Innovation Panel - module: bufinance_ip9 Benefit Unit Finances module

bufinance_ip9.bufintro

BU Finances intro

Type: choice

Source: UKHLS

Text: In this section we would like you to think about the way that you manage your finances and the money that comes in and out of your household.

Option	Label
1	Continue

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)

bufinance_ip9.bufpno

BU Finances who answering, start

Type: multichoice

Source: UKHLS

Interviewer Instruction: RECORD WHO IS GOING TO ANSWER THIS PART OF THE SURVEY CODE ALL THAT APPLY

Option	Label	Associated variables
1	Person number 1	i_bufpno1 (i_bufinance_ip) person number 1
2	Person number 2	i_bufpno2 (i_bufinance_ip) person number 2
3	Person number 3	i_bufpno3 (i_bufinance_ip) person number 3
4	Person number 4	i_bufpno4 (i_bufinance_ip) person number 4
5	Person number 5	i_bufpno5 (i_bufinance_ip) person number 5
6	Person number 6	i_bufpno6 (i_bufinance_ip) person number 6
7	Person number 7	i_bufpno7 (i_bufinance_ip) person number 7
8	Person number 8	i_bufpno8 (i_bufinance_ip) person number 8
9	Person number 9	i_bufpno9 (i_bufinance_ip) person number 9
10	Person number 10
11	Person number 11	i_bufpno11 (i_bufinance_ip) person number 11
12	Person number 12	i_bufpno12 (i_bufinance_ip) person number 12
13	Person number 13	i_bufpno13 (i_bufinance_ip) person number 13
14	Person number 14	i_bufpno14 (i_bufinance_ip) person number 14
15	Person number 15	i_bufpno15 (i_bufinance_ip) person number 15
16	Person number 16	i_bufpno16 (i_bufinance_ip) person number 16

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)

bufinance_ip9.bufrmnth_b

Corrected monthly income from benefits and pensions

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)

i_bufrmnth_b1 (i_bufinance_ip) ni retirement/state retirement (old age) pension: corrected monthly income fr
i_bufrmnth_b2 (i_bufinance_ip) a pension from a previous employer: corrected monthly income from benefits an
i_bufrmnth_b3 (i_bufinance_ip) a pension from a spouse's previous employer: corrected monthly income from be
i_bufrmnth_b4 (i_bufinance_ip) a private pension/annuity: corrected monthly income from benefits and pensions
i_bufrmnth_b5 (i_bufinance_ip) a widow's or war widow's : corrected monthly income from benefits and pensions
i_bufrmnth_b6 (i_bufinance_ip) a widowed mother's allowance / widowed parent's allowance / bereavement allow
i_bufrmnth_b7 (i_bufinance_ip) pension credit (includes guarantee credit & saving credit): corrected monthly
i_bufrmnth_b8 (i_bufinance_ip) severe disablement allowance: corrected monthly income from benefits and pens
i_bufrmnth_b9 (i_bufinance_ip) industrial injury disablement allowance: corrected monthly income from benefi
i_bufrmnth_b10 (i_bufinance_ip) disability living allowance: corrected monthly income from benefits and pensi
i_bufrmnth_b11 (i_bufinance_ip) attendance allowance: corrected monthly income from benefits and pensions
i_bufrmnth_b12 (i_bufinance_ip) carer's allowance (formerly invalid care allowance): corrected monthly income
i_bufrmnth_b13 (i_bufinance_ip) war disablement pension: corrected monthly income from benefits and pensions
i_bufrmnth_b14 (i_bufinance_ip) incapacity benefit: corrected monthly income from benefits and pensions
i_bufrmnth_b15 (i_bufinance_ip) income support: corrected monthly income from benefits and pensions
i_bufrmnth_b16 (i_bufinance_ip) job seeker's allowance: corrected monthly income from benefits and pensions
i_bufrmnth_b18 (i_bufinance_ip) child benefit (including lone-parent child benefit payments): corrected month
i_bufrmnth_b19 (i_bufinance_ip) child tax credit: corrected monthly income from benefits and pensions
i_bufrmnth_b20 (i_bufinance_ip) working tax credit (includes disabled person's tax credit): corrected monthly
i_bufrmnth_b21 (i_bufinance_ip) maternity allowance: corrected monthly income from benefits and pensions
i_bufrmnth_b22 (i_bufinance_ip) housing benefit: corrected monthly income from benefits and pensions
i_bufrmnth_b23 (i_bufinance_ip) council tax benefit: corrected monthly income from benefits and pensions
i_bufrmnth_b24 (i_bufinance_ip) educational grant (not student loan or tuition fee loan: corrected monthly in
i_bufrmnth_b25 (i_bufinance_ip) trade union / friendly society payment: corrected monthly income from benefit
i_bufrmnth_b26 (i_bufinance_ip) maintenance or alimony: corrected monthly income from benefits and pensions
i_bufrmnth_b27 (i_bufinance_ip) payments from a family member not living here: corrected monthly income from
i_bufrmnth_b28 (i_bufinance_ip) rent from boarders or lodgers (not family members) living here with you: corr
i_bufrmnth_b29 (i_bufinance_ip) rent from any other property: corrected monthly income from benefits and pens
i_bufrmnth_b30 (i_bufinance_ip) foster allowance / guardian allowance: corrected monthly income from benefits
i_bufrmnth_b31 (i_bufinance_ip) rent rebate: corrected monthly income from benefits and pensions
i_bufrmnth_b32 (i_bufinance_ip) rate rebate: corrected monthly income from benefits and pensions
i_bufrmnth_b33 (i_bufinance_ip) employment and support allowance: corrected monthly income from benefits and
i_bufrmnth_b34 (i_bufinance_ip) return to work credit: corrected monthly income from benefits and pensions
i_bufrmnth_b35 (i_bufinance_ip) sickness and accident in: corrected monthly income from benefits and pensions
i_bufrmnth_b36 (i_bufinance_ip) in-work credit for lone : corrected monthly income from benefits and pensions
i_bufrmnth_b37 (i_bufinance_ip) other disability related benefit or : corrected monthly income from benefits
i_bufrmnth_b38 (i_bufinance_ip) any other regular : corrected monthly income from benefits and pensions
i_bufrmnth_b39 (i_bufinance_ip) any other state benefit: corrected monthly income from benefits and pensions
i_bufrmnth_b40 (i_bufinance_ip) universal credit: corrected monthly income from benefits and pensions
i_bufrmnth_b41 (i_bufinance_ip) personal independence payments: corrected monthly income from benefits and pe
i_bufrmnth_b42 (i_bufinance_ip) government training schemes, such as youth training allowan: corrected monthl
i_bufrmnth_b43 (i_bufinance_ip) royalties e.g. from land, books or performanc: corrected monthly income from
i_bufrmnth_b44 (i_bufinance_ip) an occupational pension from an overseas government or company, paid in forei
i_bufrmnth_b45 (i_bufinance_ip) grants from social fund or community care grant from dwp or local authority;
i_bufrmnth_b46 (i_bufinance_ip) an annuity (includes home income plan or equity releas: corrected monthly inc
i_bufrmnth_b47 (i_bufinance_ip) income as a sleeping partner in a busine: corrected monthly income from benef
i_bufrmnth_b48 (i_bufinance_ip) one or more disability benefit(s), but not sure which one(: corrected monthly
i_bufrmnth_b49 (i_bufinance_ip) other benefit: corrected monthly income from benefits and pensions
i_bufrmnth_b50 (i_bufinance_ip) other income: corrected monthly income from benefits and pensions

