wealthassetsanddebt_w13

wealthassetsanddebt_w13.debtc4

Owe 100 or more

Type: choice

Source: BHPS

Text: Would it amount to £100 or more?

Universe:
if DEBT <> (96|DK|REF) (Holds any sort of debt)
and if DEBTY = DK & DEBTY <> REF (Amount of debt not known and not refused)
and if DEBTC1 = 2 (Holds less than 500 of debt)

wealthassetsanddebt_w13.savdocs

Savings documents seen by interviewer

Type: choice

Source: UKHLS

Universe:
if SVACTS = 6 | 1-5 | 97 (Has savings account(s))

wealthassetsanddebt_w13.ccjtp

PNO of joint credit card holder

Type: multichoice

Source: BHPS adapted

Interviewer Instruction: SELECT INDIVIDUALS FROM THE HOUSEHOLD GRID. IF JOINT HOLDER OUTSIDE HOUSEHOLD SELECT 'NON-HOUSEHOLD MEMBER'. CODE UP TO 3

Text: Who is the person (who are the people) you hold these joint credit cards with?

Universe:
if CCJT = 1 (Holds credit cards jointly with someone else)

wealthassetsanddebt_w13.svamt

Amount held in account

Type: number

Source: BHPS

Interviewer Instruction: ENTER VALUE TO THE NEAREST POUND IF MORE THAN ONE ACCOUNT OF THIS TYPE, ENTER SUM OF ALL ACCOUNTS

Text: How much in total is the current balance in your SVCODE?

Universe:
if SVACTS = 6 | 1-5 | 97 (Has savings account(s))

wealthassetsanddebt_w13.svsk

Savings amount in sole name

Type: number

Source: BHPS

Interviewer Instruction: ENTER VALUE TO THE NEAREST POUND IF DON'T KNOW/CAN'T SAY, THEN ASK FOR ESTIMATE

Text: Of the amount you have in SVCODE, how much is held solely in your name?

Universe:
if SVACTS = 6 | 1-5 | 97 (Has savings account(s))
and if SVACTS IN (1,2) (Has savings or deposit account or national savings account)
and if SVSJ = 3 (Holds savings both sole and jointly)

wealthassetsanddebt_w13.debty

Total amount owed

Type: number

Source: BHPS

Interviewer Instruction: ENTER VALUE TO THE NEAREST POUND

Text: About how much in total is owed on one mention at DEBTthis commitmentmore than one mention at DEBTthese commitments?

Universe:
if DEBT <> (96|DK|REF) (Holds any sort of debt)

wealthassetsanddebt_w13.ccamtsole

Balance outstanding, cards in sole name

Type: number

Source: HILDA

Interviewer Instruction: ENTER AMOUNT TO THE NEAREST POUND

Text: After you made your most recent payments, how much in total was still owed NCCSOLE greater than 1on all of the cardsNCCSOLE = 1on the card that you hold in your name solely?

Universe:
if CCSOLE = 1 (Holds credit cards in sole name)
and if NCCSOLE > 0 & (NCCSOLE <> DK/REF) (Number of credit cards in sole name is not don't know or refused)
and if CCBILLSOLE > 2 (Pay less than the full amount owing every month on sole cards)

wealthassetsanddebt_w13.nccsole

Number of store cards/credit cards in sole name

Type: number

Source: BHPS

Interviewer Instruction: ENTER NUMBER

Text: How many store and credit cards do you have in your sole name?

Universe:
if CCSOLE = 1 (Holds credit cards in sole name)

wealthassetsanddebt_w13.credsole

Max borrowing limit on cards in sole name

Type: number

Source: UKHLS

Interviewer Instruction: THIS IS THE SUM OF THE BORROWING LIMITS FROM ALL CARDS COMBINED (IF MORE THAN ONE CARD). ENTER AMOUNT TO THE NEAREST POUND.

Text: What is the maximum borrowing limit NCCSOLE greater than 1in total on all the cardsNCCSOLE = 1on the card just in your name?

