289

208

10

297

10%

11%A

14%

16%

13%

17%

13%

10%

20

12

20

1%

1%

9%

2%

1%

71

49

71

2%

3%

2%

5%

22%

4%

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E17a Here are some statements made by other people about insurance. Please indicate how strongly you agree or disagree with them.
I can generally trust the information provided by insurance companies about their policies
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Strongly agree

310

161

149

20

45

55

49

141

145

166

156

22

24

311

6%D

7%

6%

3%

5%

6%D

5%

8%ADEG

6%

7%

7%

7%

8%

8%

7%

5%

6%

1662

790

872

157

259

299

286

661

900

762

752

117

124

56

14

17

1675

33%DJ

32%

33%

26%

30%

34%D

32%D

36%ADEG

36%AJ

30%

32%

38%AK

40%AK

48%AK

52%

53%AK

33%

1747

842

905

209

343

298

308

589

852

895

777

100

91

30

1747

34%HN

34%

35%

35%

40%AFGH

34%

34%

32%

34%

35%

33%

33%

30%

25%

21%

21%

34%

714

367

348

103

113

128

138

233

374

341

326

38

52

15

709

14%H

15%

13%

17%AEH

13%

15%

15%

13%

15%

13%

14%

13%

17%

12%

17%

18%

14%
361

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

40,000 to
49,999 (O)

50,000+ (P)

356

193

163

36

57

61

87

115

171

185

175

17

14

7%C

8%AC

6%

6%

7%

7%

10%ADEH

6%

7%

7%

7%

5%

5%

7%

3%

3%

7%

289

117

173

76

50

31

36

97

89

200

172

11

276

6%BFGIMN

5%

7%AB

13%AEFGH

6%F

4%

4%

5%F

4%

8%AI

7%ALMN

4%MN

1%

5%

1972

951

1022

177

304

353

335

802

1044

928

909

139

148

65

16

19

1986

39%DEJ

39%

39%

29%

35%D

41%DE

37%D

44%ADEG

41%AJ

36%

39%

46%AK

48%AK

55%AK

59%

58%AK

39%

Don't know

Agree

Disagree

1070

559

511

139

170

189

224

348

545

526

501

55

66

23

1070

21%CH

23%AC

20%

23%H

20%

22%

25%AEH

19%

22%

21%

21%

18%

21%

19%

20%

21%

21%

902

391

511

38

135

164

111

454

500

402

408

84

82

42

10

12

916

18%BDGJ

16%

20%AB

6%

16%D

19%DG

12%D

25%ADEFG

20%AJ

16%

17%

28%AK

27%AK

36%AK

39%

37%AK

18%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E17a Here are some statements made by other people about insurance. Please indicate how strongly you agree or disagree with them.
I can generally trust the information provided by insurance companies about their policies
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Strongly agree

310

129

60

122

60

246

174

136

69

241

10

60

36

195

107

183

311

6%CKM

6%

4%

8%ABC

6%

6%

6%

6%

6%

6%

2%

6%K

4%

7%AKM

7%

6%

6%

1662

750

348

563

292

1342

958

704

358

1304

114

274

211

1036

508

1063

1675

33%CHKLMO

35%AC

25%

37%AC

31%

34%A

35%AHJ

30%

33%H

33%H

26%

28%

25%

39%AKLM

31%

35%AO

33%

1747

766

488

487

319

1350

920

826

385

1362

165

341

301

889

537

1040

1747

34%DN

35%D

36%

32%

34%

34%

34%

35%

36%

34%

38%

35%

36%

33%

33%

35%

34%

714

304

220

188

125

580

382

333

150

565

64

135

142

355

259

415

709

14%D

14%

16%AD

12%

13%

15%A

14%

14%

14%

14%

15%

14%

17%AN

13%

16%A

14%

14%

356

136

135

86

99

244

178

178

70

286

34

89

76

151

145

185

361

7%DFNP

6%

10%ABD

6%

11%AF

6%

7%

7%

6%

7%

8%

9%AN

9%AN

6%

9%AP

6%

7%
276

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

289

82

122

75

47

198

88

202

44

245

48

78

61

64

95

112

6%BFGINP

4%

9%ABD

5%

5%

5%

3%

8%AGIJ

4%

6%AGI

11%AMN

8%AN

7%AN

2%

6%P

4%

5%

1972

878

408

684

353

1587

1132

840

427

1545

124

334

247

1230

615

1246

1986

39%CHKLM

41%AC

30%

45%ABC

37%

40%A

42%AHJ

35%

40%H

39%H

29%

34%K

30%

46%AKLM

37%

42%AO

39%

1070

440

355

273

225

825

560

511

219

851

98

224

219

506

404

600

1070

21%DNP

20%

26%ABD

18%

24%AF

21%

21%

21%

20%

21%

23%

23%N

26%AN

19%

24%AP

20%

21%

902

438

53

411

128

763

572

330

208

694

26

110

29

724

211

645

916

18%CEHKLM

20%AC

4%

27%ABC

14%

19%AE

21%AHJ

14%

19%H

17%H

6%M

11%KM

3%

27%AKLM

13%

22%AO

18%

Agree

Disagree

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


E17a Here are some statements made by other people about insurance. Please indicate how strongly you agree or disagree with them.
I can generally trust the information provided by insurance companies about their policies
Base: all respondents

Region
Yorkshire
and
Humberside
(D)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

Strongly agree

310

18

40

34

6%N

9%HIJM

7%M

Tend to agree

1662

68

33%
Neither agree nor disagree

1747

Tend to disagree

Strongly disagree

Don't know

Agree

Disagree

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

418

406

441

705

620

257

365

470

433

693

653

247

27

21

36

21

34

31

8%IJM

6%

6%

8%M

5%

5%

190

129

164

120

133

149

32%

34%

30%

37%GJ

33%

28%

74

197

152

137

133

163

34%Q

35%

35%

36%

31%

36%

714

22

71

65

71

43

14%Q

11%

13%

15%

16%

12%

2 to 5 times a Once a week


week (P)
or less (Q)

468

72

3074

723

173

1109

5079

433

141*

3076

691

165

1147

5079

21

26

166

33

105

311

5%

8%JM

6%

1%

5%

5%

4%

9%ANOP

6%

231

196

81

150

51

991

228

60

383

1675

34%

33%

30%

33%

35%

36%

32%

33%

37%

33%

33%

158

223

231

82

135

60

1112

267

59

309

1747

35%

37%

32%

35%

33%

31%

43%

36%AQ

39%AQ

36%Q

27%

34%

72

50

104

98

35

60

24

461

107

19

127

709

15%

12%

15%

15%

14%

14%

17%

15%AQ

16%Q

11%

11%

14%
361

356

15

40

26

29

28

39

29

53

42

15

38

225

34

14

83

7%O

7%M

7%

6%

7%

8%M

8%M

7%

8%M

6%

6%

9%M

1%

7%O

5%

9%

7%

7%

289

13

27

17

17

21

26

26

47

55

14

24

121

23

139

276

6%NO

6%

5%

4%

4%

6%

6%

6%

7%E

8%ACDEM

6%

6%

1%

4%

3%

4%

12%ANOP

5%

1972

86

230

163

191

141

170

169

266

227

101

176

53

1158

260

66

488

1986

39%JN

41%

41%J

38%

43%GJ

38%

36%

39%

38%

35%

41%

41%

37%

38%

38%

40%

43%ANO

39%

1070

37

111

91

100

70

111

79

158

140

49

98

26

686

141

33

210

1070

21%Q

18%

20%

21%

22%

19%

24%

18%

23%

21%

20%

23%

18%

22%AQ

20%

20%

18%

21%

902

49

119

72

91

70

59

91

108

87

52

77

27

472

119

33

278

916

18%GJN

23%AGIJ

21%AGIJ

17%

21%GIJ

19%GJ

13%

21%GIJ

16%

13%

21%GIJ

18%GJ

19%

15%

17%

20%

24%ANO

18%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

West
East
Midlands (E) Midlands (F)

Unweigh
ted total

Internet usage

Money Advice Service - Financial Capability Tracker Survey - FINAL


E17a Here are some statements made by other people about insurance. Please indicate how strongly you agree or disagree with them.
I can generally trust the information provided by insurance companies about their policies
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Unweighted total

Asian (E)

5079

3061

Weighted total

5079

2960

141

39

153

147

40*

158

Strongly agree

310

212

6%

7%AH

4%

1662

1040

45

33%F

35%AFH

1747

975

34%B
714

Other (G)

BME (H)

54

15

261

5079

59*

15**

273

5079

311

5%

2%

3%

6%

49

12

74

1675

31%

22%

31%

20%

32%

27%

33%

52

22

48

21

93

1747

33%

35%

54%ABCEH

30%

35%

21%

34%

34%

382

16

19

11

36

709

14%B

13%

11%

10%

12%

18%

16%

13%

14%

356

206

19

17

361

7%

7%

13%ABEH

8%

6%

4%

14%

6%

7%

Don't know

289

145

10

25

13

43

276

6%B

5%

7%

5%

16%ABC

22%ABCD

17%

16%ABCD

5%

Agree

1972

1252

51

58

13

84

1986

39%DFH

42%ADFH

34%

22%

36%FH

21%

32%

31%

39%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Disagree

Black (F)

1070

588

35

28

13

53

1070

21%B

20%

24%

18%

18%

22%

30%

19%

21%

902

663

16

29

31

916

18%CDFH

22%ACDFH

11%F

4%

19%DFH

-1%

2%

11%F

18%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E17b Here are some statements made by other people about insurance. Please indicate how strongly you agree or disagree with them.
Paying for life insurance is not necessary
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Strongly agree

405

233

172

35

62

51

79

179

200

205

205

29

21

12

411

8%CDF

9%AC

7%

6%

7%

6%

9%DF

10%ADEF

8%

8%

9%

10%

7%

10%

17%

8%

8%

767

375

392

98

125

102

136

305

390

377

367

47

52

13

773

15%F

15%

15%

16%F

14%

12%

15%F

17%AF

15%

15%

16%

15%

17%

11%

14%

9%

15%

1607

798

809

201

314

298

267

526

782

825

702

97

81

22

13

14

1603

32%HKMN

32%

31%

33%H

36%AGH

34%GH

30%

29%

31%

32%

30%N

32%N

26%

19%

48%

42%N

32%

1123

522

600

134

179

208

224

377

589

534

514

74

78

31

1120

22%HJ

21%

23%

22%

21%

24%H

25%AH

21%

23%

21%

22%

24%

25%

26%

6%

15%

22%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

40,000 to
49,999 (O)

50,000+ (P)

910

442

468

60

137

178

174

361

479

431

414

51

76

39

916

18%D

18%

18%

10%

16%D

20%ADE

19%D

20%ADE

19%

17%

18%

17%

25%AKL

33%AKL

15%

22%

18%
256

267

98

169

73

49

33

23

89

90

177

157

5%BFGILMN

4%

6%AB

12%AEFGH

6%G

4%

2%

5%G

4%

7%AI

7%ALMN

2%M

1%

3%M

5%

1172

608

564

133

187

154

215

484

590

582

572

77

72

25

1184

23%CF

25%AC

22%

22%F

22%

18%

24%F

26%ADEF

23%

23%

24%

25%

24%

21%

31%

17%

23%

Agree

Disagree

2033

965

1068

194

316

386

399

738

1068

965

928

125

153

70

12

2036

40%DEJ

39%

41%

32%

37%

44%ADEH

44%ADE

40%D

42%AJ

38%

39%

41%

50%AKL

59%AKLP

22%

37%

40%

-861

-357

-504

-62

-130

-232

-184

-254

-477

-383

-356

-48

-81

-45

-6

-852

-17%

-14%

-19%

-10%

-15%

-27%

-20%

-14%

-19%

-15%

-15%

-16%

-26%

-38%

9%

-20%

-17%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E17b Here are some statements made by other people about insurance. Please indicate how strongly you agree or disagree with them.
Paying for life insurance is not necessary
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Strongly agree

405

144

104

158

90

307

166

240

63

342

31

73

59

232

133

245

411

8%BGI

7%

8%

10%ABC

10%A

8%

6%

10%AGIJ

6%

9%AGI

7%

8%

7%

9%

8%

8%

8%

767

296

209

259

157

597

338

429

91

675

62

156

142

393

251

470

773

15%BGI

14%

15%

17%AB

17%

15%

13%I

18%AGIJ

8%

17%AGI

14%

16%

17%

15%

15%

16%

15%

1607

694

474

432

295

1239

847

760

325

1282

165

337

294

760

521

944

1603

32%DN

32%D

35%AD

28%

31%

31%

31%

32%

30%

32%

38%AN

34%AN

36%AN

28%

32%

31%

32%

1123

527

295

300

192

903

653

469

288

835

96

178

183

642

381

663

1120

22%DHJL

24%AD

21%

20%

20%

23%A

24%AHJ

20%

27%AGHJ

21%

22%

18%

22%L

24%AL

23%

22%

22%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

910

419

193

297

162

739

611

299

275

635

43

166

94

595

288

557

916

18%CHJKM

19%AC

14%

20%AC

17%

19%A

23%AHJ

13%

26%AGHJ

16%H

10%

17%KM

11%

22%AKLM

17%

19%

18%
256

Don't know

267

86

98

73

46

176

85

182

33

234

38

66

57

68

75

120

5%BFGINP

4%

7%ABD

5%

5%

4%

3%

8%AGIJ

3%

6%AGI

9%AN

7%AN

7%AN

3%

5%

4%

5%

1172

440

313

417

248

903

503

669

155

1018

93

229

200

625

385

715

1184

23%BGI

20%

23%

27%ABC

26%AF

23%

19%I

28%AGIJ

14%

25%AGI

21%

23%

24%

23%

23%

24%

23%

Agree

Disagree

2033

945

488

597

355

1641

1264

769

563

1470

139

344

277

1237

669

1220

2036

40%CHJKLM

44%ACD

36%

39%C

38%

41%AE

47%AHJ

32%

52%AGHJ

37%H

32%

35%

33%

46%AKLM

41%

41%

40%

-861

-506

-175

-180

-107

-738

-761

-100

-409

-452

-46

-115

-76

-612

-284

-506

-852

-17%

-23%

-13%

-12%

-11%

-19%

-28%

-4%

-38%

-11%

-11%

-12%

-9%

-23%

-17%

-17%

-17%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


E17b Here are some statements made by other people about insurance. Please indicate how strongly you agree or disagree with them.
Paying for life insurance is not necessary
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

Strongly agree

405

19

39

41

8%M

9%M

7%M

767

25

15%DL
1607
32%BQ

Tend to agree

Neither agree nor disagree

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern Several times


Ireland (M)
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

43

26

32

39

57

56

19

35

231

51

116

411

10%M

10%M

7%M

7%M

9%M

8%M

9%M

7%M

8%M

8%

7%

4%

10%ANP

8%

103

47

59

54

73

67

110

116

39

51

20

451

104

23

189

773

12%

18%ABDEL

11%

13%

15%

16%

15%

16%DL

18%ABDL

16%

12%

14%

15%

15%

14%

16%

15%

52

199

120

129

107

166

151

201

245

66

132

40

1001

247

67

290

1603

25%

35%ABDEIK

28%

29%

29%

35%BDIK

35%BDIK

29%

37%ABDEF

27%

31%

28%

33%Q

36%AQ

41%ANQ

25%

32%

IKL
Tend to disagree

1123

46

112

123

97

95

93

78

162

116

64

97

40

701

154

39

229

1120

22%HJ

22%

20%

29%ACEGH

22%

26%CGHJ

20%

18%

23%HJ

18%

26%CHJ

23%

28%HJ

23%

22%

24%

20%

22%

IJL
Strongly disagree

910

61

84

76

93

66

81

70

122

76

46

94

41

566

116

23

205

916

18%CJ

29%ACDEF

15%

18%J

21%CJ

18%J

17%J

16%J

18%J

12%

18%J

22%ACHJ

29%ACDFG

18%

17%

14%

18%

18%

256

GHIJKL
Don't know

HIJ

267

28

17

24

17

25

28

40

43

14

23

125

19

117

5%MNO

4%

5%M

4%

5%M

5%M

5%M

7%M

6%M

7%M

6%M

5%M

4%

3%

3%

10%ANOP

5%

Agree

1172

44

142

88

102

80

105

106

168

173

58

85

20

682

155

30

305

1184

23%

21%

25%LM

21%

23%

22%

22%

25%

24%

26%ADLM

23%

20%

14%

22%

22%

18%

27%ANOP

23%

Disagree

2033

107

196

199

190

161

174

148

284

193

110

192

81

1267

270

62

434

2036

40%CHJ

51%ACGHI

35%

47%ACGHJ

43%CHJ

44%CGHJ

37%J

34%

41%CHJ

30%

44%CHJ

44%ACGHJ

58%ACEFG

41%A

39%

38%

38%

40%

J
Net agree

HIJL

-861

-62

-53

-111

-88

-81

-69

-41

-116

-20

-52

-106

-61

-585

-116

-32

-128

-852

-17%

-30%

-9%

-26%

-20%

-22%

-15%

-10%

-17%

-3%

-21%

-25%

-43%

-19%

-17%

-19%

-11%

-17%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


E17b Here are some statements made by other people about insurance. Please indicate how strongly you agree or disagree with them.
Paying for life insurance is not necessary
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Unweighted total

Asian (E)

5079

3061

Weighted total

5079

2960

141

39

153

147

40*

158

Strongly agree

405

264

10

15

8%

9%A

7%

11%

Tend to agree

767

476

30

15%

16%A

Neither agree nor disagree

1607

887

32%B
1123
22%BH

Tend to disagree

Strongly disagree

Don't know

Agree

Disagree

Black (F)

Other (G)

BME (H)

54

15

261

5079

59*

15**

273

5079

25

411

10%

6%

15%

9%

8%

27

42

773

20%

15%

17%

10%

21%

15%

15%

52

15

47

28

93

1603

30%

35%

38%

30%

47%ABEH

20%

34%

32%

610

27

27

47

1120

21%

19%

21%

17%

16%

12%

17%

22%

910

576

21

21

34

916

18%H

19%AH

14%

15%

13%

10%

7%

13%

18%

267

146

21

32

256

5%

5%

5%

13%ABCD

12%ABD

24%

12%ABCD

5%

1172

741

39

10

42

67

1184

23%

25%A

27%

26%

27%

15%

36%

25%

23%

2033

1186

48

14

48

16

81

2036

40%EFH

40%EFH

33%

36%

30%

26%

20%

30%

40%

-861

-445

-9

-4

-6

-6

-14

-852

-17%

-15%

-6%

-10%

-4%

-11%

17%

-5%

-17%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E17c Here are some statements made by other people about insurance. Please indicate how strongly you agree or disagree with them.
I am confident that home contents insurance policies would pay out if I ever needed them to
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Strongly agree

861

439

422

41

83

122

155

460

441

421

431

47

64

19

10

884

17%DEF

18%

16%

7%

10%

14%DE

17%DE

25%ADEFG

17%

16%

18%A

15%

21%

16%

26%

32%AL

17%

1888

943

945

187

274

332

345

751

1032

856

836

129

126

66

15

15

1914

37%DEJK

38%

36%

31%

32%

38%DE

38%DE

41%ADE

41%AJ

34%

35%

42%K

41%

56%AKLM

57%

47%

38%

1248

589

658

188

297

243

197

323

592

656

572

68

70

19

1225

25%GHN

24%

25%

31%AGH

34%AFGH

28%AGH

22%H

18%

23%

26%

24%N

22%

23%

16%

11%

15%

24%

489

234

255

71

93

98

100

127

248

241

209

31

36

13

477

10%H

9%

10%

12%H

11%H

11%H

11%H

7%

10%

9%

9%

10%

12%

11%

7%

6%

9%
226

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

40,000 to
49,999 (O)

50,000+ (P)

225

115

109

20

46

37

58

65

105

120

107

11

4%H

5%

4%

3%

5%H

4%

6%ADH

4%

4%

5%

5%

4%

2%

2%

4%

368

147

221

95

73

39

49

112

113

255

204

19

353

7%BFGHIMN

6%

8%AB

16%AEFGH

8%FGH

5%

5%

6%

4%

10%AI

9%AMN

6%MN

2%

7%

2750

1382

1367

228

357

454

500

1210

1473

1277

1267

176

190

84

22

25

2798

54%CDEJ

56%AC

52%

38%

41%

52%DE

55%DE

66%ADEFG

58%AJ

50%

54%

58%

62%AK

72%AKL

82%

79%AKL

55%

Don't know

Agree

Disagree

713

349

364

91

139

134

157

192

353

361

316

42

43

15

703

14%H

14%

14%

15%H

16%H

15%H

17%AH

10%

14%

14%

13%

14%

14%

12%

7%

6%

14%

2036

1033

1003

138

218

320

343

1018

1120

916

950

134

147

70

20

23

2095

40%CDEFJ

42%AC

38%

23%

25%

37%DE

38%DE

55%ADEFG

44%AJ

36%

40%

44%

48%AK

59%AKLM

76%

73%AKLM

41%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E17c Here are some statements made by other people about insurance. Please indicate how strongly you agree or disagree with them.
I am confident that home contents insurance policies would pay out if I ever needed them to
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Strongly agree

861

311

143

406

204

647

490

372

151

710

33

157

88

564

263

532

884

17%BCFHIK

14%C

10%

27%ABC

22%AF

16%

18%AHI

16%

14%

18%AHI

8%

16%KM

11%

21%AKLM

16%

18%

17%

M
Tend to agree

1888

863

398

627

320

1533

1128

761

406

1483

139

287

227

1204

567

1212

1914

37%CEHKLM

40%AC

29%

41%AC

34%

39%AE

42%AHIJ

32%

38%H

37%H

32%

29%

27%

45%AKLM

34%

40%AO

38%

O
Neither agree nor disagree

1248

575

414

252

197

978

600

648

289

959

131

281

263

528

394

730

1225

25%DEGJN

27%AD

30%ABD

17%

21%

25%E

22%

27%AGJ

27%G

24%G

30%AN

29%AN

32%AN

20%

24%

24%

24%

489

216

169

103

86

396

260

229

114

375

53

78

109

236

188

270

477

10%DLN

10%D

12%ABD

7%

9%

10%

10%

10%

11%

9%

12%LN

8%

13%ALN

9%

11%AP

9%

9%

225

75

101

48

61

156

99

125

49

176

21

65

56

80

99

108

226

4%BDFGNP

3%

7%ABD

3%

6%AF

4%

4%

5%AGJ

5%

4%G

5%

7%AN

7%AN

3%

6%AP

4%

4%

368

127

148

84

75

250

124

244

67

301

59

108

85

78

140

147

353

7%BDFGNP

6%

11%ABD

6%

8%

6%

5%

10%AGIJ

6%G

8%G

13%AN

11%AN

10%AN

3%

9%AP

5%

7%

2750

1174

540

1033

524

2180

1617

1132

557

2193

172

444

315

1769

830

1744

2798

54%CHKLMO

54%C

39%

68%ABC

56%

55%A

60%AHIJ

48%

52%H

55%H

39%

46%KM

38%

66%AKLM

50%

58%AO

55%

713

290

271

151

147

552

359

354

163

551

74

143

165

316

287

378

703

14%DNP

13%D

20%ABD

10%

16%

14%

13%

15%J

15%

14%

17%N

15%N

20%ALN

12%

17%AP

13%

14%

Tend to disagree

Strongly disagree

Don't know

Agree

Disagree

Net agree

2036

884

270

883

376

1628

1258

778

395

1642

98

302

150

1453

543

1366

2095

40%CHIKLM

41%C

20%

58%ABC

40%

41%A

47%AHIJ

33%

37%H

41%AHI

22%

31%KM

18%

54%AKLM

33%

46%AO

41%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


E17c Here are some statements made by other people about insurance. Please indicate how strongly you agree or disagree with them.
I am confident that home contents insurance policies would pay out if I ever needed them to
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

Strongly agree

861

44

93

84

17%JMN

21%JM

17%JM

1888

75

37%JQ

36%

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern Several times


Ireland (M)
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

77

63

88

75

114

77

62

75

446

110

21

285

884

20%JM

17%JM

17%JM

19%JM

17%JM

17%JM

12%

25%ACEFH

17%JM

5%

14%

16%

13%

25%ANOP

17%

195

166

162

152

172

160

268

214

88

166

70

1179

278

66

365

1914

35%

39%J

36%

42%CJ

37%

37%

39%J

33%

36%

38%

50%ABCEG

38%AQ

40%Q

40%Q

32%

38%

IJLM
Tend to agree

HJK
Neither agree nor disagree

1248

54

162

98

99

75

112

113

160

184

47

97

47

796

186

50

216

1225

25%FKQ

26%

29%AEFIKL

23%

22%

21%

24%

26%K

23%

28%AEFIK

19%

22%

33%EFK

26%AQ

27%Q

30%Q

19%

24%

477

L
Tend to disagree

489

13

46

37

58

32

48

36

69

80

17

39

12

342

54

11

82

10%Q

6%

8%

9%

13%ABCFHK

9%

10%

8%

10%

12%ABCHK

7%

9%

9%

11%AOQ

8%

7%

7%

9%

Strongly disagree

225

10

29

16

15

16

20

20

28

32

12

25

134

28

53

226

4%

5%

5%

4%

3%

4%

4%

5%

4%

5%

5%

6%

1%

4%

4%

5%

5%

4%

Don't know

368

13

40

22

34

28

30

29

54

66

20

32

178

35

146

353

Agree

Disagree

Net agree

7%NO

6%

7%

5%

8%M

8%M

6%

7%

8%M

10%ADGM

8%M

7%

1%

6%

5%

5%

13%ANOP

7%

2750

120

289

250

240

215

260

234

383

291

150

241

78

1625

388

87

650

2798

54%JN

57%J

51%J

59%ACJ

54%J

59%CJ

55%J

54%J

55%J

45%

61%ACJ

56%J

55%

53%

56%

52%

57%N

55%

713

23

75

53

73

47

68

57

97

112

30

63

14

477

82

20

135

703

14%Q

11%

13%

13%

16%

13%

15%

13%

14%

17%ABD

12%

15%

10%

15%AOQ

12%

12%

12%

14%

2036

96

214

197

166

167

192

177

286

179

121

177

64

1148

307

66

515

2095

40%JN

46%CEJ

38%J

46%ACEJ

37%J

46%ACEJ

41%J

41%J

41%J

27%

49%ACEGH

41%J

45%J

37%

44%AN

40%

45%AN

41%

IJL

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


E17c Here are some statements made by other people about insurance. Please indicate how strongly you agree or disagree with them.
I am confident that home contents insurance policies would pay out if I ever needed them to
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Unweighted total

