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BHPS Documentation and Questionnaires

ef104 Income: private pension or annuity
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF104 : Have you yourself or jointly with others since 1.9.94 received A Private Pension/Annuity?
Value Label Value Frequency % Valid %
Not mentioned 0 8700 94.1 98.6
Annuity/priv pens 4 127 1.4 1.4
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

ef105 Income: widow or war widows pension
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF105 : Have you yourself or jointly with others since 1.9.94 received A Widow’s or War Widow’s Pension?
Value Label Value Frequency % Valid %
Not mentioned 0 8735 94.4 99.0
Widow/war pens 5 92 1.0 1.0
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

ef106 Income: widowed mothers allowance
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF106 : Have you yourself or jointly with others since 1.9.94 received A Widowed mother’s allowance?
Value Label Value Frequency % Valid %
Not mentioned 0 8812 95.3 99.8
Wid mothr allow 6 15 .2 .2
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

ef116 Income: severe disablement allowance
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF116 : Have you yourself or jointly with others since 1.9.94 received Severe Disablement Allowance?
Value Label Value Frequency % Valid %
Not mentioned 0 8785 95.0 99.5
Sev disabl allow 16 42 .5 .5
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

ef117 Income: invalidity pension
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF117 : Have you yourself or jointly with others since 1.9.94 received Invalidity Pension, Benefit or Allowance?
Value Label Value Frequency % Valid %
Not mentioned 0 8547 92.4 96.8
Invalidity pens 17 280 3.0 3.2
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5

ef118 Income: industrial injury allowance
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF118 : Have you yourself or jointly with others since 1.9.94 received Industrial Injury or Disablement Allowance?
Value Label Value Frequency % Valid %
Not mentioned 0 8787 95.0 99.5
Ind injury allow 18 40 .4 .5
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

ef119 Income: attendence allowance
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF119 : Have you yourself or jointly with others since 1.9.94 received Attendance Allowance?
Value Label Value Frequency % Valid %
Not mentioned 0 8689 93.9 98.4
Attendance allow 19 138 1.5 1.6
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

ef120 Income: mobility allowance
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF120 : Have you yourself or jointly with others since 1.9.94 received Mobility Allowance?
Value Label Value Frequency % Valid %
Not mentioned 0 8720 94.3 98.8
Mobility allow 20 107 1.2 1.2
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7

ef121 Income: invalid care allowance
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF121 : Have you yourself or jointly with others since 1.9.94 received Invalid Care Allowance?
Value Label Value Frequency % Valid %
Not mentioned 0 8758 94.7 99.2
Inv care allow 21 69 .7 .8
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

ef122 Income: war disability pension
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF122 : Have you yourself or jointly with others since 1.9.94 received War disability Pension?
Value Label Value Frequency % Valid %
Not mentioned 0 8789 95.0 99.6
War disabl pens 22 38 .4 .4
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

ef123 Income: disability living allowance
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF123 : Have you yourself or jointly with others since 1.9.94 received Disability living allowance?
Value Label Value Frequency % Valid %
Not mentioned 0 8652 93.5 98.0
Disab livng allwnce 23 175 1.9 2.0
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A.New benefit income source from Wave 2 onwards.
Variable Occurrence W2 W3 W4 W5 W6 W7

ef124 Income: disability working allowance
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF124 : Have you yourself or jointly with others since 1.9.94 received Disability working allowance?
Value Label Value Frequency % Valid %
Not mentioned 0 8823 95.4 100.0
Disab wrkng allwnce 24 4 .0 .0
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A. New benefit income source from Wave 2 onwards.
Variable Occurrence W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13

ef125 Income: incapacity benefit
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF125 : Have you yourself or jointly with others since 1.9.94 received Incapacity Benefit?
Value Label Value Frequency % Valid %
Not mentioned 0 8589 92.9 97.3
Incapacity benefit 25 238 2.6 2.7
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A. New benefit income source from Wave 5 onwards. Introduced in 1994 to replace Invalidity benefits and N.I. Sickness benefit from April 1995 on.
Variable Occurrence W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

