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Questionnaire Module Main Survey

wealthassetsanddebt_w8

Wealth

Questions 34

wealthassetsanddebt_w8.debtc4

Owe 100 or more

Type: choice

Source: BHPS

Text: Would it amount to £100 or more?

OptionLabel
1Yes
2No

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

wealthassetsanddebt_w8.svamt

Amount held in account

Type: number

Source: BHPS

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

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

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

wealthassetsanddebt_w8.svacts

Savings

Type: multichoice

Source: BHPS adapted

Interviewer Instruction: CODE ALL THAT APPLY

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

OptionLabelAssociated variables
1Savings or deposit accounts (with a bank, post office or building society)h_svacts1 (h_indresp) Savings or deposit accounts (with a bank, post office or building society)
2National Savings Accounts (formerly National Savings Bank or Post Office Accounts)h_svacts2 (h_indresp) National Savings Accounts (formerly National Savings Bank or Post Office Account
3ISA - cash onlyh_svacts3 (h_indresp) ISA - cash only
4ISA - stocks and shares, or PEPsh_svacts4 (h_indresp) ISA - stocks and shares, or PEPs
5Premium Bondsh_svacts5 (h_indresp) Premium Bonds
97Other types of savings accountsh_svacts97 (h_indresp) Other types of savings accounts
96SPONTANEOUS: Noneh_svacts96 (h_indresp) SPONTANEOUS: None

wealthassetsanddebt_w8.svcode

Savings code used for looping

Type: number

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

wealthassetsanddebt_w8.svb1

Amount: branching q

Type: choice

Source: BHPS

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

Text: Would that amount to £[AMOUNT] or more?

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_w8.svb2

Amount: branching q

Type: choice

Source: BHPS

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

Text: Would that amount to £[AMOUNT] or more?

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_w8.svb3

Amount: branching q

Type: choice

Source: BHPS

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

Text: Would that amount to £[AMOUNT] or more?

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_w8.svb5

Amount: branching q

Type: choice

Source: BHPS

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

Text: Would that amount to £[AMOUNT] or more?

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_w8.svb4

Amount: branching q

Type: choice

Source: BHPS

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

Text: Would that amount to £[AMOUNT] or more?

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_w8.svsj

Account(s) in sole name or joint

Type: choice

Source: BHPS adapted

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

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_w8.svpn

PNO of joint account holder

Type: multichoice

Source: BHPS

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

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

OptionLabelAssociated variables
0Non-household memberh_svpn0_1 (h_indresp) savings no.1: Non-household member
1Person number 1h_svpn1_1 (h_indresp) savings no.1: Person number 1
2Person number 2h_svpn2_1 (h_indresp) savings no.1: Person number 2
3Person number 3h_svpn3_1 (h_indresp) savings no.1: Person number 3
4Person number 4h_svpn4_1 (h_indresp) savings no.1: Person number 4
5Person number 5h_svpn5_1 (h_indresp) savings no.1: Person number 5
6Person number 6h_svpn6_1 (h_indresp) savings no.1: Person number 6
7Person number 7h_svpn7_1 (h_indresp) savings no.1: Person number 7
8Person number 8h_svpn8_1 (h_indresp) savings no.1: Person number 8
9Person number 9h_svpn9_1 (h_indresp) savings no.1: Person number 9
10Person number 10h_svpn10_1 (h_indresp) savings no.1: Person number 10
11Person number 11h_svpn11_1 (h_indresp) savings no.1: Person number 11
12Person number 12h_svpn12_1 (h_indresp) savings no.1: Person number 12
13Person number 13h_svpn13_1 (h_indresp) savings no.1: Person number 13
14Person number 14h_svpn14_1 (h_indresp) savings no.1: Person number 14
15Person number 15h_svpn15_1 (h_indresp) savings no.1: Person number 15
16Person number 16h_svpn16_1 (h_indresp) savings no.1: Person 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_w8.svsk

Savings amount in sole name

Type: number

Source: BHPS

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

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

Universe:
if SVACTS = 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_w8.savdocs

Savings documents seen by interviewer

Type: choice

Source: UKHLS

OptionLabel
1Yes, respondent checked relevant documents
2No, respondent did not check any documents

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

wealthassetsanddebt_w8.ccsole

Has store cards/credit cards in sole name

Type: choice

Source: BHPS

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

OptionLabel
1Yes
2No

wealthassetsanddebt_w8.nccsole

Number of store cards/credit cards in sole name

Type: number

Source: BHPS

Interviewer Instruction: ENTER NUMBER

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

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

wealthassetsanddebt_w8.credsole

Max borrowing limit on cards in sole name

Type: number

Source: UKHLS

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

Text: What is the maximum borrowing limit {if NCCSOLE greater than 1} in total on all the cards / {if NCCSOLE = 1} on 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_w8.ccbillsole

Repayment behaviour, cards in sole name

Type: choice

Source: BHPS adapted

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

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_w8.ccamtsole

Balance outstanding, cards in sole name

Type: number

Source: HILDA

Interviewer Instruction: ENTER AMOUNT TO THE NEAREST POUND

Text: After you made your most recent payments, how much in total was still owed {if NCCSOLE greater than 1} on all of the cards / {if NCCSOLE = 1} on 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_w8.ccjt