Asian (E)

5079

3061

Weighted total

5079

2960

141

39

153

147

40*

158

Strongly agree

861

615

19

12

17%EFH

21%ACEFH

13%F

10%

1888

1165

51

37%EFH

39%AEFH

1248

617

25%B
489

Other (G)

BME (H)

54

15

261

5079

59*

15**

273

5079

19

884

8%

2%

12%

7%

17%

12

45

10

71

1914

34%F

31%

29%

17%

19%

26%

38%

41

16

42

25

85

1225

21%

28%

40%AB

26%

41%ABE

21%

31%ABE

24%

250

17

24

12

42

477

10%B

8%

12%

12%

15%AB

20%AB

8%

15%AB

9%

225

123

11

13

226

4%

4%

7%

6%

4%

7%

5%

4%

Don't know

368

190

26

43

353

7%B

6%

6%

7%

16%ABC

15%ABC

32%

16%ABC

7%

Agree

2750

1780

69

16

58

11

90

2798

54%EFH

60%ACDEFH

47%FH

41%F

36%F

19%

32%

33%F

55%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Disagree

Net agree

Black (F)

713

374

28

33

14

55

703

14%B

13%

19%B

12%

21%AB

24%AB

15%

20%AB

14%

2036

1406

41

12

24

-3

35

2095

40%CEFH

48%ACDEFH

28%EFH

29%FH

15%F

-5%

17%

13%F

41%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E17d Here are some statements made by other people about insurance. Please indicate how strongly you agree or disagree with them.
I accept the risks and choose not to pay for home contents insurance
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Strongly agree

275

142

133

28

56

55

56

80

95

180

142

25

11

276

5%HI

6%

5%

5%

7%H

6%H

6%H

4%

4%

7%AI

6%

8%AM

4%

4%

7%

5%

550

268

281

90

127

115

91

127

216

334

260

24

39

10

527

11%HI

11%

11%

15%AGH

15%AGH

13%AGH

10%H

7%

9%

13%AI

11%

8%

13%

8%

9%

10%

805

414

391

169

211

149

105

171

321

485

362

30

35

774

16%GHILMN

17%

15%

28%AFGH

24%AFGH

17%GH

12%

9%

13%

19%AI

15%LN

10%N

11%N

3%

3%

3%

15%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

40,000 to
49,999 (O)

50,000+ (P)

686

360

325

90

107

115

112

262

350

336

339

47

37

17

687

14%C

15%AC

12%

15%

12%

13%

12%

14%

14%

13%

14%

15%

12%

15%

8%

18%

14%

2524

1189

1335

150

321

416

520

1118

1480

1044

1117

173

184

84

22

21

2586

50%BDEJK

48%

51%AB

25%

37%D

48%DE

58%ADEF

61%ADEF

58%AJ

41%

47%

57%AK

60%AK

71%AKLM

82%

64%

51%

239

95

145

75

44

21

19

80

69

170

139

229

5%BFGILMN

4%

6%AB

13%AEFGH

5%FG

2%

2%

4%FG

3%

7%AI

6%ALMN

2%

1%

6%MN

5%

825

410

415

119

183

170

146

206

311

514

402

49

50

14

803

16%HI

17%

16%

20%AH

21%AGH

20%AH

16%H

11%

12%

20%AI

17%

16%

16%

12%

7%

9%

16%
3273

Don't know

Agree

Disagree

3210

1549

1661

239

427

530

632

1381

1829

1380

1456

220

221

101

24

26

63%DEJK

63%

64%

40%

49%D

61%DE

70%ADEF

75%ADEFG

72%AJ

54%

62%

72%AK

72%AK

85%AKLM

89%

82%AK

64%

-2385

-1139

-1246

-121

-244

-360

-486

-1174

-1519

-866

-1054

-171

-171

-87

-22

-23

-2470

-47%

-46%

-48%

-20%

-28%

-41%

-54%

-64%

-60%

-34%

-45%

-56%

-56%

-74%

-82%

-72%

-49%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E17d Here are some statements made by other people about insurance. Please indicate how strongly you agree or disagree with them.
I accept the risks and choose not to pay for home contents insurance
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Strongly agree

275

106

117

52

76

195

115

160

73

202

10

96

79

85

138

120

276

5%DFGJKNP

5%D

9%ABD

3%

8%AF

5%

4%

7%AGJ

7%AGJ

5%G

2%

10%AKN

10%AKN

3%

8%AP

4%

5%

550

251

197

99

98

438

241

309

136

414

36

164

188

151

260

260

527

11%DGJNP

12%D

14%ABD

7%

10%

11%

9%

13%AGJ

13%AGJ

10%G

8%N

17%AKN

23%AKLN

6%

16%AP

9%

10%

805

334

332

133

143

602

313

492

169

636

143

210

197

211

286

412

774

16%DFGNP

15%D

24%ABD

9%

15%

15%

12%

21%AGIJ

16%G

16%G

33%ALMN

22%AN

24%AN

8%

17%AP

14%

15%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

686

295

176

213

110

556

372

314

133

553

72

110

119

372

196

438

687

14%LO

14%

13%

14%

12%

14%A

14%

13%

12%

14%

16%L

11%

14%

14%L

12%

15%AO

14%

2524

1106

456

960

477

2012

1592

932

530

1994

122

334

206

1821

697

1675

2586

50%CHKLMO

51%C

33%

63%ABC

51%

51%A

59%AHIJ

39%

49%H

50%H

28%

34%KM

25%

68%AKLM

42%

56%AO

51%

239

73

94

62

40

158

67

172

34

205

53

62

38

49

74

93

229

5%BFGINP

3%

7%ABD

4%

4%

4%

2%

7%AGIJ

3%

5%AGI

12%ALMN

6%AN

5%N

2%

4%P

3%

5%

825

357

315

151

174

633

356

469

209

615

47

260

267

236

398

381

803

16%DGJKNP

16%D

23%ABD

10%

18%A

16%

13%

20%AGJ

19%AGJ

15%G

11%

27%AKN

32%AKLN

9%

24%AP

13%

16%
3273

Don't know

Agree

Disagree

3210

1401

632

1173

586

2568

1964

1246

663

2547

193

444

326

2193

893

2113

63%CHKLMO

65%C

46%

77%ABC

62%

65%A

73%AHIJ

52%

62%H

64%H

44%

45%M

39%

82%AKLM

54%

70%AO

64%

-2385

-1044

-318

-1022

-412

-1935

-1608

-778

-454

-1931

-147

-184

-58

-1957

-495

-1732

-2470

-47%

-48%

-23%

-67%

-44%

-49%

-60%

-33%

-42%

-48%

-34%

-19%

-7%

-73%

-30%

-58%

-49%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


E17d Here are some statements made by other people about insurance. Please indicate how strongly you agree or disagree with them.
I accept the risks and choose not to pay for home contents insurance
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

Strongly agree

275

19

41

13

5%DFIMP

9%ADEFHI

7%ADFIM

3%

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

418

406

441

705

620

257

365

470

433

693

653

247

21

11

27

21

25

53

5%M

3%

6%M

5%M

4%

8%ADEFHI

M
Tend to agree

Unweigh
ted total

Internet usage
Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

468

72

3074

723

173

1109

5079

433

141*

3076

691

165

1147

5079

16

28

169

28

76

276

7%DFM

7%DFIM

5%P

4%

1%

7%OP

5%

550

15

89

31

55

25

38

39

70

97

27

41

24

320

61

18

151

527

11%DF

7%

16%ABDFGHIL

7%

12%BDFG

7%

8%

9%

10%

15%ABDFG

11%

10%

17%BDFGH

10%

9%

11%

13%ANO

10%

805

32

103

66

64

52

71

69

100

137

39

58

17

504

86

26

189

774

16%O

15%

18%L

15%

14%

14%

15%

16%

14%

21%ADEFG

16%

13%

12%

16%O

12%

16%

16%O

15%

686

29

75

51

61

64

56

58

82

109

34

50

19

398

108

27

153

687

14%

14%

13%

12%

14%

17%ADGIL

12%

13%

12%

17%ADGIL

14%

11%

13%

13%

16%

16%

13%

14%

HIL
Neither agree nor disagree

HIL
Tend to disagree

Strongly disagree

2524

109

235

250

228

193

258

221

380

217

121

232

82

1583

390

88

463

2586

50%CJQ

52%CJ

42%J

59%ACEHJ

51%CJ

53%CJ

55%ACJ

51%CJ

55%ACJ

33%

49%CJ

54%CJ

58%CJ

51%AQ

56%ANQ

54%Q

40%

51%

229

K
Don't know

239

22

14

17

21

20

25

37

42

10

23

102

19

114

5%NO

4%

4%

3%

4%

6%M

4%

6%M

5%M

6%ADM

4%

5%M

3%

3%

3%

10%ANOP

5%

825

34

130

43

76

36

65

60

95

149

43

70

24

489

89

20

227

803

16%DFIO

16%DF

23%ABDEFGH

10%

17%DF

10%

14%

14%

14%

23%ABDEF

17%DF

16%DF

17%

16%O

13%

12%

20%ANOP

16%

3273

Agree

IL
Disagree

Net agree

GHIL

3210

137

310

301

289

257

314

279

461

325

155

282

100

1981

498

115

616

63%CJQ

65%CJ

55%

71%ACHJK

65%CJ

70%ACJK

67%CJ

64%CJ

67%ACJ

50%

63%CJ

65%CJ

71%CJ

64%AQ

72%ANQ

70%Q

54%

64%

-2385

-104

-180

-257

-212

-221

-249

-219

-367

-176

-112

-212

-76

-1492

-409

-95

-388

-2470

-47%

-49%

-32%

-61%

-48%

-60%

-53%

-51%

-53%

-27%

-45%

-49%

-54%

-49%

-59%

-58%

-34%

-49%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


E17d Here are some statements made by other people about insurance. Please indicate how strongly you agree or disagree with them.
I accept the risks and choose not to pay for home contents insurance
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Unweighted total

5079

3061

Weighted total

5079

2960

Strongly agree

275

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Mixed race
(D)

Asian (E)

141

39

153

147

40*

158

158

12

5%

5%

8%

12%F

550

268

28

11%B

9%

805

380

16%B

13%

Black (F)

Other (G)

BME (H)

54

15

261

5079

59*

15**

273

5079

16

276

6%

2%

7%

6%

5%

34

11

56

527

19%AB

16%

22%AB

19%B

29%

21%AB

10%

31

11

44

18

75

774

21%B

27%B

28%AB

30%AB

14%

27%AB

15%

686

388

17

27

36

687

14%

13%

11%

3%

17%DH

12%

7%

13%D

14%

2524

1651

50

15

24

12

54

2586

50%CEFH

56%ACDEFH

34%EH

37%EH

15%

21%

18%

20%E

51%

239

115

10

21

10

36

229

5%B

4%

7%

5%

13%AB

16%ABC

25%

13%ABC

5%

825

426

40

11

43

12

72

803

16%B

14%

27%AB

28%AB

27%AB

21%

36%

26%AB

16%
3273

Don't know

Agree

Disagree

3210

2039

66

16

51

20

90

63%CDEFH

69%ACDEFH

45%EH

40%

32%

33%

25%

33%

64%

-2385

-1613

-26

-5

-8

-7

-18

-2470

-47%

-54%

-18%

-12%

-5%

-12%

11%

-7%

-49%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


E17 Here are some statements made by other people about insurance. Please indicate how strongly you agree or disagree with them.
Summary table
Base: all respondents

I am
I can
confident
generally
that home
trust the
contents
I accept the
information
insurance
risks and
provided by
policies
choose not
insurance Paying for life would pay
to pay for
companies insurance is out if I ever
home
about their
not
needed them
contents
policies
necessary
to
insurance
Unweighted total

5079

5079

5079

5079

Weighted total

5079

5079

5079

5079

Strongly agree

310

405

861

275

6%

8%

17%

5%

Tend to agree

1662

767

1888

550

33%

15%

37%

11%

Neither agree nor disagree

1747

1607

1248

805

34%

32%

25%

16%

714

1123

489

686

14%

22%

10%

14%

356

910

225

2524

7%

18%

4%

50%

289

267

368

239

6%

5%

7%

5%

Agree

1972

1172

2750

825

39%

23%

54%

16%

Disagree

1070

2033

713

3210

21%

40%

14%

63%

902

-861

2036

-2385

18%

-17%

40%

-47%

Tend to disagree

Strongly disagree

Don't know

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)

Money Advice Service - Financial Capability Tracker Survey - FINAL


F1a Here are some statements made by other people about saving for the future and retirement. Please indicate how strongly you agree or disagree with them.
Pensions are the best way to save for retirement
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Strongly agree

923

480

443

88

113

121

132

468

467

455

467

55

59

26

938

18%CDEFG

19%AC

17%

15%

13%

14%

15%

25%ADEFG

18%

18%

20%A

18%

19%

22%

26%

24%

18%

1740

865

875

208

316

295

274

646

952

788

791

125

136

53

14

13

1746

34%GJ

35%

34%

35%

37%G

34%

30%

35%G

38%AJ

31%

34%

41%AK

44%AK

45%AK

52%

40%

34%

1501

717

785

184

263

307

306

441

697

805

666

69

77

25

1491

30%HILN

29%

30%

31%H

30%H

35%AEH

34%AH

24%

28%

32%AI

28%L

23%

25%

21%

14%

21%

29%

472

225

247

49

91

73

117

143

233

239

210

33

20

14

465

9%H

9%

9%

8%

10%H

8%

13%ADFH

8%

9%

9%

9%

11%

7%

12%

4%

10%

9%

214

109

105

19

28

44

44

79

87

127

100

10

12

215

4%I

4%

4%

3%

3%

5%

5%

4%

3%

5%AI

4%

3%

4%

1%

4%

4%

4%

229

73

156

54

55

30

31

60

94

135

125

13

224

5%BHIMN

3%

6%AB

9%AFGH

6%AFGH

3%

3%

3%

4%

5%AI

5%AMN

4%MN

1%

4%

2663

1345

1318

296

429

417

406

1114

1419

1243

1258

180

195

79

21

21

2684

52%CFGJ

54%AC

50%

49%

50%

48%

45%

61%ADEFG

56%AJ

49%

53%

59%A

63%AK

67%AK

78%

64%

53%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

Agree

Disagree

Net agree

40,000 to
49,999 (O)

50,000+ (P)

686

334

352

68

118

117

160

222

320

366

309

43

33

15

680

14%H

14%

13%

11%

14%

13%

18%ADEFH

12%

13%

14%

13%

14%

11%

12%

9%

14%

13%

1977

1011

966

229

311

299

246

892

1099

877

949

137

162

64

19

16

2004

39%CFGJ

41%AC

37%

38%G

36%G

34%G

27%

49%ADEFG

43%AJ

34%

40%

45%A

53%AK

54%AK

69%

50%

39%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F1a Here are some statements made by other people about saving for the future and retirement. Please indicate how strongly you agree or disagree with them.
Pensions are the best way to save for retirement
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Strongly agree

923

315

191

417

191

717

509

413

173

750

56

167

110

573

251

612

938

18%BCKMO

15%

14%

27%ABC

20%

18%

19%I

17%

16%

19%AH

13%

17%KM

13%

21%AKLM

15%

20%AO

18%

1740

761

417

561

293

1414

958

782

380

1360

144

295

298

972

547

1085

1746

34%CEL

35%C

30%

37%AC

31%

36%AE

35%

33%

35%

34%

33%

30%

36%L

36%AL

33%

36%AO

34%

1501

678

482

332

285

1131

768

733

340

1161

146

327

244

714

518

812

1491

30%DFNP

31%AD

35%ABD

22%

30%

29%

28%

31%J

32%G

29%

34%N

33%AN

29%

27%

31%P

27%

29%

472

236

130

103

74

385

262

210

102

371

34

77

92

257

163

279

465

9%D

11%AD

10%D

7%

8%

10%

10%

9%

9%

9%

8%

8%

11%L

10%

10%

9%

9%
215

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

214

95

61

57

54

152

114

99

40

173

16

58

36

103

91

104

4%FP

4%

4%

4%

6%AF

4%

4%

4%

4%

4%

4%

6%AN

4%

4%

6%AP

3%

4%

229

82

91

49

47

160

88

142

41

189

40

53

48

71

81

106

224

5%BDFGNP

4%

7%ABD

3%

5%

4%

3%

6%AGIJ

4%

5%G

9%ALMN

5%N

6%N

3%

5%P

4%

4%

2663

1075

608

978

484

2131

1467

1195

553

2110

200

462

409

1546

798

1697

2684

52%BCHKLO

50%C

44%

64%ABC

51%

54%A

54%AHIJ

50%

51%

53%H

46%

47%

49%

57%AKLM

48%

57%AO

53%

Don't know

Agree

Disagree

Net agree

686

331

192

161

128

537

377

309

142

544

50

134

128

360

254

383

680

14%D

15%AD

14%D

11%

14%

14%

14%

13%

13%

14%

11%

14%

15%

13%

15%AP

13%

13%

1977

744

416

817

356

1594

1091

886

410

1566

150

328

281

1186

544

1315

2004

39%BCHLMO

34%C

30%

54%ABC

38%

40%A

40%AH

37%

38%

39%H

34%

34%

34%

44%AKLM

33%

44%AO

39%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


F1a Here are some statements made by other people about saving for the future and retirement. Please indicate how strongly you agree or disagree with them.
Pensions are the best way to save for retirement
Base: all respondents

Region

Total (A)

NorthWest
NorthEast (B)
(C)

Yorkshire
and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern Several times Once a day 2 to 5 times a Once a week


Ireland (M)
a day (N)
(O)
week (P)
or less (Q)

Unweighted total

5079

235

622

406

429

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

Weighted total

5079

210

565

423

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

Strongly agree

923

44

142

84

64

57

81

77

125

93

45

94

17

473

111

22

317

938

18%EJN

21%EJ

25%AEFGHIJ

20%EJ

14%

16%

17%

18%

18%

14%

18%

22%AEFJ

12%

15%

16%

13%

28%ANOP

18%

1740

66

178

145

149

127

155

151

244

242

81

151

49

1076

246

52

366

1746

34%

31%

31%

34%

34%

35%

33%

35%

35%

37%C

33%

35%

35%

35%

36%

32%

32%

34%

1501

59

153

118

143

112

149

147

194

182

72

129

41

956

223

61

261

1491

30%Q

28%

27%

28%

32%

31%

32%

34%ACIJ

28%

28%

29%

30%

29%

31%AQ

32%Q

37%AQ

23%

29%

472

20

40

38

52

36

47

29

67

68

24

30

21

314

52

18

88

465

9%HQ

9%

7%

9%

12%CHL

10%

10%

7%

10%

10%HL

10%

7%

15%CHL

10%AOQ

8%

11%

8%

9%

214

13

24

22

20

16

15

16

25

28

12

16

133

16

59

215

KM
Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

4%O

6%

4%

5%

4%

4%

3%

4%

4%

4%

5%

4%

4%

4%O

2%

3%

5%O

4%

Don't know

229

27

15

18

17

22

13

37

40

12

12

125

43

55

224

5%

4%

5%

4%

4%

5%

5%

3%

5%HL

6%AHL

5%

3%

5%

4%

6%AN

4%

5%

4%

Agree

2663

110

319

229

213

184

237

228

370

335

126

245

66

1548

357

74

683

2684

52%NP

52%

57%AEF

54%

48%

50%

50%

53%

53%

51%

51%

57%E

47%

50%

52%

45%

60%ANOP

53%

686

32

65

61

71

52

62

45

92

95

37

46

28

447

68

24

147

680

14%HO

15%

11%

14%

16%CHL

14%

13%

10%

13%

15%H

15%

11%

20%HL

15%AO

10%

14%

13%

13%

Disagree

Net agree

1977

77

255

168

142

131

175

183

278

240

89

199

39

1101

289

50

536

2004

39%EMNP

37%

45%ABEFGJK

40%EM

32%

36%

37%

42%EM

40%EM

37%

36%

46%ABEFG

27%

36%

42%NP

31%

47%ANOP

39%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

IJKM

Money Advice Service - Financial Capability Tracker Survey - FINAL


F1a Here are some statements made by other people about saving for the future and retirement. Please indicate how strongly you agree or disagree with them.
Pensions are the best way to save for retirement
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Unweighted total

Asian (E)

5079

3061

Weighted total

5079

2960

141

39

153

147

40*

158

Strongly agree

923

604

27

25

18%

20%A

18%

13%

Tend to agree

1740

1037

49

34%

35%

Neither agree nor disagree

1501

824

30%B
472

Other (G)

BME (H)

54

15

261

5079

59*

15**

273

5079

44

938

16%

16%

34%

16%

18%

12

61

17

95

1746

33%

31%

39%

29%

24%

35%

34%

43

16

40

19

79

1491

28%

29%

41%

25%

33%

21%

29%

29%

252

15

16

23

465

9%B

8%

10%

3%

10%

10%

9%

9%

214

123

10

215

4%

4%

3%

8%E

2%

4%

7%

4%

4%

Don't know

229

120

12

21

224

5%B

4%

6%

4%

8%AB

8%

13%

8%AB

4%

Agree

2663

1641

76

17

86

27

139

2684

52%

55%A

52%

43%

54%

45%

58%

51%

53%

Tend to disagree

Strongly disagree

Disagree

Net agree

Black (F)

686

375

20

19

33

680

14%B

13%

14%

11%

12%

14%

7%

12%

13%

1977

1266

56

13

67

19

106

2004

39%

43%A

38%

32%

42%

31%

52%

39%

39%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F1b Here are some statements made by other people about saving for the future and retirement. Please indicate how strongly you agree or disagree with them.
I prefer to live for today than plan for tomorrow
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Strongly agree

308

157

151

38

50

39

49

131

96

212

178

13

15

304

6%FIN

6%

6%

6%

6%

4%

5%

7%AF

4%

8%AI

8%AN

4%

5%

1%

4%

6%N

6%

907

463

444

142

170

166

161

268

407

500

420

53

61

25

893

18%HI

19%

17%

24%AFGH

20%H

19%H

18%H

15%

16%

20%AI

18%

17%

20%

21%

11%

9%

18%

1483

721

762

183

288

286

276

452

714

770

623

101

81

16

1470

29%HKN

29%

29%

30%H

33%AH

33%AH

31%H

25%

28%

30%

26%N

33%KN

26%N

14%

11%

20%

29%

1367

620

747

155

233

243

237

499

769

598

620

88

98

44

14

1381

27%BJ

25%

29%AB

26%

27%

28%

26%

27%

30%AJ

23%

26%

29%

32%K

38%AK

53%

27%

27%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

40,000 to
49,999 (O)

50,000+ (P)

937

474

462

69

106

133

177

452

516

420

476

50

52

32

11

958

18%DEFJ

19%

18%

11%

12%

15%D

20%DEF

25%ADEFG

20%AJ

16%

20%A

16%

17%

27%ALM

22%

36%AKLM

19%

Don't know

77

32

45

15

19

35

28

49

42

73

2%FGIM

1%

2%

3%AFG

2%FG

1%

2%FG

1%

2%AI

2%M

3%M

1%

Agree

Disagree

1215

620

595

180

221

205

210

399

503

712

597

66

76

26

1197

24%HI

25%

23%

30%AFGH

25%H

24%

23%

22%

20%

28%AI

25%A

22%

25%

22%

15%

15%

24%
2339

2304

1095

1209

224

339

375

414

951

1285

1018

1096

137

150

76

20

20

45%DEJ

44%

46%

37%

39%

43%D

46%DE

52%ADEFG

51%AJ

40%

46%

45%

49%

64%AKLM

75%

62%

46%

-1089

-474

-614

-44

-119

-170

-204

-552

-783

-306

-499

-71

-75

-50

-16

-15

-1142

-21%

-19%

-24%

-7%

-14%

-20%

-23%

-30%

-31%

-12%

-21%

-23%

-24%

-42%

-60%

-47%

-22%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F1b Here are some statements made by other people about saving for the future and retirement. Please indicate how strongly you agree or disagree with them.
I prefer to live for today than plan for tomorrow
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Strongly agree

308

93

112

103

87

216

102

206

52

256

30

105

51

118

139

149

304

6%BFGNP

4%

8%AB

7%B

9%AF

5%

4%

9%AGIJ

5%

6%G

7%N

11%AKMN

6%N

4%

8%AP

5%

6%

907

417

272

215

172

716

422

485

196

711

107

210

177

396

339

511

893

18%DGN

19%AD

20%AD

14%

18%

18%

16%

20%AGJ

18%G

18%G

25%AN

22%AN

21%AN

15%

21%AP

17%

18%

1483

664

443

367

266

1132

763

721

333

1150

122

306

265

725

493

816

1470

29%DNP

31%D

32%AD

24%

28%

29%

28%

30%J

31%G

29%

28%

31%N

32%N

27%

30%

27%

29%

1367

627

325

413

211

1118

808

559

315

1052

111

212

208

805

403

879

1381

27%CEHJLO

29%AC

24%

27%C

22%

28%AE

30%AHJ

24%

29%H

26%H

25%

22%

25%

30%ALM

24%

29%AO

27%

937

343

200

394

194

732

579

358

171

766

56

128

117

618

258

612

958

18%BCHIKL

16%

15%

26%ABC

21%

18%

21%AHIJ

15%

16%

19%AHI

13%

13%

14%

23%AKLM

16%

20%AO

19%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

MO
Don't know

77

23

21

27

13

46

27

50

68

10

16

10

27

19

31

73

2%BFGINP

1%

2%

2%

1%

1%

1%

2%AGI

1%

2%AGI

2%N

2%

1%

1%

1%

1%

1%
1197

Agree

1215

509

384

319

259

932

524

691

248

967

137

315

228

515

478

660

24%DGNP

24%

28%ABD

21%

27%AF

24%

19%

29%AGIJ

23%G

24%G

31%AN

32%AMN

27%AN

19%

29%AP

22%

24%

2304

970

525

807

405

1849

1386

917

486

1818

167

340

325

1423

661

1491

2339

45%CHKLMO

45%C

38%

53%ABC

43%

47%AE

51%AHIJ

39%

45%H

45%H

38%

35%

39%

53%AKLM

40%

50%AO

46%

-1089

-461

-140

-488

-147

-917

-862

-227

-238

-851

-29

-25

-97

-908

-183

-831

-1142

-21%

-21%

-10%

-32%

-16%

-23%

-32%

-10%

-22%

-21%

-7%

-3%

-12%

-34%

-11%

-28%

-22%

Disagree

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


F1b Here are some statements made by other people about saving for the future and retirement. Please indicate how strongly you agree or disagree with them.
I prefer to live for today than plan for tomorrow
Base: all respondents

