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ff118 Income: industrial injury allowance
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF118 : Have you yourself or jointly with others since 1.9.95 received Industrial Injury or Disablement Allowance?
Value Label Value Frequency % Valid %
Not mentioned 0 9084 96.2 99.4
Ind injury allow 18 53 .6 .6
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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

ff119 Income: attendance allowance
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF119 : Have you yourself or jointly with others since 1.9.95 received Attendance Allowance?
Value Label Value Frequency % Valid %
Not mentioned 0 8977 95.1 98.2
Attendance allow 19 160 1.7 1.8
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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

ff120 Income: mobility allowance
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF120 : Have you yourself or jointly with others since 1.9.95 received Mobility Allowance?
Value Label Value Frequency % Valid %
Not mentioned 0 9003 95.4 98.5
Mobility allow 20 134 1.4 1.5
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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

ff121 Income: invalid care allowance
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF121 : Have you yourself or jointly with others since 1.9.95 received Invalid Care Allowance?
Value Label Value Frequency % Valid %
Not mentioned 0 9059 96.0 99.1
Inv care allow 21 78 .8 .9
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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

ff122 Income: war disability pension
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF122 : Have you yourself or jointly with others since 1.9.95 received War disability Pension?
Value Label Value Frequency % Valid %
Not mentioned 0 9100 96.4 99.6
War disabl pens 22 37 .4 .4
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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

ff123 Income: disability living allowance
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF123 : Have you yourself or jointly with others since 1.9.95 received Disability living allowance?
Value Label Value Frequency % Valid %
Not mentioned 0 8948 94.8 97.9
Disab livng allwnce 23 189 2.0 2.1
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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

ff124 Income: disability working allowance
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF124 : Have you yourself or jointly with others since 1.9.95 received Disability working allowance?
Value Label Value Frequency % Valid %
Not mentioned 0 9133 96.8 100.0
Disab wrkng allwnce 24 4 .0 .0
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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

ff125 Income: incapacity benefit
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF125 : Have you yourself or jointly with others since 1.9.95 received Incapacity Benefit?
Value Label Value Frequency % Valid %
Not mentioned 0 8800 93.2 96.3
Incapacity benefit 25 337 3.6 3.7
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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

ff131 Income: both UB and IS
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF131 : Have you yourself or jointly with others since 1.9.95 received Unemployment Benefit and Income Support together?
Value Label Value Frequency % Valid %
Not mentioned 0 9042 95.8 99.0
UB and IS 31 95 1.0 1.0
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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

ff132 Income: income support (IS)
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF132 : Have you yourself or jointly with others since 1.9.95 received Income Support (Supplementary Benefit)?
Value Label Value Frequency % Valid %
Not mentioned 0 8372 88.7 91.6
Income Support 32 765 8.1 8.4
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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

ff133 Income: unemployment benefit (UB)
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF133 : Have you yourself or jointly with others since 1.9.95 received Unemployment Benefit?
Value Label Value Frequency % Valid %
Not mentioned 0 8989 95.2 98.4
Unemployment Ben 33 148 1.6 1.6
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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

ff142 Income: Job seeker’s allowance
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF142 : Have you yourself or jointly with others since 1.9.95 received Job Seeker’s Allowance?
Value Label Value Frequency % Valid %
Not mentioned 0 9098 96.4 99.6
Job Seeker’s Allowan 42 39 .4 .4
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
Question Route ALL RESPONDENTS
Index Terms Incomes: Benefits and Allowances and Pensions
Note

A new benefit introduced in October 1996 to replace Unemployment Benefit (wF133). See usage notes in Vol. A.
Variable Occurrence W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

ff135 Income: child benefit
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF135 : Have you yourself or jointly with others since 1.9.95 received Child Benefit?
Value Label Value Frequency % Valid %
Not mentioned 0 7485 79.3 81.9
Child benefit 35 1652 17.5 18.1
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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

ff136 Income: one parent benefit
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF136 : Have you yourself or jointly with others since 1.9.95 received One Parent Benefit?
Value Label Value Frequency % Valid %
Not mentioned 0 8911 94.4 97.5
One parent benefit 36 226 2.4 2.5
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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

ff137 Income: family credit
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF137 : Have you yourself or jointly with others since 1.9.95 received Family Credit?
Value Label Value Frequency % Valid %
Not mentioned 0 8982 95.2 98.3
Family credit 37 155 1.6 1.7
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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

ff138 Income: maternity allowance
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF138 : Have you yourself or jointly with others since 1.9.95 received Maternity allowance?
Value Label Value Frequency % Valid %
Not mentioned 0 9083 96.2 99.4
Maternity allow 38 54 .6 .6
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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

