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[null,null,"Young Adults Outcomes Framework"]
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[null,null,"Welcome to the Young Adults Outcomes Framework tool"]
[null,null,"Use the buttons below to view guidance, start usting the Outcomes Framework, "]
[null,null,"or view the source reference to see the surveys we sourced questions from."]
[null,null,"Once in the tool, you can navigate back to these sections using buttons on the top of each page"]

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[null,"How to use the Financial Capability Outcomes Framework & Question Bank for \nYoung Adults"]
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[null,"\n"]

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[null,"Managing well day-to-day"]
[]
[null,"How to use this tool:"]
[null,"Choose the outcomes that are relevant to your interventions by selecting on the boxes below."]

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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Click on the cells below to see relevant questions. Use the grey buttons on the left to navigate to the welcome page, view the guidance, and see all the questions "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"you have selected so far."]

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[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Wellbeing - Current financial wellbeing "}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Current financial wellbeing "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA has the ability to live (adequately) within their means (e.g. satisfaction with  financial circumstances; running out of money)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"Satisfaction with financial situation "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"How satisfied are you with your overall financial situation? Please answer on a scale of 0 to 10, where 0 is ‘not at all satisfied’ and 10 is ‘completely satisfied’\n \n0 Not at all satisfied\n...\n10 Completely satisfied\nDon’t know"},1]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Current financial wellbeing "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YA has the ability to live (adequately) within their means (e.g. satisfaction with  financial circumstances; running out of money)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"Regularity of running out of money "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"How often do you run out of money before the end of the week or month or need to use a credit card or overdraft to get by? Would you say it was …\nCHOOSE ONE ONLY\n1. Always\n2. Most of the time\n3. Sometimes\n4. Hardly ever\n5. Never\n6. Don’t know"},2]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"Current financial wellbeing "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YA is keeping up with their bills and commitments (e.g. self-reported 'keeping up') "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"Self-reported keeping up with bills and commitments"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"Which one of the following statements best describes how well you are keeping up with your bills and payments at the moment? Please include those you have personally or jointly with someone else.\nCHOOSE ONE ONLY\n1.  Keeping up without difficulty\n2. Keeping up but it is a struggle \n3. Falling behind with some bills and payments\n4.  Falling behind with many bills and payments\n5. I do not have any bills or credit commitments\n6. Don't know"},3]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),3)","v":"Current financial wellbeing "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),4)","v":"YA is keeping up with their bills and commitments (e.g. self-reported 'keeping up') "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),5)","v":"Self-reported burden of bills and commitments"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),7)","v":"How much do you feel that keeping up with your bills and payments is a burden?\nCHOOSE ONE ONLY\n1. It is not a burden at all\n2. It is somewhat of a burden \n3. It is a heavy burden\n4. I do not have any bills or credit commitments\n5. Don't know"},4]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),3)","v":"Current financial wellbeing "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),4)","v":"YA is not experiencing material deprivation (e.g. being unable to pay for essentials, affordability of expenses)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),5)","v":"Regularity of being unable to pay for essentials "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),7)","v":"How often do you go without essential items due to a lack of money? This might include being unable to pay bills, buy food or pay for heating.\nCHOOSE ONE ONLY\n1. Always\n2. Most of the time\n3. Sometimes\n4. Hardly ever\n5. Never\n6. I do not have to pay for any of these things\n7. Don’t know"},5]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),3)","v":"Current financial wellbeing "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),4)","v":"YA is not experiencing material deprivation (e.g. being unable to pay for essentials, affordability of expenses)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),5)","v":"Count of expenses considered affordable"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),7)","v":"ASK IF LIVING WITH PARENTS OR IN A CARE/COMMUNAL (E.G. STUDENT HALLS) SETTING\nLooking at this list, can I just check whether you personally can afford the following things?\nCHOOSE ALL THAT APPLY\n1. A week's annual holiday away from home\n2. Buying new, rather than second hand, clothes\n3. Going out or socialising\n4. A hobby or leisure activity\n5. None of these\n6. Don't know\n\nOTHERWISE ASK\nLooking at this list, can I just check whether you can afford the following things?\nCHOOSE ALL THAT APPLY\n1. A week's annual holiday away from home\n2. Buying new, rather than second hand, clothes\n3. Keeping your home adequately warm in winter\n4. Having friends or family for a drink or meal once a month\n5. Going out or socialising\n6. A hobby or leisure activity\n7. Replacing a major electrical appliance (e.g. fridge)\n8. Keeping your home in a decent state of decoration\n9. None of these\n10. Don't know"},6]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),3)","v":"Current financial wellbeing "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),4)","v":"YA is able to make ends meet if next income payment is lower or later than expected"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),5)","v":"Capacity to manage an unexpected delay in income "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),7)","v":"Thinking about the main source of money you receive, if this was unexpectedly delayed by two months, for how long could you manage without needing to borrow money?\nCHOOSE ONE ONLY\n1. Less than a week\n2. A week or two\n3. About a month\n4. About two months\n5. More than two months\n6.  Don’t know\n7. Does not apply"},7]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),3)","v":"Current financial wellbeing "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),4)","v":"YA is able to pay a sizeable unexpected bill"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),5)","v":"Capacity to pay an unexpected bill of £50"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),7)","v":"Imagine you had to pay an unexpected £50 expense within 7 days of today. Which of the following best describes what you would do first?\nCHOOSE ONE ONLY\n1. Pay it with my existing money\n2. Use my savings \n3. Get the money from friends or family as a gift or loan \n4. Borrow the money from somewhere else \n5. Work extra hours or shifts \n6. Sell something \n7. I would not be able to pay this \n8. Other (specify)\n9. Don’t know"},8]