Region

Total (A)

NorthWest
NorthEast (B)
(C)

Yorkshire
and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern Several times Once a day 2 to 5 times a Once a week


Ireland (M)
a day (N)
(O)
week (P)
or less (Q)

Unweighted total

5079

235

622

406

429

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

Weighted total

5079

210

565

423

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

Strongly agree

308

16

53

22

30

29

27

19

29

28

17

37

137

19

153

304

6%IJNOP

8%IJM

9%ADGHIJM

5%

7%

8%HIJM

6%

4%

4%

4%

7%

8%AHIJM

1%

4%OP

3%P

13%ANOP

6%

907

49

128

69

73

67

70

81

132

96

45

63

34

548

97

31

230

893

18%JO

23%ADEGJ

23%ADEGJL

16%

16%

18%

15%

19%

19%J

15%

18%

15%

24%J

18%O

14%

19%

20%AO

18%

1470

Tend to agree

L
Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

Agree

Disagree

Net agree

1483

51

146

115

149

103

151

132

197

212

75

118

34

931

229

57

266

29%CQ

24%

26%

27%

34%ABCL

28%

32%BC

31%

28%

32%BC

30%

27%

24%

30%AQ

33%AQ

35%Q

23%

29%

1367

53

130

120

103

102

131

115

189

187

58

132

46

886

213

47

220

1381

27%CQ

25%

23%

28%

23%

28%

28%

26%

27%

29%C

24%

30%CE

33%

29%AQ

31%AQ

29%Q

19%

27%

937

38

101

93

83

62

83

83

126

119

47

76

25

547

126

27

237

958

18%

18%

18%

22%

19%

17%

18%

19%

18%

18%

19%

18%

18%

18%

18%

16%

21%AN

19%

77

20

12

28

41

73

2%N

1%

1%

1%

1%

1%

2%

1%

3%ACDFH

2%

2%

1%

1%

1%

1%

4%ANO

1%

1215

65

181

91

103

96

96

99

162

124

61

100

36

685

116

31

383

1197

24%JNO

31%ADEGH

32%ADEFGHI

22%

23%

26%J

21%

23%

23%

19%

25%

23%

25%

22%O

17%

19%

33%ANOP

24%

IJL

JKL
2339

2304

92

231

213

186

163

215

197

315

306

106

208

72

1432

339

75

457

45%CQ

44%

41%

50%ACE

42%

45%

46%

46%

45%

47%C

43%

48%C

51%

47%AQ

49%AQ

45%

40%

46%

-1089

-26

-50

-122

-84

-67

-118

-98

-153

-182

-44

-108

-36

-747

-224

-43

-75

-1142

-21%

-12%

-9%

-29%

-19%

-18%

-25%

-23%

-22%

-28%

-18%

-25%

-26%

-24%

-32%

-26%

-7%

-22%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


F1b Here are some statements made by other people about saving for the future and retirement. Please indicate how strongly you agree or disagree with them.
I prefer to live for today than plan for tomorrow
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Unweighted total

5079

3061

Weighted total

5079

2960

Strongly agree

308

Tend to agree

Mixed race
(D)

Asian (E)

141

39

153

147

40*

158

199

6%

7%A

6%

3%

907

524

15

Black (F)

Other (G)

BME (H)

54

15

261

5079

59*

15**

273

5079

14

304

5%

5%

15%

5%

6%

33

50

893

18%C

18%C

10%

10%

21%C

14%

26%

18%C

18%

Neither agree nor disagree

1483

840

46

19

37

13

71

1470

29%

28%

31%

48%ABEFH

23%

22%

13%

26%

29%

Tend to disagree

1367

766

41

33

22

62

1381

27%BD

26%

28%

13%

21%

37%DEH

12%

23%

27%

Strongly disagree

Don't know

Agree

Disagree

Net agree

937

587

34

11

43

66

958

18%

20%A

23%

27%

27%AB

15%

20%

24%A

19%

77

44

73

2%

1%

1%

2%

7%AB

13%

3%AB

1%

1215

723

24

42

11

64

1197

24%C

24%C

16%

13%

26%C

19%

41%

23%

24%

2304

1353

75

16

77

31

128

2339

45%

46%

51%

39%

49%

52%

33%

47%

46%

-1089

-630

-51

-10

-35

-20

-64

-1142

-21%

-21%

-35%

-26%

-22%

-34%

8%

-24%

-22%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F1c Here are some statements made by other people about saving for the future and retirement. Please indicate how strongly you agree or disagree with them.
It is important to have some money saved in case my life changes dramatically
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Strongly agree

1683

805

877

177

242

272

264

727

903

780

808

97

112

54

13

16

1707

33%DEGJ

33%

34%

29%

28%

31%

29%

40%ADEFG

36%AJ

31%

34%

32%

36%

46%AKL

49%

48%

34%

2285

1066

1219

270

410

383

431

790

1202

1083

1045

158

161

53

14

14

2282

45%BHJ

43%

47%AB

45%

47%H

44%

48%H

43%

48%AJ

42%

44%

52%AK

52%AK

45%

51%

43%

45%

831

453

377

110

165

171

166

219

331

499

368

40

29

812

16%CHIMNP

18%AC

14%

18%H

19%AH

20%AH

18%H

12%

13%

20%AI

16%MNP

13%NP

9%

4%

16%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

40,000 to
49,999 (O)

50,000+ (P)

127

64

63

20

21

25

21

39

44

82

52

127

2%I

3%

2%

3%

2%

3%

2%

2%

2%

3%AI

2%

3%

1%

3%

6%M

3%

76

45

31

11

15

32

21

55

41

75

1%CI

2%

1%

2%

1%

1%

2%

2%

1%

2%AI

2%

1%

1%

2%

2%

1%

78

35

44

15

18

10

30

28

50

44

76

2%GILM

1%

2%

3%AFG

2%G

1%

1%

2%G

1%

2%AI

2%LM

1%

Agree

3968

1871

2096

447

652

655

696

1517

2105

1862

1853

255

272

107

27

30

3989

78%BDEFJ

76%

80%AB

74%

75%

75%

77%

83%ADEFG

83%AJ

73%

79%

83%A

89%AK

91%AK

100%

92%

79%

203

109

93

30

32

34

35

72

65

137

93

10

202

4%I

4%

4%

5%

4%

4%

4%

4%

3%

5%AI

4%

3%

2%

5%

8%M

4%

3765

1762

2003

418

620

621

660

1446

2040

1725

1760

244

266

102

27

27

3787

74%BDFJ

71%

77%AB

69%

72%

71%

73%

79%ADEFG

81%AJ

68%

75%

80%AK

86%AKL

86%AK

100%

83%

75%

Disagree

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F1c Here are some statements made by other people about saving for the future and retirement. Please indicate how strongly you agree or disagree with them.
It is important to have some money saved in case my life changes dramatically
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent
(J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Strongly agree

1683

667

389

624

329

1332

968

715

322

1361

133

229

238

1050

467

1125

1707

33%BCHILM

31%

28%

41%ABC

35%

34%

36%AHIJ

30%

30%

34%AHI

30%L

23%

29%L

39%AKLM

28%

38%AO

34%

O
Tend to agree

2285

1082

563

637

365

1873

1248

1037

493

1792

200

414

381

1248

709

1413

2282

45%CDEO

50%ACD

41%

42%

39%

47%AE

46%

44%

46%

45%

46%

42%

46%

46%AL

43%

47%AO

45%

831

329

312

182

183

569

369

462

214

617

80

238

155

304

348

351

812

16%DFGJNP

15%D

23%ABD

12%

19%AF

14%

14%

19%AGJ

20%AGJ

15%G

18%N

24%AKMN

19%N

11%

21%AP

12%

16%

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

127

47

50

29

31

91

57

70

26

101

10

46

27

40

66

52

127

2%GNP

2%

4%ABD

2%

3%

2%

2%

3%

2%

3%

2%

5%AKN

3%N

1%

4%AP

2%

3%

76

20

30

25

18

53

33

43

67

27

15

25

34

30

75

1%BINP

1%

2%AB

2%

2%

1%

1%

2%I

1%

2%AGI

1%

3%AN

2%N

1%

2%AP

1%

1%

78

21

29

22

17

43

26

53

13

66

22

13

22

26

28

76

2%BFGNP

1%

2%B

1%

2%

1%

1%

2%AGIJ

1%

2%G

2%

2%N

2%

1%

2%

1%

1%

Agree

3968

1748

952

1261

693

3205

2216

1752

815

3153

332

643

619

2299

1176

2538

3989

78%CEHILM

81%AC

69%

83%AC

73%

81%AE

82%AHIJ

74%

76%

79%AHI

76%L

66%

75%L

85%AKLM

71%

85%AO

79%

202

O
Disagree

203

68

80

54

49

144

90

113

35

168

16

73

41

65

100

81

4%BFGNP

3%

6%ABD

4%

5%AF

4%

3%

5%AGI

3%

4%G

4%

8%AKMN

5%N

2%

6%AP

3%

4%

3765

1681

872

1207

644

3061

2126

1639

780

2985

316

570

578

2234

1076

2457

3787

74%CEHLMO

78%AC

64%

79%AC

68%

77%AE

79%AHIJ

69%

73%H

75%H

72%L

58%

70%L

83%AKLM

65%

82%AO

75%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


F1c Here are some statements made by other people about saving for the future and retirement. Please indicate how strongly you agree or disagree with them.
It is important to have some money saved in case my life changes dramatically
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

Strongly agree

1683

69

179

158

33%GP

33%

32%

37%FG

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

418

406

441

705

620

257

365

470

433

693

653

247

140

109

131

137

255

246

31%

30%

28%

32%

37%AFG

38%ACEFG

2 to 5 times a Once a week


week (P)
or less (Q)

468

72

3074

723

173

1109

5079

433

141*

3076

691

165

1147

5079

75

148

37

1037

219

41

385

1707

30%

34%G

26%

34%P

32%

25%

34%P

34%

HK
Tend to agree

2285

101

260

201

199

168

233

181

297

257

127

181

81

1422

327

83

454

2282

45%JQ

48%J

46%J

47%J

45%

46%J

50%HIJL

42%

43%

39%

51%AHIJL

42%

58%AEHIJ

46%AQ

47%Q

50%Q

40%

45%

L
Neither agree nor disagree

831

32

89

50

64

64

80

95

114

115

31

79

19

492

109

35

195

812

16%D

15%

16%

12%

14%

17%D

17%D

22%ABCDE

16%D

18%D

13%

18%D

14%

16%

16%

21%

17%

16%

127

15

23

18

15

10

10

12

68

17

39

127

2%I

1%

3%I

2%

5%ABCDHI

5%ABDHIJ

3%I

2%

1%

2%

2%

3%

2%

3%

2%

3%AN

3%

JM

IK
Tend to disagree

Strongly disagree

Don't know

Agree

76

13

13

10

33

37

75

1%IN

2%

2%GI

1%

3%AFGI

1%

1%

1%

1%

2%

1%

2%

3%

1%

1%

3%ANOP

1%

78

15

16

26

13

38

76

2%N

2%

1%

1%

1%

1%

2%

1%

2%D

2%D

3%D

1%

1%

2%N

1%

3%AN

1%

3968

169

439

359

339

277

364

318

551

502

202

330

118

2458

546

124

839

3989

78%HQ

81%H

78%

85%ACEFG

76%

76%

77%

73%

80%H

77%

82%H

76%

84%

80%AQ

79%Q

75%

73%

79%

HIJL
Disagree

203

29

12

36

21

18

16

13

20

19

100

23

76

202

4%IN

3%

5%I

3%

8%ABCDGH

6%ADIJ

4%I

4%

2%

3%

3%

4%I

3%

3%

3%

2%

7%ANOP

4%

IJKL
Net agree

3765

164

411

347

302

255

345

302

538

482

194

311

115

2358

523

120

763

3787

74%EFHQ

78%EFH

73%

82%ACEFG

68%

70%

74%

70%

78%ACEFH

74%E

78%EFH

72%

81%EFH

77%AQ

76%Q

73%

67%

75%

HJL

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


F1c Here are some statements made by other people about saving for the future and retirement. Please indicate how strongly you agree or disagree with them.
It is important to have some money saved in case my life changes dramatically
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Unweighted total

Asian (E)

5079

3061

Weighted total

5079

2960

141

39

153

147

40*

158

Strongly agree

1683

1020

67

12

49

33%

34%A

45%ABEFH

30%

2285

1322

49

45%CEH

45%CEH

831

460

16%

16%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

Agree

Black (F)

Other (G)

BME (H)

54

15

261

5079

59*

15**

273

5079

16

84

1707

31%

28%

43%

31%

34%

15

55

22

96

2282

33%

36%

35%

36%

32%

35%

45%

25

11

39

61

812

17%

29%AB

25%AB

15%

12%

23%AB

16%

127

66

11

127

2%

2%

2%

4%

8%AB

4%

3%

76

48

10

75

1%

2%

1%

5%

3%

5%

4%AB

1%

78

44

10

76

2%

1%

1%

2%

8%ABCE

13%

4%AB

1%

3968

2342

115

27

104

38

11

180

3989

78%EFH

79%AEFH

79%EFH

67%

66%

64%

75%

66%

79%

203

114

12

21

202

4%

4%

3%

5%

8%AB

12%ABC

8%ABC

4%

3765

2228

111

25

92

31

11

159

3787

74%EFH

75%AEFH

76%EFH

62%

58%

52%

75%

58%

75%

Disagree

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F1d Here are some statements made by other people about saving for the future and retirement. Please indicate how strongly you agree or disagree with them.
I have a plan for how to pay for the care I will need in my old age
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Strongly agree

427

232

195

34

61

48

57

227

215

212

211

20

27

19

421

8%CDFG

9%AC

7%

6%

7%

6%

6%

12%ADEFG

8%

8%

9%

7%

9%

16%AKLM

13%

17%L

8%

970

493

477

68

153

171

171

407

560

410

431

60

81

31

14

10

983

19%DJ

20%

18%

11%

18%D

20%D

19%D

22%ADE

22%AJ

16%

18%

20%

26%AK

26%AK

51%

31%

19%

1438

738

699

149

241

245

241

562

704

733

658

75

67

27

1431

28%CDM

30%AC

27%

25%

28%

28%

27%

31%ADG

28%

29%

28%M

25%

22%

23%

14%

20%

28%

1088

478

610

171

197

196

216

307

563

524

487

77

79

23

1092

21%BH

19%

23%AB

28%AEFH

23%H

22%H

24%H

17%

22%

21%

21%

25%

26%K

20%

16%

20%

22%

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

40,000 to
49,999 (O)

50,000+ (P)

987

459

528

154

173

193

196

272

428

560

483

66

53

18

987

19%HI

19%

20%

26%AEH

20%H

22%AH

22%H

15%

17%

22%AI

20%

22%

17%

15%

6%

12%

19%
165

169

68

101

26

41

18

22

62

60

110

88

3%BFIM

3%

4%AB

4%FG

5%AFG

2%

2%

3%

2%

4%AI

4%MN

2%M

3%

1397

725

672

102

213

219

228

634

775

622

643

80

108

50

17

16

1404

28%CDJ

29%AC

26%

17%

25%D

25%D

25%D

35%ADEFG

31%AJ

24%

27%

26%

35%AKL

42%AKL

64%

48%AKL

28%

Agree

Disagree

2075

937

1138

325

371

388

412

579

991

1084

970

143

132

41

10

2079

41%BHI

38%

44%AB

54%AEFGH

43%H

45%AH

46%AH

32%

39%

43%AI

41%

47%AN

43%

35%

22%

32%

41%

-678

-212

-466

-223

-158

-169

-184

55

-216

-462

-327

-63

-24

11

-675

-13%

-9%

-18%

-37%

-18%

-19%

-20%

3%

-9%

-18%

-14%

-21%

-8%

8%

41%

16%

-13%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F1d Here are some statements made by other people about saving for the future and retirement. Please indicate how strongly you agree or disagree with them.
I have a plan for how to pay for the care I will need in my old age
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Strongly agree

427

140

84

203

88

331

232

195

76

351

22

54

49

291

118

276

421

8%BCKLMO

6%

6%

13%ABC

9%

8%

9%I

8%

7%

9%

5%

6%

6%

11%AKLM

7%

9%AO

8%

970

430

169

367

155

798

593

377

200

771

43

124

115

666

244

663

983

19%CEHKLM

20%C

12%

24%ABC

16%

20%AE

22%AHIJ

16%

19%H

19%H

10%

13%

14%K

25%AKLM

15%

22%AO

19%

1431

Tend to agree

O
Neither agree nor disagree

1438

577

387

466

256

1088

751

687

283

1154

116

275

204

774

420

829

28%BFMO

27%

28%

31%AB

27%

27%

28%

29%

26%

29%

27%

28%

25%

29%M

25%

28%

28%

1088

542

301

243

168

898

591

497

254

833

106

204

239

520

380

654

1092

21%DEJN

25%ACD

22%D

16%

18%

23%AE

22%

21%

24%

21%

24%N

21%

29%ALN

19%

23%

22%

22%

987

415

375

198

244

733

464

523

235

753

129

277

195

372

437

500

987

19%DFGJNP

19%D

27%ABD

13%

26%AF

18%

17%

22%AGJ

22%AGJ

19%G

30%AMN

28%AMN

24%AN

14%

26%AP

17%

19%

169

62

58

42

34

112

69

101

28

141

19

43

25

67

51

77

165

3%FGNP

3%

4%ABD

3%

4%

3%

3%

4%AGIJ

3%

4%G

4%N

4%N

3%

2%

3%

3%

3%

1397

570

252

570

243

1129

825

572

275

1122

65

178

164

956

361

938

1404

28%CHKLMO

26%C

18%

38%ABC

26%

29%A

31%AHIJ

24%

26%

28%H

15%

18%

20%K

36%AKLM

22%

31%AO

28%

2075

957

676

441

411

1631

1055

1020

489

1586

235

481

435

893

818

1154

2079

41%DGJNP

44%AD

49%ABD

29%

44%

41%

39%

43%AGJ

45%AGJ

40%

54%AN

49%AN

52%AN

33%

50%AP

38%

41%

-678

-387

-424

129

-168

-502

-230

-448

-214

-464

-170

-303

-270

64

-456

-216

-675

-13%

-18%

-31%

9%

-18%

-13%

-9%

-19%

-20%

-12%

-39%

-31%

-33%

2%

-28%

-7%

-13%

Tend to disagree

Strongly disagree

Don't know

Agree

Disagree

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


F1d Here are some statements made by other people about saving for the future and retirement. Please indicate how strongly you agree or disagree with them.
I have a plan for how to pay for the care I will need in my old age
Base: all respondents

Region
Yorkshire
and
Humberside
(D)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

Strongly agree

427

21

59

31

8%HNOP

10%H

10%FH

970

33

19%N
1438

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

418

406

441

705

620

257

365

470

433

693

653

247

38

24

37

20

68

55

7%

8%H

7%

8%

5%

10%H

112

72

83

68

82

86

16%

20%

17%

19%

19%

17%

52

152

123

123

99

141

28%N

25%

27%

29%

28%

27%

1088

50

109

92

109

86

21%Q

24%

19%

22%

24%L

24%

2 to 5 times a Once a week


week (P)
or less (Q)

468

72

3074

723

173

1109

5079

433

141*

3076

691

165

1147

5079

22

39

13

215

39

166

421

8%H

9%H

9%H

9%

7%

6%

4%

15%ANOP

8%

148

134

45

82

24

557

136

31

246

983

20%

21%

21%

18%

19%

17%

18%

20%

19%

21%AN

19%

141

186

193

65

125

37

839

217

56

326

1431

30%

33%ABI

27%

30%

26%

29%

26%

27%

31%N

34%

28%

28%

107

85

155

128

61

79

27

736

164

40

148

1092

23%

20%

22%

20%

25%L

18%

19%

24%AQ

24%Q

24%Q

13%

22%

987

49

118

97

74

78

84

89

110

116

45

93

36

653

113

27

195

987

19%IOQ

23%EI

21%I

23%EIJ

17%

21%I

18%

20%

16%

18%

18%

21%I

25%I

21%AOQ

16%

16%

17%

19%
165

Don't know

Agree

Disagree

Net agree

169

15

19

11

19

12

26

27

10

15

76

22

66

3%N

2%

3%

2%

4%D

3%

4%

3%

4%

4%D

4%

3%

3%

2%

3%

3%

6%ANO

3%

1397

55

171

104

121

92

118

106

216

189

67

122

37

772

175

38

412

1404

28%N

26%

30%DH

25%

27%

25%

25%

24%

31%ADFGH

29%

27%

28%

26%

25%

25%

23%

36%ANOP

28%

2075

99

227

189

182

164

191

174

265

244

105

171

63

1389

277

66

343

2079

41%Q

47%IJ

40%

45%IJ

41%

45%IJ

41%

40%

38%

37%

43%

40%

45%

45%AOQ

40%Q

40%Q

30%

41%

-678

-44

-56

-85

-61

-72

-73

-68

-49

-55

-38

-50

-26

-616

-102

-29

69

-675

-13%

-21%

-10%

-20%

-14%

-20%

-16%

-16%

-7%

-8%

-15%

-11%

-18%

-20%

-15%

-18%

6%P

-13%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

West
East
Midlands (E) Midlands (F)

Unweigh
ted total

Internet usage

Money Advice Service - Financial Capability Tracker Survey - FINAL


F1d Here are some statements made by other people about saving for the future and retirement. Please indicate how strongly you agree or disagree with them.
I have a plan for how to pay for the care I will need in my old age
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Unweighted total

Asian (E)

5079

3061

Weighted total

5079

2960

141

39

153

147

40*

158

Strongly agree

427

268

12

14

8%

9%A

8%

10%

Tend to agree

970

603

33

19%

20%A

Neither agree nor disagree

1438

849

28%
Tend to disagree

1088
21%B

Strongly disagree

Don't know

Agree

Disagree

Black (F)

Other (G)

BME (H)

54

15

261

5079

59*

15**

273

5079

28

421

9%

12%

21%

10%

8%

40

13

63

983

23%

21%

25%A

23%

8%

23%

19%

41

13

45

16

79

1431

29%

28%

34%

28%

26%

33%

29%

28%

572

29

31

12

49

1092

19%

19%

11%

19%

20%

12%

18%

22%

987

579

28

14

31

987

19%EH

20%EH

19%EH

20%E

9%

11%

14%

11%

19%
165

169

89

15

23

3%

3%

3%

3%

9%ABC

8%AB

13%

8%ABC

3%

1397

871

45

13

54

20

92

1404

28%

29%A

31%

31%

34%

34%

28%

34%A

28%

2075

1151

56

13

44

18

79

2079

41%BEH

39%EH

38%

32%

28%

31%

25%

29%

41%

-678

-279

-11

10

12

-675

-13%

-9%

-8%

6%

3%

3%

4%C

-13%

Net agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F1 Here are some statements made by other people about saving for the future and retirement. Please indicate how strongly you agree or disagree with them.
Summary table
Base: all respondents

It is
important to I have a plan
have some
for how to
Pensions are I prefer to money saved pay for the
the best way live for today in case my
care I will
to save for than plan for life changes need in my
retirement
tomorrow dramatically
old age
Unweighted total

5079

5079

5079

5079

Weighted total

5079

5079

5079

5079

Strongly agree

923

308

1683

427

18%

6%

33%

8%

Tend to agree

1740

907

2285

970

34%

18%

45%

19%

Neither agree nor disagree

1501

1483

831

1438

30%

29%

16%

28%

Tend to disagree

472

1367

127

1088

9%

27%

2%

21%

Strongly disagree

214

937

76

987

4%

18%

1%

19%

Don't know

229

77

78

169

5%

2%

2%

3%

2663

1215

3968

1397

52%

24%

78%

28%

Disagree

686

2304

203

2075

14%

45%

4%

41%

Net agree

1977

-1089

3765

-678

39%

-21%

74%

-13%

Agree

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)

Money Advice Service - Financial Capability Tracker Survey - FINAL


F2 Do you save some money each month?
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

Yes

2710

1337

1373

330

485

447

453

995

1530

1180

1143

204

216

89

20

24

2720

53%GJK

54%

53%

55%

56%G

51%

50%

54%

60%AJ

46%

48%

67%AK

70%AK

75%AK

76%

75%AK

54%

2152

1037

1115

243

349

395

429

736

927

1224

1092

100

91

29

2149

42%HILMNP

42%

43%

40%

40%

45%EH

47%ADEH

40%

37%

48%AI

46%ALMNP

33%

30%

25%

24%

25%

42%

217

95

123

29

32

30

21

106

73

144

124

210

4%GILMN

4%

5%

5%G

4%

3%

2%

6%AEFG

3%

6%AI

5%ALMN

4%

No

Prefer not to say

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F2 Do you save some money each month?
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Yes

2710

1303

555

847

434

2227

1537

1173

565

2145

242

368

406

1641

726

1837

2720

53%CEHLMO

60%ACD

40%

56%AC

46%

56%AE

57%AHIJ

49%

53%

54%H

56%LM

38%

49%L

61%AKLM

44%

61%AO

54%

2152

807

750

588

482

1603

1066

1085

487

1664

174

575

395

964

884

1086

2149

42%BDFGJN

37%

55%ABD

39%

51%AF

40%

40%

46%AGJ

45%AGJ

42%G

40%

59%AKMN

48%AKN

36%

54%AP

36%

42%

217

56

68

85

27

130

96

121

23

194

19

33

27

85

41

75

210

4%BEFGINO

3%

5%B

6%AB

3%

3%

4%I

5%AGI

2%

5%AGI

4%

3%

3%

3%

2%

3%

4%

No

P
Prefer not to say

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


F2 Do you save some money each month?
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