ff139 Income: housing benefit
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF139 : Have you yourself or jointly with others since 1.9.95 received Housing Benefit/Rent rebate or allowance?
Value Label Value Frequency % Valid %
Not mentioned 0 8710 92.3 95.3
Housing benefit 39 427 4.5 4.7
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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

ff140 Income: council tax benefit
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF140 : Have you yourself or jointly with others since 1.9.95 received Council Tax Benefit?
Value Label Value Frequency % Valid %
Not mentioned 0 8285 87.8 90.7
Comm charge bene 40 852 9.0 9.3
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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

ff141 Income: other state benefit
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF141 : Have you yourself or jointly with others since 1.9.95 received Any other state benefit?
Value Label Value Frequency % Valid %
Not mentioned 0 9120 96.6 99.8
Other state bene 41 17 .2 .2
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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

ff151 Income: educational grant
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF151 : Have you yourself or jointly with others since 1.9.95 received Educational Grant?
Value Label Value Frequency % Valid %
Not mentioned 0 8797 93.2 96.3
Educa grant 51 340 3.6 3.7
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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

ff152 Income: trade union payments
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF152 : Have you yourself or jointly with others since 1.9.95 received Trade Union/Friendly Society payments?
Value Label Value Frequency % Valid %
Not mentioned 0 9129 96.7 99.9
T U/friendly soc pay 52 8 .1 .1
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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

ff153 Income: maintenance or alimony
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF153 : Have you yourself or jointly with others since 1.9.95 received Maintenance or Alimony?
Value Label Value Frequency % Valid %
Not mentioned 0 9026 95.6 98.8
Maint or alimony 53 111 1.2 1.2
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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

ff154 Income: payments from relations
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF154 : Have you yourself or jointly with others since 1.9.95 received Payments from a family member not living here?
Value Label Value Frequency % Valid %
Not mentioned 0 8954 94.9 98.0
Payment abs relative 54 183 1.9 2.0
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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

ff155 Income: rent from lodgers
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF155 : Have you yourself or jointly with others since 1.9.95 received Rent from Boarders or lodgers (not family members living here with you)?
Value Label Value Frequency % Valid %
Not mentioned 0 9067 96.1 99.2
Rent/boarders/lodger 55 70 .7 .8
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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

ff156 Income: rent from other property
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF156 : Have you yourself or jointly with others since 1.9.95 received Rent from any other property?
Value Label Value Frequency % Valid %
Not mentioned 0 8958 94.9 98.0
Rent other prop 56 179 1.9 2.0
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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

ff157 Income: foster allowance
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF157 : Have you yourself or jointly with others since 1.9.95 received Foster allowance?
Value Label Value Frequency % Valid %
Not mentioned 0 9130 96.7 99.9
Foster allowance 57 7 .1 .1
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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

ff158 Income: sickness or accident insurance
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF158 : Have you yourself or jointly with others since 1.9.95 received Sickness or accident insurance?
Value Label Value Frequency % Valid %
Not mentioned 0 9095 96.4 99.5
Sick/acci insurance 58 42 .4 .5
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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

ff159 Income: any other payment
Record Type FINDRESP
Questionnaire Individual (74)
Question Number and Text FF159 : Have you yourself or jointly with others since 1.9.95 received Any other regular payment?
Value Label Value Frequency % Valid %
Not mentioned 0 9073 96.1 99.3
Any other payment 59 64 .7 .7
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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

fnf1 Income: total number of cited sources
Record Type FINDRESP
Questionnaire Individual (76)
Question Number and Text FF2 : Interviewer check How many sources of income in total were recorded above?
Value Label Value Frequency % Valid %
0 4005 42.4 43.9
1 2405 25.5 26.4
2 1536 16.3 16.8
3 699 7.4 7.7
4 314 3.3 3.4
5 126 1.3 1.4
6 26 .3 .3
7 10 .1 .1
Proxy respondent -7 301 3.2 Missing
Refused -2 16 .2 Missing
Valid cases 9121 Missing cases 317
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

ffisit Financial situation
Record Type FINDRESP
Questionnaire Individual (81)
Question Number and Text FF4 : 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 2586 27.4 28.4
Doing alright 2 3242 34.4 35.5
Just abt getting by 3 2487 26.4 27.3
Finding it quite dif 4 566 6.0 6.2
Finding it very diff 5 240 2.5 2.6
Missing or wild -9 5 .1 Missing
Proxy respondent -7 301 3.2 Missing
Refused -2 3 .0 Missing
Don’t know -1 8 .1 Missing
Valid cases 9121 Missing cases 317
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