Universe:
if CCSOLE = 1 (Holds credit cards in sole name)
and if NCCSOLE > 0 & (NCCSOLE <> DK/REF) (Number of credit cards in sole name is not don't know or refused)

wealthassetsanddebt_w13.nccjt

Number of store/credit cards in joint names

Type: number

Source: BHPS

Interviewer Instruction: ENTER NUMBER

Text: How many store and credit cards do you have jointly with someone else?

Universe:
if CCJT = 1 (Holds credit cards jointly with someone else)

wealthassetsanddebt_w13.credjt

Max borrowing limit on cards in joint names

Type: number

Source: HILDA adapted

Interviewer Instruction: THIS IS THE SUM OF THE BORROWING LIMITS FROM ALL CARDS COMBINED (IF MORE THAN ONE CARD). ENTER AMOUNT TO THE NEAREST POUND.

Text: What is the maximum borrowing limit NCCJT greater than 1in total on all the cardsNCCJT = 1on the card you hold jointly?

Universe:
if CCJT = 1 (Holds credit cards jointly with someone else)
and if NCCJT > 0 & (NCCJT <> DK|REF) (Number of credit cards held jointly is not don't know or refused)

wealthassetsanddebt_w13.ccamtjt

Outstanding balance, cards in joint names

Type: number

Source: HILDA

Interviewer Instruction: ENTER AMOUNT TO THE NEAREST POUND

Text: After the most recent payments were made, how much in total was still owed on NCCJT greater than 1all of the cardsNCCJT = 1the card that you hold jointly?

Universe:
if CCJT = 1 (Holds credit cards jointly with someone else)
and if NCCJT > 0 & (NCCJT <> DK|REF) (Number of credit cards held jointly is not don't know or refused)
and if CCBILLJT >2 (Pay less than the full amount owing every month on joint cards)

wealthassetsanddebt_w13.debtsk

Owe amount in sole name

Type: number

Source: BHPS

Interviewer Instruction: IF DON'T KNOW OR CAN'T SAY, ASK FOR ESTIMATE. ENTER AMOUNT TO THE NEAREST POUND

Text: About how much of the total amount outstanding is your sole commitment?

Universe:
if DEBT <> (96|DK|REF) (Holds any sort of debt)
and if DEBTSJ = 3 & (DEBTY <> REF & DEBTC1 <> REF & DEBTC2 <> REF & DEBTC3 <> REF & DEBTC4 <> REF & DEBTC5 <> REF) (Holds a mixture of sole and joint debt AND has not refused to disclose the amount held in debt)

wealthassetsanddebt_w13.svacts

Savings

Type: multichoice

Source: BHPS adapted

Interviewer Instruction: CODE ALL THAT APPLY

Text: I'd like to ask about any savings or investments you may have. They can be in your name only, or held jointly with someone else. Which of these savings accounts do you have, if any?

wealthassetsanddebt_w13.svb1

Amount: branching q

Type: choice

Source: BHPS

Interviewer Instruction: IF MORE THAN ONE ACCOUNT OF THIS TYPE, CONSIDER ALL ACCOUNTS THIS QUESTION REFERS TO SVCODE

Text: Would that amount to £AMOUNT or more?

Universe:
if SVACTS = 6 | 1-5 | 97 (Has savings account(s))
and if SVAMT = DK & SVAMT <> REF (Amount held in account type is not known and not refused)

wealthassetsanddebt_w13.svb2

Amount: branching q

Type: choice

Source: BHPS

Interviewer Instruction: IF MORE THAN ONE ACCOUNT OF THIS TYPE, CONSIDER ALL ACCOUNTS THIS QUESTION REFERS TO SVCODE

Text: Would that amount to £AMOUNT or more?

Universe:
if SVACTS = 6 | 1-5 | 97 (Has savings account(s))
and if SVAMT = DK & SVAMT <> REF (Amount held in account type is not known and not refused)
and if SVB1 = 1 (Holds more than x in account type)

wealthassetsanddebt_w13.svb3

Amount: branching q

Type: choice

Source: BHPS

Interviewer Instruction: IF MORE THAN ONE ACCOUNT OF THIS TYPE, CONSIDER ALL ACCOUNTS THIS QUESTION REFERS TO SVCODE

Text: Would that amount to £AMOUNT or more?