Yes

2710

111

287

243

53%Q

53%

51%

2152

90

259

42%N

43%

46%

No

Prefer not to say

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

232

194

246

219

375

333

142

243

86

1737

389

93

492

2720

57%CJ

52%

53%

52%

51%

54%

51%

57%

56%

61%

56%AQ

56%Q

56%Q

43%

54%

170

189

162

204

193

283

277

98

175

53

1252

280

63

557

2149

40%

42%

44%

43%

45%

41%

42%

40%

40%

38%

41%

40%

38%

49%ANOP

42%

2 to 5 times a Once a week


week (P)
or less (Q)

217

19

11

24

20

21

35

43

15

87

23

98

210

4%N

4%

3%

3%

5%DF

2%

4%

5%

5%DF

7%ACDFKL

3%

4%

2%

3%

3%

6%N

9%ANO

4%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Unweigh
ted total

Internet usage

Money Advice Service - Financial Capability Tracker Survey - FINAL


F2 Do you save some money each month?
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

Yes

2710

1571

83

17

69

23

117

2720

53%EFH

53%EFH

56%EFH

41%

44%

39%

53%

43%

54%

2152

1277

57

21

72

28

126

2149

42%

43%

38%

51%

46%

48%

34%

46%

42%

217

112

17

30

210

4%B

4%

5%

7%

11%AB

13%AB

13%

11%AB

4%

No

Prefer not to say

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F3 Where do you save money?
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

2552

In a High Street savings account/post office


account/online bank account

50,000+ (P)

2524

1254

1270

267

403

407

463

983

1429

1095

1111

189

186

77

20

23

50%DJK

51%

49%

44%

47%

47%

51%D

54%ADEF

56%AJ

43%

47%

62%AK

60%AK

65%AK

75%

70%AK

50%

1565

790

775

160

275

268

283

579

1022

543

633

117

142

68

15

21

1598

31%DJK

32%

30%

27%

32%D

31%

31%

32%D

40%AJ

21%

27%

38%AK

46%AK

58%AKLM

55%

65%AKLM

31%

477

185

291

100

113

98

69

97

174

302

223

24

31

467

9%BHIN

8%

11%AB

17%AFGH

13%AGH

11%AGH

8%H

5%

7%

12%AI

9%N

8%

10%N

4%

11%

7%

9%

295

164

131

11

21

36

45

181

196

99

125

14

19

18

319

6%CDEFJ

7%AC

5%

2%

2%

4%D

5%DE

10%ADEFG

8%AJ

4%

5%

5%

6%

16%AKLM

7%

14%KL

6%

83

48

36

10

16

20

19

18

47

37

27

16

11

77

2%HK

2%

1%

2%

2%

2%H

2%H

1%

2%

1%

1%

5%AK

3%AK

4%K

2%

In an ISA

In a cash/money box

Premium bonds

In a credit union account

In a savings club (e. g. Christmas savings


club

81

27

54

21

16

17

19

35

47

28

83

2%BHK

1%

2%AB

1%

2%H

2%

2%

1%

1%

2%

1%

2%

2%

2%

4%

2%

42

33

12

23

28

14

10

46

1%CEJK

1%AC

1%

1%DE

1%ADE

1%J

1%

1%

1%

2%K

8%

9%AKLM

1%

In investments/stocks and shares

In a bank current account

Other

I do not save

41

22

19

15

17

24

26

38

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

59

37

22

14

14

21

35

24

17

60

1%CK

1%AC

1%

1%

1%

2%

2%

1%

1%

1%

1%

2%

2%

2%

2%

1%

736

363

373

99

140

153

165

179

283

453

350

26

28

10

726

14%HILMP

15%

14%

16%H

16%H

18%AH

18%AH

10%

11%

18%AI

15%LMP

9%

9%

9%

4%

14%

Prefer not to say

516

237

278

46

63

48

62

296

137

379

315

497

10%DEFGIL

10%

11%

8%

7%

6%

7%

16%ADEFG

5%

15%AI

13%ALMNP

1%

1%

10%

4343

2106

2237

504

726

718

738

1658

2247

2096

2009

279

280

108

26

32

4353

86%FGJ

85%

86%

84%

84%

82%

82%

90%ADEFG

89%AJ

82%

85%

91%AK

91%AK

91%

96%

100%AK

86%

MN
No answer

All savers

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F3 Where do you save money?
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent
(J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

In a High Street savings account/post


office account/online bank account

2524

1156

525

838

424

2064

1405

1118

502

2022

209

364

372

1541

696

1733

2552

50%CEHILM

53%AC

38%

55%AC

45%

52%AE

52%AHI

47%

47%

50%AHI

48%L

37%

45%L

57%AKLM

42%

58%AO

50%

O
In an ISA

1565

785

286

494

222

1325

970

594

305

1260

124

125

235

1061

332

1180

1598

31%CEHLO

36%ACD

21%

32%C

23%

33%AE

36%AHIJ

25%

28%H

31%AH

29%L

13%

28%L

39%AKLM

20%

39%AO

31%

477

203

194

77

100

364

251

225

157

320

65

112

111

179

228

224

467

9%DJNP

9%D

14%ABD

5%

11%

9%

9%J

9%J

15%AGHJ

8%

15%AN

11%AN

13%AN

7%

14%AP

7%

9%

295

105

36

154

47

244

190

105

37

258

12

15

24

239

55

231

319

6%BCHIKLM

5%C

3%

10%ABC

5%

6%

7%AHI

4%

3%

6%AHI

3%

2%

3%

9%AKLM

3%

8%AO

6%

In a cash/money box

Premium bonds

O
In a credit union account

In a savings club (e. g. Christmas savings


club

83

44

24

16

21

60

50

33

31

53

26

46

40

42

77

2%DJ

2%D

2%

1%

2%

2%

2%J

1%

3%AGHJ

1%

1%

3%AKM

1%

2%

2%AP

1%

2%

81

45

22

14

17

60

58

24

32

50

17

13

44

26

52

83

2%DHJ

2%AD

2%

1%

2%

2%

2%AHJ

1%

3%AHJ

1%

1%

2%

2%

2%

2%

2%

2%

42

24

18

38

34

34

37

35

46

1%CHLMO

1%C

1%C

1%

1%AHJ

1%

1%H

1%AKLM

1%AO

1%

In investments/stocks and shares

In a bank current account

Other

I do not save

41

12

14

15

32

21

19

35

10

13

15

22

18

38

1%NP

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

2%AN

1%

1%AP

1%

1%

59

39

11

10

49

35

24

18

41

10

34

23

35

60

1%C

2%ACD

1%

1%

1%

1%

1%

1%

2%

1%

1%

1%

1%

1%

1%

1%

1%

736

273

331

130

183

521

331

405

184

552

71

243

166

243

379

292

726

14%BDFGJN

13%D

24%ABD

9%

19%AF

13%

12%

17%AGJ

17%AGJ

14%G

16%N

25%AKMN

20%AN

9%

23%AP

10%

14%

P
Prefer not to say

516

109

152

243

106

329

215

301

51

465

26

147

46

223

132

176

497

10%BFGIKMN

5%

11%B

16%ABC

11%F

8%

8%I

13%AGIJ

5%

12%AGI

6%

15%AKMN

6%

8%M

8%P

6%

10%

4343

1893

1042

1389

760

3439

2368

1975

891

3452

365

733

662

2447

1272

2706

4353

86%CEHILM

87%AC

76%

91%ABC

81%

87%AE

88%AHIJ

83%

83%

86%AHI

84%L

75%

80%L

91%AKLM

77%

90%AO

86%

OP
No answer

All savers

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


F3 Where do you save money?
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

445

In a High Street savings account/post office


account/online bank account

In an ISA

In a cash/money box

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

418

406

441

705

620

257

365

470

433

693

653

247

468

72

3074

723

173

1109

5079

433

141*

3076

691

165

1147

5079

In a credit union account

In a savings club (e. g. Christmas savings


club

In investments/stocks and shares

In a bank current account

Other

I do not save

Prefer not to say

2 to 5 times a Once a week


week (P)
or less (Q)

2552

2524

90

282

214

200

193

235

211

369

326

131

210

62

1602

348

74

501

50%BEQ

43%

50%

51%

45%

53%BE

50%

49%

53%ABE

50%

53%BE

48%

44%

52%AQ

50%Q

45%

44%

50%

1565

61

134

140

122

123

160

141

235

205

71

119

53

1095

267

64

139

1598

31%CQ

29%

24%

33%C

27%

34%CE

34%CEL

33%C

34%CEL

31%C

29%

28%

37%C

36%AQ

39%AQ

39%AQ

12%

31%

477

30

61

48

32

33

33

37

49

59

18

47

29

331

68

22

55

467

9%IQ

14%AEFGH

11%EGI

11%EGI

7%

9%

7%

9%

7%

9%

7%

11%I

21%ACDEF

11%AQ

10%Q

13%Q

5%

9%

IJK
Premium bonds

Unweigh
ted total

Internet usage

GHIJKL

295

14

20

23

21

21

23

28

52

53

13

22

187

59

12

37

319

6%CQ

7%

3%

6%

5%

6%

5%

6%C

8%AC

8%ACEGL

5%

5%

4%

6%Q

9%ANQ

7%Q

3%

6%

83

10

18

18

55

18

77

2%HQ

1%

1%

1%

2%H

1%

1%

1%

1%

1%

4%ABCDF

12%ABCDEF

2%Q

3%AQ

2%

1%

2%

GHIJK

GHIJKL

81

10

13

13

54

18

83

2%Q

3%F

1%

2%F

3%ACFGI

1%

1%

2%

1%

2%

3%CFGI

1%

2%Q

3%AQ

1%

1%

2%

42

33

46

1%Q

1%

1%

1%

1%

1%

1%

1%

1%

1%AQ

1%Q

1%Q

1%

41

21

15

38

1%

1%

1%

1%

1%

1%

1%

1%

1%

2%

1%

1%

1%AN

1%

59

13

41

60

1%

1%

2%

1%

2%

1%

1%

1%

2%I

2%

1%

1%

1%

1%

2%

1%

1%

736

40

84

65

64

47

78

60

95

100

35

52

16

460

98

25

153

726

14%

19%AFIL

15%

15%

14%

13%

17%

14%

14%

15%

14%

12%

11%

15%

14%

15%

13%

14%

516

20

62

28

80

25

34

44

71

76

23

49

128

30

13

344

497

10%DFGMNO

9%M

11%DFGM

7%

18%ABCDFG

7%

7%

10%M

10%DM

12%DFGM

9%

11%DFGM

3%

4%

4%

8%NO

30%ANOP

10%

4343

170

481

358

381

318

392

372

598

553

212

381

125

2616

593

140

993

4353

86%B

81%

85%

85%

86%

87%B

83%

86%

86%B

85%

86%

88%B

89%

85%

86%

85%

87%

86%

HIJKLM
No answer

All savers

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


F3 Where do you save money?
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

2552

In a High Street savings account/post office


account/online bank account

2524

1526

86

21

51

16

95

50%EFH

52%AEFH

58%AEFH

52%EFH

32%

27%

48%

35%

50%

1565

904

49

11

32

11

57

1598

31%EH

31%EH

33%EH

29%

20%

19%

21%

21%

31%

477

210

18

33

467

9%B

7%

5%

18%BC

11%BC

8%

21%

12%BC

9%

295

211

319

6%H

7%AEH

5%

4%

2%

2%

2%

6%

83

36

77

2%B

1%

2%

8%ABE

1%

4%

6%

3%E

2%

81

42

83

2%

1%

2%

5%

1%

2%

In an ISA

In a cash/money box

Premium bonds

In a credit union account

In a savings club (e. g. Christmas savings


club

In investments/stocks and shares

In a bank current account

Other

I do not save

Prefer not to say

No answer

All savers

42

23

46

1%

1%

2%

1%

1%

41

22

38

1%

1%

2%AB

1%

1%

1%

59

30

60

1%

1%

2%

5%ABH

1%

1%

1%

736

408

17

30

43

726

14%

14%

12%

10%

19%

13%

15%

16%

14%

516

341

11

44

22

75

497

10%

12%A

7%

18%

28%ABC

38%ABCD

11%

28%ABC

10%

4343

2551

130

36

129

52

13

229

4353

86%

86%

88%

90%

81%

87%

85%

84%

86%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F3 Where do you save money?
Base: all except those saying they do not save at this question

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

4353

2121

2232

478

641

713

695

1826

2260

2093

2001

273

273

107

26

33

4353

Weighted total

4343

2106

2237

504

726

718

738

1658

2247

2096

2009

279

280

108

26**

32*

4353

2552

In a High Street savings account/post office


account/online bank account

50,000+ (P)

2524

1254

1270

267

403

407

463

983

1429

1095

1111

189

186

77

20

23

58%DJK

60%

57%

53%

56%

57%

63%ADEF

59%D

64%AJ

52%

55%

68%AK

67%AK

71%AK

78%

70%

59%

1565

790

775

160

275

268

283

579

1022

543

633

117

142

68

15

21

1598

36%DJK

38%

35%

32%

38%D

37%

38%D

35%

45%AJ

26%

32%

42%AK

51%AKL

63%AKLM

57%

65%AKL

37%

477

185

291

100

113

98

69

97

174

302

223

24

31

467

11%BHIN

9%

13%AB

20%AFGH

16%AGH

14%AGH

9%H

6%

8%

14%AI

11%N

9%

11%N

4%

12%

7%

11%

In an ISA

In a cash/money box

Premium bonds

295

164

131

11

21

36

45

181

196

99

125

14

19

18

319

7%CDEFJ

8%AC

6%

2%

3%

5%D

6%DE

11%ADEFG

9%AJ

5%

6%

5%

7%

17%AKLM

7%

14%

7%

83

48

36

10

16

20

19

18

47

37

27

16

11

77

2%HK

2%

2%

2%

2%H

3%H

3%H

1%

2%

2%

1%

6%AK

4%AK

4%K

2%

In a credit union account

In a savings club (e. g. Christmas savings


club

In investments/stocks and shares

In a bank current account

Other

81

27

54

21

16

17

19

35

47

28

83

2%BHK

1%

2%AB

2%

3%H

2%H

2%H

1%

2%

2%

1%

2%

2%

2%

5%

2%

42

33

12

23

28

14

10

46

1%CK

2%AC

1%

2%DE

1%ADE

1%

1%

1%

1%

1%

2%K

8%

9%AKLM

1%

41

22

19

15

17

24

26

38

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

59

37

22

14

14

21

35

24

17

60

1%CK

2%AC

1%

1%

1%

2%

2%

1%

2%

1%

1%

2%

2%

2%

2%

1%

516

237

278

46

63

48

62

296

137

379

315

497

12%EFGILM

11%

12%

9%

9%

7%

8%

18%ADEFG

6%

18%AI

16%ALMNP

1%

1%

11%

I do not save

Prefer not to say

NP
No answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F3 Where do you save money?
Base: all except those saying they do not save at this question

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent
(J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

4353

1833

1013

1490

776

3440

2413

1940

842

3511

343

746

633

2500

1282

2723

4353

Weighted total

4343

1893

1042

1389

760

3439

2368

1975

891

3452

365

733

662

2447

1272

2706

4353

2552

In a High Street savings account/post office


account/online bank account

2524

1156

525

838

424

2064

1405

1118

502

2022

209

364

372

1541

696

1733

58%CLO

61%AC

50%

60%AC

56%

60%AE

59%I

57%

56%

59%H

57%L

50%

56%L

63%AKLM

55%

64%AO

59%

1565

785

286

494

222

1325

970

594

305

1260

124

125

235

1061

332

1180

1598

36%CEHLO

41%ACD

27%

36%C

29%

39%AE

41%AHIJ

30%

34%H

36%H

34%L

17%

36%L

43%AKLM

26%

44%AO

37%

477

203

194

77

100

364

251

225

157

320

65

112

111

179

228

224

467

11%DJNP

11%D

19%ABD

6%

13%AF

11%

11%J

11%J

18%AGHJ

9%

18%AN

15%AN

17%AN

7%

18%AP

8%

11%

In an ISA

In a cash/money box

Premium bonds

295

105

36

154

47

244

190

105

37

258

12

15

24

239

55

231

319

7%BCHIKLM

6%C

3%

11%ABC

6%

7%

8%AHI

5%

4%

7%AHI

3%

2%

4%

10%AKLM

4%

9%AO

7%

O
In a credit union account

In a savings club (e. g. Christmas savings


club

In investments/stocks and shares

In a bank current account

Other

83

44

24

16

21

60

50

33

31

53

26

46

40

42

77

2%DJP

2%D

2%D

1%

3%

2%

2%J

2%

3%AGHJ

2%

1%

3%AKMN

1%

2%

3%AP

2%

2%

81

45

22

14

17

60

58

24

32

50

17

13

44

26

52

83

2%DHJ

2%AD

2%D

1%

2%

2%

2%AHJ

1%

4%AGHJ

1%

1%

2%

2%

2%

2%

2%

2%

42

24

18

38

34

34

37

35

46

1%CHL

1%C

1%C

1%

1%

1%AHJ

1%

1%H

2%ALM

1%

1%AO

1%

41

12

14

15

32

21

19

35

10

13

15

22

18

38

1%NP

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

2%AN

1%

2%AP

1%

1%

59

39

11

10

49

35

24

18

41

10

34

23

35

60

1%D

2%ACD

1%

1%

1%

1%

1%

1%

2%

1%

1%

1%

2%

1%

2%

1%

1%

516

109

152

243

106

329

215

301

51

465

26

147

46

223

132

176

497

12%BFGIKMN

6%

15%AB

17%AB

14%F

10%

9%I

15%AGIJ

6%

13%AGI

7%

20%AKMN

7%

9%

10%P

7%

11%

I do not save

Prefer not to say

P
No answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


F3 Where do you save money?
Base: all except those saying they do not save at this question

Region
Yorkshire and
Humberside
West
(D)
Midlands (E)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

4353

190

531

345

Weighted total

4343

170

481

358

In a High Street savings account/post office


account/online bank account

Unweigh
ted total

Internet usage

East
Midlands (F)

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

366

366

340

379

611

529

220

381

318

392

372

598

553

212

2 to 5 times a Once a week


week (P)
or less (Q)

412

64

2620

623

148

962

4353

381

125*

2616

593

140

993

4353

2552

2524

90

282

214

200

193

235

211

369

326

131

210

62

1602

348

74

501

58%EQ

53%

59%

60%

53%

61%E

60%

57%

62%BEL

59%

62%E

55%

50%

61%APQ

59%Q

52%

50%

59%

1565

61

134

140

122

123

160

141

235

205

71

119

53

1095

267

64

139

1598

36%CLQ

36%C

28%

39%CEL

32%

39%CL

41%CEL

38%C

39%CEL

37%C

34%

31%

42%C

42%AQ

45%AQ

46%AQ

14%

37%

477

30

61

48

32

33

33

37

49

59

18

47

29

331

68

22

55

467

11%IQ

18%AEFGH

13%EI

13%EGI

8%

10%

9%

10%

8%

11%

8%

12%I

23%ACDEF

13%AQ

11%Q

16%Q

6%

11%

In an ISA

In a cash/money box

IJK
Premium bonds

In a credit union account

In a savings club (e. g. Christmas savings


club

In investments/stocks and shares

In a bank current account

Other

GHIJKL

295

14

20

23

21

21

23

28

52

53

13

22

187

59

12

37

319

7%CQ

8%C

4%

7%

6%

6%

6%

7%C

9%AC

10%ACEL

6%

6%

4%

7%Q

10%ANQ

8%Q

4%

7%

83

10

18

18

55

18

77

2%HQ

2%

1%

1%

3%H

1%

1%

1%

1%

1%

5%ACDFG

14%ABCDEF

2%Q

3%AQ

2%

1%

2%

HIJK

GHIJKL

81

10

13

13

54

18

83

2%Q

3%FG

1%

3%F

3%ACFGI

1%

1%

2%

1%

2%

4%CFGI

2%

2%Q

3%AQ

1%

1%

2%

42

33

46

1%Q

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%AQ

1%Q

1%Q

1%

41

21

15

38

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

3%

1%

1%

2%A

1%

59

13

41

60

1%

1%

1%

2%I

1%

2%

1%

1%

1%

2%AI

2%

1%

2%

2%

1%

2%

1%

1%

516

20

62

28

80

25

34

44

71

76

23

49

128

30

13

344

497

12%DFMNO

12%M

13%DFM

8%

21%ABCDFG

8%

9%

12%M

12%FM

14%DFGM

11%M

13%DFM

3%

5%

5%

10%NO

35%ANOP

11%

I do not save

Prefer not to say

HIJKLM
No answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


F3 Where do you save money?
Base: all except those saying they do not save at this question

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Unweighted total

4353

2646

Weighted total

4343

2551

In a High Street savings account/post office


account/online bank account

Mixed race
(D)

Asian (E)

124

35

124

130

36*

129

Black (F)

Other (G)

BME (H)

48

13

220

4353

52*

13**

229

4353

2552

2524

1526

86

21

51

16

95

58%EFH

60%AEFH

66%EFH

58%FH

39%

31%

57%

41%

59%

1565

904

49

11

32

11

57

1598

36%EFH

35%EFH

38%EFH

32%

25%

21%

24%

25%

37%

477

210

18

33

467

11%B

8%

6%

20%BC

14%BC

9%

24%

14%BC

11%

In an ISA

In a cash/money box

Premium bonds

In a credit union account

In a savings club (e. g. Christmas savings


club

In investments/stocks and shares

In a bank current account

Other

I do not save

Prefer not to say

No answer

295

211

319

7%H

8%AEH

6%

4%

3%

2%

3%

7%

83

36

77

2%B

1%

2%

8%ABE

1%

4%

7%

3%E

2%

81

42

83

2%

2%

2%

6%

2%

2%

42

23

46

1%

1%

2%

1%

1%

41

22

38

1%

1%

3%B

2%

1%

1%

59

30

60

1%

1%

2%

6%AB

1%

1%

1%

516

341

11

44

22

75

497

12%

13%A

8%

19%

34%ABC

43%ABCD

13%

33%ABC

11%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F4 Is the amount you have saved equal to or more than three months of your current income?
Base: all those who save

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

2720

1346

1374

313

427

443

425

1112

1534

1186

1144

199

209

88

20

25

2720

Weighted total

2710

1337

1373

330

485

447

453

995

1530

1180

1143

204

216

89*

20**

24**

2720

Yes

1214

664

550

134

176

200

217

486

786

428

459

88

110

59

17

21

1243

45%CEJK

50%AC

40%

40%

36%

45%E

48%DE

49%ADE

51%AJ

36%

40%

43%

51%K

66%AKLM

82%

85%

46%

1349

608

741

196

302

245

226

380

698

651

568

116

106

30

1340

50%BHIN

45%

54%AB

59%AGH

62%AFGH

55%AH

50%H

38%

46%

55%AI

50%N

57%AN

49%N

34%

18%

15%

49%

No

Refused

71

26

45

62

28

43

52

66

3%BDEFGIL

2%

3%AB

1%

1%

6%ADEFG

2%

4%AI

5%ALMN

2%

M
Don't know

77

39

37

66

18

59

64

71

3%DEFILM

3%

3%

2%DF

7%ADEFG

1%

5%AI

6%ALMN

3%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F4 Is the amount you have saved equal to or more than three months of your current income?
Base: all those who save

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

2720

1254

537

924

446

2226

1570

1150

530

2190

228

373

385

1683

733

1843

2720

Weighted total

2710

1303

555

847

434

2227

1537

1173

565

2145

242

368

406

1641

726

1837

2720

Yes

1214

600

188

425

184

1019

728

486

216

997

112

95

146

844

253

923

1243

45%CHILMO

46%C

34%

50%AC

42%

46%A

47%AHI

41%

38%

47%AHI

46%LM

26%

36%L

51%ALM

35%

50%AO

46%

1349

690

347

309

220

1103

746

603

340

1009

129

244

250

697

436

850

1340

50%DJNP

53%AD

62%ABD

36%

51%

50%

49%

51%J

60%AGHJ

47%

53%N

66%AKN

62%AKN

42%

60%AP

46%

49%

No

Refused

71

11

52

11

52

33

39

65

12

49

15

31

66

3%BIKMP

1%

2%

6%ABC

3%

2%

2%I

3%I

1%

3%AGI

3%KM

1%

3%KM

2%

2%

2%

77

12

61

19

53

31

45

73

17

51

22

34

71

3%BFGIKP

2%B

7%ABC

4%F

2%

2%I

4%AGI

1%

3%AGI

5%AKM

1%

3%K

3%

2%

3%

Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


F4 Is the amount you have saved equal to or more than three months of your current income?
Base: all those who save

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

2720

125

317

234

225

Weighted total

2710

111

287

243

Yes

1214

49

122

117

45%KQ

44%

42%K

1349

60

153

50%Q

54%

54%I

No

Refused

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

226

214

225

385

318

146

262

43

1743

404

99

474

2720

232

194

246

219

375

333

142

243

86*

1737

389

93*

492

2720

91

101

115

98

177

155

46

106

36

815

181

45

173

1243

48%K

39%

52%ACEK

47%K

45%K

47%K

47%K

33%

44%K

42%

47%AQ

47%Q

48%Q

35%

46%

114

119

87

122

114

171

165

82

110

50

922

207

48

171

1340

47%

51%

45%

50%

52%

46%

50%

58%DFIL

45%

58%

53%AQ

53%Q

52%Q

35%

49%

71

20

11

71

66

3%NO

1%

2%

2%

9%ABCDFG

2%

1%

2%

2%

2%

2%

4%G

14%ANOP

2%

77

18

11

16

77

71

3%ENO

2%

2%

2%

1%

1%

2%

2%

5%AEFJ

1%

8%ABCDEF

7%ABCDEF

16%ANOP

3%

GHJM

GHJ

HIJKM
Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


F4 Is the amount you have saved equal to or more than three months of your current income?
Base: all those who save

