Main Survey

wealthassetsanddebt_w4

Wealth, assets and debt module

Questions 47

wealthassetsanddebt_w4.hascurrHas UK bank account

Type
choice
Text
Do you have any current accounts in the UK? This could be in your name only or held jointly with someone else.
OptionLabel
1Yes
2No
Universe
if GRIDVARIABLES.EMBoost = 1 | GRIDVARIABLES.GPCompare = 1 | GRIDVARIABLES.LDA = 1 | ff_NewImm = 1 (Part of the EMBoost, GP Comparison or LDA sample or is a recent immigrant)

wealthassetsanddebt_w4.currynotReason no UK bank account

Type
multichoice
Interviewer Instruction
CODE ALL THAT APPLY
Text
And why don't you have a current account in the UK?
  • currynot1 (No money, little money to put in an account) d_currynot1~d_indresp~mc no money, little money to put in an account
  • currynot2 (No bank in this area) d_currynot2~d_indresp~mc no bank in this area
  • currynot3 (No point, on benefits/state pension - get cash from Post Office) d_currynot3~d_indresp~mc no point, on benefits/state pension - get cash from post office
  • currynot4 (No point, get paid cash) d_currynot4~d_indresp~mc no point, get paid cash
  • currynot5 (Afraid I might get overdrawn) d_currynot5~d_indresp~mc afraid i might get overdrawn
  • currynot6 (I am concerned there might be too many charges) d_currynot6~d_indresp~mc i am concerned there might be too many charges
  • currynot7 (Religious or ethical reasons) d_currynot7~d_indresp~mc religious or ethical reasons
  • currynot8 (Don't trust banks) d_currynot8~d_indresp~mc don't trust banks
  • currynot97 (Other reason) d_currynot97~d_indresp~mc other reason
  • currynot96 (None of these) d_currynot96~d_indresp~mc none of these
  • OptionLabelAssociated Variables
    1No money, little money to put in an account
    2No bank in this area
    3No point, on benefits/state pension - get cash from Post Office
    4No point, get paid cash
    5Afraid I might get overdrawn
    6I am concerned there might be too many charges
    7Religious or ethical reasons
    8Don't trust banks
    97Other reason
    96None of these
    Universe
    if GRIDVARIABLES.EMBoost = 1 | GRIDVARIABLES.GPCompare = 1 | GRIDVARIABLES.LDA = 1 | ff_NewImm = 1 (Part of the EMBoost, GP Comparison or LDA sample or is a recent immigrant)
    and if HASCURR = 2 (Does not have a current account in the UK)

    wealthassetsanddebt_w4.refbankRefused UK bank account

    Type
    choice
    Interviewer Instruction
    PROBE IF NECESSARY
    Text
    Thinking about all types of bank accounts, have you ever tried to open an account in the UK and been refused?
    OptionLabel
    1Yes, have tried to open an account and been refused
    2No, have tried to open accounts but have never been refused
    3No, have never tried to open an account
    Universe
    if GRIDVARIABLES.EMBoost = 1 | GRIDVARIABLES.GPCompare = 1 | GRIDVARIABLES.LDA = 1 | ff_NewImm = 1 (Part of the EMBoost, GP Comparison or LDA sample or is a recent immigrant)

    wealthassetsanddebt_w4.refbnkyWhen refused UK bank account

    Type
    choice
    Interviewer Instruction
    READ OUT
    Text
    How long ago was this?
    OptionLabel
    1Under a year
    21 - 2 years
    33 - 5 years
    4More than 5 years
    Universe
    if GRIDVARIABLES.EMBoost = 1 | GRIDVARIABLES.GPCompare = 1 | GRIDVARIABLES.LDA = 1 | ff_NewImm = 1 (Part of the EMBoost, GP Comparison or LDA sample or is a recent immigrant)
    and if REFBANK = 1 (Been refused an account in the UK)