Universe:
if SVACTS = 6 | 1-5 | 97 (Has savings account(s))
and if SVAMT = DK & SVAMT <> REF (Amount held in account type is not known and not refused)
and if SVB1 = 1 (Holds more than x in account type)
and if SVB2 = 1 (Holds more than x in account type)

wealthassetsanddebt_w13.svb5

Amount: branching q

Type: choice

Source: BHPS

Interviewer Instruction: IF MORE THAN ONE ACCOUNT OF THIS TYPE, CONSIDER ALL ACCOUNTS THIS QUESTION REFERS TO SVCODE

Text: Would that amount to £AMOUNT or more?

Universe:
if SVACTS = 6 | 1-5 | 97 (Has savings account(s))
and if SVAMT = DK & SVAMT <> REF (Amount held in account type is not known and not refused)
and if SVB1 = 1 (Holds more than x in account type)
and if SVB2 = 1 (Holds more than x in account type)
and if SVB3 = 1 (Holds more than x in account type)

wealthassetsanddebt_w13.svb4

Amount: branching q

Type: choice

Source: BHPS

Interviewer Instruction: IF MORE THAN ONE ACCOUNT OF THIS TYPE, CONSIDER ALL ACCOUNTS THIS QUESTION REFERS TO SVCODE

Text: Would that amount to £AMOUNT or more?

Universe:
if SVACTS = 6 | 1-5 | 97 (Has savings account(s))
and if SVAMT = DK & SVAMT <> REF (Amount held in account type is not known and not refused)
and if SVB1 = 2 (Holds less than x in account type)

wealthassetsanddebt_w13.svpn

PNO of joint account holder

Type: multichoice

Source: BHPS

Interviewer Instruction: SELECT INDIVIDUALS FROM THE HOUSEHOLD GRID. IF JOINT HOLDER OUTSIDE HOUSEHOLD SELECT 'NON-HOUSEHOLD MEMBER'. CODE UP TO 3

Text: With whom are you a joint holder of SVCODE?

Universe:
if SVACTS = 6 | 1-5 | 97 (Has savings account(s))
and if SVACTS IN (1,2) (Has savings or deposit account or national savings account)
and if SVSJ = 2|3 (Holds savings jointly or both sole and jointly)

wealthassetsanddebt_w13.debt

Owes money

Type: multichoice

Source: BHPS adapted

Interviewer Instruction: STUDENT LOANS AND OTHER EDUCATIONAL LOANS: INCLUDE LOANS HELD BY STUDENTS STILL AT UNIVERSITY AS WELL AS THOSE THAT HAVE FINISHED THEIR EDUCATION. CODE ALL THAT APPLY

Text: I would now like to ask you about any other financial commitments you may have apart from mortgages. For which, if any, of these items do you currently owe any money? Please do not include credit card and other bills being fully paid off in the current month.

wealthassetsanddebt_w13.debtpn

PNO of joint debt holder

Type: multichoice

Source: BHPS

Interviewer Instruction: SELECT INDIVIDUALS FROM THE HOUSEHOLD GRID. IF JOINT HOLDER OUTSIDE HOUSEHOLD SELECT 'NON-HOUSEHOLD MEMBER'. CODE UP TO 3

Text: Who is the person you have these joint financial commitments with?

Universe:
if DEBT <> (96|DK|REF) (Holds any sort of debt)
and if DEBTSJ = 2|3 (Holds debt jointly or a mixture of sole and joint)

wealthassetsanddebt_w13.debtc2

Owe 1,500 or more

Type: choice

Source: BHPS

Text: Would it amount to £1,500 or more?

Universe:
if DEBT <> (96|DK|REF) (Holds any sort of debt)
and if DEBTY = DK & DEBTY <> REF (Amount of debt not known and not refused)
and if DEBTC1 = 1 (Holds more than 500 of debt)

wealthassetsanddebt_w13.debtc1

Owe 500 or more

Type: choice

Source: BHPS

Text: Would it amount to £500 or more?