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

2720

1639

79

16

67

21

112

2720

Weighted total

2710

1571

83*

17**

69*

23**

8**

117

2720

Yes

1214

711

41

10

28

45

1243

45%

45%

49%

59%

40%

19%

37%

38%

46%

No

1349

728

38

33

15

60

1340

50%B

46%

46%

41%

48%

66%

63%

52%

49%

Refused

Don't know

71

61

66

3%

4%A

2%

8%A

9%

7%A

2%

77

70

71

3%

4%A

3%

4%

6%

4%

3%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F9 Why do you not currently save money?
Base: those who do not save

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

711

350

361

87

121

151

156

196

273

438

339

24

26

711

Weighted total

721

358

363

96*

135

151

163

176

280

441

345

26**

28**

10**

1**

-**

711

Don`t have spare money to save

352

159

192

36

68

85

88

74

130

222

156

14

13

353

49%BDH

45%

53%AB

38%

50%

56%ADH

54%DH

42%

46%

50%

45%

55%

46%

91%

100%

50%

Can`t afford to

Due to the cost of living/bills/rent/


mortgage

Not enough/no regular income

No income (not specified further)

Don`t want to/no need

Don`t earn enough

Living on my pension

Due to paying outstanding credit card


repayments/debt

Living on benefits

I am a student

My age

Prefer to spend/buy goods with it

Other

50,000+ (P)

107

47

60

14

24

29

22

20

42

64

52

105

15%

13%

16%

14%

18%

19%H

13%

11%

15%

15%

15%

19%

20%

15%

44

28

15

14

12

14

30

18

43

6%C

8%C

4%

2%

6%

5%

8%

7%

5%

7%

5%

7%

7%

10%

6%

27

12

15

14

17

10

12

26

4%J

3%

4%

3%

3%

8%ADEH

3%

6%AJ

2%

3%

4%

7%

4%

24

10

14

11

13

17

23

3%

3%

4%

7%H

3%

3%

5%

1%

4%

3%

5%A

4%

3%

20

14

11

12

11

19

3%

4%

2%

3%

2%

2%

6%AEG

4%

2%

3%

4%

9%

3%

17

11

12

11

17

2%

3%

2%

5%H

1%

3%

3%

1%

2%

3%

3%

3%

2%

14

12

16

2%

3%

1%

1%

1%

7%ADEFG

3%

1%

2%

9%

2%

1%

1%

2%

1%

1%

1%

2%

1%

2%

1%

1%

7%

4%

1%

1%C

2%C

1%

1%

1%

1%

2%

2%

2%

1%

1%

1%

1%

7%AEFGH

1%

1%

1%

2%A

1%

1%

1%

1%

1%

2%A

1%

1%

1%

1%

1%

2%

1%

1%

1%

1%

7%

1%

33

18

15

15

19

14

13

34

5%J

5%

4%

2%

2%

3%

5%

9%AEF

7%AJ

3%

4%

8%

11%

5%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F9 Why do you not currently save money?
Base: those who do not save

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

721

358

363

96*

135

151

163

176

280

441

345

26**

28**

10**

1**

-**

1%B

2%B

1%

5%ADEFG

1%

1%

3%A

1%

Weighted total
Refused

Don't know/no answer

711

103

61

42

21

30

19

15

18

30

72

47

97

14%CGI

17%C

12%

22%AGH

22%AGH

13%

9%

10%

11%

16%AI

14%

5%

13%

14%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F9 Why do you not currently save money?
Base: those who do not save

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

711

259

316

134

181

503

323

388

174

537

65

244

155

237

373

280

711

Weighted total

721

269

322

127

179

512

323

398

183

538

70*

241

160

240

373

286

711

Don`t have spare money to save

352

134

170

48

101

240

164

187

106

245

26

126

88

107

211

121

353

49%DJP

50%D

53%D

37%

56%AF

47%

51%J

47%

58%AGHJ

46%

37%

52%K

55%K

45%

57%AP

42%

50%

Can`t afford to

Due to the cost of living/bills/rent/


mortgage

Not enough/no regular income

No income (not specified further)

Don`t want to/no need

Don`t earn enough

Living on my pension

Due to paying outstanding credit card


repayments/debt

Living on benefits

I am a student

My age

Prefer to spend/buy goods with it

Other

Refused

107

46

48

13

25

79

50

57

35

72

38

28

32

63

37

105

15%

17%

15%

10%

14%

15%

15%

14%

19%

13%

13%

16%

17%

13%

17%

13%

15%

44

19

15

35

25

19

35

12

15

14

23

16

43

6%

7%

5%

7%

4%

7%

8%

5%

5%

7%H

3%

5%

10%

6%

6%

6%

6%

27

14

10

18

10

17

23

12

12

13

26

4%

5%

3%

3%

5%

3%

3%

4%

2%

4%

3%

3%

3%

5%

3%

5%

4%

24

18

19

19

21

13

23

3%DG

2%

6%ABD

1%

2%

4%

1%

5%AGI

1%

4%G

9%ALN

3%

4%

2%

3%

3%

3%

20

10

15

10

10

20

12

15

19

3%CIO

3%C

1%

8%ABC

3%

3%

3%I

2%I

4%AHI

3%

2%

1%

5%A

1%

5%AO

3%

17

16

16

13

17

2%EIO

3%

2%

1%

3%A

2%I

2%

1%

3%

9%ALMN

1%

2%

2%

1%

5%AO

2%

14

11

11

14

16

2%BC

1%

9%ABC

2%

2%

3%I

1%

3%AHI

2%

3%

2%

2%

2%

1%

2%

1%

2%

2%

2%

1%

1%

1%

1%

2%

1%

2%

1%

1%

3%AB

3%

1%

1%

2%

1%

1%

2%

1%

2%AP

1%

1%

2%AB

1%

1%

2%

1%

6%ALN

1%

3%AO

1%

1%

3%ABC

1%

1%

1%

1%

1%

1%

2%L

1%O

1%

1%

1%

1%C

2%

1%

1%

1%

2%

1%

1%

1%

33

15

13

24

13

20

29

19

13

18

34

5%CL

6%C

2%

10%AC

5%

5%

4%

5%

2%

5%

3%

2%

4%

8%AL

3%

6%

5%

1%CO

5%ABC

1%

1%

1%

2%

1%

2%

1%

1%

3%A

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


F9 Why do you not currently save money?
Base: those who do not save

Work status

Disability

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

721

269

322

127

179

512

323

398

183

538

70*

241

160

240

373

286

Weighted total
Don't know/no answer

711

103

33

54

13

22

69

44

58

28

74

12

37

20

29

40

43

97

14%O

12%

17%

11%

12%

13%

14%

15%

15%

14%

17%

15%

12%

12%

11%

15%

14%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base

Relationship status

Money Advice Service - Financial Capability Tracker Survey - FINAL


F9 Why do you not currently save money?
Base: those who do not save

Region

Total (A)

NorthEast (B)

NorthWest
(C)

Yorkshire
and
Humberside
(D)

West
East
Midlands (E) Midlands (F)

East Anglia
(G)

Unweigh
ted total

Internet usage

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

Unweighted total

711

45

89

61

63

50

66

60

90

90

35

54

446

98

22

145

711

Weighted total

721

40*

82*

65*

64*

45*

78*

58*

91*

99*

33*

50*

16**

452

96*

22**

151

711

Don`t have spare money to save

352

23

40

30

25

22

36

32

44

48

14

27

10

231

52

13

56

353

49%Q

57%

49%

46%

39%

49%

47%

55%

48%

49%

42%

54%

65%

51%Q

55%Q

57%

37%

50%

Can`t afford to

Due to the cost of living/bills/rent/


mortgage

Not enough/no regular income

No income (not specified further)

Don`t want to/no need

Don`t earn enough

Living on my pension

Due to paying outstanding credit card


repayments/debt

Living on benefits

I am a student

My age

Prefer to spend/buy goods with it

Other

107

13

15

10

12

10

74

14

16

105

15%

16%

16%

13%

23%J

23%J

10%

15%

13%

10%

12%

18%

12%

16%

15%

14%

11%

15%

44

25

12

43

6%

12%FK

5%

13%AFK

6%

5%

8%F

4%

7%

5%

5%

6%

8%

8%

6%

27

20

26

4%Q

6%C

5%C

6%C

4%

1%

4%

3%

9%C

2%

13%

4%Q

7%Q

1%

4%

24

12

23

3%

2%

4%

3%

2%

7%

2%

5%

2%

5%

6%

3%

4%

5%

3%

20

10

19

3%

2%

3%

6%G

2%

2%

1%

5%

2%

3%

4%

2%

1%

4%

5%

3%

17

11

17

2%

2%

2%

5%

2%

2%

1%

3%

1%

9%ADJ

2%

3%

1%

3%

2%

14

16

2%

4%

2%

2%

4%

2%

1%

1%

2%

2%

3%

2%

2%

3%

2%

1%

2%

5%AI

3%

1%

1%

2%

1%

1%

1%N

3%

2%

4%

2%

3%

2%

3%N

3%AN

1%

1%

2%

2%

2%

2%

1%

1%

2%

1%

1%N

1%

1%

2%

3%

2%

2%N

1%

1%

1%

3%

3%A

1%

5%

1%

1%

33

21

34

5%

4%

4%

5%

8%

5%

8%

3%

5%

6%

5%

5%

5%

5%

5%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F9 Why do you not currently save money?
Base: those who do not save

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

721

40*

82*

65*

1%N

2%

3%

2%

2%

Weighted total
Refused

Don't know/no answer

64*

45*

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

78*

58*

91*

99*

33*

50*

16**

452

96*

22**

1%

1%

2%

6%ANO

1%

151

711

103

13

15

13

21

64

12

22

97

14%

11%

16%

14%

11%

8%

19%

9%

14%

21%L

17%

8%

10%

14%

13%

20%

15%

14%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F9 Why do you not currently save money?
Base: those who do not save

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

Unweighted total

711

411

17

28

38

711

Weighted total

721

405

17**

2**

29**

7**

2**

40*

711

Don`t have spare money to save

352

203

10

11

353

49%H

50%H

57%

49%

33%

14%

28%

50%

Can`t afford to

Due to the cost of living/bills/rent/


mortgage

Not enough/no regular income

No income (not specified further)

Don`t want to/no need

Don`t earn enough

Living on my pension

Due to paying outstanding credit card


repayments/debt

Living on benefits

I am a student

My age

Prefer to spend/buy goods with it

Other

Refused

BME (H)

107

60

105

15%

15%

7%

7%

5%

15%

44

17

43

6%B

4%

14%

15%

11%

6%

27

15

26

4%

4%

13%

5%

3%

4%

24

15

23

3%

4%

6%

14%

7%

3%

20

17

19

3%

4%A

3%

17

17

2%

2%

4%

3%

2%

14

12

16

2%

3%A

2%

1%

1%

5%

1%

1%

1%

51%

2%

1%

1%B

1%

1%

1%

1%

1%

1%

33

19

34

5%

5%

8%

6%

5%

1%

2%

4%

19%

6%A

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F9 Why do you not currently save money?
Base: those who do not save

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

721

405

17**

2**

29**

7**

2**

40*

Weighted total
Don't know/no answer

711

103

49

12

97

14%B

12%

11%

22%

52%

100%

31%AB

14%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F10 (odd) If the inflation rate is 5% and the interest rate you get on your savings is 3%, will your savings have more, less or the same buying power in a year's time?
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

More

346

155

191

52

101

64

60

68

153

194

156

25

30

335

7%HI

6%

7%

9%H

12%AFGH

7%H

7%H

4%

6%

8%AI

7%

8%

10%AK

5%

2%

7%

307

131

176

47

53

50

46

111

114

193

155

14

10

298

6%BIMN

5%

7%AB

8%G

6%

6%

5%

6%

5%

8%AI

7%MN

5%

3%

2%

6%

3387

1832

1556

345

481

599

677

1286

1923

1464

1492

225

248

109

26

32

3449

67%CDEJK

74%AC

60%

57%

56%

69%DE

75%ADEFH

70%ADE

76%AJ

57%

63%

74%AK

81%AK

92%AKLM

96%

98%AKLM

68%

The same

Less

Don't know

1038

351

688

158

231

158

120

371

340

698

557

41

19

997

20%BGILMN

14%

26%AB

26%AFGH

27%AFGH

18%G

13%

20%G

13%

27%AI

24%ALMNP

13%MNP

6%N

1%

4%

20%

3387

1832

1556

345

481

599

677

1286

1923

1464

1492

225

248

109

26

32

3449

67%CDEJK

74%AC

60%

57%

56%

69%DE

75%ADEFH

70%ADE

76%AJ

57%

63%

74%AK

81%AK

92%AKLM

96%

98%AKLM

68%

P
Correct

Incorrect

1692

637

1055

257

385

272

226

551

607

1085

867

80

60

1630

33%BGHILM

26%

40%AB

43%AFGH

44%AFGH

31%G

25%

30%G

24%

43%AI

37%ALMNP

26%NP

19%NP

8%

4%

2%

32%

NP

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F10 (odd) If the inflation rate is 5% and the interest rate you get on your savings is 3%, will your savings have more, less or the same buying power in a year's time?
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

More

346

178

108

57

64

274

200

146

111

235

36

61

76

164

136

181

335

7%DJNP

8%AD

8%D

4%

7%

7%

7%J

6%

10%AGHJ

6%

8%

6%

9%ALN

6%

8%AP

6%

7%

307

117

96

94

56

240

157

150

78

229

21

80

52

143

121

150

298

6%NP

5%

7%

6%

6%

6%

6%

6%

7%G

6%

5%

8%AKN

6%

5%

7%AP

5%

6%

The same

Less

3387

1506

820

1058

602

2720

1890

1497

664

2723

286

532

511

2004

1013

2210

3449

67%CEHILM

70%AC

60%

70%AC

64%

69%AE

70%AHIJ

63%

62%

68%AHI

66%L

55%

62%L

75%AKLM

61%

74%AO

68%

O
Don't know

1038

364

348

310

221

726

454

585

222

816

92

303

189

378

381

457

997

20%BFGNP

17%

25%ABD

20%B

23%AF

18%

17%

25%AGIJ

21%G

20%G

21%N

31%AKMN

23%N

14%

23%AP

15%

20%

Correct

3387

1506

820

1058

602

2720

1890

1497

664

2723

286

532

511

2004

1013

2210

3449

67%CEHILM

70%AC

60%

70%AC

64%

69%AE

70%AHIJ

63%

62%

68%AHI

66%L

55%

62%L

75%AKLM

61%

74%AO

68%

1692

660

553

461

342

1240

810

882

411

1280

149

444

317

685

637

788

1630

33%BDFGJN

30%

40%ABD

30%

36%AF

31%

30%

37%AGJ

38%AGJ

32%G

34%N

45%AKMN

38%AN

25%

39%AP

26%

32%

O
Incorrect

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


F10 (odd) If the inflation rate is 5% and the interest rate you get on your savings is 3%, will your savings have more, less or the same buying power in a year's time?
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

More

346

20

46

35

7%JLQ

10%JL

8%JL

307

10

35

6%DN

5%

3387
67%CQ

The same

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

35

32

32

27

43

24

16

19

16

219

50

14

63

335

8%JL

8%JL

9%JL

7%J

6%

6%J

4%

7%

4%

12%JL

7%

7%

9%

5%

7%

16

28

19

24

22

41

59

10

32

12

150

40

108

298

6%

4%

6%

5%

5%

5%

6%

9%ABDFGH

4%

7%D

8%

5%

6%

5%

9%ANO

6%

137

354

307

286

242

334

285

459

425

163

296

101

2225

510

107

546

3449

65%

63%

72%ACEHI

64%

66%

71%CEJ

66%

66%

65%

66%

68%

72%

72%APQ

74%APQ

65%Q

48%

68%

12

483

91

35

430

997

IK
Less

J
Don't know

1038

43

129

66

95

73

80

99

150

146

58

86

20%DMNO

20%M

23%DGM

16%

21%DM

20%M

17%

23%DGM

22%DM

22%DGM

24%DGM

20%M

9%

16%

13%

21%O

38%ANOP

20%

3387

137

354

307

286

242

334

285

459

425

163

296

101

2225

510

107

546

3449

67%CQ

65%

63%

72%ACEHI

64%

66%

71%CEJ

66%

66%

65%

66%

68%

72%

72%APQ

74%APQ

65%Q

48%

68%

Correct

J
Incorrect

1692

73

211

117

159

124

136

148

234

229

85

137

40

851

181

58

601

1630

33%DNO

35%

37%ADG

28%

36%DG

34%

29%

34%D

34%D

35%DG

34%

32%

28%

28%

26%

35%NO

52%ANOP

32%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


F10 (odd) If the inflation rate is 5% and the interest rate you get on your savings is 3%, will your savings have more, less or the same buying power in a year's time?
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

More

346

176

17

25

335

7%B

6%

3%

8%

11%BC

9%

9%BC

7%

307

165

10

23

12

40

298

6%

6%

7%

9%

15%ABC

19%ABC

8%

15%ABC

6%

The same

Less

3387

2019

99

22

65

25

120

3449

67%EFH

68%AEFH

68%EFH

55%

41%

42%

58%

44%

68%

Don't know

1038

600

33

11

53

18

88

997

20%

20%

22%

28%

34%ABC

30%

34%

32%ABC

20%

3387

2019

99

22

65

25

120

3449

67%EFH

68%AEFH

68%EFH

55%

41%

42%

58%

44%

68%

1692

941

48

18

93

35

152

1630

33%B

32%

32%

45%

59%ABC

58%ABC

42%

56%ABC

32%

Correct

Incorrect

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F10 Are you currently paying into one or more pensions?
Base: all except those saying they are retired at this question

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

3780

1784

1996

563

761

859

825

772

1798

1982

1574

258

266

102

20

24

3780

Weighted total

3886

1835

2051

597

860

864

873

693

1867

2019

1619

273

280

106*

21**

24**

3780

Yes

1149

620

529

82

286

334

328

118

786

363

252

158

158

82

17

13

1111

30%CDHJK

34%AC

26%

14%

33%ADH

39%ADEH

38%ADH

17%

42%AJ

18%

16%

58%AK

56%AK

78%AKLM

82%

54%

29%

2590

1151

1439

492

552

502

525

518

1045

1545

1271

115

122

24

11

2531

67%BFGILM

63%

70%AB

82%AEFGH

64%F

58%

60%

75%AEFG

56%

77%AI

79%ALMN

42%N

44%N

22%

18%

46%

67%

No

N
I am retired so I am not paying into a
pension

Don't know

147

64

83

22

22

27

19

56

36

111

96

138

4%EGILMN

4%

4%

4%

3%

3%

2%

8%ADEFG

2%

5%AI

6%ALMN

4%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F10 Are you currently paying into one or more pensions?
Base: all except those saying they are retired at this question

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

3780

2096

1337

328

638

3008

1981

1799

1005

2775

405

769

731

1752

1328

2137

3780

Weighted total

3886

2166

1373

326

639

3104

2026

1860

1064

2821

432

771

772

1783

1349

2209

3780

Yes

1149

1016

108

25

81

1054

769

380

391

758

70

83

181

794

214

894

1111

30%CDEHJK

47%ACD

8%

8%

13%

34%AE

38%AHJ

20%

37%AHJ

27%H

16%L

11%

23%KL

45%AKLM

16%

40%AO

29%

2590

1112

1209

262

541

1980

1209

1381

657

1933

351

661

573

946

1113

1275

2531

67%BFGINP

51%

88%ABD

80%AB

85%AF

64%

60%

74%AGIJ

62%

69%AGI

81%AMN

86%AMN

74%AN

53%

82%AP

58%

67%

LMO
No

I am retired so I am not paying into a


pension

Don't know

147

38

56

40

17

70

48

99

17

130

11

27

18

42

23

40

138

4%BFGIMNO

2%

4%B

12%ABC

3%

2%

2%I

5%AGI

2%

5%AGI

3%

4%

2%

2%

2%

2%

4%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


F10 Are you currently paying into one or more pensions?
Base: all except those saying they are retired at this question

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

3780

165

486

303

309

Weighted total

3886

152

453

322

Yes

1149

40

102

101

30%CQ

26%

23%

31%C

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

305

305

327

503

503

171

341

62

2495

512

126

647

3780

326

276

369

328

505

544

166

319

125*

2588

516

128

654

3780

101

95

111

92

172

148

45

91

51

856

187

36

69

1111

31%C

34%CJ

30%C

28%

34%ACJ

27%

27%

29%C

41%ABCHJ

33%AQ

36%AQ

29%Q

11%

29%

K
No

2590

107

334

216

214

176

248

213

313

356

117

222

73

1680

315

89

506

2531

67%INO

71%I

74%ADEFGHI

67%

65%

64%

67%

65%

62%

65%

71%I

70%I

59%

65%

61%

70%

77%ANO

67%

JM
I am retired so I am not paying into a
pension

Don't know

147

17

12

11

23

19

40

52

14

79

138

4%DLN

3%

4%

2%

4%

2%

3%

7%ACDFGI

4%

7%ACDEFG

2%

2%

2%

3%

2%

12%ANOP

4%

KLM

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

IKLM

Money Advice Service - Financial Capability Tracker Survey - FINAL


F10 Are you currently paying into one or more pensions?
Base: all except those saying they are retired at this question

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

3780

1983

116

34

135

47

15

231

3780

Weighted total

3886

1969

122

36*

141

50*

15**

242

3780

Yes

1149

594

40

10

21

42

1111

30%EFH

30%EFH

33%EFH

27%

15%

15%

21%

17%

29%

2590

1292

77

24

105

36

10

175

2531

67%

66%

63%

67%

74%B

72%

66%

72%B

67%

No

I am retired so I am not paying into a


pension

Don't know

147

83

15

25

138

4%

4%

4%

6%

11%AB

13%AB

13%

10%ABC

4%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F12 Do you have any other pension scheme into which money has been paid in the past?
Base: all non-retired respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

3452

1616

1836

563

761

859

819

450

1675

1777

1337

256

265

98

19

23

3452

Weighted total

3560

1669

1891

597

860

864

867

372

1747

1813

1377

271

280

103*

20**

24**

3452

Yes

1008

543

465

24

141

290

402

151

616

392

319

87

103

55

10

17

993

28%CDEJK

33%AC

25%

4%

16%D

34%ADE

46%ADEF

41%ADEF

35%AJ

22%

23%

32%K

37%AK

54%AKLM

50%

70%

29%

2389

1056

1333

554

678

543

434

181

1071

1318

981

181

176

47

10

2303

67%BFGHIN

63%

71%AB

93%AEFGH

79%AFGH

63%GH

50%

49%

61%

73%AI

71%AMN

67%N

63%N

46%

50%

30%

67%

No

Refused

Don't know

27

17

10

22

14

27

1%I

1%

1%

1%

1%

1%

2%AE

1%AI

1%

1%

135

53

83

15

39

24

24

34

55

80

64

129

4%ILM

3%

4%

3%

4%

3%

3%

9%ADEFG

3%

4%

5%LMN

1%

4%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F12 Do you have any other pension scheme into which money has been paid in the past?
Base: all non-retired respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

3452

2096

1337

556

2783

1820

1632

1005

2447

405

694

710

1542

1234

1965

3452

Weighted total

3560

2166

1373

-**

559

2879

1874

1686

1064

2495

432

695

754

1573

1259

2040

3452

Yes

1008

730

277

159

833

659

349

339

669

33

123

165

670

333

638

993

28%CHJKLM

34%AC

20%

28%

29%

35%AHIJ

21%

32%AHJ

27%H

8%

18%K

22%K

43%AKLM

26%

31%AO

29%

2389

1366

1020

369

1964

1139

1250

698

1691

390

535

563

851

889

1352

2303

67%BGN

63%

74%AB

66%

68%A

61%

74%AGIJ

66%G

68%G

90%ALMN

77%AN

75%AN

54%

71%AP

66%

67%

No

Refused

Don't know

27

13

12

10

18

24

27

1%FIOP

1%

1%

1%

1%

1%I

1%AGI

1%

1%

1%

135

58

64

27

72

67

69

25

111

32

24

44

36

46

129

4%BFIKNOP

3%

5%B

5%F

2%

4%I

4%I

2%

4%AI

2%

5%KN

3%

3%

3%

2%

4%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F12 Do you have any other pension scheme into which money has been paid in the past?
Base: all non-retired respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

3452

147

444

283

280

Weighted total

3560

136

415

302

Yes

1008

29

94

100

28%CQ

22%

23%

2389

103

298

67%OP

76%ADGHI

27

No

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

277

288

288

454

467

153

309

62

2426

480

120

426

3452

297

250

350

287

453

507

149

290

125*

2533

490

123

414

3452

79

66

118

85

136

138

33

87

43

747

168

46

47

993

33%BCK

27%

26%

34%ABCK

30%C

30%C

27%

22%

30%C

34%C

29%AQ

34%ANQ

37%AQ

11%

29%

194

205

175

218

188

298

324

112

194

80

1712

304

71

302

2303

72%ADGJ

64%

69%

70%

62%

66%

66%

64%

75%ADGHI

67%

64%

68%OP

62%

58%

73%ANOP

67%

27

27

1%N

1%

1%

1%

1%

1%

1%

2%AG

1%

7%ANOP

1%

135

20

11

14

11

14

36

73

18

38

129

4%N

2%

5%

2%

4%

3%

4%

4%

3%

7%ABDFIK

2%

2%

2%

3%

4%

5%

9%ANO

4%

J
Refused

Don't know

2 to 5 times a Once a week


week (P)
or less (Q)

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Unweigh
ted total

Internet usage

Money Advice Service - Financial Capability Tracker Survey - FINAL


F12 Do you have any other pension scheme into which money has been paid in the past?
Base: all non-retired respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

3452

1704

110

32

130

43

13

218

3452

Weighted total

3560

1686

116

34*

136

46*

14**

230

3452

Yes

1008

575

31

14

24

993

28%EFH

34%ADEFH

27%EFH

14%

10%

9%

14%

11%

29%

2389

1042

78

26

106

32

11

175

2303

67%B

62%

67%

77%

78%AB

70%

77%

76%AB

67%

No

Refused

Don't know

27

12

13

27

1%

1%

1%

3%

5%AB

10%ABC

6%ABC

1%

135

57

18

129

4%

3%

5%

7%

6%

12%AB

9%

8%AB

4%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F12 Do you have any other pension scheme into which money has been paid in the past?
Base: all non-retired respondents who are not currently paying into a pension

