Main Survey

Financial Management: Credit and Debt

NameLabelDatafileUKHLSBHPS
ccbillResp. pay bills for store/credit cardsindresp
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  • B15
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    debtResp. owe moneyindresp
    ----
  • B5
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  • B10
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  • B15
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    debt1mc hire purchase agreement(s)indresp---4---8
    debt2mc personal loan(s) (from bank, building soc or other financial institutionindresp---4---8
    debt4mc catalogue or mail order purchase agreement(s)indresp---4---8
    debt5mc dwp/ssa social fund loanindresp---4---8
    debt6mc any other loan(s) from a private individualindresp---4---8
    debt7mc overdraft(s)indresp---4---8
    debt8mc student loanindresp---4---8
    debt96mc spontaneous: none of theseindresp---4---8
    debt97mc other debt not listed hereindresp---4---8
    debtaOwe: hire purchase agreementsindresp
    ----
  • B5
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  • B10
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  • B15
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    debtbOwe: personal loansindresp
    ----
  • B5
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  • B10
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  • B15
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    debtcOwe: credit cardsindresp
    ----
  • B5
  • ----
  • B10
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  • B15
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    debtc1owe 500 or moreindresp---4---8
    ----
  • B5
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  • B10
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  • B15
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    debtc2owe 1,500 or moreindresp---4---8
    ----
  • B5
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  • B10
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  • B15
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    debtc3owe 5,000 or moreindresp---4---8
    ----
  • B5
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  • B10
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  • B15
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    debtc4owe 100 or moreindresp---4---8
    ----
  • B5
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  • B10
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  • B15
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    debtc5owe 10,000 or moreindresp---4---8
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  • B15
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    debtdOwe: catalogue or mail order purchasesindresp
    ----
  • B5
  • ----
  • B10
  • ----
  • B15
  • ---
    debteOwe: dwp social fund loanindresp
    ----
  • B5
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  • B10
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  • B15
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    debtfOwe: loans from individualindresp
    ----
  • B5
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  • B10
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  • B15
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    debtgOwe: something elseindresp
    ----
  • B5
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  • B10
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  • B15
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    debthOwe: overdraftindresp
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  • B10
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  • B15
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    debtiOwe: student loansindresp
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  • B10
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  • B15
  • ---
    debtinfo1mc on-line/web searchindresp---4----
    debtinfo10mc web/on-line advertisementindresp---4----
    debtinfo11mc other type of advertisementindresp---4----
    debtinfo2mc phone book/yellow pagesindresp---4----
    debtinfo3mc enquired directly with bank/building societyindresp---4----
    debtinfo4mc through a shop/retailer, such as a department store or car dealershipindresp---4----
    debtinfo5mc door step callerindresp---4----
    debtinfo6mc telephone marketerindresp---4----
    debtinfo7mc through family or a friendindresp---4----
    debtinfo8mc tv advertisementindresp---4----
    debtinfo9mc newspaper advertisementindresp---4----
    debtinfo97mc other source of informationindresp---4----
    debtjOwe money - joint commitmentindresp
    ----
  • B5
  • -------------
    debtoth1mc credit or tab at local shopsindresp---4----
    debtoth2mc shopacheckers or other doorstep loanindresp---4----
    debtoth3mc pawnbrokers (somewhere where you borrow money and leave goods)indresp---4----
    debtoth4mc local companies including cash convertors, money shop, brighthouseindresp---4----
    debtoth96mc no, none of theseindresp---4----
    debtpn0mc non-household memberindresp---4---8
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  • B15
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    debtpn1mc person number 1indresp---4---8
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  • B15
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    debtpn1_bhPNO of 1st joint holderindresp
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  • B15
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    debtpn10mc person number 10indresp---4---8
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  • B15
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    debtpn11mc person number 11indresp---4---8
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  • B15
  • ---
    debtpn12mc person number 12indresp---4---8
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  • B15
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    debtpn13mc person number 13indresp---4---8
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  • B15
  • ---
    debtpn14mc person number 14indresp---4---8
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  • B15
  • ---
    debtpn15mc person number 15indresp---4---8
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  • B15
  • ---
    debtpn16mc person number 16indresp---4---8
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  • B15
  • ---
    debtpn2mc person number 2indresp---4---8
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  • B15
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    debtpn2_bhPNO of 2nd joint holderindresp
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  • B15
  • ---
    debtpn3mc person number 3indresp---4---8
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  • B15
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    debtpn3_bhPNO of 3rd joint holderindresp
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  • B15
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    debtpn4mc person number 4indresp---4---8
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  • B15
  • ---
    debtpn5mc person number 5indresp---4---8
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  • B15
  • ---
    debtpn6mc person number 6indresp---4---8
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  • B15
  • ---
    debtpn7mc person number 7indresp---4---8
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  • B15
  • ---
    debtpn8mc person number 8indresp---4---8
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  • B15
  • ---
    debtpn9mc person number 9indresp---4---8
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  • B15
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    debtsjowe money in sole name or jointindresp---4---8
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  • B10
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  • B15
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    debtskowe amount in sole nameindresp---4---8
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  • B10
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  • B15
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    debtspPercentage share total debtindresp
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  • B10
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  • B15
  • ---
    debtwho1mc a family memberindresp---4----
    debtwho2mc a friend or other acquaintanceindresp---4----
    debtwho3mc a licensed money lenderindresp---4----
    debtwho4mc or an unlicensed money lender?indresp---4----
    debtwho97mc spontaneous: someone elseindresp---4----
    debtytotal amount owedindresp---4---8
    ----
  • B5
  • ----
  • B10
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  • B15
  • ---
    deductotal hh deductionshhresp
    ecstat1Econ.Status BU (HBAI defn), iindall
    ecstat2Econ.Status BU (HBAI defn), iiindall
    expmanage1mc pay from current incomeindresp---4----
    expmanage10mc borrow money from unlicensed lendersindresp---4----
    expmanage11mc use a credit union or savings clubindresp---4----
    expmanage2mc cut down on spendingindresp---4----
    expmanage3mc use savingsindresp---4----
    expmanage4mc borrow money from family/friends/acquaintanceindresp---4----
    expmanage5mc take out loan from bank or building societyindresp---4----
    expmanage6mc take on extra work/do overtimeindresp---4----
    expmanage7mc use credit cardsindresp---4----
    expmanage8mc use pawn brokerindresp---4----
    expmanage9mc sell personal itemsindresp---4----
    expmanage97mc otherindresp---4----
    famtype1BU type (HBAI defn)indall
    famtype2Family type - new HBAI definitionindall
    fccardResp. has store/credit cardsindresp
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  • B5
  • ----
  • B10
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  • B15
  • ---
    nccardNumber of store/credit cardsindresp
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  • B15
  • ---
    nccjtnumber of store/credit cards in joint namesindresp---4---8
    nccsolenumber of store cards/credit cards in sole nameindresp---4---8
    xpbldfProblems paying household billshhresp
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  • B5
  • -------------
    xpborrowExpected loans for universityindresp------78
    xphpRepayments on hire purchase or loanshhresp
    xphpdfRepayments a burden on householdhhresp
    xphsd1Housing payments required borrowinghhresp
    xphsd2Housing payments required cutbackshhresp
    xphsdbproblems paying for housinghhresp12345678
    xphsdb_bhBeen 2+ months late with housing paymenthhresp
    xphsdbaProblems paying billshhresp12345678
    xphsdctProblems paying Council Taxhhresp12345678
    xphsdfProblems paying for housing over yearhhresp