ef131 Income: both UB and IS
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF131 : Have you yourself or jointly with others since 1.9.94 received Unemployment Benefit and Income Support together?
Value Label Value Frequency % Valid %
Not mentioned 0 8722 94.3 98.8
UB and IS 31 105 1.1 1.2
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7

ef132 Income: income support (IS)
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF132 : Have you yourself or jointly with others since 1.9.94 received Income Support (Supplementary Benefit)?
Value Label Value Frequency % Valid %
Not mentioned 0 8039 86.9 91.1
Income Support 32 788 8.5 8.9
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

ef133 Income: unemployment benefit (UB)
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF133 : Have you yourself or jointly with others since 1.9.94 received Unemployment Benefit?
Value Label Value Frequency % Valid %
Not mentioned 0 8695 94.0 98.5
Unemployment Ben 33 132 1.4 1.5
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7

ef134 Income: NI sickness benefit
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF134 : Have you yourself or jointly with others since 1.9.94 received N.I. Sickness Benefit (Not employer’s sick pay)?
Value Label Value Frequency % Valid %
Not mentioned 0 8744 94.5 99.1
NI sick benefit 34 83 .9 .9
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5

ef135 Income: child benefit
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF135 : Have you yourself or jointly with others since 1.9.94 received Child Benefit?
Value Label Value Frequency % Valid %
Not mentioned 0 7196 77.8 81.5
Child benefit 35 1631 17.6 18.5
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

ef136 Income: one parent benefit
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF136 : Have you yourself or jointly with others since 1.9.94 received One Parent Benefit?
Value Label Value Frequency % Valid %
Not mentioned 0 8605 93.0 97.5
One parent benefit 36 221 2.4 2.5
Missing or wild -9 1 .0 Missing
Proxy respondent -7 422 4.6 Missing
Valid cases 8826 Missing cases 423
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16

ef137 Income: family credit
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF137 : Have you yourself or jointly with others since 1.9.94 received Family Credit?
Value Label Value Frequency % Valid %
Not mentioned 0 8688 93.9 98.4
Family credit 37 139 1.5 1.6
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

ef138 Income: maternity allowance
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF138 : Have you yourself or jointly with others since 1.9.94 received Maternity allowance?
Value Label Value Frequency % Valid %
Not mentioned 0 8775 94.9 99.4
Maternity allow 38 52 .6 .6
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

ef139 Income: housing benefit
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF139 : Have you yourself or jointly with others since 1.9.94 received Housing Benefit/Rent rebate or allowance?
Value Label Value Frequency % Valid %
Not mentioned 0 8426 91.1 95.5
Housing benefit 39 401 4.3 4.5
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Housing: Allowances/Rebates
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

ef140 Income: community charge benefit
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF140 : Have you yourself or jointly with others since 1.9.94 received Council Tax Benefit?
Value Label Value Frequency % Valid %
Not mentioned 0 8066 87.2 91.4
Comm charge bene 40 761 8.2 8.6
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A. Changed from Community Charge Benefit to Council Tax Benefit at Wave 3.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

ef141 Income: other state benefit
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF141 : Have you yourself or jointly with others since 1.9.94 received Any other state benefit?
Value Label Value Frequency % Valid %
Not mentioned 0 8812 95.3 99.8
Other state bene 41 15 .2 .2
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

ef151 Income: educational grant
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF151 : Have you yourself or jointly with others since 1.9.94 received Educational Grant?
Value Label Value Frequency % Valid %
Not mentioned 0 8514 92.1 96.5
Educa grant 51 313 3.4 3.5
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Grants for Education
Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

ef152 Income: trade union payments
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF152 : Have you yourself or jointly with others since 1.9.94 received Trade Union/Friendly Society payments?
Value Label Value Frequency % Valid %
Not mentioned 0 8812 95.3 99.8
T U/friendly soc pay 52 15 .2 .2
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Trade Unions and Union Membership
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