    wealthassetsanddebt_w4.svactsSavings

    Type
    multichoice
    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?
  • svacts1 (Savings or deposit accounts (with a bank, post office or building society)) d_svacts1~d_indresp~mc savings or deposit accounts (with a bank, post office or building society)
  • svacts2 (National Savings Accounts (formerly National Savings Bank or Post Office Accounts)) d_svacts2~d_indresp~mc national savings accounts (was national savings bank or post office a/c
  • svacts3 (ISA - cash only) d_svacts3~d_indresp~mc isa - cash only
  • svacts4 (ISA - stocks and shares, or PEPs) d_svacts4~d_indresp~mc isa - stocks and shares, or peps
  • svacts5 (Premium Bonds) d_svacts5~d_indresp~mc premium bonds
  • svacts97 (Other types of savings accounts) d_svacts97~d_indresp~mc other types of savings accounts
  • svacts96 (SPONTANEOUS: None) d_svacts96~d_indresp~mc spontaneous: none
  • OptionLabelAssociated Variables
    1Savings or deposit accounts (with a bank, post office or building society)
    2National Savings Accounts (formerly National Savings Bank or Post Office Accounts)
    3ISA - cash only
    4ISA - stocks and shares, or PEPs
    5Premium Bonds
    97Other types of savings accounts
    96SPONTANEOUS: None

    wealthassetsanddebt_w4.nosvyWhy no formal savings

    Type
    choice
    Interviewer Instruction
    CODE ONE ONLY
    Text
    What is the main reason you do not have any saving accounts?
    OptionLabel
    1No money, little money to save
    2Don't understand how these accounts work
    3Tried but was refused
    4Don't want to save money in these ways
    5Religious or ethical reasons
    6Don't trust banks
    7Don't understand the point of saving
    8Never thought to do it
    97Other
    96None of these
    Universe
    if (GRIDVARIABLES.EMBoost = 1 | GRIDVARIABLES.GPCompare = 1 | GRIDVARIABLES.LDA = 1 | ff_NewImm = 1) & SVACTS = 96 (Part of the EMBoost, GP Comparison or LDA sample or is a recent immigrant and has no savings accounts)

    wealthassetsanddebt_w4.svcodeSavings code used for looping

    Type
    number
    Universe
    if SVACTS = 1-5 | 97 (Has savings account(s))

    wealthassetsanddebt_w4.svamtAmount held in account

    Type
    number
    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 = 1-5 | 97 (Has savings account(s))

    wealthassetsanddebt_w4.svb1Amount: branching q

    Type
    choice
    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?
    OptionLabel
    1Yes
    2No
    Universe
    if SVACTS = 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_w4.svb2Amount: branching q

    Type
    choice
    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?
    OptionLabel
    1Yes
    2No
    Universe
    if SVACTS = 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_w4.svb3Amount: branching q

    Type
    choice
    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?
    OptionLabel
    1Yes
    2No
    Universe
    if SVACTS = 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_w4.svb5Amount: branching q

    Type
    choice
    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?
    OptionLabel
    1Yes
    2No
    Universe
    if SVACTS = 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_w4.svb4Amount: branching q

    Type
    choice
    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?
    OptionLabel
    1Yes
    2No
    Universe
    if SVACTS = 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_w4.svsjAccount(s) in sole name or joint

    Type
    choice
    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?
    OptionLabel
    1Sole only
    2Joint only
    3Both sole and joint
    Universe
    if SVACTS = 1-5 | 97 (Has savings account(s))
    and if SVACTS IN (1,2) (Has savings or deposit account or national savings account)

    wealthassetsanddebt_w4.svpnPNO of joint account holder

    Type
    multichoice
    Interviewer Instruction
    ENTER PERSON NUMBER(S) FROM HOUSEHOLD GRID. IF JOINT HOLDER OUTSIDE HOUSEHOLD ENTER 0. CODE UP TO 3
    Text
    With whom are you a joint holder of SVCODE?
    OptionLabel
    0Non-household member
    1Person number 1
    2Person number 2
    3Person number 3
    4Person number 4
    5Person number 5
    6Person number 6
    7Person number 7
    8Person number 8
    9Person number 9
    10Person number 10
    11Person number 11
    12Person number 12
    13Person number 13
    14Person number 14
    15Person number 15
    16Person number 16
    Universe
    if SVACTS = 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_w4.svskSavings amount in sole name