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[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Wellbeing - Longer term financial security"}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
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[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Longer term financial security"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA has confidence for their financial future"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"Level of confidence in finances "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"How confident are you that you will have enough money to live comfortably in a year from now?\nCHOOSE ONE ONLY\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n5. Don’t know"},9]

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[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Wellbeing - Wider wellbeing"}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
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[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Wider wellbeing"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA has good emotional/mental wellbeing as it relates to their finances (e.g. level of anxiety about finances; effect of finances on mental health)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"Level of anxiety about finances "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"How much do you agree or disagree with the following statements? - 'Thinking about money makes me anxious'\nCHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know"},10]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Wider wellbeing"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YA has good emotional/mental wellbeing as it relates to their finances (e.g. level of anxiety about finances; effect of finances on mental health)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"Effect of finances on mental health "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"Do you experience any of the following BECAUSE of your financial situation or your household's financial situation?\nCHOOSE ALL THAT APPLY\n1. Stress or anxiety\n2. Low mood or depression\n3. Self-harm or suicidal thoughts\n4. Difficulty concentrating or relaxing\n5. Difficulty sleeping\n6. Panic attacks\n7. Eating too little or too much\n8. Alcohol use\n9. Drug use, including prescription medicines and legal highs\n9. Family tension or arguments\n10. Domestic abuse or violence\n11. None of these\n12. Don't know"},11]

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[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Wellbeing - Other"}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
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[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Other"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"Wellbeing"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":0},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"How much do you agree or disagree with the following statement?\n- 'Thinking about money makes me anxious'\n\nCHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\nDon’t know"},190]

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[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Behaviour - Managing money well day-to-day (income sources)"}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Managing money well day-to-day (income sources)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA have their own source of money"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"Has an income"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"Thinking about all the sources of income you receive, where do you get your money from? \nCHOOSE ALL THAT APPLY\n1. From work or a part-time job (including apprenticeships) \n2. Benefits payments (e.g. Universal Credit, Job Seekers Allowance)\n3. Allowance or pocket money from parents, carers or other family members\n4. Birthday, Christmas or other special occasions\n5. Student maintenance loan\n6. Any other type of borrowing (e.g. loans, overdrafts, credit cards, or from friends and family)\n7. By selling things online or somewhere else\n8. Somewhere else\n9. I do not get any money from any source\n10. Don't know"},12]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Managing money well day-to-day (income sources)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YA have their own source of money"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"Has a regular income"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"Thinking about all the sources of income you receive, do you get the same amount of money every week or month? \nCHOOSE ONE ONLY\n1. Yes, the same\n2. No, it varies\n3. I do not get any money from any source\n4. Don’t know"},13]

