Research supported by PFG
Our aim is to initiate and support research which provides insight into the financial behaviour and decision making of non-standard customers. The non-standard credit market is made up of c 10-12m people, however less is known about the financial behaviour or preferences of those within this group.
Standing alone? Self-employment for those on low income, Bright Blue, 2016
Rises in the number of individuals self-employed since 2008 have been accompanied by sharp falls in earnings. This report examines the experiences and challenges facing self-employed individuals on low income.
Bargaining on a low income, SMF, 2015
This report suggests what options might be most effective to policymakers aiming to help those on lower incomes get better value in consumer markets such as grocery, utilities, financial services and travel.
Family Fortunes, SMF, 2013
An investigation of the prevalence, nature and impact of intergenerational transfers in low income families and what such support means to both donors and recipients.
Sink or Swim, SMF, 2012
A study into how potential recipients of Universal Credit felt they would be able to cope with the changes this new welfare framework is to bring.
Debt Advice Channel Strategy Research, Policis for Money Advice Trust, 2012
This research collates evidence on how people need and want to seek debt advice and how they can be directed towards the most appropriate channel.
Facing the Squeeze, PFRC for Money Advice Trust, 2011
An assessment of the impact of the economic downturn on household budgeting and of the likelihood of households accessing money advice.
Towards a nation of savers, PFRC, 2011
Investigation of the key factors which determine whether those on lower incomes realise their ambition to save.
Saving on a shoestring, SMF, 2011
An analysis of past Governments’ efforts to promote saving and what lessons could be drawn from these for future public policy efforts.
Open Economics, Demos, 2010
An assessment of the concept of ‘economic literacy’. Namely to what extent do individuals understand the interaction between their behaviour and the operation of the economy as a whole?
Facing the Squeeze, PFRC for Money Advice Trust, 2009
This looks at the impact of the economic downturn on household budgeting and attitudes to money. Also examines such households’ attitude to the merits or value of accessing money advice.