    Type
    number
    Interviewer Instruction
    ENTER VALUE TO THE NEAREST POUND IF DON'T KNOW/CAN'T SAY, THEN ASK FOR ESTIMATE
    Text
    About how much of the amount you have in savings is held solely in your name?
    Universe
    if SVACTS = 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_w4.savdocsSavings documents seen by interviewer

    Type
    choice
    OptionLabel
    1Yes, respondent checked relevant documents
    2No, respondent did not check any documents
    Universe
    if SVACTS = 1-5 | 97 (Has savings account(s))

    wealthassetsanddebt_w4.infsaveInformal savings

    Type
    multichoice
    Interviewer Instruction
    CODE ALL THAT APPLY
    Text
    Do you currently save money in any of these ways?
  • infsave1 (Belonging to a credit union (a cooperative financial institution owned and managed by its members)) d_infsave1~d_indresp~mc belonging to a credit union (cooperative - owned and managed by its members
  • infsave2 (Belonging to a savings club, or micro-banking) d_infsave2~d_indresp~mc belonging to a savings club, or micro-banking
  • infsave3 (Saving informally with work colleagues, friends or family) d_infsave3~d_indresp~mc saving informally with work colleagues, friends or family
  • infsave4 (Putting money in a jar or envelope or somewhere at home) d_infsave4~d_indresp~mc putting money in a jar or envelope or somewhere at home
  • infsave5 (Asking a relative or friend to save or look after money for you) d_infsave5~d_indresp~mc asking a relative or friend to save or look after money for you
  • infsave6 (Buying gold or jewellery) d_infsave6~d_indresp~mc buying gold or jewellery
  • infsave96 (SPONTANEOUS: None of these) d_infsave96~d_indresp~mc spontaneous: none of these
  • OptionLabelAssociated Variables
    1Belonging to a credit union (a cooperative financial institution owned and managed by its members)
    2Belonging to a savings club, or micro-banking
    3Saving informally with work colleagues, friends or family
    4Putting money in a jar or envelope or somewhere at home
    5Asking a relative or friend to save or look after money for you
    6Buying gold or jewellery
    96SPONTANEOUS: None of these
    Universe
    if GRIDVARIABLES.EMBoost = 1 | GRIDVARIABLES.GPCompare = 1 | GRIDVARIABLES.LDA = 1 | ff_NewImm = 1 (Part of the EMBoost, GP Comparison or LDA sample or is a recent immigrant)

    wealthassetsanddebt_w4.ccsoleHas store cards/credit cards in sole name

    Type
    choice
    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.
    OptionLabel
    1Yes
    2No

    wealthassetsanddebt_w4.nccsoleNumber of store cards/credit cards in sole name

    Type
    number
    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_w4.credsoleMax borrowing limit on cards in sole name

    Type
    number
    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_w4.ccbillsoleRepayment behaviour, cards in sole name

    Type
    choice
    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.
    OptionLabel
    1Usually nothing to pay
    2Usually pay full amount
    3Some not full amount
    4Min on some, more other
    5Usually minimum only
    6Not always poss pay min
    7Some other arrangement
    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_w4.ccamtsoleBalance outstanding, cards in sole name

    Type
    number
    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_w4.ccjtHas store cards/credit cards in joint names

    Type
    choice
    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 Clubdcard or Nectar.
    OptionLabel
    1Yes
    2No

    wealthassetsanddebt_w4.nccjtNumber of store/credit cards in joint names

    Type
    number
    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_w4.ccjtpPNO of joint credit card holder

