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. 

In too deep, an investigation into debt and relationships, Relate, 2017

https://www.relate.org.uk/sites/default/files/relate_problem_debt_report_web.pdf 

This research investigates how financial difficulties can undermine relationships and how relationship difficulties can affect how people manage their finances.  It gauges how frequently problems of this nature arise and suggests ways to improve the support available to individuals in such situations.

Standing alone? Self-employment for those on low income, Bright Blue, 2016

http://www.brightblue.org.uk/images/StandingAlone2.pdf

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

http://www.smf.co.uk/publications/bargaining-on-a-low-income-a-better-deal-for-consumers/

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

http://www.smf.co.uk/wp-content/uploads/2013/10/Publication-Family-Fortunes-The-bank-of-mum-and-dad-in-low-income-families.pdf

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

http://www.smf.co.uk/wp-content/uploads/2012/09/Publication-Sink-or-Swim-The-impact-of-Universal-Credit.pdf

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

http://www.infohub.moneyadvicetrust.org/content_files/files/mat_policis_channel_strategy_research_vol_1_channel_choice_200212.pdf

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

http://www.infohub.moneyadvicetrust.org/content_files/files/facing_the_squeeze_2011_final.pdf

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

http://www.bristol.ac.uk/media-library/sites/geography/migrated/documents/pfrc1105.pdf

Investigation of the key factors which determine whether those on lower incomes realise their ambition to save.  

Saving on a shoestring, SMF, 2011

http://www.smf.co.uk/wp-content/uploads/2011/07/Publication-Savings-on-a-shoestring-A-whole-new-approach-to-savings-policy.pdf

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

http://www.demos.co.uk/files/Open_economics_-_web-1.pdf?1292433324

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

http://www.infohub.moneyadvicetrust.org/resource.asp?pub_id=204&rPath=pub&r_id=472

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.