Has store cards/credit cards in joint names

Type: choice

Source: BHPS

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

OptionLabel
1Yes
2No

wealthassetsanddebt_w8.nccjt

Number of store/credit cards in joint names

Type: number

Source: BHPS

Interviewer Instruction: ENTER NUMBER

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

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

wealthassetsanddebt_w8.ccjtp

PNO of joint credit card holder

Type: multichoice

Source: BHPS adapted

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

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

OptionLabelAssociated variables
0Non-household memberh_ccjtp0 (h_indresp) Non-household member
1Person number 1h_ccjtp1 (h_indresp) Person number 1
2Person number 2h_ccjtp2 (h_indresp) Person number 2
3Person number 3h_ccjtp3 (h_indresp) Person number 3
4Person number 4h_ccjtp4 (h_indresp) Person number 4
5Person number 5h_ccjtp5 (h_indresp) Person number 5
6Person number 6h_ccjtp6 (h_indresp) Person number 6
7Person number 7h_ccjtp7 (h_indresp) Person number 7
8Person number 8h_ccjtp8 (h_indresp) Person number 8
9Person number 9h_ccjtp9 (h_indresp) Person number 9
10Person number 10h_ccjtp10 (h_indresp) Person number 10
11Person number 11h_ccjtp11 (h_indresp) Person number 11
12Person number 12h_ccjtp12 (h_indresp) Person number 12
13Person number 13h_ccjtp13 (h_indresp) Person number 13
14Person number 14h_ccjtp14 (h_indresp) Person number 14
15Person number 15h_ccjtp15 (h_indresp) Person number 15
16Person number 16h_ccjtp16 (h_indresp) Person number 16

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

wealthassetsanddebt_w8.credjt

Max borrowing limit on cards in joint names

Type: number

Source: HILDA adapted

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

Text: What is the maximum borrowing limit {if NCCJT greater than 1} in total on all the cards / {if NCCJT = 1} on 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_w8.ccbilljt

Repayment behaviour, cards in joint names

Type: choice

Source: BHPS adapted

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

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_w8.ccamtjt

Outstanding balance, cards in joint names

Type: number

Source: HILDA

Interviewer Instruction: ENTER AMOUNT TO THE NEAREST POUND

Text: After the most recent payments were made, how much in total was still owed on {if NCCJT greater than 1} all of the cards / {if NCCJT = 1} the 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_w8.debt

Owes money

Type: multichoice

Source: BHPA adapted

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.

OptionLabelAssociated variables
1Hire purchase agreement(s)h_debt1 (h_indresp) Hire purchase agreement(s)
2Personal loan(s) (from bank, building society or other financial institution)h_debt2 (h_indresp) Personal loan(s) (from bank, building society or other financial institution)
4Catalogue or mail order purchase agreement(s)h_debt4 (h_indresp) Catalogue or mail order purchase agreement(s)
5DWP/SSA Social Fund loanh_debt5 (h_indresp) DWP/SSA Social Fund loan
6Any other loan(s) from a private individualh_debt6 (h_indresp) Any other loan(s) from a private individual
7Overdraft(s)h_debt7 (h_indresp) Overdraft(s)
8Student loanh_debt8 (h_indresp) Student loan
97Other debt not listed hereh_debt97 (h_indresp) Other debt not listed here
96SPONTANEOUS: None of theseh_debt96 (h_indresp) SPONTANEOUS: None of these

wealthassetsanddebt_w8.debty

Total amount owed

Type: number

Source: BHPS

Interviewer Instruction: ENTER VALUE TO THE NEAREST POUND

Text: About how much in total is owed on {if one mention at DEBT} this commitment / {if more than one mention at DEBT} these commitments?

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

wealthassetsanddebt_w8.debtc1

Owe 500 or more

Type: choice

Source: BHPS

Text: Would it amount to £500 or more?

OptionLabel
1Yes
2No

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

wealthassetsanddebt_w8.debtc2

Owe 1,500 or more

Type: choice

Source: BHPS

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

OptionLabel
1Yes
2No

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

wealthassetsanddebt_w8.debtc3

Owe 5,000 or more

Type: choice

Source: BHPS

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

OptionLabel
1Yes
2No

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

wealthassetsanddebt_w8.debtc5

Owe 10,000 or more

Type: choice

Source: BHPS

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

OptionLabel
1Yes
2No

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

wealthassetsanddebt_w8.debtsj

Owe money in sole name or joint

Type: choice

Source: BHPS

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

OptionLabel
1Sole only
2Joint only
3Both sole and joint

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

wealthassetsanddebt_w8.debtpn

PNO of joint debt holder

Type: multichoice

Source: BHPS

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

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

OptionLabelAssociated variables
0Non-household memberh_debtpn0 (h_indresp) Non-household member
1Person number 1h_debtpn1 (h_indresp) Person number 1
2Person number 2h_debtpn2 (h_indresp) Person number 2
3Person number 3h_debtpn3 (h_indresp) Person number 3
4Person number 4h_debtpn4 (h_indresp) Person number 4
5Person number 5h_debtpn5 (h_indresp) Person number 5
6Person number 6h_debtpn6 (h_indresp) Person number 6
7Person number 7h_debtpn7 (h_indresp) Person number 7
8Person number 8h_debtpn8 (h_indresp) Person number 8
9Person number 9h_debtpn9 (h_indresp) Person number 9
10Person number 10h_debtpn10 (h_indresp) Person number 10
11Person number 11h_debtpn11 (h_indresp) Person number 11
12Person number 12h_debtpn12 (h_indresp) Person number 12
13Person number 13h_debtpn13 (h_indresp) Person number 13
14Person number 14h_debtpn14 (h_indresp) Person number 14
15Person number 15h_debtpn15 (h_indresp) Person number 15
16Person number 16h_debtpn16 (h_indresp) Person number 16

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

wealthassetsanddebt_w8.debtsk

Owe amount in sole name

Type: number

Source: BHPS

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

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

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

wealthassetsanddebt_w8.huruns

Who organises finances

Type: choice

Source: BHPS

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

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)

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