ffisitc Change in financial position last year
Record Type FINDRESP
Questionnaire Individual (81)
Question Number and Text FF5 : 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 2773 29.4 30.4
Worse off 2 2204 23.4 24.2
About same 3 4133 43.8 45.4
Missing or wild -9 6 .1 Missing
Proxy respondent -7 301 3.2 Missing
Refused -2 3 .0 Missing
Don’t know -1 18 .2 Missing
Valid cases 9110 Missing cases 328
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

ffisity Why financial situation changed
Record Type FINDRESP
Questionnaire Individual (81)
Question Number and Text FF6 : Why is that? (financially better or worse off)
Value Label Value Frequency % Valid %
Earnings increased 1 1704 18.1 34.7
Benefits increased 2 200 2.1 4.1
Invest’t income inc 3 78 .8 1.6
Less expenses 4 349 3.7 7.1
Windfall payment 5 73 .8 1.5
Earnings decreased 11 684 7.2 13.9
Benefits reduced 12 106 1.1 2.2
Invest’t income dec 13 57 .6 1.2
More expenses 14 1044 11.1 21.3
One off expenditure 15 35 .4 .7
Earn less:less expen 21 2 .0 .0
Earn more:more expen 22 7 .1 .1
Earn more:less benft 23 17 .2 .3
More benft:more expe 24 12 .1 .2
Less svgs:same std l 25 19 .2 .4
Good management 26 143 1.5 2.9
No change income/exp 27 10 .1 .2
Better off:other rea 31 175 1.9 3.6
Worse off:other reas 32 192 2.0 3.9
Missing or wild -9 48 .5 Missing
Inapplicable -8 4154 44.0 Missing
Proxy -7 301 3.2 Missing
Refused -2 3 .0 Missing
Don’t know -1 25 .3 Missing
Valid cases 4907 Missing cases 4531
Question Route IF (FFISITC = 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

ffisitx Financial expectations for year ahead
Record Type FINDRESP
Questionnaire Individual (81)
Question Number and Text FF7 : 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 2675 28.3 30.5
Worse than now 2 1008 10.7 11.5
About the same 3 5090 53.9 58.0
Missing or wild -9 6 .1 Missing
Proxy respondent -7 301 3.2 Missing
Refused -2 3 .0 Missing
Don’t know -1 355 3.8 Missing
Valid cases 8773 Missing cases 665
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

ffiyrdi Income last year from dividends/interest
Record Type FINDRESP
Questionnaire Individual (82)
Question Number and Text FF8 : 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 4005 42.4 43.8
Under 100 2 2741 29.0 30.0
100-499 3 1332 14.1 14.6
500-999 4 479 5.1 5.2
1000+ 5 580 6.1 6.3
Proxy respondent -7 301 3.2 Missing
Valid cases 9137 Missing cases 301
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 FFIYRDII 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

ffiyrdiu Income last yr dividend/interest > 1000
Record Type FINDRESP
Questionnaire Individual (82)
Question Number and Text FF9 : Could you tell me, was it
Value Label Value Frequency % Valid %
1000-2500 1 240 2.5 48.5
2501-4999 2 132 1.4 26.7
5000-10000 3 79 .8 16.0
>10000 4 44 .5 8.9
Missing or wild -9 13 .1 Missing
Inapplicable -8 8605 91.2 Missing
Proxy respondent -7 301 3.2 Missing
Refused -2 12 .1 Missing
Don’t know -1 12 .1 Missing
Valid cases 495 Missing cases 8943
Question Route IF (FFIYRDI=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

fsave Saves from current income
Record Type FINDRESP
Questionnaire Individual (82)
Question Number and Text FF10 : 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 3710 39.3 41.1
No 2 5316 56.3 58.9
Missing or wild -9 17 .2 Missing
Proxy respondent -7 301 3.2 Missing
Refused -2 94 1.0 Missing
Valid cases 9026 Missing cases 412
Question Route ALL RESPONDENTS
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

fsaved Amount saved each month
Record Type FINDRESP
Questionnaire Individual (82)
Question Number and Text FF11 : About how much on average do you personally manage to save a month?
Mean Std Dev Minimum Maximum
135.04 204.95 0 6000
Value Label Value Frequency % Valid %
0 3 .0 .1
Amount stated 1 3337 35.4 99.9
Missing or wild -9 24 .3 Missing
Inapplicable -8 5410 57.3 Missing
Proxy respondent -7 301 3.2 Missing
Refused -2 59 .6 Missing
Don’t know -1 304 3.2 Missing
Valid cases 3340 Missing cases 6098
Question Route IF (FSAVE=1) Asked if R 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