    Type
    multichoice
    Interviewer Instruction
    ENTER PERSON NUMBER(S) FROM HOUSEHOLD GRID. IF JOINT HOLDER OUTSIDE THE HOUSEHOLD ENTER 0. CODE UP TO 3. F9 FOR HELP
    Text
    Who is the person (who are the people) you hold these joint credit cards with?
  • ccjtp0 (Non-household member) d_ccjtp0~d_indresp~mc non-household member
  • ccjtp1 (Person number 1) d_ccjtp1~d_indresp~mc person number 1
  • ccjtp2 (Person number 2) d_ccjtp2~d_indresp~mc person number 2
  • ccjtp3 (Person number 3) d_ccjtp3~d_indresp~mc person number 3
  • ccjtp4 (Person number 4) d_ccjtp4~d_indresp~mc person number 4
  • ccjtp5 (Person number 5) d_ccjtp5~d_indresp~mc person number 5
  • ccjtp6 (Person number 6) d_ccjtp6~d_indresp~mc person number 6
  • ccjtp7 (Person number 7) d_ccjtp7~d_indresp~mc person number 7
  • ccjtp8 (Person number 8) d_ccjtp8~d_indresp~mc person number 8
  • ccjtp9 (Person number 9) d_ccjtp9~d_indresp~mc person number 9
  • ccjtp10 (Person number 10) d_ccjtp10~d_indresp~mc person number 10
  • ccjtp11 (Person number 11) d_ccjtp11~d_indresp~mc person number 11
  • ccjtp12 (Person number 12) d_ccjtp12~d_indresp~mc person number 12
  • ccjtp13 (Person number 13) d_ccjtp13~d_indresp~mc person number 13
  • ccjtp14 (Person number 14) d_ccjtp14~d_indresp~mc person number 14
  • ccjtp15 (Person number 15) d_ccjtp15~d_indresp~mc person number 15
  • ccjtp16 (Person number 16) d_ccjtp16~d_indresp~mc person number 16
  • OptionLabelAssociated Variables
    0Non-household member
    1Person number 1
    2Person number 2
    3Person number 3
    4Person number 4
    5Person number 5
    6Person number 6
    7Person number 7
    8Person number 8
    9Person number 9
    10Person number 10
    11Person number 11
    12Person number 12
    13Person number 13
    14Person number 14
    15Person number 15
    16Person number 16
    Universe
    if CCJT = 1 (Holds credit cards jointly with someone else)

    wealthassetsanddebt_w4.credjtMax borrowing limit on cards in joint names

    Type
    number
    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_w4.ccbilljtRepayment behaviour, cards in joint names

    Type
    choice
    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.
    OptionLabel
    1Usually nothing to pay
    2Usually pay full amount
    3Some not full amount
    4Min on some, more other
    5Usually minimum only
    6Not always poss pay min
    7Some other arrangement
    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_w4.ccamtjtOutstanding balance, cards in joint names

    Type
    number
    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_w4.debtOwes money

    Type
    multichoice
    Interviewer Instruction
    STUDENT 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.
  • debt1 (Hire purchase agreement(s)) d_debt1~d_indresp~mc hire purchase agreement(s)
  • debt2 (Personal loan(s) (from bank, building society or other financial institution)) d_debt2~d_indresp~mc personal loan(s) (from bank, building soc or other financial institution
  • debt4 (Catalogue or mail order purchase agreement(s)) d_debt4~d_indresp~mc catalogue or mail order purchase agreement(s)
  • debt5 (DWP/SSA Social Fund loan) d_debt5~d_indresp~mc dwp/ssa social fund loan
  • debt6 (Any other loan(s) from a private individual) d_debt6~d_indresp~mc any other loan(s) from a private individual
  • debt7 (Overdraft(s)) d_debt7~d_indresp~mc overdraft(s)
  • debt8 (Student loan) d_debt8~d_indresp~mc student loan
  • debt97 (Other debt not listed here) d_debt97~d_indresp~mc other debt not listed here
  • debt96 (SPONTANEOUS: None of these) d_debt96~d_indresp~mc spontaneous: none of these
  • OptionLabelAssociated Variables
    1Hire purchase agreement(s)
    2Personal loan(s) (from bank, building society or other financial institution)
    4Catalogue or mail order purchase agreement(s)
    5DWP/SSA Social Fund loan
    6Any other loan(s) from a private individual
    7Overdraft(s)
    8Student loan
    97Other debt not listed here
    96SPONTANEOUS: None of these