bufinance_ip9.buinctot_b

Corrected total monthly BU income

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)

i_buinctot_b (i_bufinance_ip) corrected total monthly bu income

bufinance_ip9.buresp

Number of people answering BU Finances

Type: choice

Source: UKHLS

Option	Label
1	One adult within a couple
2	Both adults in a couple

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if GRIDVARIABLES.BUType = 3|4 (Couple benefit unit)

i_buresp (i_bufinance_ip) number of people answering bu finances

bufinance_ip9.cdebts_r2

Final change in balance of debts

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)

i_cdebts_r2 (i_bufinance_ip) final change in balance of debts

bufinance_ip9.cdebts2

CDebts dummy variable 2

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)
and if Rec2detint = 2 (Has storecard(s))
and if Rec2detbal2 = 1 | 2 (Overall balance of store card(s) changed since last month)

i_cdebts2 (i_bufinance_ip) cdebts dummy variable 2

bufinance_ip9.cdebts3

CDebts dummy variable 3

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)
and if Rec2detint = 3 (Has peronal loan(s))
and if Rec2detbal3 = 1 | 2 (Overall balance of personal loan(s) changed since last month)

i_cdebts3 (i_bufinance_ip) cdebts dummy variable 3

bufinance_ip9.cdebts4

CDebts dummy variable 4

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)
and if Rec2detint = 4 (Has pay-day loan(s))
and if Rec2detbal4 = 1 | 2 (Overall balance of pay-day loan(s) changed since last month)

i_cdebts4 (i_bufinance_ip) cdebts dummy variable 4

bufinance_ip9.creditcrd

Has any credit cards

Type: choice

Source: UKHLS

Text: Do you have any credit cards such as Visa, Mastercard or American Express, or any store credit cards GRIDVARIABLES.BUtype = 3|4either individually or jointly? Please do not include debit cards such as Switch or Delta or store loyalty cards such as Tesco Clubcard or Nectar.

Option	Label
1	Yes
2	No

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)

i_creditcrd (i_bufinance_ip) has any credit cards

bufinance_ip9.creditpay

Credit card repayment behaviour

Type: choice

Source: UKHLS

Text: How do you pay the bills for these cards? GRIDVARIABLES.modetype = 1You can just tell me the number that applies.

