Living Beyond Means
1. In general, do you think you typically live beyond your means?
Choice %
Yes, definitely 8.60%
Yes, somewhat 25.15%
No 66.25%
2. On average, how much is your household's total outgoings each month? Including everything from mortgage or rent to food, bills, buying clothes or other treats etc. (Please select the best match in pounds £s)
Choice %
0-500 9.90%
501-750 9.85%
751-1000 13.30%
1001-1250 11.35%
1251-1500 9.60%
1501-1750 7.25%
1751-2000 5.75%
2001-2250 4.05%
2251-2500 3.00%
2501-3000 2.75%
3001-3250 1.20%
3251-3500 0.75%
3501+ 2.55%
Not sure 18.70%
Average 1,320.26
3. Are you currently employed?
Choice %
Yes 63.95%
No 36.05%
4. Do you have a credit card or overdraft?
Choice %
Yes - I have a credit card 43.25%
Yes - I have an overdraft 9.75%
Yes - both 20.10%
No 26.90%
5. Do you ever find yourself in your overdraft before you get paid every month?
Choice %
Yes, often 17.34%
Yes, sometimes 36.40%
No 42.61%
N/A/ I don't get paid monthly 3.64%
6. On average, how much money do you spend on your credit card each month? (Please select the best match in pounds £s)
Choice %
0 15.00%
1 - 25 6.47%
26-50 7.73%
51-100 14.21%
101-150 8.13%
151-200 7.50%
201-250 5.13%
251-300 4.66%
301-350 3.24%
351-400 3.08%
401-500 5.13%
501-600 4.18%
601-700 2.05%
701-800 2.53%
801-900 1.42%
901-1000 2.60%
1001+ 6.95%
Average 269.17
7. When you go into your overdraft or use your credit card, is it ever because you have over-spent at the start of the month?
Choice %
Yes, often 7.73%
Yes, sometimes 28.39%
N/A/ No 63.89%
8. Has an unexpected bill or payment ever left you short of cash before payday?
Choice %
Yes, many times 11.96%
Yes, once or twice 40.81%
No 47.22%
9. Which are you most likely to buy at the start of the month that you may end up regretting when your pay runs out?
Choice %
Fast food 21.50%
Clothes 24.63%
Books 6.41%
Music 5.39%
Homewares 7.43%
Candles 3.60%
Nights out 16.34%
Meals out 20.09%
Toys for kids 4.22%
Expensive branded foods 6.72%
Beauty products 7.74%
Plane tickets 2.97%
A holiday 6.25%
Sporting tickets 2.97%
Gadgets 4.85%
N/A/ Nothing / nothing in particular / my pay doesn't run out 47.30%
Other 1.09%
10. Do you think you have any financial 'blind spots' where you spend more money than you realise?
Choice %
Yes, lots 5.00%
Yes, some 32.35%
No 62.65%
11. In what areas do you think you have financial blind spots (where you spend more money than you realise)?
Choice %
Money spent on food 57.16%
Money spent on paying back loans/debt 20.35%
Money spent on clothes 27.98%
Money spent on cars 8.84%
Money spent on treats 41.23%
Money spent on monthly subscription services like Netflix, Spotify etc 9.91%
Other 5.62%
12. On average, how much per month do you think you spend on non-essential items and services? (Please select best match in pounds £s).
Choice %
0 8.45%
1 - 25 14.70%
26-50 14.70%
51-75 11.25%
76-100 16.20%
101-125 7.80%
126-150 5.50%
151-175 3.50%
176-200 5.25%
201-225 3.60%
226-250 1.50%
251-275 0.80%
276-300 1.40%
301-350 1.30%
351-400 0.90%
401-450 0.85%
451-500 0.40%
501+ 1.90%
Average 100.84
13. Overall, do you think you're good with money in general?
Choice %
Yes, very good 34.80%
Yes, quite good 51.80%
No 13.40%
14. At what age do you think you first became 'good with money'?
Choice %
16 18.07%
17 2.37%
18 8.95%
19 2.89%
20 5.02%
21 5.08%
22 3.18%
23 2.71%
24 2.54%
25 5.66%
26 1.44%
27 1.50%
28 1.44%
29 0.35%
30 6.00%
31 0.69%
32 0.46%
33 0.69%
34 0.35%
35 1.67%
36-40 3.46%
41-45 1.85%
46-50 1.50%
51+ 2.19%
N/A/ No particular age / not sure 19.92%
Average 23.98
15. Do you think you're typically better with money now than you were at a younger age?
Choice %
Yes, definitely 34.20%
Yes, somewhat 39.20%
No 26.60%
16. Who is typically more likely to make purchases and run out of money before the end of the month- yourself or your partner?
Choice %
Me 14.00%
My partner 21.40%
Neither/both the same 38.95%
N/A/ I don't live with a partner 25.65%
17. Do you think you typically live 'month to month'?
Choice %
Yes, definitely 17.25%
Yes, somewhat 32.30%
No 50.45%
18. On average, by the end of the month, how much of your salary / average monthly take home pay do you normally have left as a percentage? (Please select best match)
Choice %
0-5 23.61%
6 - 10 16.42%
11 - 15 11.18%
16-20 12.51%
21-30 12.04%
31-40 7.58%
41-50 5.16%
51-60 3.36%
61-70 2.50%
71-80 1.72%
81-90 0.86%
91-100 3.05%
Average 22.17
19. Have you ever tried to do anything to bring your monthly outgoings down?
Choice %
Yes 60.10%
No 31.50%
N/A/ I don't have regular monthly outgoings 8.40%
20. What have you ever done to try and bring your monthly outgoings down?
Choice %
Started packing a lunch instead of buying it every day 47.84%
Made a strict budget at the start of the month 39.52%
Made a note of everything you spent money on 38.52%
Cancelled Direct Debits of things like Netflix, Amazon Prime etc 34.86%
Started walking or riding a bike rather than driving or taking public transport 20.63%
Stopped buying myself treats 60.40%
Stopped buying gifts for my other half 13.56%
Other 10.90%
21. Do you think leasing a car rather than buying one outright could be a good way of using your money more effectively?
Choice %
Yes, definitely 5.20%
Yes, somewhat 17.10%
No 44.00%
Don't know 33.70%
22. Have you ever sold something expensive like a car in order to make it to the next payday?
Choice %
Yes, many times 2.55%
Yes, once or twice 11.95%
No 85.50%
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