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

2265

993

1272

464

485

502

495

319

908

1357

1051

109

116

22

10

2265

Weighted total

2328

1016

1312

492

552

502

519

262

946

1382

1083

114

122

22**

3**

11**

2265

Yes

593

303

290

12

83

162

228

108

321

272

246

35

50

14

590

25%CDEJK

30%AC

22%

3%

15%D

32%ADE

44%ADEF

41%ADEF

34%AJ

20%

23%

31%

41%AK

64%

71%

51%

26%

1669

679

990

477

452

328

277

134

600

1068

808

78

70

1611

72%BFGHIM

67%

75%AB

97%AEFGH

82%AFGH

65%GH

53%

51%

63%

77%AI

75%AM

69%

58%

36%

29%

49%

71%

1%ADEF

No

Refused

Don't know

62

32

31

16

12

14

17

24

38

28

59

3%D

3%

2%

1%

3%D

2%D

3%D

7%ADEFG

3%

3%

3%

1%

1%

3%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F12 Do you have any other pension scheme into which money has been paid in the past?
Base: all non-retired respondents who are not currently paying into a pension

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

2265

1081

1177

471

1735

1053

1212

620

1645

328

598

526

765

1012

1092

2265

Weighted total

2328

1112

1209

-**

472

1794

1079

1249

657

1672

351

596

557

774

1032

1132

2265

Yes

593

352

240

123

461

361

232

179

414

22

102

109

348

258

317

590

25%CHKLM

32%AC

20%

26%

26%

33%AHIJ

19%

27%H

25%H

6%

17%K

20%K

45%AKLM

25%

28%A

26%

1669

734

931

325

1299

682

986

463

1206

325

471

437

403

748

796

1611

72%BGN

66%

77%AB

69%

72%

63%

79%AGIJ

71%G

72%G

93%ALMN

79%AN

78%AN

52%

73%

70%

71%

No

Refused

Don't know

62

23

36

23

31

33

29

15

48

22

10

20

25

18

59

3%FKP

2%

3%

5%AF

2%

3%

2%

2%

3%

1%

4%K

2%

3%

2%

2%

3%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F12 Do you have any other pension scheme into which money has been paid in the past?
Base: all non-retired respondents who are not currently paying into a pension

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

2265

100

319

186

180

Weighted total

2328

92*

299

198

Yes

593

20

53

60

25%CEQ

22%

18%

30%CEF

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

171

192

188

275

304

104

210

36

1563

290

82

330

2265

191

154

232

187

274

330

101

196

73*

1631

293

84*

320

2265

37

30

79

54

72

84

25

58

22

445

88

30

30

590

19%

20%

34%ABCEF

29%CEF

26%C

25%C

25%

29%CEF

29%

27%AQ

30%Q

35%AQ

9%

26%

J
No

1669

72

235

132

151

117

147

127

197

230

76

135

50

1156

196

51

266

1611

72%GP

78%DG

79%ADGHJL

66%

79%ADGHJ

76%G

63%

68%

72%G

70%

75%

69%

68%

71%P

67%

60%

83%ANOP

71%

L
Refused

Don't know

1%

1%AN

62

11

16

30

19

59

3%N

4%

3%

2%

4%B

3%

3%

1%

5%ABIL

1%

1%

3%

2%

3%

5%

6%AN

3%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


F12 Do you have any other pension scheme into which money has been paid in the past?
Base: all non-retired respondents who are not currently paying into a pension

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

2265

1082

67

21

97

30

157

2265

Weighted total

2328

1066

70*

22**

102*

33**

9**

166

2265

Yes

593

355

16

590

25%EH

33%AEH

22%EH

10%

4%

9%

6%

26%

1669

682

52

20

93

26

148

1611

72%B

64%

74%

90%

91%ABC

79%

100%

89%ABC

71%

No

Refused

Don't know

62

24

59

3%

2%

3%

4%

12%

5%B

3%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F13 Do you currently receive money from your own or your partner's pension?
Base: all retired respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

1627

860

767

34

1575

862

765

1008

41

34

18

10

1627

Weighted total

1519

800

720

5**

6**

7**

36*

1465

783

736

981

34*

28*

15**

7**

9**

1627

Yes - my own

824

513

310

11

810

523

301

517

26

23

12

908

54%CGJ

64%AC

43%

18%

14%

31%

55%AG

67%AJ

41%

53%

75%AK

84%AK

77%

75%

85%

56%

263

96

166

259

151

112

172

10

281

17%BJ

12%

23%AB

11%

18%A

19%AJ

15%

18%

29%A

15%

16%

51%

57%

17%

Yes - my partner's

No

405

184

220

400

133

272

267

416

27%BILM

23%

31%AB

12%

27%A

17%

37%AI

27%LM

5%

5%

17%

13%

15%

26%

Refused

Don't know

44

18

26

44

19

25

37

39

3%

2%

4%

3%

2%

3%

4%A

2%

137

71

66

19

102

58

79

82

150

9%HI

9%

9%

100%

82%

86%

51%AH

7%

7%

11%AI

8%

13%

11%

6%

12%

9%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F13 Do you currently receive money from your own or your partner's pension?
Base: all retired respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

1627

1627

405

1169

925

702

12

1615

298

84

1198

427

1044

1627

Weighted total

1519

-**

-**

1519

384

1081

826

693

11**

1508

4**

281

74*

1117

391

959

1627

Yes - my own

824

824

175

633

519

304

820

97

34

679

135

636

908

54%EHLO

54%

46%

59%AE

63%AHJ

44%

30%

54%H

19%

34%

46%

61%ALM

34%

66%AO

56%

263

263

70

191

172

91

263

23

228

49

190

281

17%HLMO

17%

18%

18%

21%AHJ

13%

17%H

34%

8%

9%

20%ALM

13%

20%AO

17%

Yes - my partner's

No

405

405

118

276

163

242

403

136

25

231

173

181

416

27%GNP

27%

31%AF

26%

20%

35%AGJ

11%

27%G

49%AMN

34%N

21%

44%AP

19%

26%

Refused

44

44

10

20

19

25

44

27

39

3%FP

3%

3%

2%

2%

4%

3%

2%

1%

2%

2%P

1%

2%

137

137

46

77

75

62

131

27

11

90

47

66

150

9%FJNP

9%

12%AF

7%

9%

9%

59%

9%

48%

10%

15%N

8%

12%AP

7%

9%

Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F13 Do you currently receive money from your own or your partner's pension?
Base: all retired respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

1627

88

178

123

149

Weighted total

1519

74*

150

121

Yes - my own

824

37

90

69

54%EQ

50%

60%E

263

14

16

17%C

18%

405

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

141

118

153

251

153

104

159

10

648

243

53

683

1627

148

116

120

146

240

147

98*

143

16**

544

201

42*

733

1627

65

56

68

80

146

86

47

70

354

146

26

297

908

57%E

44%

49%

57%E

55%

61%AEFKL

58%E

48%

49%

58%

65%AQ

73%ANQ

62%Q

40%

56%

34

26

21

19

23

43

18

22

25

100

30

129

281

11%

28%ACGHI

18%

18%

16%

16%

18%

12%

22%CJ

17%

10%

18%

15%

9%

18%

17%

29

43

23

45

29

33

36

41

42

34

49

90

34

13

267

416

27%DINO

39%ADFHI

28%I

19%

30%DI

25%

27%I

25%

17%

29%I

34%DI

34%ADI

19%

17%

17%

32%NO

36%ANO

26%

44

10

44

39

3%CNO

2%

6%ABCGK

3%CG

6%ABCGK

4%CG

3%CG

1%

2%

6%ANO

2%

Yes - my partner's

2 to 5 times a Once a week


week (P)
or less (Q)

JL
No

Refused

Don't know

137

12

10

20

16

10

25

12

12

66

10

59

150

9%O

6%

8%

8%

13%K

14%K

7%

7%

10%

8%

4%

8%

22%

12%AOQ

5%

4%

8%

9%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F13 Do you currently receive money from your own or your partner's pension?
Base: all retired respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

1627

1357

31

23

11

43

1627

Weighted total

1519

1274

31**

6**

22**

13**

2**

43*

1627

Yes - my own

824

687

17

13

908

54%H

54%H

55%

62%

21%

36%

31%

56%

263

231

281

17%

18%

5%

14%

4%

11%

8%

17%

Yes - my partner's

No

Refused

Don't know

405

349

10

18

416

27%

27%

27%

38%

45%

36%

46%

41%A

26%

44

38

39

3%

3%

2%

11%

11%

54%

11%AB

2%

137

100

150

9%B

8%

16%

23%

17%

17%B

9%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F15 Apart from your/your partner's personal or occupational pension, are you currently using any of the following things to provide for your retirement?
Base: all retired respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

1627

860

767

34

1575

862

765

1008

41

34

18

10

1627

Weighted total

1519

800

720

5**

6**

7**

36*

1465

783

736

981

34*

28*

15**

7**

9**

1627

State retirement pension

1029

554

476

1027

543

487

647

23

21

12

1099

68%G

69%

66%

8%

70%AG

69%

66%

66%

68%

74%

77%

49%

75%

68%

484

279

205

10

472

329

155

278

16

12

528

32%CJK

35%AC

28%

18%

28%

32%

42%AJ

21%

28%

46%K

44%

55%

63%

78%

32%

Savings or investments

Inheritance

Income derived in some way from your


home or property, such as its sale, equity
release, borrowing, renting

Earnings from part time/ freelance work

Private pension/annuity

Company/work pension

Something else

Nothing/none/I will not do anything

Prefer not to say

Don't know/no answer

50,000+ (P)

54

27

27

53

43

11

25

65

4%JK

3%

4%

3%

4%

6%AJ

1%

3%

6%

18%

9%

4%

51

22

29

49

38

13

22

61

3%JK

3%

4%

18%

3%

3%

5%AJ

2%

2%

10%AK

6%

26%

18%

4%

46

26

20

44

33

13

15

56

3%JK

3%

3%

18%

3%

3%

4%AJ

2%

2%

9%AK

10%

21%

3%

11

11

12

1%K

1%

1%

1%

1%

3%K

1%
8

1%J

1%

1%

1%

2%

17

10

16

11

10

21

1%

1%

1%

3%

1%

1%

1%

1%

7%AK

3%

11%

1%

14

13

15

1%

1%

1%

3%

1%

1%

1%

1%

5%AK

1%

38

19

19

36

19

19

24

47

2%

2%

3%

14%

3%

2%

2%

3%

2%

3%

303

151

153

21

266

122

181

218

311

20%HI

19%

21%

100%

82%

86%

58%AH

18%

16%

25%AI

22%A

13%

13%

6%

12%

19%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F15 Apart from your/your partner's personal or occupational pension, are you currently using any of the following things to provide for your retirement?
Base: all retired respondents

Work status

Disability

Relationship status

Home status

Benefit recipient

Unweigh
ted total

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

1627

1627

405

1169

925

702

12

1615

298

84

1198

427

1044

1627

Weighted total

1519

-**

-**

1519

384

1081

826

693

11**

1508

4**

281

74*

1117

391

959

1627

State retirement pension

1029

1029

256

757

549

481

1029

194

45

771

273

679

1099

68%

68%

67%

70%A

66%

69%

7%

68%A

52%

69%

61%

69%

70%

71%A

68%

484

484

99

379

302

182

482

38

17

421

83

374

528

32%EHLO

32%

26%

35%AE

37%AHJ

26%

18%

32%H

19%

14%

23%L

38%ALM

21%

39%AO

32%

Savings or investments

Inheritance

Income derived in some way from your


home or property, such as its sale, equity
release, borrowing, renting

Earnings from part time/ freelance work

Private pension/annuity

Company/work pension

Something else

Nothing/none/I will not do anything

Prefer not to say

54

54

48

33

21

54

46

43

65

4%EL

4%

1%

4%AE

4%

3%

4%

1%

3%

4%AL

2%

4%A

4%

51

51

11

40

34

17

51

46

10

39

61

3%L

3%

3%

4%

4%

2%

3%

1%

4%AL

3%

4%

4%

46

46

39

33

13

45

38

36

56

3%EHL

3%

1%

4%E

4%AHJ

2%

9%

3%H

1%

5%

3%

2%

4%A

3%

11

11

11

12

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%
8

1%

1%

1%

1%

1%

1%

17

17

11

10

17

13

21

1%

1%

2%

1%

1%

1%

1%

1%

1%

2%

1%

1%

14

14

14

15

1%N

1%

1%

1%

1%

1%

1%

1%

3%N

1%

1%

1%

1%

38

38

12

21

26

12

36

29

26

47

2%FJ

2%

3%

2%

3%J

2%

15%

2%

1%

3%

3%

2%

3%

3%

303

303

79

191

149

155

297

74

17

192

83

141

311

20%FGJNP

20%

21%

18%

18%

22%GJ

59%

20%

48%

26%AN

23%

17%

21%P

15%

19%

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F15 Apart from your/your partner's personal or occupational pension, are you currently using any of the following things to provide for your retirement?
Base: all retired respondents

Region

Total (A)

NorthEast (B)

NorthWest
(C)

Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

Unweighted total

1627

88

178

123

149

141

118

153

251

153

104

159

10

648

243

53

683

1627

Weighted total

1519

74*

150

121

148

116

120

146

240

147

98*

143

16**

544

201

42*

733

1627

State retirement pension

1029

52

103

81

91

83

87

102

162

84

71

103

350

154

29

496

1099

68%JN

70%

69%J

67%

61%

72%J

73%J

70%J

68%J

58%

72%J

72%J

58%

64%

77%ANQ

68%

68%

68%

484

25

34

43

37

27

37

51

91

57

36

41

208

83

16

176

528

32%CFQ

33%

23%

36%CF

25%

23%

31%

35%CF

38%ACEF

39%CEF

37%CEF

29%

39%

38%AQ

41%AQ

38%Q

24%

32%

Savings or investments

Inheritance

Income derived in some way from your


home or property, such as its sale, equity
release, borrowing, renting

Earnings from part time/ freelance work

Private pension/annuity

Company/work pension

Something else

Nothing/none/I will not do anything

Prefer not to say

Don't know/no answer

54

33

11

65

4%Q

6%L

2%

4%

3%

2%

6%L

6%L

3%

4%

3%

1%

6%AQ

6%Q

4%

1%

4%

51

33

10

61

3%Q

7%CL

1%

4%

2%

3%

2%

5%

4%

5%

2%

1%

10%

6%AQ

5%Q

1%

4%

46

33

56

3%Q

5%F

4%F

6%AF

2%

1%

2%

2%

2%

5%F

2%

2%

6%AQ

3%Q

8%Q

3%

11

12

1%

2%

1%

1%

1%

1%

2%

1%

2%AQ

1%
8

1%

1%

1%

1%

1%

1%

1%

1%

17

11

21

1%Q

1%

2%

1%

3%L

3%AL

1%

1%

1%

1%

2%AQ

1%

4%AQ

1%

14

15

1%

1%

2%

1%

2%

1%

1%

2%

1%

1%

1%

2%

1%

38

23

10

47

2%Q

5%

3%

2%

2%

1%

4%

2%

2%

4%

1%

3%

4%AQ

5%AQ

12%ANOQ

3%

303

11

28

22

41

23

15

26

51

34

19

29

79

14

207

311

20%GNO

15%

18%

18%

28%ABGH

20%

12%

18%

21%G

23%G

20%

20%

22%

14%O

7%

10%

28%ANOP

19%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F15 Apart from your/your partner's personal or occupational pension, are you currently using any of the following things to provide for your retirement?
Base: all retired respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

Unweighted total

1627

1357

31

23

11

43

1627

Weighted total

1519

1274

31**

6**

22**

13**

2**

43*

1627

State retirement pension

1029

883

14

11

24

1099

68%

69%AH

45%

62%

50%

61%

46%

55%

68%

484

403

528

32%H

32%H

23%

50%

7%

7%

13%

32%

54

40

65

4%

3%

12%

2%

4%

Savings or investments

Inheritance

Income derived in some way from your


home or property, such as its sale, equity
release, borrowing, renting

Earnings from part time/ freelance work

Private pension/annuity

Company/work pension

Something else

Nothing/none/I will not do anything

Prefer not to say

Don't know/no answer

BME (H)

51

41

61

3%

3%

5%

26%

3%

6%

4%

46

36

56

3%

3%

14%

2%

3%

11

12

1%

1%

3%

1%
8

1%

1%

17

15

21

1%

1%

1%

14

10

15

1%

1%

5%

1%

38

28

47

2%

2%

9%

3%

303

246

10

10

16

311

20%

19%

32%

47%

39%

54%

38%AB

19%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F16 Apart from the pension plans you may already have, which, if any, of the following things do you plan to use to provide for your retirement?
Base: all non-retired respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

3452

1616

1836

563

761

859

819

450

1675

1777

1337

256

265

98

19

23

3452

Weighted total

3560

1669

1891

597

860

864

867

372

1747

1813

1377

271

280

103*

20**

24**

3452

State retirement pension

1504

775

729

152

276

356

487

232

824

679

528

139

149

61

15

13

1490

42%CDEJK

46%AC

39%

25%

32%D

41%DE

56%ADEF

62%ADEFG

47%AJ

37%

38%

51%AK

53%AK

59%AK

75%

55%

43%

1169

567

602

193

298

279

280

119

736

434

379

105

141

60

12

18

1134

33%JK

34%

32%

32%

35%

32%

32%

32%

42%AJ

24%

28%

39%AK

50%AKL

59%AKL

60%

74%

33%

Savings or investments

Income derived in some way from your


home or property, such as its sale, equity
release, borrowing, renting

Inheritance

Earnings from part time/ freelance work

Something else

Nothing/none/I will not do anything

Prefer not to say

50,000+ (P)

543

269

274

55

124

160

152

51

353

189

152

50

72

43

511

15%DJK

16%

14%

9%

14%D

19%ADEH

18%AD

14%D

20%AJ

10%

11%

19%K

26%AKL

42%AKLM

42%

27%

15%

520

242

278

83

116

161

124

36

332

188

183

42

64

30

499

15%HJ

14%

15%

14%

13%

19%ADEGH

14%H

10%

19%AJ

10%

13%

15%

23%AKL

29%AKL

27%

12%

14%

501

246

255

68

117

112

143

61

304

197

177

48

52

21

483

14%DJ

15%

13%

11%

14%

13%

16%ADF

16%D

17%AJ

11%

13%

18%K

19%AK

20%K

24%

31%

14%

25

16

15

11

12

26

1%

1%

1%

1%

1%

2%A

1%

1%

1%

2%

5%

1%

132

54

79

19

25

28

36

25

21

112

71

133

4%ILM

3%

4%

3%

3%

3%

4%

7%ADEFG

1%

6%AI

5%ALMN

1%

4%

130

57

73

16

44

31

29

10

56

74

43

125

4%LM

3%

4%

3%

5%ADH

4%

3%

3%

3%

4%

3%M

1%

5%

4%

983

422

561

254

275

231

164

60

382

601

460

50

41

936

28%BGHILM

25%

30%AB

43%AEFGH

32%AFGH

27%GH

19%

16%

22%

33%AI

33%ALMN

19%N

15%N

5%

27%

Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F16 Apart from the pension plans you may already have, which, if any, of the following things do you plan to use to provide for your retirement?
Base: all non-retired respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Total (A)

Working (B)

Not working
(C)

Owner (N)

Yes (O)

No (P)

Unweighted total

3452

2096

1337

556

2783

1820

1632

1005

2447

405

694

710

1542

1234

1965

3452

Weighted total

3560

2166

1373

-**

559

2879

1874

1686

1064

2495

432

695

754

1573

1259

2040

3452

State retirement pension

1504

1026

476

234

1248

873

630

408

1096

127

272

265

819

517

938

1490

42%CHIKM

47%AC

35%

42%

43%A

47%AHIJ

37%

38%

44%AHI

29%

39%K

35%

52%AKLM

41%

46%AO

43%

1169

860

310

116

1040

684

485

332

837

124

107

233

685

271

867

1134

33%CEHLO

40%AC

23%

21%

36%AE

37%AHIJ

29%

31%

34%H

29%L

15%

31%L

44%AKLM

21%

42%AO

33%

543

425

118

53

486

359

183

172

371

28

13

81

419

129

403

511

15%CEHKLM

20%AC

9%

9%

17%AE

19%AHIJ

11%

16%H

15%H

6%L

2%

11%KL

27%AKLM

10%

20%AO

15%

Savings or investments

Income derived in some way from your


home or property, such as its sale, equity
release, borrowing, renting

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

O
Inheritance

520

372

148

60

456

323

197

171

349

60

32

112

310

165

340

499

15%CEHL

17%AC

11%

11%

16%AE

17%AHJ

12%

16%H

14%H

14%L

5%

15%L

20%AKLM

13%

17%AO

14%

501

381

118

46

447

292

209

148

353

47

61

132

257

142

342

483

14%CEHKLO

18%AC

9%

8%

16%AE

16%AH

12%

14%

14%H

11%

9%

17%AKL

16%AKL

11%

17%AO

14%

Earnings from part time/ freelance work

Something else

Nothing/none/I will not do anything

25

14

12

19

14

11

17

16

15

26

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%
133

132

39

91

32

85

56

77

35

97

57

21

32

61

38

4%BFGKNP

2%

7%AB

6%AF

3%

3%

5%AG

3%

4%G

1%

8%AKMN

3%

2%

5%AP

2%

4%

130

75

52

16

85

60

70

30

100

21

21

23

40

25

49

125

Prefer not to say

4%FNOP

3%

4%

3%

3%

3%

4%

3%

4%

5%N

3%

3%

3%

2%

2%

4%

983

454

518

179

760

421

563

302

681

199

256

244

254

434

458

936

28%BFGNP

21%

38%AB

32%AF

26%

22%

33%AGIJ

28%G

27%G

46%ALMN

37%AN

32%AN

16%

34%AP

22%

27%

Don't know

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F16 Apart from the pension plans you may already have, which, if any, of the following things do you plan to use to provide for your retirement?
Base: all non-retired respondents

Region
Yorkshire and
Humberside
West
(D)
Midlands (E)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

3452

147

444

283

Weighted total

3560

136

415

302

State retirement pension

1504

56

153

42%CJ

41%

1169
33%Q

Savings or investments

Income derived in some way from your


home or property, such as its sale, equity
release, borrowing, renting

Unweigh
ted total

Internet usage

East
Midlands (F)

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

280

277

288

288

454

467

153

297

250

350

287

453

507

149

128

146

112

154

115

192

186

37%

42%

49%ACHJ

45%CJ

44%J

40%

42%

40

120

101

103

74

114

87

29%

29%

34%

35%

30%

33%

30%

2 to 5 times a Once a week


week (P)
or less (Q)

309

62

2426

480

120

426

3452

290

125*

2533

490

123

414

3452

73

143

46

1048

221

53

182

1490

37%

49%CJ

49%ACHJ

37%

41%

45%

44%

44%

43%

170

168

46

104

42

911

150

46

62

1134

38%ACFH

33%

31%

36%C

34%

36%AOQ

31%Q

37%Q

15%

33%

543

19

41

53

34

32

64

42

73

91

19

33

43

458

60

18

511

15%CLQ

14%

10%

17%CEL

11%

13%

18%CEL

14%

16%C

18%CEL

12%

11%

35%ABCDE

18%AOQ

12%Q

14%Q

2%

15%

520

12

44

54

42

32

59

53

79

56

25

40

23

421

64

20

15

499

15%BCJQ

9%

11%

18%BCJ

14%

13%

17%BCJ

19%BCJ

17%BCJ

11%

17%B

14%

19%

17%AQ

13%Q

17%Q

4%

14%

FGHIJKL
Inheritance

Earnings from part time/ freelance work

Something else

Nothing/none/I will not do anything

501

11

41

43

37

33

46

42

78

82

19

43

27

403

61

15

21

483

14%BCQ

8%

10%

14%

13%

13%

13%

15%

17%ABC

16%BC

12%

15%BC

21%BC

16%AQ

12%Q

12%Q

5%

14%

25

20

26

1%

1%

1%

1%

1%

1%

1%

2%ACDFG

1%

1%

1%

1%

132

39

15

11

14

27

11

114

133

4%DGILNO

4%GL

9%ABDEFGHI

2%

5%DGIL

4%GIL

1%

5%DGIL

2%

5%DGIL

3%

1%

1%N

1%

28%ANOP

4%

JKLM
Prefer not to say

130

15

11

10

19

34

93

23

11

125

4%Q

4%

4%

3%

3%

2%

3%

4%

4%

7%ACDEFG

3%

3%

2%

4%Q

5%Q

9%ANQ

1%

4%

L
Don't know

983

43

122

77

70

68

105

86

126

139

40

75

33

713

148

32

91

936

28%Q

32%

29%

25%

23%

27%

30%

30%

28%

28%

27%

26%

26%

28%Q

30%Q

26%

22%

27%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


F16 Apart from the pension plans you may already have, which, if any, of the following things do you plan to use to provide for your retirement?
Base: all non-retired respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

3452

1704

110

32

130

43

13

218

3452

Weighted total

3560

1686

116

34*

136

46*

14**

230

3452

State retirement pension

1504

829

43

24

10

45

1490

42%DEFH

49%ACDEFH

37%EH

22%

18%

21%

25%

19%

43%

1169

565

42

42

13

62

1134

33%

34%

36%

20%

31%

27%

8%

27%

33%

Savings or investments

Income derived in some way from your


home or property, such as its sale, equity
release, borrowing, renting

Inheritance

Earnings from part time/ freelance work

Something else

Nothing/none/I will not do anything

Prefer not to say

Don't know

543

234

25

11

15

30

511

15%B

14%

22%BEFH

31%ABEFH

11%

6%

8%

13%

15%

520

238

15

16

22

499

15%FH

14%F

13%F

15%F

12%F

8%

10%F

14%

501

217

23

17

35

483

14%B

13%

20%B

28%ABEH

13%

11%

22%

15%

14%

25

15

26

1%

1%

1%

6%

1%
133

132

69

36

11

51

4%

4%

3%

11%A

26%ABC

23%ABC

8%

22%ABC

4%

130

52

125

4%

3%

4%

3%

2%

4%

3%

4%

983

433

31

26

14

54

936

28%BE

26%

27%

22%

19%

31%

47%

24%

27%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F16 Apart from the pension plans you may already have, which, if any, of the following things do you plan to use to provide for your retirement?
Base: all non-retired respondents not currently paying into a pension nor paid into pension in the past