Option	Label
1	Usually nothing to pay
2	Usually pay full amount
3	Some not full amount
4	Min on some, more other
5	Usually minimum only
6	Not always poss pay min
7	Some other arrangement / it depends on the card / a mix of these arrangements

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if Creditcrd = 1 (Has credit cards)

i_creditpay (i_bufinance_ip) credit card repayment behaviour

bufinance_ip9.csavings

Change in total balance of savings accounts

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)

i_csavings (i_bufinance_ip) change in total balance of savings accounts

bufinance_ip9.csavings_r2

Final change in total balance of savings

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)

i_csavings_r2 (i_bufinance_ip) final change in total balance of savings

bufinance_ip9.csavings1

CSavings dummy variable 1

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)
and if Rec2savint = 1 (Has current account(s))
and if Rec2Bal1 = 1 | 2 (Overall balance of current account(s) changed since last month)

i_csavings1 (i_bufinance_ip) csavings dummy variable 1

bufinance_ip9.csavings2

CSavings dummy variable 2

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)
and if Rec2savint = 2 (Has savings account(s))
and if Rec2Bal2 = 1 | 2 (Overall balance of savings account(s) changed since last month)

i_csavings2 (i_bufinance_ip) csavings dummy variable 2

bufinance_ip9.csavings3

CSavings dummy variable 3

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)
and if Rec2savint = 3 (Has ISA(s))
and if Rec2Bal3 = 1 | 2 (Overall balance of ISA(s) changed since last month)

i_csavings3 (i_bufinance_ip) csavings dummy variable 3

bufinance_ip9.csavings4

CSavings dummy variable 4

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)
and if Rec2savint = 4 (Has other stocks/bonds/investments)
and if Rec2Bal4 = 1 | 2 (Overall balance of other stocks/bonds/investments changed since last month)

i_csavings4 (i_bufinance_ip) csavings dummy variable 4

bufinance_ip9.finman

Organisation of joint finances

Type: choice

Source: UKHLS

Text: People organise their finances in different ways. Which of these comes closest to the way you organise yours?

Option	Label
1	We share and manage our finances jointly
2	We pool some of the money and keep the rest separate
3	We keep our finances completely separate
4	One person looks after the couple's money except the other person's spending money
5	One person is given a housekeeping allowance, the other person looks after the rest of the money
6	We have some other arrangement

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if GRIDVARIABLES.BUType = 3|4 (Couple benefit unit)

i_finman (i_bufinance_ip) organisation of joint finances

bufinance_ip9.j2paymnth_pb

Corrected monthly earnings from second job

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)

i_j2paymnth_pb (i_bufind_ip) corrected monthly earnings from second job

bufinance_ip9.jsmnth_pb

Corrected monthly earnings from self-employment

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)

i_jsmnth_pb (i_bufind_ip) corrected monthly earnings from self-employment
i_jsmnth_b (i_indresp_ip) corrected monthly earnings from self-employment

bufinance_ip9.paynmnth_pb

Corrected monthly earnings from main job

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)

i_paynmnth_pb (i_bufind_ip) corrected monthly earnings from main job

bufinance_ip9.rec2balamt3

Change of ISA balance - amount

Type: number

Source: UKHLS

Interviewer Instruction: WRITE IN TO NEAREST £

Text: By how much did the balance Rec2Bal3 = 1increaseRec2Bal3 = 2decrease in the last month?

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)
and if Rec2savint = 3 (Has ISA(s))
and if Rec2Bal3 = 1 | 2 (Overall balance of ISA(s) changed since last month)

i_rec2balamt3 (i_bufinance_ip) change of isa balance - amount

bufinance_ip9.rec1bal

Balance of incomings and outgoings (gross flows)

Type: number

Source: UKHLS

Interviewer Instruction: SHOW SCREEN TO RESPONDENT

Text: Thank you. To finish we'll show you a summary of what you have told us about your household finances. Looking at the boxes on this screen, the incoming money in boxes 1 and 2 should match the outgoing money in boxes 3 and 4. The information you’ve told us indicates that you have around £Rec1Totin coming in and £Rec1Totout going out of your household. That is, you have £Rec1balance Rec1balance greater than 0moreRec1balance less than 0less coming in than you have going out. This means that our questions must have missed some of your income, spending, savings or borrowing. Please could you amend the amounts you have coming in or going out in the boxes. When you have finished, please press . If you have made any changes, these figures will be updated when you click .