fsavey1 First reason for saving
Record Type FINDRESP
Questionnaire Individual (82)
Question Number and Text FF12 : What are you saving for?
Value Label Value Frequency % Valid %
Holidays 1 727 7.7 20.1
Old age 2 293 3.1 8.1
Car 3 147 1.6 4.1
Children 4 121 1.3 3.3
House purchase 5 224 2.4 6.2
Home improv 6 127 1.3 3.5
HH bills 7 46 .5 1.3
Special evnts 8 192 2.0 5.3
No spec reason 9 1503 15.9 41.6
Share schemes 10 31 .3 .9
Own education 11 41 .4 1.1
Grandchild 12 5 .1 .1
Other 96 156 1.7 4.3
Missing or wild -9 76 .8 Missing
Inapplicable -8 5410 57.3 Missing
Proxy respondent -7 301 3.2 Missing
Refused -2 4 .0 Missing
Don’t know -1 34 .4 Missing
Valid cases 3613 Missing cases 5825
Question Route IF (FSAVE=1 AND FSAVED GT 0) Asked if R saves some of income and specifies amount 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

fsavey2 Second reason for saving
Record Type FINDRESP
Questionnaire Individual (82)
Question Number and Text FF12 : What are you saving for?
Value Label Value Frequency % Valid %
Not mentioned 0 3044 32.3 82.1
Holidays 1 148 1.6 4.0
Old age 2 32 .3 .9
Car 3 65 .7 1.8
Children 4 24 .3 .6
House purchase 5 37 .4 1.0
Home improv 6 84 .9 2.3
HH bills 7 22 .2 .6
Special evnts 8 67 .7 1.8
No spec reason 9 129 1.4 3.5
Share schemes 10 2 .0 .1
Own education 11 4 .0 .1
Grandchild 12 5 .1 .1
Other 96 46 .5 1.2
Missing or wild -9 17 .2 Missing
Inapplicable -8 5410 57.3 Missing
Proxy respondent -7 301 3.2 Missing
Don’t know -1 1 .0 Missing
Valid cases 3709 Missing cases 5729
Question Route IF (FSAVE=1 AND FSAVED GT 0) Asked if R saves some of income and specifies amount saved per month
Index Terms Financial Management: Material Well-Being
Financial Management: Savings and Bank Accounts
Note

See note for FSAVEY1.
Variable Occurrence W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

fpppen Paid into private personal pension
Record Type FINDRESP
Questionnaire Individual (83)
Question Number and Text FF13 : I’d like to ask you now about private personal pensions, that is a pension that you yourself have taken out on your own behalf. In the past year, that is since September 1st 1995 have you paid any contributions or premiums for a private personal pension, or had such contributions paid on your behalf by the Department of Social Security?
Value Label Value Frequency % Valid %
Yes 1 1298 13.8 14.2
No 2 7829 83.0 85.8
Missing or wild -9 3 .0 Missing
Proxy respondent -7 301 3.2 Missing
Refused -2 6 .1 Missing
Don’t know -1 1 .0 Missing
Valid cases 9127 Missing cases 311
Question Route ALL RESPONDENTS
Index Terms Financial Management: Pensions
Variable Occurrence W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

fpenb4 Personal pension started before 1.7.88
Record Type FINDRESP
Questionnaire Individual (83)
Question Number and Text FF14 : Was your policy taken out before July 1st 1988 or since then?
Value Label Value Frequency % Valid %
Before 1.7.88 1 369 3.9 28.5
1.7.88 or since 2 873 9.2 67.4
Before and after 3 53 .6 4.1
Missing or wild -9 4 .0 Missing
Inapplicable -8 7836 83.0 Missing
Proxy respondent -7 301 3.2 Missing
Don’t know -1 2 .0 Missing
Valid cases 1295 Missing cases 8143
Question Route IF (FPPPEN=1) Asked if R has since 1.9.95 paid into a private personal pension or had contributions paid on R’s behalf by the DSS
Index Terms Financial Management: Pensions
Note