    wealthassetsanddebt_w4.debtinfoSource of information about lenders

    Type
    multichoice
    Interviewer Instruction
    CODE ALL THAT APPLY
    Text
    more than one mention at DEBTThinking of all the debts that you've just mentioned, howHow did you find out about the lender(s) you used?
  • debtinfo1 (On-line/Web search) d_debtinfo1~d_indresp~mc on-line/web search
  • debtinfo2 (Phone book/Yellow pages) d_debtinfo2~d_indresp~mc phone book/yellow pages
  • debtinfo3 (Enquired directly with bank/building society) d_debtinfo3~d_indresp~mc enquired directly with bank/building society
  • debtinfo4 (Through a shop/retailer, such as a department store or car dealership) d_debtinfo4~d_indresp~mc through a shop/retailer, such as a department store or car dealership
  • debtinfo5 (Door step caller) d_debtinfo5~d_indresp~mc door step caller
  • debtinfo6 (Telephone marketer) d_debtinfo6~d_indresp~mc telephone marketer
  • debtinfo7 (Through family or a friend) d_debtinfo7~d_indresp~mc through family or a friend
  • debtinfo8 (TV Advertisement) d_debtinfo8~d_indresp~mc tv advertisement
  • debtinfo9 (Newspaper Advertisement) d_debtinfo9~d_indresp~mc newspaper advertisement
  • debtinfo10 (Web/On-line Advertisement) d_debtinfo10~d_indresp~mc web/on-line advertisement
  • debtinfo11 (Other type of Advertisement) d_debtinfo11~d_indresp~mc other type of advertisement
  • debtinfo97 (Other source of information) d_debtinfo97~d_indresp~mc other source of information
  • OptionLabelAssociated Variables
    1On-line/Web search
    2Phone book/Yellow pages
    3Enquired directly with bank/building society
    4Through a shop/retailer, such as a department store or car dealership
    5Door step caller
    6Telephone marketer
    7Through family or a friend
    8TV Advertisement
    9Newspaper Advertisement
    10Web/On-line Advertisement
    11Other type of Advertisement
    97Other source of information
    Universe
    if (GRIDVARIABLES.EMBoost = 1 | GRIDVARIABLES.GPCompare = 1 | GRIDVARIABLES.LDA = 1 | ff_NewImm = 1) & (DEBT = 1 thru 8, 97) (Part of the EMBoost, GP Comparison or LDA sample or is a recent immigrant and has debts)

    wealthassetsanddebt_w4.debtyTotal amount owed

    Type
    number
    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) | (DEBT <> DK) | (DEBT <> REF) (Holds any sort of debt)

    wealthassetsanddebt_w4.debtc1Owe 500 or more

    Type
    choice
    Text
    Would it amount to £ 500 or more?
    OptionLabel
    1Yes
    2No
    Universe
    if (DEBT <> 96) | (DEBT <> DK) | (DEBT <> REF) (Holds any sort of debt)
    and if DEBTY = DK & DEBTY <> REF (Amount of debt not known and not refused)

    wealthassetsanddebt_w4.debtc2Owe 1,500 or more

    Type
    choice
    Text
    Would it amount to £ 1,500 or more?
    OptionLabel
    1Yes
    2No
    Universe
    if (DEBT <> 96) | (DEBT <> DK) | (DEBT <> 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_w4.debtc3Owe 5,000 or more