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 1 (Experimental allocation: Version 1 - gross flows)
and if Rec1balance <> 0 (Balance gross flows not equal to zero)

i_rec1bal (i_bufinance_ip) balance of incomings and outgoings (gross flows)

bufinance_ip9.rec1balance

Balance: gross flows

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 1 (Experimental allocation: Version 1 - gross flows)

i_rec1balance (i_bufinance_ip) balance: gross flows

bufinance_ip9.rec1balance_r1

Final balance

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 1 (Experimental allocation: Version 1 - gross flows)

i_rec1balance_r1 (i_bufinance_ip) final balance
i_rec2balance_r2 (i_bufinance_ip) final balance

bufinance_ip9.rec1buexp

Spending in the last month (gross flows)

Type: number

Source: UKHLS

Interviewer Instruction: WRITE IN TO NEAREST £

Text: We would now like to ask you a question about your spending. It is important for us to ask this in order to learn more about people's living standards. This is about how much (GRIDVARIABLES.BUtype = 1|2) or (GRIDVARIABLES.BUType = 3|4 & BUResp = DK|REF|MIS)youGRIDVARIABLES.BUtype = 3|4 & GRIDVARIABLES.BUresp = 2the two of youGRIDVARIABLES.BUtype = 3|4 & BUresp = 1you and your partner spend. HHGRID.HHSize greater than 1You do not need to include any spending by any other people who live with you. About how much did you spend on everything in the last month? Please exclude work expenses for which you are reimbursed, money put into savings and repayment of loans. Examples of what to include and exclude are shown GRIDVARIABLES.Modetype = 1on this cardGRIDVARIABLES.Modetype = 3below.

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 1 (Experimental allocation: Version 1 - gross flows)

i_rec1buexp (i_bufinance_ip) spending in the last month (gross flows)

bufinance_ip9.rec1draw

Saving withdrawals or new borrowing in the last month

Type: number

Source: UKHLS

Interviewer Instruction: WRITE IN TO NEAREST £

Text: In the last month, how much, if any, have you withdrawn from your savings or newly borrowed?

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 1 (Experimental allocation: Version 1 - gross flows)

i_rec1draw (i_bufinance_ip) saving withdrawals or new borrowing in the last month

bufinance_ip9.rec1intro

Reconciliation intro

Type: choice

Source: UKHLS

Text: We would now like you to think about the money that you have coming in and going out in a given month. BUType = 3 or 4Please include names of adults in BU. If possible, please complete this section together. More than one BU in HH and or BUType = 2|4Please do not include these people: more than one BU in HHnames of any adults in HH but not in BUBUType = 2 or 4and names of any 16-19 year olds in FT education in BU. If any children aged 0-15 in householdWe are only interested in the income and expenditure of those who are aged 16 or older. So please don't include the income and spending of names of 0-15 yr olds in household. Money may come in from paid work or you may receive benefits or pensions (Box 1). You may borrow money, or withdraw from savings (Box 2). All of this money must then go somewhere. The money flowing in in a given month is balanced by money that flows out. You may spend money during the month on things like bills, groceries, travel and so on (Box 3). You may also use the money to pay off any debts, or put some into savings or keep some in your bank account (Box 4). In this section, we want you to think about these flows of money and to try to balance the money that came in during the last month with the money that went out. This is a new way of collecting this information and it is important for researchers to learn about how people manage their money and how they are managing to get by these days, across all types of households and financial circumstances.

Option	Label
1	Continue

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)

bufinance_ip9.rec1save

Savings and debt repayments in the last month

Type: number

Source: UKHLS

Interviewer Instruction: WRITE IN TO NEAREST £

Text: In the last month, how much, if any, have you deposited into savings accounts, invested in stocks and shares investments or repaid on debt?

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 1 (Experimental allocation: Version 1 - gross flows)

i_rec1save (i_bufinance_ip) savings and debt repayments in the last month

bufinance_ip9.rec1totin_r1

Final total inflows

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 1 (Experimental allocation: Version 1 - gross flows)

i_rec1totin_r1 (i_bufinance_ip) final total inflows

bufinance_ip9.rec1totout

Total inflows (gross flows)

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 1 (Experimental allocation: Version 1 - gross flows)

i_rec1totin (i_bufinance_ip) total inflows (gross flows)
i_rec1totout (i_bufinance_ip) total inflows (gross flows)

bufinance_ip9.rec1totout_r1

Final total outflows

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 1 (Experimental allocation: Version 1 - gross flows)

i_rec1totout_r1 (i_bufinance_ip) final total outflows

bufinance_ip9.rec2acbal

Change in balance of savings and credit accounts

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)

i_rec2acbal (i_bufinance_ip) change in balance of savings and credit accounts

bufinance_ip9.rec2acbal_r2

Final change in savings and credit accounts

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)

i_rec2acbal_r2 (i_bufinance_ip) final change in savings and credit accounts

bufinance_ip9.rec2bal

Balance of incomings and outgoings (change in stocks) - corrected

Type: number

Source: UKHLS

Interviewer Instruction: SHOW SCREEN TO RESPONDENT

Text: Thank you. To finish we'll show you a summary of what you have told us about your household finances. Looking at the boxes on this screen, the income you have left after spending should match the change in the overall balance of your savings and credit accounts. The information you've told us indicates that your disposable income is around £Rec2incbal Rec2incbal greater than 0moreRec2incbal less than 0less than your spending. However, the balance of your savings and credit accounts has changed by Rec2acbal greater than 0£Rec2acbalRec2acbal less than 0£-Rec2acbal. This means that our questions must have missed some of your income, spending, savings or borrowing. Please could you amend the amounts you have coming in or going out in the boxes. When you have finished, please press . If you have made any changes, these figures will be updated when you click .