ef153 Income: maintenance or alimony
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF153 : Have you yourself or jointly with others since 1.9.94 received Maintenance or Alimony?
Value Label Value Frequency % Valid %
Not mentioned 0 8700 94.1 98.6
Maint or alimony 53 127 1.4 1.4
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

ef154 Income: payments from relations
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF154 : Have you yourself or jointly with others since 1.9.94 received Payments from a family member not living here?
Value Label Value Frequency % Valid %
Not mentioned 0 8637 93.4 97.8
Payment abs relative 54 190 2.1 2.2
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

ef155 Income: rent from lodgers
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF155 : Have you yourself or jointly with others since 1.9.94 received Rent from Boarders or lodgers (not family members living here with you)?
Value Label Value Frequency % Valid %
Not mentioned 0 8765 94.8 99.3
Rent/boarders/lodger 55 62 .7 .7
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Rents, Savings, Investments
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

ef156 Income: rent from other property
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF156 : Have you yourself or jointly with others since 1.9.94 received Rent from any other property?
Value Label Value Frequency % Valid %
Not mentioned 0 8652 93.5 98.0
Rent other prop 56 175 1.9 2.0
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Rents, Savings, Investments
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

ef157 Income: foster allowance
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF157 : Have you yourself or jointly with others since 1.9.94 received Foster allowance?
Value Label Value Frequency % Valid %
Not mentioned 0 8818 95.3 99.9
Foster allowance 57 9 .1 .1
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

ef158 Income: sickness or accident insurance
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF158 : Have you yourself or jointly with others since 1.9.94 received Sickness or accident insurance?
Value Label Value Frequency % Valid %
Not mentioned 0 8809 95.2 99.8
Sick/acci insurance 58 18 .2 .2
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

ef159 Income: any other payment
Record Type EINDRESP
Questionnaire Individual (74)
Question Number and Text EF159 : Have you yourself or jointly with others since 1.9.94 received Any other regular payment?
Value Label Value Frequency % Valid %
Not mentioned 0 8782 95.0 99.5
Any other payment 59 45 .5 .5
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

enf1 Income: total number of cited sources
Record Type EINDRESP
Questionnaire Individual (75)
Question Number and Text EF2 : Interviewer check How many sources of income in total were recorded above?
Value Label Value Frequency % Valid %
0 3765 40.7 42.7
1 2387 25.8 27.1
2 1490 16.1 16.9
3 717 7.8 8.1
4 302 3.3 3.4
5 104 1.1 1.2
6 34 .4 .4
7 11 .1 .1
8 3 .0 .0
9 1 .0 .0
Proxy respondent -7 422 4.6 Missing
Refused -2 13 .1 Missing
Valid cases 8814 Missing cases 435
Question Route ALL RESPONDENTS
Index Terms Incomes
Note

See usage notes in Vol. A.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

efisit Financial situation
Record Type EINDRESP
Questionnaire Individual (78)
Question Number and Text EF4 : How well would you say you yourself are managing financially these days? Would you say you are (READ OUT)
Value Label Value Frequency % Valid %
Living comfortably 1 2354 25.5 26.7
Doing alright 2 2934 31.7 33.3
Just abt getting by 3 2632 28.5 29.9
Finding it quite dif 4 638 6.9 7.2
Finding it very diff 5 257 2.8 2.9
Missing or wild -9 1 .0 Missing
Proxy respondent -7 422 4.6 Missing
Refused -2 1 .0 Missing
Don’t know -1 10 .1 Missing
Valid cases 8815 Missing cases 434
Question Route ALL RESPONDENTS
Index Terms Financial Management: Material Well-Being
Values, Opinions and Attitudes
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

efisitc Change in financial position last year
Record Type EINDRESP
Questionnaire Individual (78)
Question Number and Text EF5 : Would you say that you yourself are better off or worse off financially than you were a year ago?
Value Label Value Frequency % Valid %
Better off 1 2432 26.3 27.6
Worse off 2 2538 27.4 28.8
About same 3 3833 41.4 43.5
Missing or wild -9 1 .0 Missing
Proxy respondent -7 422 4.6 Missing
Refused -2 1 .0 Missing
Don’t know -1 22 .2 Missing
Valid cases 8803 Missing cases 446
Question Route ALL RESPONDENTS
Index Terms Financial Management: Material Well-Being
Values, Opinions and Attitudes
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