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

1611

656

955

450

400

330

266

165

568

1043

782

73

65

1611

Weighted total

1669

679

990

477

452

328

277

134

600

1068

808

78*

70*

8**

1**

5**

1611

State retirement pension

497

212

285

107

103

95

116

76

194

304

246

30

27

495

30%DE

31%

29%

23%

23%

29%D

42%ADEF

57%ADEFG

32%

28%

30%

38%

39%

39%

37%

31%

360

135

225

139

107

60

39

16

168

192

179

24

23

343

22%GHJ

20%

23%

29%AFGH

24%GH

18%

14%

12%

28%AJ

18%

22%

31%

33%AK

75%

100%

60%

21%

Savings or investments

Earnings from part time/ freelance work

Inheritance

Income derived in some way from your


home or property, such as its sale, equity
release, borrowing, renting

Something else

Nothing/none/I will not do anything

Prefer not to say

Don't know

50,000+ (P)

171

58

113

51

49

29

30

11

81

90

83

13

12

160

10%J

9%

11%

11%

11%

9%

11%

9%

13%AJ

8%

10%

17%

18%

18%

10%

150

56

94

56

41

31

20

79

71

84

11

142

9%HJ

8%

10%

12%AGH

9%H

9%H

7%H

2%

13%AJ

7%

10%

9%

15%

27%

9%

130

52

78

33

39

37

16

66

64

51

12

10

120

8%HJK

8%

8%

7%

9%H

11%ADGH

6%

3%

11%AJ

6%

6%

15%AK

15%AK

26%

18%

7%

13

13

1%C

1%C

1%

1%

1%

1%

1%

1%

14%

1%

105

39

66

17

21

18

28

21

17

88

54

106

6%DI

6%

7%

3%

5%

6%

10%ADEF

16%ADEF

3%

8%AI

7%

3%

2%

7%

63

29

34

10

24

13

12

28

35

21

60

4%DK

4%

3%

2%

5%D

4%

4%

3%

5%

3%

3%

3%

21%

4%

644

258

386

227

190

127

78

22

205

439

326

21

18

613

39%GHILM

38%

39%

48%AFGH

42%GH

39%GH

28%H

17%

34%

41%AI

40%LM

26%

26%

11%

38%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F16 Apart from the pension plans you may already have, which, if any, of the following things do you plan to use to provide for your retirement?
Base: all non-retired respondents not currently paying into a pension nor paid into pension in the past

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Total (A)

Working (B)

Not working
(C)

Owner (N)

Yes (O)

No (P)

Unweighted total

1611

704

903

324

1246

660

951

436

1175

305

470

410

395

732

758

1611

Weighted total

1669

734

931

-**

325

1299

682

986

463

1206

325

471

437

403

748

796

1611

State retirement pension

497

230

267

108

382

224

274

123

375

72

155

121

142

253

224

495

30%HK

31%

29%

33%

29%

33%AHI

28%

26%

31%H

22%

33%K

28%

35%AKM

34%AP

28%

31%

360

200

161

51

306

147

213

77

283

77

59

107

110

106

239

343

22%CEILO

27%AC

17%

16%

24%AE

22%I

22%I

17%

23%AHI

24%L

13%

24%L

27%AL

14%

30%AO

21%

Savings or investments

Earnings from part time/ freelance work

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

171

110

60

17

150

77

94

44

127

25

37

61

47

60

103

160

10%CELO

15%AC

6%

5%

12%AE

11%

10%

9%

11%

8%

8%

14%AKL

12%

8%

13%AO

10%

Inheritance

150

80

70

16

134

67

83

39

111

35

15

49

49

58

85

142

9%CEL

11%AC

8%

5%

10%AE

10%

8%

8%

9%

11%L

3%

11%L

12%AL

8%

11%A

9%

130

79

51

14

115

74

56

37

93

17

28

75

44

82

120

8%CEHKLO

11%AC

5%

4%

9%AE

11%AHIJ

6%

8%

8%H

5%L

2%

7%L

19%AKLM

6%

10%AO

7%

13

11

13

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

2%

1%

1%

1%

Income derived in some way from your


home or property, such as its sale, equity
release, borrowing, renting

Something else

Nothing/none/I will not do anything

Prefer not to say

Don't know

105

27

78

25

76

43

62

31

74

51

19

26

57

30

106

6%BKP

4%

8%AB

8%

6%

6%

6%

7%

6%

2%

11%AKMN

4%K

7%K

8%AP

4%

7%

63

32

30

10

44

24

39

21

42

13

11

15

14

20

22

60

4%OP

4%

3%

3%

3%

4%

4%

4%

4%

4%

2%

3%

3%

3%

3%

4%

644

241

403

134

490

228

416

183

461

175

191

168

102

308

289

613

39%BGN

33%

43%AB

41%

38%

33%

42%AGJ

39%G

38%G

54%ALMN

41%N

38%N

25%

41%

36%

38%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used. ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F16 Apart from the pension plans you may already have, which, if any, of the following things do you plan to use to provide for your retirement?
Base: all non-retired respondents not currently paying into a pension nor paid into pension in the past

Region

Total (A)

NorthEast (B)

NorthWest
(C)

Yorkshire and
Humberside
West
(D)
Midlands (E)

Unweigh
ted total

Internet usage

East
Midlands (F)

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

Unweighted total

1611

77

249

121

141

128

120

126

195

211

77

142

24

1097

192

50

272

1611

Weighted total

1669

72*

235

132

151

117

147

127

197

230

76*

135

50**

1156

196

51*

266

1611

State retirement pension

497

21

65

33

58

41

43

30

55

58

33

49

11

314

60

114

495

30%N

29%

28%

25%

38%ACDHJ

35%

29%

24%

28%

25%

44%ACDGH

36%HJ

22%

27%

31%

19%

43%ANOP

31%

360

14

40

33

37

20

30

27

51

51

15

31

11

291

37

22

343

22%Q

20%

17%

25%

24%

17%

20%

21%

26%C

22%

20%

23%

21%

25%AQ

19%Q

19%Q

8%

21%

IJ
Savings or investments

Earnings from part time/ freelance work

Inheritance

171

21

11

15

13

24

27

11

15

15

139

19

160

10%EQ

4%

9%

8%

5%

8%

10%

10%

12%BE

12%E

14%BE

11%

30%

12%AQ

10%Q

8%

3%

10%

150

20

17

11

25

12

21

12

13

129

10

142

9%JOQ

5%

9%

13%FJ

7%

5%

17%ABCEF

10%

11%J

5%

11%

9%

4%

11%AOQ

5%

11%Q

2%

9%

J
Income derived in some way from your
home or property, such as its sale, equity
release, borrowing, renting

Something else

Nothing/none/I will not do anything

130

19

18

11

19

110

12

120

8%CQ

8%

4%

14%ACEHIL

6%

7%

12%CI

6%

6%

8%C

10%C

6%

16%

10%AQ

6%Q

8%Q

1%

7%

13

13

1%

1%

1%

1%

1%

1%

1%

4%ACEFJ

1%

1%

1%

1%

105

36

13

10

18

10

90

106

6%GILNO

7%GIL

15%ADEFGHIJ

3%

8%GIL

6%L

2%

8%GIL

2%

8%GIL

5%

2%

1%

2%

2%

34%ANOP

7%

KL
Prefer not to say

Don't know

63

16

44

13

60

4%Q

5%

3%

3%

3%

2%

3%

4%

3%

7%AF

1%

5%

4%

4%Q

6%Q

12%ANQ

4%

644

32

82

53

48

45

57

51

90

93

25

48

20

493

84

18

49

613

39%Q

45%E

35%

40%

31%

39%

39%

40%

46%ACE

40%

33%

36%

41%

43%AQ

43%Q

35%Q

19%

38%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F16 Apart from the pension plans you may already have, which, if any, of the following things do you plan to use to provide for your retirement?
Base: all non-retired respondents not currently paying into a pension nor paid into pension in the past

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

1611

689

50

19

89

24

141

1611

Weighted total

1669

682

52*

20**

93*

26**

9**

148

1611

State retirement pension

497

256

14

16

25

495

30%EH

37%AEH

27%

16%

17%

18%

24%

17%

31%

360

127

11

25

36

343

22%B

19%

22%

23%

27%

20%

11%

24%

21%

Savings or investments

Earnings from part time/ freelance work

Inheritance

Income derived in some way from your


home or property, such as its sale, equity
release, borrowing, renting

Something else

Nothing/none/I will not do anything

Prefer not to say

Don't know

171

56

19

160

10%B

8%

14%

21%

10%

13%

19%

13%

10%

150

47

12

16

142

9%B

7%

10%

15%

13%

11%

11%

9%

130

39

10

14

120

8%B

6%

19%AB

27%

9%

10%

7%

13

13

1%

1%

1%

105

57

28

38

106

6%

8%A

4%

14%

30%ABC

24%

11%

26%ABC

7%

63

28

60

4%

4%

4%

1%

5%

2%

4%

644

240

22

16

35

613

39%BEH

35%EH

43%EH

32%

18%

29%

57%

24%E

38%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F17 Have you done any of the following in the past two years?
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

1931

Bought one or more high value electronic


items such as a television, computer,
laptop, tablet computer

50,000+ (P)

1905

986

919

217

339

395

387

566

1124

781

732

143

175

73

15

22

38%CHJK

40%AC

35%

36%H

39%H

45%ADEH

43%ADH

31%

44%AJ

31%

31%

47%AK

57%AKL

62%AKL

57%

67%AKL

38%

1682

828

854

211

325

291

309

545

1116

566

635

140

167

76

16

25

1710

33%HJK

34%

33%

35%H

38%AH

33%H

34%H

30%

44%AJ

22%

27%

46%AK

54%AKL

65%AKL

60%

78%AKLM

34%

Taken an overseas holiday

Bought one or more high value new items


for your household such as a cooker,
fridge, dishwasher

1221

610

611

67

203

253

256

442

697

524

472

106

112

52

11

1254

24%DJK

25%

23%

11%

23%D

29%ADEH

28%ADEH

24%D

28%AJ

21%

20%

35%AK

36%AK

44%AK

24%

33%

25%

845

434

411

94

173

170

152

257

528

317

297

77

93

43

864

17%HJK

18%

16%

16%

20%ADH

20%AH

17%

14%

21%AJ

12%

13%

25%AK

30%AK

37%AKL

33%

20%

17%

Bought a new car or other vehicle

Renovated or made substantial changes to


your home or rooms in your home

689

351

338

31

115

149

135

260

456

234

250

57

67

31

712

14%DJK

14%

13%

5%

13%D

17%ADEH

15%D

14%D

18%AJ

9%

11%

19%AK

22%AK

27%AK

27%

18%

14%
157

Put down a deposit on a house

164

79

85

32

64

30

21

18

123

41

52

16

29

11

3%HJK

3%

3%

5%AGH

7%AFGH

3%H

2%H

1%

5%AJ

2%

2%

5%K

9%AK

10%AK

3%

6%

3%

1846

878

968

220

262

249

298

817

657

1190

1044

57

46

11

1805

36%EFGILM

36%

37%

37%EF

30%

29%

33%

44%ADEFG

26%

47%AI

44%ALMNP

19%N

15%

9%

19%

12%

36%

None of these

NP
Can't remember

Don't know/no answer

88

45

43

23

13

13

32

29

59

43

84

2%ILM

2%

2%

1%

3%

1%

1%

2%

1%

2%AI

2%LM

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F17 Have you done any of the following in the past two years?
Base: all respondents

Work status

Disability

Relationship status

Home status

Benefit recipient

Unweigh
ted total

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

Bought one or more high value electronic


items such as a television, computer,
laptop, tablet computer

1905

996

445

463

310

1563

1216

689

498

1407

154

257

329

1135

578

1260

1931

38%CDEHJL

46%ACD

32%

31%

33%

39%AE

45%AHJ

29%

46%AHJ

35%H

35%L

26%

40%L

42%AKL

35%

42%AO

38%

O
Taken an overseas holiday

1682

919

317

445

176

1487

1088

594

343

1339

140

133

275

1115

321

1315

1710

33%CDEHLO

42%ACD

23%

29%C

19%

38%AE

40%AHIJ

25%

32%H

33%H

32%L

14%

33%L

41%AKLM

19%

44%AO

34%

Bought one or more high value new items


for your household such as a cooker,
fridge, dishwasher

1221

599

255

368

205

996

891

330

378

844

30

183

138

853

403

772

1254

24%CHJKLM

28%ACD

19%

24%C

22%

25%AE

33%AHJ

14%

35%AHJ

21%H

7%

19%K

17%K

32%AKLM

24%

26%A

25%

845

498

131

216

113

723

603

242

246

599

74

60

118

583

203

611

864

17%CDEHJL

23%ACD

10%

14%C

12%

18%AE

22%AHJ

10%

23%AHJ

15%H

17%L

6%

14%L

22%AKLM

12%

20%AO

17%

689

350

107

233

91

591

525

164

206

483

10

44

27

593

173

498

712

14%CEHJKL

16%AC

8%

15%AC

10%

15%AE

19%AHJ

7%

19%AHJ

12%H

2%

4%

3%

22%AKLM

11%

17%AO

14%

157

Bought a new car or other vehicle

O
Renovated or made substantial changes to
your home or rooms in your home

MO
Put down a deposit on a house

164

118

33

13

19

142

108

56

48

116

20

131

34

128

3%CDEHJLO

5%ACD

2%D

1%

2%

4%AE

4%AHJ

2%

4%AHJ

3%H

2%L

2%L

5%AKLM

2%

4%AO

3%

1846

511

640

678

451

1293

720

1126

298

1549

171

542

288

759

741

830

1805

36%BFGINP

24%

47%AB

45%AB

48%AF

33%

27%

47%AGIJ

28%

39%AGI

39%N

56%AKMN

35%N

28%

45%AP

28%

36%

88

35

23

27

12

53

36

51

17

70

24

16

28

24

28

84

2%FGNP

2%

2%

2%

1%

1%

1%

2%AG

2%

2%G

1%

2%AN

2%N

1%

1%

1%

2%

None of these

Can't remember

Don't know/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


F17 Have you done any of the following in the past two years?
Base: all respondents

Region
Yorkshire and
Humberside
West
(D)
Midlands (E)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

Weighted total

5079

210

565

423

Bought one or more high value electronic


items such as a television, computer,
laptop, tablet computer

Unweigh
ted total

Internet usage

East
Midlands (F)

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

429

418

406

441

705

620

257

445

365

470

433

693

653

247

2 to 5 times a Once a week


week (P)
or less (Q)

468

72

3074

723

173

1109

5079

433

141*

3076

691

165

1147

5079

1905

77

177

165

152

131

189

177

259

253

83

158

83

1509

265

57

74

1931

38%CQ

37%

31%

39%C

34%

36%

40%C

41%CE

37%C

39%C

34%

36%

59%ABCDE

49%AOPQ

38%Q

35%Q

6%

38%

FGHIJKL
Taken an overseas holiday

1682

68

171

154

118

108

164

137

237

240

68

137

80

1281

256

69

78

1710

33%EQ

32%

30%

36%CEFK

26%

30%

35%EK

32%

34%E

37%ACEFK

27%

32%

57%ABCDE

42%AOQ

37%AQ

42%AQ

7%

34%

FGHIJKL
Bought one or more high value new items
for your household such as a cooker,
fridge, dishwasher

Bought a new car or other vehicle

Renovated or made substantial changes to


your home or rooms in your home

1221

51

114

105

106

90

116

116

171

159

58

88

49

874

205

40

103

1254

24%CQ

24%

20%

25%

24%

25%

25%

27%CL

25%

24%

23%

20%

35%ACL

28%AQ

30%AQ

24%Q

9%

25%

845

37

88

81

81

63

85

83

131

70

42

64

20

642

110

35

58

864

17%JQ

18%J

16%J

19%J

18%J

17%J

18%J

19%J

19%J

11%

17%J

15%J

14%

21%AOQ

16%Q

21%Q

5%

17%

689

26

65

59

57

39

90

63

97

85

29

53

27

531

102

19

37

712

14%Q

12%

12%

14%

13%

11%

19%ABCEF

15%

14%

13%

12%

12%

19%

17%AQ

15%Q

12%Q

3%

14%

164

15

12

16

17

14

26

21

11

142

16

157

3%CPQ

4%

2%

4%C

3%

4%C

4%C

3%

4%C

3%

3%

2%

6%C

5%AOPQ

2%Q

1%

1%

3%

1846

87

245

131

178

136

149

147

256

227

97

173

20

731

203

45

868

1805

36%DGMNO

41%DGM

43%ADFGHIJ

31%M

40%DGM

37%M

32%M

34%M

37%DM

35%M

39%DM

40%DGM

14%

24%

29%N

28%

76%ANOP

36%

IJKL
Put down a deposit on a house

None of these

P
Can't remember

Don't know/no answer

88

10

10

21

11

34

44

84

2%NO

2%

2%

1%

2%

1%

1%

1%

1%

3%ADHI

2%

3%

1%

1%

3%NO

4%ANO

2%

*A

*A

*AN

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


F17 Have you done any of the following in the past two years?
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

1931

Bought one or more high value electronic


items such as a television, computer,
laptop, tablet computer

1905

972

61

14

40

68

38%BEFH

33%FH

42%BEFH

34%F

25%

16%

29%

25%

38%

1682

880

67

12

30

54

1710

33%BEFH

30%EFH

46%ABEFH

30%

19%

14%

27%

20%

34%

Taken an overseas holiday

Bought one or more high value new items


for your household such as a cooker,
fridge, dishwasher

1221

690

40

20

34

1254

24%EFH

23%EFH

27%EFH

16%

13%

10%

7%

12%

25%

845

459

26

15

24

864

17%BEFH

16%EFH

18%EFH

12%

9%

5%

8%

9%

17%

Bought a new car or other vehicle

Renovated or made substantial changes to


your home or rooms in your home

Put down a deposit on a house

None of these

Can't remember

Don't know/no answer

689

401

31

19

27

712

14%

14%

21%ABEFH

13%

12%

5%

10%

14%
157

164

69

11

3%B

2%

5%

12%ABEFH

4%

4%

3%

1846

1230

46

16

92

37

152

1805

36%

42%AC

31%

39%

58%ABCD

63%ABCD

52%

56%ABCD

36%

88

39

16

84

2%B

1%

3%B

5%B

5%AB

9%AB

6%AB

2%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F18 You said you have put down a deposit on a house/renovated or made substantial changes to your home or rooms in your home/bought a new car or other vehicle/taken an overseas holiday/bought one
or more high value electronic items for your household such as a cooker, fridge, dishwasher/bought one or more high value electronic items such as a television, computer, laptop, tablet computer
in the last two years. Which, if any, of the following did you do to pay for this?
Base: all who have done something mentioned at F17 in the past two years

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

3188

1573

1615

353

513

603

557

1162

1872

1316

1293

241

255

105

23

29

3188

Weighted total

3142

1544

1598

375

582

608

591

986

1843

1299

1269

248

262

107

22**

28**

3188

Used money in a current account

1127

595

532

166

225

225

201

310

665

461

436

99

105

45

14

1137

36%CH

39%AC

33%

44%AFGH

39%H

37%H

34%

31%

36%

36%

34%

40%

40%

42%

37%

48%

36%

1425

692

733

151

249

232

252

541

904

521

608

99

97

61

13

14

1461

45%DFJM

45%

46%

40%

43%

38%

43%

55%ADEFG

49%AJ

40%

48%ALM

40%

37%

57%ALM

60%

48%

46%

423

218

204

30

97

90

93

113

270

153

145

47

48

15

425

13%DHJK

14%

13%

8%

17%ADH

15%DH

16%DH

11%

15%AJ

12%

11%

19%AK

18%AK

14%

9%

14%

13%

Used money from savings

Used a credit card, store card or overdraft

Took out a loan from a bank or building


society

Took out a loan from another source such


as a pay day loan company

Borrowed money from family/friends

Borrowed against home/


remortgage/increased mortgage on home

Used a redundancy payment

Used my inheritance

Used a credit/hire purchase agreement/0%


financing plan

Family/friends paid

Received as a gift

Other

50,000+ (P)

84

49

35

11

26

14

19

13

53

31

27

78

3%H

3%

2%

3%H

4%AH

2%

3%H

1%

3%

2%

2%

3%

3%

4%

5%

3%

2%

29

11

17

15

13

15

27

1%H

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

5%

1%

159

56

103

39

49

40

24

81

78

65

19

149

5%BHI

4%

6%AB

11%AFGH

8%AGH

7%H

4%H

1%

4%

6%AI

5%

3%

7%

3%

5%

32

18

14

14

24

30

1%HK

1%

1%

1%

1%H

2%AH

1%H

1%

1%

1%

2%K

7%AKLM

4%

1%

40

21

19

17

19

21

14

38

1%H

1%

1%

1%

1%

2%

3%ADEH

1%

1%

2%

1%

1%

2%

1%

5%

4%

1%

73

34

39

18

14

11

21

41

32

29

74

2%

2%

2%

2%

3%

2%

2%

2%

2%

2%

2%

3%

2%

2%

208

97

111

17

44

53

52

42

111

97

73

21

21

205

7%H

6%

7%

4%

8%H

9%ADH

9%ADH

4%

6%

7%

6%

9%

8%

7%

4%

4%

6%

28

23

16

16

12

17

29

1%BEH

1%AB

4%AEFGH

1%E

1%

1%

1%

1%

3%

1%

17

14

10

10

16

1%B

1%AB

1%

1%H

1%

1%

1%

1%

84

38

46

13

24

15

25

41

43

34

88

3%

2%

3%

2%

2%

4%A

3%

3%

2%

3%

3%

4%

1%

5%

3%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F18 You said you have put down a deposit on a house/renovated or made substantial changes to your home or rooms in your home/bought a new car or other vehicle/taken an overseas holiday/bought one
or more high value electronic items for your household such as a cooker, fridge, dishwasher/bought one or more high value electronic items such as a television, computer, laptop, tablet computer
in the last two years. Which, if any, of the following did you do to pay for this?
Base: all who have done something mentioned at F17 in the past two years

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Weighted total

3142

1544

1598

375

582

608

591

986

1843

1299

1269

248

262

107

22**

28**

3188

None of these

11

11

10

11

*I

1%ADEFG

1%AI

1%A

Don't know/can't remember/no answer

31

13

18

13

18

12

31

1%

1%

1%

1%

2%

1%

1%

1%

1%

1%

1%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F18 You said you have put down a deposit on a house/renovated or made substantial changes to your home or rooms in your home/bought a new car or other vehicle/taken an overseas holiday/bought one
or more high value electronic items for your household such as a cooker, fridge, dishwasher/bought one or more high value electronic items such as a television, computer, laptop, tablet computer
in the last two years. Which, if any, of the following did you do to pay for this?
Base: all who have done something mentioned at F17 in the past two years

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Total (A)

Working (B)

Not working
(C)

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Unweighted total

3188

1565

682

940

501

2637

1991

1197

718

2470

240

424

500

1974

894

2176

3188

Weighted total

3142

1620

708

813

480

2612

1941

1202

761

2382

259

410

524

1900

886

2138

3188

Used money in a current account

1127

600

271

256

149

957

667

459

254

873

109

133

234

629

285

797

1137

36%DEGNO

37%D

38%D

31%

31%

37%AE

34%

38%AGI

33%

37%G

42%ALN

32%

45%ALN

33%

32%

37%AO

36%

1425

701

264

460

207

1205

925

500

293

1132

117

144

164

979

323

1064

1461

45%BCHILM

43%C

37%

57%ABC

43%

46%

48%AHI

42%

39%

48%AHI

45%LM

35%

31%

52%ALM

37%

50%AO

46%

Used money from savings

O
Used a credit card, store card or overdraft

Took out a loan from a bank or building


society

Took out a loan from another source such


as a pay day loan company

423

249

85

89

60

359

265

157

112

310

25

47

73

274

115

297

425

13%D

15%ACD

12%

11%

12%

14%

14%

13%

15%

13%

10%

11%

14%

14%A

13%

14%

13%

84

62

13

15

66

58

26

27

56

16

52

24

60

78

3%CD

4%ACD

1%

2%

3%

3%

3%J

2%

4%

2%

3%

2%

3%

3%

3%

3%

2%

29

13

10

12

16

12

16

12

17

11

19

27

1%FGJNP

1%

1%

1%

2%AF

1%

1%

1%AGJ

2%GJ

1%

1%

2%AN

1%

1%

2%AP

1%

Borrowed money from family/friends

159

88

66

29

126

80

79

61

98

27

31

39

62

85

69

149

5%DGJNP

5%D

9%ABD

1%

6%

5%

4%

7%AGJ

8%AGJ

4%

10%AN

8%AN

7%AN

3%

10%AP

3%

5%

32

28

29

26

16

16

28

25

30

1%CDHJLM

2%ACD

1%

1%AHJ

2%AHJ

1%

1%

1%ALM

1%

1%

1%

Borrowed against home/


remortgage/increased mortgage on home

Used a redundancy payment

Used my inheritance

Used a credit/hire purchase agreement/0%


financing plan

40

24

30

21

18

34

23

16

22

38

1%

2%

1%

1%

2%

1%

1%

2%

1%

1%

1%

1%

1%

1%

2%

1%

1%

73

34

20

19

12

57

45

28

24

49

11

47

28

43

74

2%

2%

3%

2%

2%

2%

2%

2%

3%

2%

2%

3%

1%

2%

3%

2%

2%

208

125

52

31

37

165

143

64

65

143

12

48

40

105

83

115

205

7%DHJNP

8%AD

7%D

4%

8%

6%

7%AHJ

5%

8%AHJ

6%

5%

12%AKMN

8%

6%

9%AP

5%

6%

28

10

16

26

21

21

10

10

18

29

1%DGN

1%

2%ABD

1%

2%AGJ

1%G

1%G

3%AN

1%N

2%AN

1%

1%

1%

Family/friends paid

Received as a gift

Other

17

11

15

16

1%DFP

1%

1%D

1%AF

1%

1%

1%

1%

1%

1%

84

40

23

22

27

56

50

34

28

56

16

23

40

38

44

88

3%FJNP

2%

3%

3%

6%AF

2%

3%

3%

4%

2%

1%

4%KN

4%AKN

2%

4%AP

2%

3%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


F18 You said you have put down a deposit on a house/renovated or made substantial changes to your home or rooms in your home/bought a new car or other vehicle/taken an overseas holiday/bought one
or more high value electronic items for your household such as a cooker, fridge, dishwasher/bought one or more high value electronic items such as a television, computer, laptop, tablet computer
in the last two years. Which, if any, of the following did you do to pay for this?
Base: all who have done something mentioned at F17 in the past two years