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)
and if Rec2balance <> 0 (Balance net flows not equal to zero)

i_rec2bal (i_bufinance_ip) balance of incomings and outgoings (change in stocks) - corrected

bufinance_ip9.rec2bal1

Change of current account balance since last month

Type: choice

Source: UKHLS

Text: Is the overall balance across all current accounts you have higher, lower or about the same compared with the same time last month?

Option	Label
1	Balance higher/increased
2	Balance lower/decreased
3	Balance stayed about the same

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)
and if Rec2savint = 1 (Has current account(s))

i_rec2bal1 (i_bufinance_ip) change of current account balance since last month

bufinance_ip9.rec2bal2

Change of savings account balance since last month

Type: choice

Source: UKHLS

Text: Is the overall balance across all savings accounts you have higher, lower or about the same compared with the same time last month?

Option	Label
1	Balance higher/increased
2	Balance lower/decreased
3	Balance stayed about the same

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)
and if Rec2savint = 2 (Has savings account(s))

i_rec2bal2 (i_bufinance_ip) change of savings account balance since last month

bufinance_ip9.rec2bal3

Change of ISA balance since last month

Type: choice

Source: UKHLS

Text: Is the overall balance across all ISAs you have higher, lower or about the same compared with the same time last month?

Option	Label
1	Balance higher/increased
2	Balance lower/decreased
3	Balance stayed about the same

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)
and if Rec2savint = 3 (Has ISA(s))

i_rec2bal3 (i_bufinance_ip) change of isa balance since last month

bufinance_ip9.rec2bal4

Change of other investments balance since last month

Type: choice

Source: UKHLS

Text: Is the overall balance across all stocks, bonds or investments you have higher, lower or about the same compared with the same time last month?

Option	Label
1	Balance higher/increased
2	Balance lower/decreased
3	Balance stayed about the same

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)
and if Rec2savint = 4 (Has other stocks/bonds/investments)

i_rec2bal4 (i_bufinance_ip) change of other investments balance since last month

bufinance_ip9.rec2balamt1

Change of current account balance - amount

Type: number

Source: UKHLS

Interviewer Instruction: WRITE IN TO NEAREST £

Text: By how much did the balance Rec2Bal1 = 1increaseRec2Bal1 = 2decrease in the last month?

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)
and if Rec2savint = 1 (Has current account(s))
and if Rec2Bal1 = 1 | 2 (Overall balance of current account(s) changed since last month)

i_rec2balamt1 (i_bufinance_ip) change of current account balance - amount

bufinance_ip9.rec2balamt2

Change of savings account balance - amount

Type: number

Source: UKHLS

Interviewer Instruction: WRITE IN TO NEAREST £

Text: By how much did the balance Rec2Bal2 = 1increaseRec2Bal2 = 2decrease in the last month?

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)
and if Rec2savint = 2 (Has savings account(s))
and if Rec2Bal2 = 1 | 2 (Overall balance of savings account(s) changed since last month)

i_rec2balamt2 (i_bufinance_ip) change of savings account balance - amount

bufinance_ip9.rec2balamt4

Change of other investments balances - amount

Type: number

Source: UKHLS

Interviewer Instruction: WRITE IN TO NEAREST £

Text: By how much did the balance Rec2Bal4 = 1increaseRec2Bal4 = 2decrease in the last month?

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)
and if Rec2savint = 4 (Has other stocks/bonds/investments)
and if Rec2Bal4 = 1 | 2 (Overall balance of other stocks/bonds/investments changed since last month)

i_rec2balamt4 (i_bufinance_ip) change of other investments balances - amount

bufinance_ip9.rec2balance

Balance (change in stocks)

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)

i_rec2balance (i_bufinance_ip) balance (change in stocks)

bufinance_ip9.rec2balance_r2

Final balance

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)

i_rec1balance_r1 (i_bufinance_ip) final balance
i_rec2balance_r2 (i_bufinance_ip) final balance

bufinance_ip9.rec2buexp

Spending in the last month (change in stocks)

Type: number

Source: UKHLS

Interviewer Instruction: WRITE IN TO NEAREST £

Text: We would now like to ask you a question about your spending. It is important for us to ask this in order to learn more about people's living standards. This is about how much GRIDVARIABLES.BUtype = 1|2youGRIDVARIABLES.BUtype = 3|4 & BUresp = 2the two of youGRIDVARIABLES.BUtype = 3|4 & BUresp = 1you and your partner spend. HHGRID.HHSize>1You do not need to include any spending by any other people who live with you. About how much did you spend on everything in the last month? Please exclude work expenses for which you are reimbursed, money put into savings and repayment of bank loans. Examples of what to include and exclude are shown GRIDVARIABLES.Modetype = 1on this cardGRIDVARIABLES.Modetype = 3below.