efisity Why financial situation changed
Record Type EINDRESP
Questionnaire Individual (78)
Question Number and Text EF6 : Why is that? (financially better or worse off)
Value Label Value Frequency % Valid %
Earnings increased 1 1406 15.2 28.6
Benefits increased 2 169 1.8 3.4
Invest’t income inc 3 46 .5 .9
Less expenses 4 277 3.0 5.6
Windfall payment 5 61 .7 1.2
Earnings decreased 11 650 7.0 13.2
Benefits reduced 12 105 1.1 2.1
Invest’t income dec 13 45 .5 .9
More expenses 14 1265 13.7 25.7
One off expenditure 15 45 .5 .9
Earn less:less expen 21 1 .0 .0
Earn more:more expen 22 46 .5 .9
Earn more:less benft 23 5 .1 .1
More benft:more expe 24 23 .2 .5
Less svgs:same std l 25 45 .5 .9
Good management 26 122 1.3 2.5
No change income/exp 27 12 .1 .2
Better off:other rea 31 287 3.1 5.8
Worse off:other reas 32 301 3.3 6.1
Other 96 4 .0 .1
Missing or wild -9 32 .3 Missing
Inapplicable -8 3856 41.7 Missing
Proxy -7 422 4.6 Missing
Refused -2 3 .0 Missing
Don’t know -1 21 .2 Missing
Valid cases 4915 Missing cases 4334
Question Route IF (EFISITC = 1-2) Asked if R is better off or worse off financially than a year ago
Index Terms Financial Management: Material Well-Being
Values, Opinions and Attitudes
Note

Office coded from verbatim responses.
Variable Occurrence W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

efisitx Financial expectations for year ahead
Record Type EINDRESP
Questionnaire Individual (78)
Question Number and Text EF7 : Looking ahead, how do you think you will be financially a year from now, will you be (READ OUT)
Value Label Value Frequency % Valid %
Better than now 1 2451 26.5 29.0
Worse than now 2 1136 12.3 13.4
About the same 3 4862 52.6 57.5
Missing or wild -9 7 .1 Missing
Proxy respondent -7 422 4.6 Missing
Refused -2 1 .0 Missing
Don’t know -1 370 4.0 Missing
Valid cases 8449 Missing cases 800
Question Route ALL RESPONDENTS
Index Terms Financial Management: Material Well-Being
Values, Opinions and Attitudes
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

eopxpsv Right time to use savings
Record Type EINDRESP
Questionnaire Individual (78)
Question Number and Text EF8 : If there were a major purchase that you wanted to make, do you think that now is a time when it would be all right to use some of your savings, or is now a time when you would be especially reluctant to use some of your savings?
Value Label Value Frequency % Valid %
OK to use savings 1 2572 27.8 29.4
Especially reluctant 2 4198 45.4 48.0
Neither OK/reluctant 3 255 2.8 2.9
Has no savings 4 1724 18.6 19.7
Missing or wild -9 6 .1 Missing
Proxy -7 422 4.6 Missing
Refused -2 1 .0 Missing
Don’t know -1 71 .8 Missing
Valid cases 8749 Missing cases 500
Question Route ALL RESPONDENTS
Index Terms Financial Management: Material Well-Being
Financial Management: Savings and Bank Accounts
Values, Opinions and Attitudes
Variable Occurrence W3 W4 W5