    Type
    choice
    Text
    Would it amount to £ 5,000 or more?
    OptionLabel
    1Yes
    2No
    Universe
    if (DEBT <> 96) | (DEBT <> DK) | (DEBT <> 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_w4.debtc5Owe 10,000 or more

    Type
    choice
    Text
    Would it amount to £ 10,000 or more?
    OptionLabel
    1Yes
    2No
    Universe
    if (DEBT <> 96) | (DEBT <> DK) | (DEBT <> 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_w4.debtc4Owe 100 or more

    Type
    choice
    Text
    Would it amount to £ 100 or more?
    OptionLabel
    1Yes
    2No
    Universe
    if (DEBT <> 96) | (DEBT <> DK) | (DEBT <> 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_w4.debtsjOwe money in sole name or joint

    Type
    choice
    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?
    OptionLabel
    1Sole only
    2Joint only
    3Both sole and joint
    Universe
    if (DEBT <> 96) | (DEBT <> DK) | (DEBT <> REF) (Holds any sort of debt)
    and if DEBTY <> REF | DEBTC1 <> REF | DEBTC2 <> REF | DEBTC3 <> REF | DEBTC4 <> REF | DEBTC5 <> REF (Has not refused to disclose the amount held in debt)

    wealthassetsanddebt_w4.debtpnPNO of joint debt holder

    Type
    multichoice
    Interviewer Instruction
    ENTER PERSON NUMBER(S) FROM HOUSEHOLD GRID. IF JOINT HOLDER OUTSIDE THE HOUSEHOLD ENTER 0. CODE UP TO 3
    Text
    Who is the person you have these joint financial commitments with?
  • debtpn0 (Non-household member) d_debtpn0~d_indresp~mc non-household member
  • debtpn1 (Person number 1) d_debtpn1~d_indresp~mc person number 1
  • debtpn2 (Person number 2) d_debtpn2~d_indresp~mc person number 2
  • debtpn3 (Person number 3) d_debtpn3~d_indresp~mc person number 3
  • debtpn4 (Person number 4) d_debtpn4~d_indresp~mc person number 4
  • debtpn5 (Person number 5) d_debtpn5~d_indresp~mc person number 5
  • debtpn6 (Person number 6) d_debtpn6~d_indresp~mc person number 6
  • debtpn7 (Person number 7) d_debtpn7~d_indresp~mc person number 7
  • debtpn8 (Person number 8) d_debtpn8~d_indresp~mc person number 8
  • debtpn9 (Person number 9) d_debtpn9~d_indresp~mc person number 9
  • debtpn10 (Person number 10) d_debtpn10~d_indresp~mc person number 10
  • debtpn11 (Person number 11) d_debtpn11~d_indresp~mc person number 11
  • debtpn12 (Person number 12) d_debtpn12~d_indresp~mc person number 12
  • debtpn13 (Person number 13) d_debtpn13~d_indresp~mc person number 13
  • debtpn14 (Person number 14) d_debtpn14~d_indresp~mc person number 14
  • debtpn15 (Person number 15) d_debtpn15~d_indresp~mc person number 15
  • debtpn16 (Person number 16) d_debtpn16~d_indresp~mc person number 16
  • OptionLabelAssociated Variables
    0Non-household member
    1Person number 1
    2Person number 2
    3Person number 3
    4Person number 4
    5Person number 5
    6Person number 6
    7Person number 7
    8Person number 8
    9Person number 9
    10Person number 10
    11Person number 11
    12Person number 12
    13Person number 13
    14Person number 14
    15Person number 15
    16Person number 16
    Universe
    if (DEBT <> 96) | (DEBT <> DK) | (DEBT <> REF) (Holds any sort of debt)
    and if DEBTY <> REF | DEBTC1 <> REF | DEBTC2 <> REF | DEBTC3 <> REF | DEBTC4 <> REF | DEBTC5 <> REF (Has not refused to disclose the amount held in debt)
    and if DEBTSJ = 2|3 (Holds debt jointly or a mixture of sole and joint)