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)

i_rec2buexp (i_bufinance_ip) spending in the last month (change in stocks)

bufinance_ip9.rec2buexp_r2

Final spending 2

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)

i_rec2buexp_r2 (i_bufinance_ip) final spending 2

bufinance_ip9.rec2detamt1

Change of credit card balance - amount

Type: number

Source: UKHLS

Interviewer Instruction: WRITE IN TO NEAREST £

Text: By how much did the balance Rec2detbal1 = 1increaseRec2detbal1 = 2decrease in the last month?

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)
and if Rec2detint = 1 (Has credit card(s))
and if Rec2detbal1 = 1 | 2 (Overall balance of credit cards(s) changed since last month)

i_rec2detamt1 (i_bufinance_ip) change of credit card balance - amount

bufinance_ip9.rec2detamt2

Change of store card balance - amount

Type: number

Source: UKHLS

Interviewer Instruction: WRITE IN TO NEAREST £

Text: By how much did the balance Rec2detbal2 = 1increaseRec2detbal2 = 2decrease in the last month?

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)
and if Rec2detint = 2 (Has storecard(s))
and if Rec2detbal2 = 1 | 2 (Overall balance of store card(s) changed since last month)

i_rec2detamt2 (i_bufinance_ip) change of store card balance - amount

bufinance_ip9.rec2detamt3

Change of personal loan balance - amount

Type: number

Source: UKHLS

Interviewer Instruction: WRITE IN TO NEAREST £

Text: By how much did the balance Rec2detbal3 = 1increaseRec2detbal3 = 2decrease in the last month?

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)
and if Rec2detint = 3 (Has peronal loan(s))
and if Rec2detbal3 = 1 | 2 (Overall balance of personal loan(s) changed since last month)

i_rec2detamt3 (i_bufinance_ip) change of personal loan balance - amount

bufinance_ip9.rec2detamt4

Change of pay-day loan balance - amount

Type: number

Source: UKHLS

Interviewer Instruction: WRITE IN TO NEAREST £

Text: By how much did the balance Rec2detbal4 = 1increaseRec2detbal4 = 2decrease in the last month?

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)
and if Rec2detint = 4 (Has pay-day loan(s))
and if Rec2detbal4 = 1 | 2 (Overall balance of pay-day loan(s) changed since last month)

i_rec2detamt4 (i_bufinance_ip) change of pay-day loan balance - amount

bufinance_ip9.rec2detbal1

Change of credit card balance since last month

Type: choice

Source: UKHLS

Text: Is the amount you owe across all of your of credit cards higher, lower or about the same compared with the same time last month?

Option	Label
1	Amount owed is higher
2	Amount owed is lower
3	Amount owed is about the same

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)
and if Rec2detint = 1 (Has credit card(s))

i_rec2detbal1 (i_bufinance_ip) change of credit card balance since last month

bufinance_ip9.rec2detbal2

Change of store card balance since last month

Type: choice

Source: UKHLS

Text: Is the amount you owe across all of your store cards higher, lower or about the same compared with the same time last month?

Option	Label
1	Amount owed is higher
2	Amount owed is lower
3	Amount owed is about the same

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)
and if Rec2detint = 2 (Has storecard(s))

i_rec2detbal2 (i_bufinance_ip) change of store card balance since last month

bufinance_ip9.rec2detbal3

Change of personal loan balance since last month

Type: choice

Source: UKHLS

Text: Is the amount you owe across all of your personal loans higher, lower or about the same compared with the same time last month?

Option	Label
1	Amount owed is higher
2	Amount owed is lower
3	Amount owed is about the same

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)
and if Rec2detint = 3 (Has peronal loan(s))

i_rec2detbal3 (i_bufinance_ip) change of personal loan balance since last month

bufinance_ip9.rec2detbal4

Change of pay-day loan balance since last month

Type: choice

Source: UKHLS

Text: Is the amount you owe across all of your pay-day loans higher, lower or about the same compared with the same time last month?

Option	Label
1	Amount owed is higher
2	Amount owed is lower
3	Amount owed is about the same

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)
and if Rec2detint = 4 (Has pay-day loan(s))

i_rec2detbal4 (i_bufinance_ip) change of pay-day loan balance since last month

bufinance_ip9.rec2detint

Has any credit cards, store cards or loans

Type: multichoice

Source: UKHLS

Interviewer Instruction: CODE ALL THAT APPLY

Text: Do you have any credit card(s), store card(s) or loans listed here?