eopxpcr Right time to use credit
Record Type EINDRESP
Questionnaire Individual (79)
Question Number and Text EF9 : If there were something big that you wanted to buy, do you think that now is a time when it would be all right for you personally to buy on credit, or is now a time when you would be especially reluctant to take on a new debt? INCLUDE INTEREST-FREE CREDIT
Value Label Value Frequency % Valid %
OK to use credit 1 1352 14.6 15.4
Especially reluctant 2 4533 49.0 51.7
Neither OK/reluctant 3 203 2.2 2.3
Never use credit 4 2468 26.7 28.1
Can’t get credit 5 218 2.4 2.5
Missing or wild -9 2 .0 Missing
Proxy -7 422 4.6 Missing
Refused -2 1 .0 Missing
Don’t know -1 50 .5 Missing
Valid cases 8774 Missing cases 475
Question Route ALL RESPONDENTS
Index Terms Financial Management: Material Well-Being
Financial Management: Savings and Bank Accounts
Values, Opinions and Attitudes
Variable Occurrence W3 W4 W5

efccard Have store or credit cards
Record Type EINDRESP
Questionnaire Individual (81)
Question Number and Text EF10 : Can I just check, do you have any store cards or credit cards such as Visa, Access or Mastercard either in your name or shared with someone else?
Value Label Value Frequency % Valid %
Yes 1 4277 46.2 48.6
No 2 4528 49.0 51.4
Missing -9 7 .1 Missing
Proxy respondent -7 422 4.6 Missing
Refused -2 10 .1 Missing
Don’t know -1 5 .1 Missing
Valid cases 8805 Missing cases 444
Question Route ALL RESPONDENTS
Index Terms Financial Management: Credit and Debt
Financial Management: Material Well-Being
Financial Management: Savings and Bank Accounts
Variable Occurrence W5 W10 W15

efiyrdi Income last year from dividends/interest
Record Type EINDRESP
Questionnaire Individual (81)
Question Number and Text EF11 : In the past 12 months about how much have you received in the way of dividends or interest from any savings and investments you may have?
Value Label Value Frequency % Valid %
Nothing 1 3605 39.0 40.8
Under 100 2 2929 31.7 33.2
100-499 3 1341 14.5 15.2
500-999 4 409 4.4 4.6
1000+ 5 543 5.9 6.2
Proxy respondent -7 422 4.6 Missing
Valid cases 8827 Missing cases 422
Question Route ALL RESPONDENTS
Index Terms Financial Management: Savings and Bank Accounts
Incomes: Rents, Savings, Investments
Note

Includes imputed data. As this is a variable directly associated with a question, the imputation flag EFIYRDII takes missing value code of original variable (e.g. Don’t know, refuse, etc.) if imputed, and 0 if not imputed, or -8 if the variable was inapplicable.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8

efiyrdiu Income last yr dividend/interest > 1000
Record Type EINDRESP
Questionnaire Individual (81)
Question Number and Text EF12 : Could you tell me, was it
Value Label Value Frequency % Valid %
1000-2500 1 239 2.6 50.9
2501-4999 2 133 1.4 28.3
5000-10000 3 68 .7 14.5
>10000 4 30 .3 6.4
Missing or wild -9 11 .1 Missing
Inapplicable -8 8326 90.0 Missing
Proxy respondent -7 422 4.6 Missing
Refused -2 8 .1 Missing
Don’t know -1 12 .1 Missing
Valid cases 470 Missing cases 8779
Question Route IF (EFIYRDI=5) Asked if R has received in last 12 months more than 1000 in dividends or interest from savings and investments.
Index Terms Financial Management: Savings and Bank Accounts
Incomes: Rents, Savings, Investments
Variable Occurrence W3 W4 W5 W6 W7 W8

esave Saves from current income
Record Type EINDRESP
Questionnaire Individual (82)
Question Number and Text EF13 : Do you save any amount of your income for example by putting something away now and then in a bank, building society, or Post Office account other than to meet regular bills? Please include share purchase schemes and Personal Equity Plan (PEP) schemes.
Value Label Value Frequency % Valid %
Yes 1 3532 38.2 41.0
No 2 5092 55.1 59.0
Missing or wild -9 8 .1 Missing
Inapplicable -8 178 1.9 Missing
Proxy respondent -7 422 4.6 Missing
Refused -2 17 .2 Missing
Valid cases 8624 Missing cases 625
Question Route IF (EFIYRDII GE -1) Asked if R has indicated or does not know of any income from savings or investments received in last 12 months.
Index Terms Financial Management: Material Well-Being
Financial Management: Savings and Bank Accounts
Note