1.7.88 was date on which the UK laws relating to personal pensions were changed.
Variable Occurrence W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

fpenb4yr Year pre 1.7.88 pension started
Record Type FINDRESP
Questionnaire Individual (83)
Question Number and Text FF15 : What year did you first take out a policy?
Mean Std Dev Minimum Maximum
83.99 4.42 66 88
Value Label Value Frequency % Valid %
Amount stated 1 319 3.4 100.0
Missing or wild -9 4 .0 Missing
Inapplicable -8 8764 92.9 Missing
Proxy respondent -7 301 3.2 Missing
Don’t know -1 50 .5 Missing
Valid cases 319 Missing cases 9119
Question Route IF (FPPPEN=1 AND FPENB4=1) Asked if R has since 1.9.95 paid into a private personal pension or had contributions paid on R’s behalf by the DSS and the policy was taken out before 1.7.88
Index Terms Financial Management: Pensions
Note

See note for FPENB4.
Variable Occurrence W2 W3 W4 W5 W6

fpenb4v Amount last payment to pre 1988 pension
Record Type FINDRESP
Questionnaire Individual (83)
Question Number and Text FF16 : How much was your last contribution or premium?
Mean Std Dev Minimum Maximum
254.16 893.76 6 8000
Value Label Value Frequency % Valid %
Amount stated 1 313 3.3 100.0
Missing or wild -9 5 .1 Missing
Inapplicable -8 8764 92.9 Missing
Proxy respondent -7 301 3.2 Missing
Refused -2 10 .1 Missing
Don’t know -1 45 .5 Missing
Valid cases 313 Missing cases 9125
Question Route IF (FPPPEN=1 AND FPENB4=1) Asked if R has since 1.9.95 paid into a private personal pension or had contributions paid on R’s behalf by the DSS and the policy was taken out before 1.7.88
Index Terms Financial Management: Pensions
Note

See note for FPENB4.
Variable Occurrence W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

fpenb4w Weeks covered pre 88 pension
Record Type FINDRESP
Questionnaire Individual (83)
Question Number and Text FF17OC : How long did this cover?
Mean Std Dev Minimum Maximum
8.17 12.80 1 52
Value Label Value Frequency % Valid %
Amount stated 1.00 310 3.3 100.0
Missing or wild -9.00 5 .1 Missing
Inapplicable -8.00 8819 93.4 Missing
Proxy respondent -7.00 301 3.2 Missing
One off payment -4.00 3 .0 Missing
Valid cases 310 Missing cases 9128
Question Route IF (FPPPEN=1 AND FPENB4=1) Asked if R has since 1.9.95 paid into a private personal pension or had contributions paid on R’s behalf by the DSS and the policy was taken out before 1.7.88
Index Terms Financial Management: Pensions
Note

See note for FPENB4.
Variable Occurrence W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18

fpenyr Year post 1.7.88 pension started
Record Type FINDRESP
Questionnaire Individual (84)
Question Number and Text FF18 : What year did you first take out a policy?
Value Label Value Frequency % Valid %
1988 88 63 .7 7.2
1989 89 106 1.1 12.2
1990 90 121 1.3 13.9
1991 91 108 1.1 12.4
1992 92 98 1.0 11.2
1993 93 96 1.0 11.0
1994 94 86 .9 9.9
1995 95 79 .8 9.1
1996 96 115 1.2 13.2
Missing or wild -9 5 .1 Missing
Inapplicable -8 8207 87.0 Missing
Proxy respondent -7 301 3.2 Missing
Refused -2 1 .0 Missing
Don’t know -1 52 .6 Missing
Valid cases 872 Missing cases 8566
Question Route IF (FPPPEN=1 AND FPENB4=2) Asked if R has since 1.9.95 paid into a private personal pension or had contributions paid on R’s behalf by the DSS and policy was taken out on or after 1.7.88
Index Terms Financial Management: Pensions
Note

See note for FPENB4.
Variable Occurrence W2 W3 W4 W5 W6

fpenadd Additional contrib’n to post ’88 pension
Record Type FINDRESP
Questionnaire Individual (84)
Question Number and Text FF19 : Since September 1st 1995, over and above those contributions paid on your behalf by the Department of Social Security, have you yourself made any extra contributions towards your personal pension?
Value Label Value Frequency % Valid %
Yes 1 606 6.4 66.1
No 2 311 3.3 33.9
Missing or wild -9 11 .1 Missing
Inapplicable -8 8207 87.0 Missing
Proxy respondent -7 301 3.2 Missing
Don’t know -1 2 .0 Missing
Valid cases 917 Missing cases 8521
Question Route IF (FPPPEN=1 AND FPENB4=2) Asked if R has since 1.9.95 paid into a private personal pension or had contributions paid on R’s behalf by the DSS and policy was taken out on or after 1.7.88
Index Terms Financial Management: Pensions
Variable Occurrence W2 W3 W4 W5 W6 W7 W8 W9 W10 W11 W12 W13 W14 W15 W16 W17 W18