Option	Label
1	Credit card
2	Store card (not loyalty cards)
3	Personal loans (including from family and friends)
4	Pay-day loans
96	None of these

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)

bufinance_ip9.rec2incbal

Balance of income minus spending

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)

i_rec2incbal (i_bufinance_ip) balance of income minus spending

bufinance_ip9.rec2incbal_r2

Final income minus spending

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)

i_rec2incbal_r2 (i_bufinance_ip) final income minus spending

bufinance_ip9.rec2savint

Types of savings accounts held

Type: multichoice

Source: UKHLS

Interviewer Instruction: CODE ALL THAT APPLY

Text: Do you have any current accounts, savings accounts, ISAs, or stocks/bonds/investments listed here?

Option	Label
1	Current account
2	Savings account
3	ISAs
4	Other stocks/bonds/investments
96	None of these

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)

bufinance_ip9.rec1draw_r1

Final saving withdrawals or new borrowing

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 1 (Experimental allocation: Version 1 - gross flows)

i_rec1draw_r1 (i_bufinance_ip) final saving withdrawals or new borrowing

bufinance_ip9.rec1buexp_r1

Final spending

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 1 (Experimental allocation: Version 1 - gross flows)

i_rec1buexp_r1 (i_bufinance_ip) final spending

bufinance_ip9.rec1save_r1

Final savings and debt repayments

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 1 (Experimental allocation: Version 1 - gross flows)

i_rec1save_r1 (i_bufinance_ip) final savings and debt repayments

bufinance_ip9.buinctot_r1

Final total monthly BU income

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 1 (Experimental allocation: Version 1 - gross flows)

i_buinctot_r1 (i_bufinance_ip) final total monthly bu income

bufinance_ip9.cdebts1

CDebts dummy variable 1

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)
and if Rec2detint = 1 (Has credit card(s))
and if Rec2detbal1 = 1 | 2 (Overall balance of credit cards(s) changed since last month)

i_cdebts1 (i_bufinance_ip) cdebts dummy variable 1

bufinance_ip9.bufend

Who answered BU Finances, end

Type: multichoice

Source: UKHLS

Interviewer Instruction: RECORD WHO ANSWERED THESE LAST SET OF QUESTIONS IN THIS PART OF THE SURVEY CODE ALL THAT APPLY

Text: This is the end of the interview. Thank you very much for your help. GRIDVARIABLES.ModeType = 3 & (GRIDVARIABLES.BUtype = 3|4)Please indicate below who answered this last set of questions?

Option	Label	Associated variables
0	Someone else not listed	i_bufend0 (i_bufinance_ip) someone else not listed
1	Person number 1	i_bufend1 (i_bufinance_ip) person number 1
2	Person number 2	i_bufend2 (i_bufinance_ip) person number 2
3	Person number 3	i_bufend3 (i_bufinance_ip) person number 3
4	Person number 4	i_bufend4 (i_bufinance_ip) person number 4
5	Person number 5	i_bufend5 (i_bufinance_ip) person number 5
6	Person number 6	i_bufend6 (i_bufinance_ip) person number 6
7	Person number 7	i_bufend7 (i_bufinance_ip) person number 7
8	Person number 8	i_bufend8 (i_bufinance_ip) person number 8
9	Person number 9	i_bufend9 (i_bufinance_ip) person number 9
10	Person number 10	i_bufend10 (i_bufinance_ip) person number 10
11	Person number 11	i_bufend11 (i_bufinance_ip) person number 11
12	Person number 12	i_bufend12 (i_bufinance_ip) person number 12
13	Person number 13	i_bufend13 (i_bufinance_ip) person number 13
14	Person number 14	i_bufend14 (i_bufinance_ip) person number 14
15	Person number 15	i_bufend15 (i_bufinance_ip) person number 15
16	Person number 16	i_bufend16 (i_bufinance_ip) person number 16

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)

bufinance_ip9.buinctot_r2

Final total monthly BU income 2

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)

i_buinctot_r2 (i_bufinance_ip) final total monthly bu income 2

bufinance_ip9.cdebts

Change in total balance of debts

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 2 (Experimental allocation: Version 2 - net flows)

i_cdebts (i_bufinance_ip) change in total balance of debts

bufinance_ip9.rec1inc

Total BU income correct?

Type: choice

Source: UKHLS

Text: BUVARIABLES.BUIncTot NOT EQUAL TO 99999998Below is a summary of the income you have reported for the last month. You reported a total of £BUVARIABLES.BUIncTot from earnings, benefits, and other income sources after taxes and deductions. Thinking about the money coming in, that is after any tax or deductions, does this seem correct? If not, you will have an opportunity to update the amounts.BUVARIABLES.BUIncTot = 99999998You have not reported receiving any money in the last month from earnings, benefits, or other income sources. Is this correct? Summary of income sources for names of BU members Employment income: Main job {Name of relevant PNO if BUVARIABLES.PaynMnth_P(PNO) not equal to -8} about £BUVARIABLES.PaynMnth_P(PNO) per month {...for each person in Benefit Unit, excluding 16-19 year olds in F/T education where BUType = 2 or 4} Employment income: Second job {Name of relevant PNO if BUVARIABLES.J2PayMnth_P(PNO) not equal to -8} about £BUVARIABLES.J2PayMnth_P(PNO) per month {...for each person in Benefit Unit, excluding 16-19 year olds in F/T education where BUType = 2 or 4} Income from self-employment {Name of relevant PNO if BUVARIABLES.JsMnth_P(PNO) not equal to 99999998} about £BUVARIABLES.JsMnth_P(PNO) per month {...for each person in Benefit Unit, excluding 16-19 year olds in F/T education where BUType = 2 or 4} Benefits and pensions FICODE about £BUVARIABLES.BUFrMnth per month {display for each FICODE if BUVARIABLES.BUFrMnth not equal to -8} Total net disposable income £BUVARIABLES.BUIncTot per month Does this seem correct?