Explicitly excludes money put by to pay bills, but includes saving for holidays and PEPs and life insurance. Includes Tax Exempt Special Savings Accounts(TESSAs).
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

esaved Amount saved each month
Record Type EINDRESP
Questionnaire Individual (82)
Question Number and Text EF14 : About how much on average do you personally manage to save a month?
Mean Std Dev Minimum Maximum
128.03 193.73 0 5000
Value Label Value Frequency % Valid %
0 1 .0 .0
Amount stated 1 3193 34.5 100.0
Missing or wild -9 8 .1 Missing
Inapplicable -8 5287 57.2 Missing
Proxy respondent -7 422 4.6 Missing
Refused -2 39 .4 Missing
Don’t know -1 299 3.2 Missing
Valid cases 3194 Missing cases 6055
Question Route IF (EFIYRDII GE -1 AND ESAVE=1) Asked if R has indicated or does not know of any income from savings or investments received in last 12 months and saves some of income.
Index Terms Financial Management: Material Well-Being
Financial Management: Savings and Bank Accounts
Note

Amount saved by R alone.
Variable Occurrence W1 W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

esavey1 First reason for saving
Record Type EINDRESP
Questionnaire Individual (82)
Question Number and Text EF15 : What are you saving for?
Value Label Value Frequency % Valid %
Holidays 1 588 6.4 17.0
Old age 2 271 2.9 7.9
Car 3 171 1.8 5.0
Children 4 118 1.3 3.4
House purchase 5 176 1.9 5.1
Home improv 6 113 1.2 3.3
HH bills 7 34 .4 1.0
Special evnts 8 189 2.0 5.5
No spec reason 9 1580 17.1 45.8
Share schemes 10 39 .4 1.1
Own education 11 24 .3 .7
Grandchild 12 11 .1 .3
Other 96 136 1.5 3.9
Missing or wild -9 26 .3 Missing
Inapplicable -8 5326 57.6 Missing
Proxy respondent -7 422 4.6 Missing
Don’t know -1 25 .3 Missing
Valid cases 3450 Missing cases 5799
Question Route IF (EFIYRDII GE -1 AND ESAVE=1 AND ESAVED GE -1) Asked if R has indicated or does not know of any income from savings or investments received in last 12 months and saves some of income and specified or does not know how much saved per month.
Index Terms Financial Management: Material Well-Being
Financial Management: Savings and Bank Accounts
Note

Office coded from verbatim responses. At Wave 1 and 2 only one response was coded : wSAVEY.
Variable Occurrence W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

esavey2 Second reason for saving
Record Type EINDRESP
Questionnaire Individual (82)
Question Number and Text EF15 : What are you saving for?
Value Label Value Frequency % Valid %
Not mentioned 0 2986 32.3 85.5
Holidays 1 99 1.1 2.8
Old age 2 33 .4 .9
Car 3 47 .5 1.3
Children 4 24 .3 .7
House purchase 5 32 .3 .9
Home improv 6 61 .7 1.7
HH bills 7 15 .2 .4
Special evnts 8 53 .6 1.5
No spec reason 9 111 1.2 3.2
Share schemes 10 2 .0 .1
Own education 11 4 .0 .1
Grandchild 12 5 .1 .1
Other 96 20 .2 .6
Missing or wild -9 9 .1 Missing
Inapplicable -8 5326 57.6 Missing
Proxy respondent -7 422 4.6 Missing
Valid cases 3492 Missing cases 5757
Question Route IF (EFIYRDII GE -1 AND ESAVE=1 AND ESAVED GE -1) Asked if R has indicated or does not know of any income from savings or investments received in last 12 months and saves some of income and specified or does not know how much saved per month.
Index Terms Financial Management: Material Well-Being
Financial Management: Savings and Bank Accounts
Note