Universe:
if DEBT <> (96|DK|REF) (Holds any sort of debt)
and if DEBTY = DK & DEBTY <> REF (Amount of debt not known and not refused)

wealthassetsanddebt_w13.svsj

Account(s) in sole name or joint

Type: choice

Source: BHPS adapted

Text: And is/are the SVCODE(s) held in your sole name only, held in joint names with your husband/wife/partner or someone else, or do you have both sole and jointly held savings?

Universe:
if SVACTS = 6 | 1-5 | 97 (Has savings account(s))
and if SVACTS IN (1,2) (Has savings or deposit account or national savings account)

wealthassetsanddebt_w13.ccsole

Has store cards/credit cards in sole name

Type: choice

Source: BHPS

Text: Do you have any store cards or credit cards such as Visa, or Mastercard in your sole name? Please do not include direct debit cards such as Switch or Delta or store loyalty cards such as Tesco Clubcard or Nectar.

wealthassetsanddebt_w13.ccbillsole

Repayment behaviour, cards in sole name

Type: choice

Source: BHPS adapted

Text: How do you pay the NCCSOLE = 1bill for this cardNCCSOLE greater than 1bills for these cards? You can just tell me the number that applies.

Universe:
if CCSOLE = 1 (Holds credit cards in sole name)
and if NCCSOLE > 0 & (NCCSOLE <> DK/REF) (Number of credit cards in sole name is not don't know or refused)

wealthassetsanddebt_w13.ccjt

Has store cards/credit cards in joint names

Type: choice

Source: BHPS

Text: Do you have any store cards or credit cards such as Visa, or Mastercard, which you hold jointly with someone else? Please do not include direct debit cards such as Switch or Delta or store loyalty cards such as Tesco Clubcard or Nectar.

wealthassetsanddebt_w13.ccbilljt

Repayment behaviour, cards in joint names

Type: choice

Source: BHPS adapted

Text: How do you pay the NCCJT = 1bill for this cardNCCJT greater than 1bills for these cards each month? Just tell me the number that applies.

Universe:
if CCJT = 1 (Holds credit cards jointly with someone else)
and if NCCJT > 0 & (NCCJT <> DK|REF) (Number of credit cards held jointly is not don't know or refused)

wealthassetsanddebt_w13.debtc3

Owe 5,000 or more

Type: choice

Source: BHPS

Text: Would it amount to £5,000 or more?

Universe:
if DEBT <> (96|DK|REF) (Holds any sort of debt)
and if DEBTY = DK & DEBTY <> REF (Amount of debt not known and not refused)
and if DEBTC1 = 1 (Holds more than 500 of debt)
and if DEBTC2 = 1 (Holds more than 1,500 of debt)

wealthassetsanddebt_w13.debtc5

Owe 10,000 or more

Type: choice

Source: BHPS

Text: Would it amount to £10,000 or more?

Universe:
if DEBT <> (96|DK|REF) (Holds any sort of debt)
and if DEBTY = DK & DEBTY <> REF (Amount of debt not known and not refused)
and if DEBTC1 = 1 (Holds more than 500 of debt)
and if DEBTC2 = 1 (Holds more than 1,500 of debt)
and if DEBTC3 = 1 (Holds more than 5,000 of debt)

wealthassetsanddebt_w13.debtsj

Owe money in sole name or joint

Type: choice

Source: BHPS

Text: Are these financial commitments in your sole name only, in joint names with your husband/wife/partner or someone else or do you have both sole and joint commitments?

Universe:
if DEBT <> (96|DK|REF) (Holds any sort of debt)

wealthassetsanddebt_w13.huruns

Who organises finances

Type: choice

Source: BHPS

Text: People organise their finances in different ways. Which of these comes closest to the way you organise yours? It doesn't have to fit exactly - just choose the nearest one. You can just tell me the number that applies.

Universe:
if (HHGRID.LiveSp = 1 | HHGRID.LiveWith = 1) (Lives with a spouse or partner)

wealthassetsanddebt_w13.svcode

Savings code used for looping

Type: number

Universe:
if SVACTS = 6 | 1-5 | 97 (Has savings account(s))