Option	Label
1	Yes
2	No

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)

i_rec1inc (i_bufinance_ip) total bu income correct?

bufinance_ip9.rec1incck

Total income last month

Type: number

Source: UKHLS

Interviewer Instruction: WRITE IN TO NEAREST £

Text: Thinking about your total income after taxes and deductions, please correct the summary below.

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if Rec1inc = 2 (Income reconciliation not correct)

bufinance_ip9.rec1totin

Total inflows (gross flows)

Type: number

Source: UKHLS

Universe:
if (GRIDVARIABLES.ModeType = 1|3) (If mode is CAPI or web)
and if (GRIDVARIABLES.BUType = 1|2) | ((GRIDVARIABLES.BUtype = 3|4) & HOUSEHOLDFINANCESLONG.BUFConsent = 1 for each person in the benefit unit) | (Single adult benefit unit, OR couple benefit unit and consent has been given to discuss household finances jointly.)
and if (GRIDVARIABLES.BUType = 1|3) | ((BUType = 2|4) & (Age > 19 | HHGRID.HgFtEd <> 1)) (Respondent is not aged 16-19 in full-time education and living with parents)
and if ff_bufmodule = 1 (Experimental allocation: Version 1 - gross flows)

i_rec1totin (i_bufinance_ip) total inflows (gross flows)
i_rec1totout (i_bufinance_ip) total inflows (gross flows)

bufinance_ip9.bufintro

bufinance_ip9.bufpno

bufinance_ip9.bufrmnth_b

bufinance_ip9.buinctot_b

bufinance_ip9.buresp

bufinance_ip9.cdebts_r2

bufinance_ip9.cdebts2

bufinance_ip9.cdebts3

bufinance_ip9.cdebts4

bufinance_ip9.creditcrd

bufinance_ip9.creditpay

bufinance_ip9.csavings

bufinance_ip9.csavings_r2

bufinance_ip9.csavings1

bufinance_ip9.csavings2

bufinance_ip9.csavings3

bufinance_ip9.csavings4

bufinance_ip9.finman

bufinance_ip9.j2paymnth_pb

bufinance_ip9.jsmnth_pb

bufinance_ip9.paynmnth_pb

bufinance_ip9.rec2balamt3

bufinance_ip9.rec1bal

bufinance_ip9.rec1balance

bufinance_ip9.rec1balance_r1

bufinance_ip9.rec1buexp

bufinance_ip9.rec1draw

bufinance_ip9.rec1intro

bufinance_ip9.rec1save

bufinance_ip9.rec1totin_r1

bufinance_ip9.rec1totout

bufinance_ip9.rec1totout_r1

bufinance_ip9.rec2acbal

bufinance_ip9.rec2acbal_r2

bufinance_ip9.rec2bal

bufinance_ip9.rec2bal1

bufinance_ip9.rec2bal2

bufinance_ip9.rec2bal3

bufinance_ip9.rec2bal4

bufinance_ip9.rec2balamt1

bufinance_ip9.rec2balamt2

bufinance_ip9.rec2balamt4

bufinance_ip9.rec2balance

bufinance_ip9.rec2balance_r2

bufinance_ip9.rec2buexp

bufinance_ip9.rec2buexp_r2

bufinance_ip9.rec2detamt1

bufinance_ip9.rec2detamt2

bufinance_ip9.rec2detamt3

bufinance_ip9.rec2detamt4

bufinance_ip9.rec2detbal1

bufinance_ip9.rec2detbal2

bufinance_ip9.rec2detbal3

bufinance_ip9.rec2detbal4

bufinance_ip9.rec2detint

bufinance_ip9.rec2incbal

bufinance_ip9.rec2incbal_r2

bufinance_ip9.rec2savint

bufinance_ip9.rec1draw_r1

bufinance_ip9.rec1buexp_r1

bufinance_ip9.rec1save_r1

bufinance_ip9.buinctot_r1

bufinance_ip9.cdebts1

bufinance_ip9.bufend

bufinance_ip9.buinctot_r2

bufinance_ip9.cdebts

bufinance_ip9.rec1inc

bufinance_ip9.rec1incck

bufinance_ip9.rec1totin

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