    wealthassetsanddebt_w4.debtskOwe amount in sole name

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

    wealthassetsanddebt_w4.debtwhoPrivate individual debt

    Type
    multichoice
    Interviewer Instruction
    READ OUT AND CODE ALL THAT APPLY
    Text
    You mentioned that you owe money to a private individual, is that to...
  • debtwho1 (a family member) d_debtwho1~d_indresp~mc a family member
  • debtwho2 (a friend or other acquaintance) d_debtwho2~d_indresp~mc a friend or other acquaintance
  • debtwho3 (a licensed money lender) d_debtwho3~d_indresp~mc a licensed money lender
  • debtwho4 (or an unlicensed money lender?) d_debtwho4~d_indresp~mc or an unlicensed money lender?
  • debtwho97 (SPONTANEOUS: Someone else) d_debtwho97~d_indresp~mc spontaneous: someone else
  • OptionLabelAssociated Variables
    1a family member
    2a friend or other acquaintance
    3a licensed money lender
    4or an unlicensed money lender?
    97SPONTANEOUS: Someone else
    Universe
    if GRIDVARIABLES.EMBoost = 1 | GRIDVARIABLES.GPCompare = 1 | GRIDVARIABLES.LDA = 1 | ff_NewImm = 1 (Part of the EMBoost, GP Comparison or LDA sample or is a recent immigrant)
    and if DEBT = 6 (Owes money to a private individual)

    wealthassetsanddebt_w4.debtothAny other type of debt

    Type
    multichoice
    Interviewer Instruction
    EXCLUDE MONEY OWED FOR INSURANCE PREMIUMS, COUNCIL TAX OR UTILITIES
    Text
    Which, if any, of these other types of debts do you have?
  • debtoth1 (Credit or tab at local shops) d_debtoth1~d_indresp~mc credit or tab at local shops
  • debtoth2 (Shopacheckers or other doorstep loan) d_debtoth2~d_indresp~mc shopacheckers or other doorstep loan
  • debtoth3 (Pawnbrokers (somewhere where you borrow money and leave goods)) d_debtoth3~d_indresp~mc pawnbrokers (somewhere where you borrow money and leave goods)
  • debtoth4 (Local companies including Cash Convertors, Money Shop, Brighthouse) d_debtoth4~d_indresp~mc local companies including cash convertors, money shop, brighthouse
  • debtoth96 (No, none of these) d_debtoth96~d_indresp~mc no, none of these
  • OptionLabelAssociated Variables
    1Credit or tab at local shops
    2Shopacheckers or other doorstep loan
    3Pawnbrokers (somewhere where you borrow money and leave goods)
    4Local companies including Cash Convertors, Money Shop, Brighthouse
    96No, none of these
    Universe
    if GRIDVARIABLES.EMBoost = 1 | GRIDVARIABLES.GPCompare = 1 | GRIDVARIABLES.LDA = 1 | ff_NewImm = 1 (Part of the EMBoost, GP Comparison or LDA sample or is a recent immigrant)

    wealthassetsanddebt_w4.creditorHas loaned money to others

    Type
    choice
    Text
    And does anyone owe money to you, for example a family member, friend, acquaintance or community member you have loaned money to?
    OptionLabel
    1Yes
    2No
    Universe
    if GRIDVARIABLES.EMBoost = 1 | GRIDVARIABLES.GPCompare = 1 | GRIDVARIABLES.LDA = 1 | ff_NewImm = 1 (Part of the EMBoost, GP Comparison or LDA sample or is a recent immigrant)