See note for ESAVEY1.
Variable Occurrence W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

esavek Amount in account(s) – regular saving
Record Type EINDRESP
Questionnaire Individual (83)
Question Number and Text EF16 : And about how much do you currently have in your savings account(s)? Please do not include money you have in share purchase schemes or Personal Equity Plans (PEP) schemes.
Mean Std Dev Minimum Maximum
6709.34 27925.13 0 900000
Value Label Value Frequency % Valid %
0 79 .9 2.9
Amount stated 1 2670 28.9 97.1
Missing -9 24 .3 Missing
Not applicable -8 5326 57.6 Missing
Proxy respondent -7 422 4.6 Missing
Refused -2 240 2.6 Missing
Don’t know -1 488 5.3 Missing
Valid cases 2749 Missing cases 6500
Question Route IF (EFIYRDII GE -1 AND ESAVE=1 AND ESAVED GE -1) Asked if R has indicated or does not know of any income from savings or investments received in last 12 months and saves some of income and specified or does not know how much saved per month.
Index Terms Financial Management: Material Well-Being
Financial Management: Savings and Bank Accounts
Note

See note for ESAVE.
Variable Occurrence W5

esavekb1 Savings amount to 1000 or more
Record Type EINDRESP
Questionnaire Individual (83)
Question Number and Text EF17A : Would it amount to 1,000 or more?
Value Label Value Frequency % Valid %
Yes 1 317 3.4 70.6
No 2 132 1.4 29.4
Missing -9 24 .3 Missing
Not applicable -8 8315 89.9 Missing
Proxy respondent -7 422 4.6 Missing
Refused -2 4 .0 Missing
Don’t know -1 35 .4 Missing
Valid cases 449 Missing cases 8800
Question Route IF (EFIYRDII GE -1 AND ESAVE=1 AND ESAVED GE -1 AND ESAVEK= -1) Asked if R has indicated or does not know of any income from savings or investments received in last 12 months and saves some of income and specified or does not know how much saved per month and doesn’t know how much is in savings account.
Index Terms Financial Management: Material Well-Being
Financial Management: Savings and Bank Accounts
Variable Occurrence W5

esavekb2 Savings amount to 5000 or more
Record Type EINDRESP
Questionnaire Individual (83)
Question Number and Text EF17B : Would it amount to 5,000 or more?
Value Label Value Frequency % Valid %
Yes 1 170 1.8 55.2
No 2 138 1.5 44.8
Missing -9 8 .1 Missing
Not applicable -8 8502 91.9 Missing
Proxy respondent -7 422 4.6 Missing
Refused -2 3 .0 Missing
Don’t know -1 6 .1 Missing
Valid cases 308 Missing cases 8941
Question Route IF (EFIYRDII GE -1 AND ESAVE=1 AND ESAVED GE -1 AND ESAVEK= -1 AND ESAVEKB1=1) Asked if R has indicated or does not know of any income from savings or investments received in last 12 months and saves some of income and specified or does not know how much saved per month and doesn’t know how much is in savings account but it is more than 1,000.
Index Terms Financial Management: Material Well-Being
Financial Management: Savings and Bank Accounts
Variable Occurrence W5

esavekb3 Savings amount to 10,000 or more
Record Type EINDRESP
Questionnaire Individual (83)
Question Number and Text EF17C : Would it amount to 10,000 or more?
Value Label Value Frequency % Valid %
Yes 1 112 1.2 67.5
No 2 54 .6 32.5
Missing -9 8 .1 Missing
Not applicable -8 8649 93.5 Missing
Proxy respondent -7 422 4.6 Missing
Refused -2 1 .0 Missing
Don’t know -1 3 .0 Missing
Valid cases 166 Missing cases 9083
Question Route IF (EFIYRDII GE -1 AND ESAVE=1 AND ESAVED GE -1 AND ESAVEK= -1 AND ESAVEKB1=1 AND ESAVEKB2=1) Asked if R has indicated or does not know of any income from savings or investments received in last 12 months and saves some of income and specified or does not know how much saved per month and doesn’t know how much is in savings account but it is more than 5,000.
Index Terms Financial Management: Material Well-Being
Financial Management: Savings and Bank Accounts
Variable Occurrence W5