Work status

Disability

Unweigh
Benefit recipient ted total

Home status

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

2382

259

410

524

1900

886

2138

3188

Total (A)

Working (B)

Not working
(C)

3142

1620

708

11

10

11

11

11

*BG

1%ABC

1%AGI

*G

1%A

Weighted total
None of these

Don't know/can't remember/no answer

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

813

480

2612

1941

1202

761

31

14

15

24

11

20

11

20

11

11

31

1%DGNP

1%

2%ABD

1%

1%

1%

2%AGJ

1%G

1%

2%N

2%AN

1%N

1%P

1%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Relationship status

Money Advice Service - Financial Capability Tracker Survey - FINAL


F18 You said you have put down a deposit on a house/renovated or made substantial changes to your home or rooms in your home/bought a new car or other vehicle/taken an overseas holiday/bought one
or more high value electronic items for your household such as a cooker, fridge, dishwasher/bought one or more high value electronic items such as a television, computer, laptop, tablet computer
in the last two years. Which, if any, of the following did you do to pay for this?
Base: all who have done something mentioned at F17 in the past two years

Region

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

3188

137

347

278

258

264

276

294

450

393

154

Weighted total

3142

119

310

287

257

225

315

281

428

405

146

Used money in a current account

1127

44

115

110

91

75

128

93

135

155

36%IQ

37%

37%

38%

35%

33%

41%IM

33%

31%

1425

47

128

127

119

112

148

137

45%J

40%

41%

44%

46%

50%CJ

47%

423

13

33

33

23

32

38

13%EQ

11%

11%

11%

9%

14%

12%

Used money from savings

Used a credit card, store card or overdraft

Took out a loan from a bank or building


society

Unweigh
ted total

Internet usage

Yorkshire
and
Humberside
(D)

West
Midlands (E)

East
Midlands (F)

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

275

62

2318

515

121

234

3188

248

121*

2311

484

115

232

3188

55

95

32

865

165

39

58

1137

38%I

38%

38%

26%

37%AQ

34%Q

34%

25%

36%

213

165

61

103

66

1041

224

50

110

1461

49%J

50%ABCJL

41%

42%

41%

54%J

45%

46%

44%

47%

46%

40

66

73

21

37

14

331

62

12

17

425

14%E

15%CE

18%ACDEG

14%

15%E

11%

14%AQ

13%Q

11%

7%

13%

84

10

15

11

68

78

3%HLO

6%AFHIJK

3%HL

3%HL

3%L

2%

5%AHJKL

1%

3%L

2%

1%

7%HJKL

3%O

1%

4%

2%

2%

L
Took out a loan from another source such
as a pay day loan company

Borrowed money from family/friends

Borrowed against home/


remortgage/increased mortgage on home

Used a redundancy payment

Used my inheritance

Used a credit/hire purchase agreement/0%


financing plan

Family/friends paid

Received as a gift

Other

29

19

27

1%

1%

1%

1%

1%

1%

1%

2%AC

2%

1%

2%

1%

1%

159

18

15

10

18

13

22

14

13

12

127

21

149

5%Q

7%

6%

5%

4%

4%

6%

5%

5%

3%

5%

5%

10%J

5%Q

4%

5%

2%

5%

32

24

30

1%

2%

2%

1%

1%

1%

1%

3%

1%

2%

1%

40

27

38

1%

1%

1%

1%

2%

1%

2%

1%

1%

1%

1%

3%

1%

2%

2%

1%

73

11

15

10

50

16

74

2%

3%

3%

1%

4%DFI

1%

5%ADFIL

2%

1%

2%

3%

1%

2%

3%

3%

1%

2%

208

29

19

21

13

17

15

25

19

10

20

13

160

30

11

205

7%

6%

9%AJ

6%

8%

6%

5%

5%

6%

5%

7%

8%

11%

7%

6%

6%

5%

6%

28

22

29

1%

1%

2%AG

1%G

1%

1%

1%

2%G

1%

1%

2%

1%

17

16

1%N

1%

1%

1%

1%

1%G

1%

2%

1%AN

1%

1%

84

10

10

12

10

58

10

12

88

3%

4%G

3%

2%

3%G

3%

1%

3%G

3%

2%

4%

3%

3%

2%

3%

5%ANO

3%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Money Advice Service - Financial Capability Tracker Survey - FINAL


F18 You said you have put down a deposit on a house/renovated or made substantial changes to your home or rooms in your home/bought a new car or other vehicle/taken an overseas holiday/bought one
or more high value electronic items for your household such as a cooker, fridge, dishwasher/bought one or more high value electronic items such as a television, computer, laptop, tablet computer
in the last two years. Which, if any, of the following did you do to pay for this?
Base: all who have done something mentioned at F17 in the past two years

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

3142

119

310

287

257

11

*N

Weighted total
None of these

Don't know/can't remember/no answer

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

225

315

281

428

405

146

248

121*

2311

484

115

1%AG

1%

1%

232

3188

11

11

5%ANOP

31

26

31

1%

1%

2%E

1%

1%

1%

1%

2%AE

2%E

1%

1%

1%

1%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

Unweigh
ted total

Internet usage

Money Advice Service - Financial Capability Tracker Survey - FINAL


F18 You said you have put down a deposit on a house/renovated or made substantial changes to your home or rooms in your home/bought a new car or other vehicle/taken an overseas holiday/bought one
or more high value electronic items for your household such as a cooker, fridge, dishwasher/bought one or more high value electronic items such as a television, computer, laptop, tablet computer
in the last two years. Which, if any, of the following did you do to pay for this?
Base: all who have done something mentioned at F17 in the past two years

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

Unweighted total

3188

1801

93

22

56

16

101

3188

Weighted total

3142

1689

96*

22**

58*

17**

7**

104*

3188

Used money in a current account

1127

569

48

27

38

1137

36%B

34%

50%AB

14%

46%H

32%

45%

37%

36%

1425

797

41

22

10

44

1461

45%

47%A

43%

41%

38%

62%

44%

42%

46%

423

224

14

14

425

13%

13%

15%

13%

10%

19%

26%

13%

13%

Used money from savings

Used a credit card, store card or overdraft

Took out a loan from a bank or building


society

Took out a loan from another source such


as a pay day loan company

Borrowed money from family/friends

Borrowed against home/


remortgage/increased mortgage on home

Used a redundancy payment

Used my inheritance

Used a credit/hire purchase


agreement/0% financing plan

Family/friends paid

Received as a gift

Other

None of these

BME (H)

84

39

78

3%

2%

1%

4%

4%

3%

2%

29

10

27

1%B

1%

4%AB

7%

3%AB

1%

159

66

149

5%B

4%

4%

7%

14%

5%

5%

32

12

30

1%B

1%

1%

6%AB

3%AB

1%

40

22

38

1%

1%

7%

1%

1%

73

39

74

2%

2%

2%

5%

2%

2%

2%

208

100

11

205

7%

6%

6%

11%

11%

12%

10%

6%

28

29

1%B

1%

4%

2%

2%B

1%

17

16

1%

1%

1%

1%

1%

84

56

88

3%

3%A

1%

9%

2%

3%

11

10

11

1%A

2%

1%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F18 You said you have put down a deposit on a house/renovated or made substantial changes to your home or rooms in your home/bought a new car or other vehicle/taken an overseas holiday/bought one
or more high value electronic items for your household such as a cooker, fridge, dishwasher/bought one or more high value electronic items such as a television, computer, laptop, tablet computer
in the last two years. Which, if any, of the following did you do to pay for this?
Base: all who have done something mentioned at F17 in the past two years

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

3142

1689

96*

22**

58*

17**

7**

104*

3188

31

13

31

1%

1%

1%

5%

2%

2%

1%

Weighted total
Don't know/can't remember/no answer

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F19 How long did you save before you put down a deposit on a house/renovated or made substantial changes to your home or rooms in your home/bought a new car or other vehicle/took an overseas
holiday/bought one or more high value electronic items for your household such as a cooker, fridge, dishwasher/bought one or more high value electronic items such as a television, computer,
laptop, tablet computer?
Base: all online respondents who have used savings to pay for something mentioned at F17 in the past two years

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

50,000+ (P)

Unweighted total

1361

675

686

144

212

225

228

552

883

478

542

97

91

60

14

14

1361

Weighted total

1322

651

672

151

244

228

244

456

860

463

521

98*

94*

61*

13**

14**

1361

Six months or less

518

271

247

69

96

92

102

160

342

176

192

46

35

28

528

39%H

42%

37%

46%H

39%

40%

42%

35%

40%

38%

37%

47%

37%

46%

50%

62%

39%

Between seven months and a year

More than a year but less than two years

Two years or more

Prefer not to say

Don't know/can't remember

229

111

118

27

56

40

43

63

138

91

87

14

17

16

230

17%H

17%

18%

18%

23%AH

18%

18%

14%

16%

20%

17%

14%

19%

27%

7%

17%

140

63

77

16

31

26

24

41

84

56

64

10

17

142

11%

10%

11%

11%

13%

11%

10%

9%

10%

12%

12%

10%

18%AN

6%

19%

8%

10%

201

95

105

14

34

29

28

96

143

58

90

15

15

214

15%DJ

15%

16%

9%

14%

13%

12%

21%ADEFG

17%

13%

17%

15%

16%

14%

15%

6%

16%

19

12

12

21

1%

1%

2%

2%

2%

2%

1%

2%

2%

2%

216

104

112

24

26

36

41

88

142

74

80

13

10

226

16%E

16%

17%

16%

11%

16%

17%

19%AE

16%

16%

15%

13%

11%

8%

8%

25%

17%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F19 How long did you save before you put down a deposit on a house/renovated or made substantial changes to your home or rooms in your home/bought a new car or other vehicle/took an overseas
holiday/bought one or more high value electronic items for your household such as a cooker, fridge, dishwasher/bought one or more high value electronic items such as a television, computer,
laptop, tablet computer?
Base: all online respondents who have used savings to pay for something mentioned at F17 in the past two years

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Total (A)

Working (B)

Not working
(C)

Unweighted total

1361

663

234

463

201

1146

905

456

267

1094

110

128

155

949

305

1022

1361

Weighted total

1322

687

248

386

185

1124

870

452

289

1034

116

124

159

903

297

992

1361

Six months or less

518

286

89

142

74

442

327

191

99

419

48

51

76

334

104

402

528

39%N

42%

36%

37%

40%

39%

38%

42%I

34%

41%AG

41%

41%

48%AN

37%

35%

41%

39%

Between seven months and a year

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

229

135

53

41

31

196

150

79

63

166

25

28

25

149

66

157

230

17%DJP

20%AD

21%D

11%

17%

17%

17%

17%

22%AGJ

16%

22%

23%

16%

17%

22%AP

16%

17%

140

78

29

33

13

126

99

41

43

96

13

12

13

98

41

95

142

11%JP

11%

12%

8%

7%

11%

11%J

9%

15%AGHJ

9%

11%

10%

8%

11%

14%AP

10%

10%

201

83

35

83

36

162

142

59

32

169

11

14

21

153

39

159

214

15%BI

12%

14%

21%ABC

19%

14%

16%I

13%

11%

16%AHI

9%

11%

13%

17%AK

13%

16%

16%

19

10

16

15

14

15

12

21

1%

1%

1%

2%

1%

1%

2%

1%

2%

1%

1%

1%

2%

1%

1%

2%

More than a year but less than two years

Two years or more

Prefer not to say

Don't know/can't remember

216

96

39

81

29

182

138

78

46

169

19

18

22

155

43

168

226

16%B

14%

16%

21%AB

16%

16%

16%

17%

16%

16%

16%

15%

14%

17%

14%

17%

17%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

Money Advice Service - Financial Capability Tracker Survey - FINAL


F19 How long did you save before you put down a deposit on a house/renovated or made substantial changes to your home or rooms in your home/bought a new car or other vehicle/took an overseas
holiday/bought one or more high value electronic items for your household such as a cooker, fridge, dishwasher/bought one or more high value electronic items such as a television, computer,
laptop, tablet computer?
Base: all online respondents who have used savings to pay for something mentioned at F17 in the past two years

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

1361

52

133

110

112

Weighted total

1322

44*

117

109

Six months or less

518

23

40

50

39%P

51%CK

35%

46%K

Between seven months and a year

More than a year but less than two years

Two years or more

Prefer not to say

Don't know/can't remember

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

123

130

136

211

156

54

110

34

1055

244

54

1361

109

103

145

128

196

159

49*

97

66*

1041

224

50*

7**

1361

43

37

62

50

71

65

14

40

23

429

80

10

528

40%

36%

43%

39%

36%

41%

27%

41%

34%

41%AP

35%P

20%

39%

229

24

23

19

19

21

21

28

22

24

15

178

35

13

230

17%

10%

21%

21%

18%

19%

15%

16%

14%

14%

16%

25%ABGIJ

23%

17%

16%

26%

25%

17%

140

13

15

11

16

16

21

12

10

111

23

142

11%

9%

11%

8%

13%

11%

11%

13%

11%

7%

21%ADIJL

7%

9%

11%

10%

10%

10%

201

21

18

15

13

24

20

34

20

11

10

145

46

214

15%N

15%

18%

17%

13%

12%

16%

16%

17%

13%

18%

11%

15%

14%

20%AN

16%

22%

16%

19

14

21

1%

2%

1%

2%

1%

2%

2%

2%

2%

1%

2%

2%

2%

216

16

15

23

21

18

37

37

15

12

163

36

13

226

16%D

15%

14%

8%

14%

22%D

14%

14%

19%D

23%ADH

16%

15%

18%

16%

16%

26%

53%

17%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


F19 How long did you save before you put down a deposit on a house/renovated or made substantial changes to your home or rooms in your home/bought a new car or other vehicle/took an overseas
holiday/bought one or more high value electronic items for your household such as a cooker, fridge, dishwasher/bought one or more high value electronic items such as a television, computer,
laptop, tablet computer?
Base: all online respondents who have used savings to pay for something mentioned at F17 in the past two years

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

1361

764

39

19

10

40

1361

Weighted total

1322

698

40*

9**

20**

10**

2**

41*

1361

Six months or less

518

266

15

11

528

39%

38%

37%

27%

22%

29%

52%

26%

39%

Between seven months and a year

More than a year but less than two years

Two years or more

Prefer not to say

Don't know/can't remember

229

116

14

230

17%

17%

18%

25%

37%

42%

33%AB

17%

140

70

142

11%

10%

7%

9%

23%

20%

18%

10%

201

111

214

15%

16%

16%

24%

19%

9%

48%

19%

16%

19

12

21

1%

2%

5%

2%

216

124

226

16%H

18%H

17%H

14%

3%

17%

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Money Advice Service - Financial Capability Tracker Survey - FINAL


H12/H15/H17 Total annual income
Base: all respondents

Gender

Age

Social grade

Unweigh
ted total

Income

Total (A)

Male (B)

Female (C)

18 - 24 (D)

25 - 34 (E)

35 - 44 (F)

45 - 54 (G)

55+ (H)

ABC1 (I)

C2DE (J)

14,999 or
less (K)

15,000 to
19,999 (L)

20,000 to
29,999 (M)

30,000 to
39,999 (N)

40,000 to
49,999 (O)

Unweighted total

5079

2476

2603

568

767

866

853

2025

2537

2542

2345

297

299

116

27

33

5079

Weighted total

5079

2468

2611

602

866

871

903

1837

2530

2549

2359

305

308

118

27**

32*

5079

1293

534

759

187

116

85

105

801

550

743

1293

1263

25%BEFGIL

22%

29%AB

31%AEFG

13%F

10%

12%

44%ADEFG

22%

29%AI

55%ALMNP

25%

1066

465

601

186

191

160

223

305

485

581

1066

1082

21%BFHILM

19%

23%AB

31%AEFGH

22%H

18%

25%AFH

17%

19%

23%AI

45%ALMNP

21%

297

50,000+ (P)

MNP
1 to 14,999

NP
15,000 to 19,999

305

184

121

21

89

83

62

51

193

112

305

6%CDHJKMN

7%AC

5%

3%

10%ADGH

10%ADH

7%DH

3%

8%AJ

4%

100%AKMNP

6%

308

205

102

13

85

95

73

42

226

82

308

299

6%CDHJKLN

8%AC

4%

2%

10%ADH

11%ADGH

8%ADH

2%

9%AJ

3%

100%AKLNP

6%

177

135

42

27

58

50

39

148

29

118

27

32

176

3%CDHJKLM

5%AC

2%

3%D

7%ADEH

6%ADEH

2%D

6%AJ

1%

100%AKLM

100%

100%AKLM

3%

1930

945

985

193

358

390

390

599

928

1002

1962

38%DHKLMN

38%

38%

32%

41%ADH

45%ADH

43%ADH

33%

37%

39%

39%

11427.01AC

7171.27

5177.19

13460.30A

15929.00A

13114.69AD

4619.26

12397.30AJ

5949.99

3530.12

17228.15A

23777.25A

32801.30A

43573.01

96690.62AKL

9238.08

DH

DGH

KL

KLM

11513.95

14504.48

10821.45

17006.1

23630.26

31944.17

20,000 to 29,999

30,000+

Don't know/no answer

P
Mean ()

9230.05C
DHJK

Median ()

4209.09CH

7573.92

1799.42

1544.81H

JK

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C - A/D/E/F/G/H - A/I/J - A/K/L/M/N/O/P
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

8989.78

1508.55

MN
43197.19

66204.29

4475.2

Money Advice Service - Financial Capability Tracker Survey - FINAL


H12/H15/H17 Total annual income
Base: all respondents

Work status

Disability

Relationship status

Unweigh
Benefit recipient ted total

Home status

Nonparent (J)

Living at
home (K)

LA/housing
association
(L)

Private rent
(M)

Owner (N)

Yes (O)

No (P)

Total (A)

Working (B)

Not working
(C)

Unweighted total

5079

2096

1337

1627

961

3952

2745

2334

1017

4062

409

992

794

2740

1661

3009

5079

Weighted total

5079

2166

1373

1519

943

3960

2700

2379

1076

4003

436

976

828

2690

1650

2998

5079

1293

19

499

756

250

953

610

683

89

1204

107

209

137

761

79

914

1263

25%BFGILMO

1%

36%AB

50%ABC

26%

24%

23%I

29%AGI

8%

30%AGHI

25%M

21%M

17%

28%ALM

5%

30%AO

25%

1066

444

396

226

251

799

524

542

216

850

133

273

228

417

525

537

1082

21%DFGNP

20%D

29%ABD

15%

27%AF

20%

19%

23%AGJ

20%

21%G

31%AN

28%AN

28%AN

16%

32%AP

18%

21%

1 to 14,999

15,000 to 19,999

Retired (D)

Yes (E)

No (F)

Couple (G)

Single (H)

Parent (I)

305

260

11

34

29

276

187

118

79

226

25

36

63

181

69

233

297

6%CDEHJL

12%ACD

1%

2%C

3%

7%AE

7%AHJ

5%

7%AHJ

6%H

6%

4%

8%L

7%AL

4%

8%AO

6%

308

274

28

20

286

191

117

106

202

23

69

209

59

244

299

6%CDEHJK

13%ACD

2%C

2%

7%AE

7%AHJ

5%

10%AGHJ

5%

1%

2%

8%AKL

8%AKL

4%

8%AO

6%

177

146

31

11

166

133

43

64

113

22

149

30

147

176

3%CDEHJKL

7%ACD

2%C

1%

4%AE

5%AHJ

2%

6%AHJ

3%H

3%KL

6%AKLM

2%

5%AO

3%

O
20,000 to 29,999

LO
30,000+

O
Don't know/no answer

Mean ()

Median ()

1930

1023

461

445

383

1480

1054

876

522

1408

165

432

310

972

888

925

1962

38%CDJNP

47%ACD

34%D

29%

41%

37%

39%J

37%J

49%AGHJ

35%

38%

44%AKMN

37%

36%

54%AP

31%

39%

9230.05C

19391.40AC

2934.7

3926.81C

6006.14

10304.28A

10997.74AH

7295.15

15670.45AG

7855.79H

5714.03

6281.88

11350.82A

10491.34AK

9914.37

10267.26A

9238.08

DEHJKL

KL

4209.11C

16783.63

5989.18

7196.22

9534.88

3693.69

7349.32

3842.09A

4475.2

DJ

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D - A/E/F - A/G/H/I/J - A/K/L/M/N - A/O/P
Overlap formulae used.

3117.66

HJ
2735.74A
J

13008.15

2058.68

3077.65

3776.66

Money Advice Service - Financial Capability Tracker Survey - FINAL


H12/H15/H17 Total annual income
Base: all respondents

Region
Yorkshire and
Humberside
West
East
(D)
Midlands (E) Midlands (F)

Total (A)

NorthEast (B)

NorthWest
(C)

Unweighted total

5079

235

622

406

429

Weighted total

5079

210

565

423

1293

58

141

103

25%GMNOP

28%GM

25%GM

1066

45

122

21%IJQ

22%

22%J

305

34

6%Q

4%

308

16

6%Q

8%

1 to 14,999

Unweigh
ted total

Internet usage

East Anglia
(G)

SouthWest
(H)

SouthEast (I)

Greater
London (J)

Wales (K)

Scotland (L)

Northern
Ireland (M)

Several times
a day (N)

Once a day
(O)

2 to 5 times a Once a week


week (P)
or less (Q)

418

406

441

705

620

257

468

72

3074

723

173

1109

5079

445

365

470

433

693

653

247

433

141*

3076

691

165

1147

5079

123

101

92

122

190

161

70

113

20

489

98

23

683

1263

24%

28%GM

28%GM

20%

28%GM

27%GM

25%M

28%GM

26%GM

14%

16%

14%

14%

60%ANOP

25%

120

79

81

104

97

122

106

55

101

33

724

166

38

138

1082

28%ACEFG

18%

22%J

22%J

22%IJ

18%

16%

22%J

23%EIJ

23%

24%AQ

24%AQ

23%Q

12%

21%

26

28

17

38

24

37

43

10

23

17

229

55

13

297

6%

6%

6%

5%

8%K

6%

5%

7%

4%

5%

12%ABFIKL

7%AQ

8%AQ

8%Q

1%

6%

29

25

19

20

39

23

36

48

16

24

12

261

31

299

5%

6%

4%

6%

8%EI

5%

5%

7%E

7%

6%

9%

8%AOQ

5%Q

4%Q

1%

6%

HIJ
15,000 to 19,999

20,000 to 29,999

30,000+

Don't know/no answer

Mean ()

177

13

11

13

15

19

11

31

34

14

10

153

19

176

3%Q

2%

2%

3%

3%

4%

4%

3%

4%CK

5%ACDHK

2%

3%

7%CK

5%AOQ

3%Q

2%Q

3%

1930

78

225

140

184

131

178

156

277

263

92

158

49

1220

323

81

307

1962

38%DQ

37%

40%D

33%

41%D

36%

38%

36%

40%D

40%D

37%

36%

35%

40%AQ

47%ANQ

49%ANQ

27%

39%

9230.05Q

7646.61

8224.77

9077.97

7681.66

8341.43

11277.14A

9773.19

9738.84

10168.14B

7218.49

8872.31

12412.78

12421.73

10567.93

10488.15Q

1455.26

9238.08

BCEFK

AQ

12037.94

10076.68

8527.43

9105.58

4475.2

BCEFKL
Median ()

4209.12Q

2286.03

4722.86

6073.16

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H/I/J/K/L/M - A/N/O/P/Q
Overlap formulae used. * small base

1499.23

3032.61

8150.82

CEK
3594.41

2979.86

4589.44

2614.73

4317.32

Money Advice Service - Financial Capability Tracker Survey - FINAL


H12/H15/H17 Total annual income
Base: all respondents

Unweigh
ted total

Ethnicity

Total (A)

White British
(B)

Any other
white (C)

Mixed race
(D)

Asian (E)

Black (F)

Other (G)

BME (H)

Unweighted total

5079

3061

141

39

153

54

15

261

5079

Weighted total

5079

2960

147

40*

158

59*

15**

273

5079

1293

903

34

54

16

80

1263

25%

30%A

23%

16%

34%ACD

28%

21%

29%D

25%

1 to 14,999

1066

597

29

24

37

1082

21%FH

20%FH

20%F

17%

15%

7%

14%

14%

21%

305

167

13

297

6%

6%

6%

10%

3%

5%

5%

5%

6%
299

15,000 to 19,999

20,000 to 29,999

308

158

12

6%B

5%

8%H

5%

4%

2%

3%

6%

30,000+

177

101

11

176

3%

3%

6%

2%

3%

6%

7%

4%

3%

Don't know/no answer

1930

1034

53

19

63

31

122

1962

Mean ()
Median ()

38%B

35%

36%

49%

40%

53%ABC

52%

45%AB

39%

9230.05B

8281.76

15726.27ABEH

10277.97

6335.38

11475.58

8504.05

7922.73

9238.08

8180.43

6832.74

1972.6

4475.2

4209.11BEFH 2010.53EFH

Fieldwork dates: April 2013


Respondent type: online access panel and weekly face-to-face omnibus
Source: Ipsos MORI (JN 12-074957)
Proportions/Means: Columns Tested (5% risk level) - A/B/C/D/E/F/G/H
Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing

Vous aimerez peut-être aussi