    wealthassetsanddebt_w4.credamtAmount of money owed to respondent

    Type
    number
    Interviewer Instruction
    ENTER AMOUNT TO THE NEAREST POUND
    Text
    And how much are you owed in total?
    Universe
    if GRIDVARIABLES.EMBoost = 1 | GRIDVARIABLES.GPCompare = 1 | GRIDVARIABLES.LDA = 1 | ff_NewImm = 1 (Part of the EMBoost, GP Comparison or LDA sample or is a recent immigrant)
    and if CREDITOR = 1 (Has lent money to others)

    wealthassetsanddebt_w4.unusexpExpect higher than usual expenses

    Type
    choice
    Text
    In the next 12 months, do you expect to have higher expenses than usual, say for a celebration, essential travel or a holiday?
    OptionLabel
    1Yes
    2No
    Universe
    if GRIDVARIABLES.EMBoost = 1 | GRIDVARIABLES.GPCompare = 1 | GRIDVARIABLES.LDA = 1 | ff_NewImm = 1 (Part of the EMBoost, GP Comparison or LDA sample or is a recent immigrant)

    wealthassetsanddebt_w4.expmanageHow expect to manage expense

    Type
    multichoice
    Interviewer Instruction
    CODE ALL THAT APPLY
    Text
    How do you expect to manage the extra expenses?
  • expmanage1 (Pay from current income) d_expmanage1~d_indresp~mc pay from current income
  • expmanage2 (Cut down on spending) d_expmanage2~d_indresp~mc cut down on spending
  • expmanage3 (Use savings) d_expmanage3~d_indresp~mc use savings
  • expmanage4 (Borrow money from family/friends/acquaintance) d_expmanage4~d_indresp~mc borrow money from family/friends/acquaintance
  • expmanage5 (Take out loan from bank or building society) d_expmanage5~d_indresp~mc take out loan from bank or building society
  • expmanage6 (Take on extra work/Do overtime) d_expmanage6~d_indresp~mc take on extra work/do overtime
  • expmanage7 (Use credit cards) d_expmanage7~d_indresp~mc use credit cards
  • expmanage8 (Use pawn broker) d_expmanage8~d_indresp~mc use pawn broker
  • expmanage9 (Sell personal items) d_expmanage9~d_indresp~mc sell personal items
  • expmanage10 (Borrow money from unlicensed lenders) d_expmanage10~d_indresp~mc borrow money from unlicensed lenders
  • expmanage11 (Use a credit union or savings club) d_expmanage11~d_indresp~mc use a credit union or savings club
  • expmanage97 (Other) d_expmanage97~d_indresp~mc other
  • OptionLabelAssociated Variables
    1Pay from current income
    2Cut down on spending
    3Use savings
    4Borrow money from family/friends/acquaintance
    5Take out loan from bank or building society
    6Take on extra work/Do overtime
    7Use credit cards
    8Use pawn broker
    9Sell personal items
    10Borrow money from unlicensed lenders
    11Use a credit union or savings club
    97Other
    Universe
    if GRIDVARIABLES.EMBoost = 1 | GRIDVARIABLES.GPCompare = 1 | GRIDVARIABLES.LDA = 1 | ff_NewImm = 1 (Part of the EMBoost, GP Comparison or LDA sample or is a recent immigrant)
    and if UNUSEXP = 1 (Expects higher than usual expenditure next year)

    wealthassetsanddebt_w4.hurunsWho organises finances

    Type
    choice
    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.
    OptionLabel
    1I look after the household money except my partner's spending money
    2My partner looks after all the household's money except my personal spending money
    3I am given a housekeeping allowance. My partner looks after the rest of the money
    4My partner is given a housekeeping allowance. I look after the rest of the money
    5We share and manage our household finances jointly
    6We pool some of the money and keep the rest separate
    7We keep our finances completely separate
    8I have some other arrangement
    Universe
    if (HHGRID.LiveSp = 1 | HHGRID.LiveWith = 1) (Lives with a spouse or partner)