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[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Behaviour - Managing money well day-to-day (security)"}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
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[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Managing money well day-to-day (security)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YAs keep their account information safe"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"Keeps information about current and savings accounts safe"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"A bank account is somewhere people can keep their money rather than keeping it at home. You can have a bank account with a bank, a building society or a credit union. And you might have it in your name only or jointly with someone else. Do you have any of the following with your bank account? \nCHOOSE ALL THAT APPLY\n1. Plastic card\n2. PIN (number)\n3. Bank book\n4. Access your account online / mobile banking\n5. I do not have a bank account\n6. Don't know\n\nIF HAVE A BANK CARD\nWhere do you keep your bank card? \nCHOOSE ALL THAT APPLY\n1. In my purse/wallet\n2. My parents/carers keep it\n3. In a safe place at home\n4. Somewhere else\n5. I don't have a special place where I keep this/these items\n6. Don't know\n\nIF HAVE A PIN NUMBER\nDo you keep your PIN number written down so you remember it?  CHOOSE ALL THAT APPLY\n1. Yes, in my purse/wallet\n2. Yes, at home\n3. Yes, stored on a computer, tablet or phone\n4. None of these, I just remember it in my head \n5. None of these, I don't use my PIN number/I have forgotten it\n6. Don't know\n\nIF HAVE AN ONLINE ACCOUNT/MOBILE BANKING\nDo you keep your online bank account login details written down so you remember them? \nCHOOSE ALL THAT APPLY\n1. Yes, in my purse/wallet\n2. Yes, at home\n3. Yes, stored on a computer, tablet or phone\n4. None of these, I just remember it in my head \n5. None of these, I don't use my online bank account/I have forgotten how to log in\n6. Don't know"},14]
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[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Managing money well day-to-day (keeping track)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YAs keep track of income and spending \n(e.g. accuracy of spending  knowledge, checking balances, creating/ sticking to a budget"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"Knows how much money they have to spend"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"How accurately do you know how much money you have at present, excluding any savings?  We’re not interested in how much money you have, just how accurately you know how much money you have to spend. \nCHOOSE ONE ONLY\n1. I know within a pound or two\n2. I know within £5\n3. I know within £10\n4. I know within £20 \n5. I know within £50\n6. I know within £100 \n7. I know within £500\n8. I have no idea at all\n9. I have no money of my own\n10. Don't know"},15]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Managing money well day-to-day (keeping track)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YAs keep track of income and spending \n(e.g. accuracy of spending  knowledge, checking balances, creating/ sticking to a budget"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"Regularly checks bank account balance"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"A bank account is somewhere people can keep their money rather than keeping it at home. You can have a bank account with a bank, a building society or a credit union. And you might have it in your name only or jointly with someone else. How often do you normally check how much money is in your bank account?  This could be by checking the balance on your smartphone, online, at a cash machine or receiving an automated text message. \nCHOOSE ONE ONLY\n1. Every day\n2. At least once a week, but not every day\n3. At least once a fortnight, but not once a week\n4. At least once a month, but not once a fortnight\n5. Less than once a month\n6. Other (please specify)\n7. Never\n8. I do not have a bank account\n9. Don’t know"},16]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"Managing money well day-to-day (keeping track)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YAs keep track of income and spending \n(e.g. accuracy of spending  knowledge, checking balances, creating/ sticking to a budget"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"Methods used to keep track of income and expenditure"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"Which of these do you regularly use to keep track of your income and spending? \nCHOOSE ALL THAT APPLY\n1. An online budgeting tool\n2. An app on a mobile or other electronic device\n3. A spreadsheet\n4. A piece of paper\n5. An accounts book or notebook\n6. A financial software package\n7. By checking my bank balance\n8. By reviewing  bank statements\n9. In my head\n10. Other (please specify)\n11.  I don’t keep track\n12. Don’t know "},17]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),3)","v":"Managing money well day-to-day (keeping track)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),4)","v":"YAs budget effectively \n(e.g. set themselves a budget that's appropriate and realistic for their circumstances and stick to it, make complex choices about how to spend their money based on need and  value for money)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),5)","v":"Sets a budget that's appropriate and realistic for their circumstances and stick to it"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),7)","v":"Do you ever make a plan on how you will spend and save your money? For example by setting yourself a budget.\nCHOOSE ONE ONLY\n1. Yes\n2. No\n\nIF MAKES A PLAN\nAnd, how often do you keep to your plan or budget?\nCHOOSE ONE ONLY\n1. Never\n2. Rarely\n3. Sometimes\n4. Often\n5. Don't know"},18]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),3)","v":"Managing money well day-to-day (keeping track)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),4)","v":"YAs budget effectively \n(e.g. set themselves a budget that's appropriate and realistic for their circumstances and stick to it, make complex choices about how to spend their money based on need and  value for money)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),5)","v":"Makes complex choices about how to spend their money that are based on their needs and on value for money"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),7)","v":"When you want to get something for yourself, how often do you think about... \na) - whether your friends would approve of the item?\nb) - how much money you will have left to spend on other things?\nc) - how stylish the item is?\nd) - how long the item will last?\ne) - whether the item is good value for money?\nf) - whether you should save your money for another day?\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Never\n2. Rarely\n3. Sometimes\n4. Often\n5. Always\n6. Don't know"},19]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),3)","v":"Managing money well day-to-day (keeping track)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),4)","v":"YAs manage their bills effectively (e.g. frequency of missed payments, extent of planning to pay bills)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),5)","v":"Frequency of missed bill payments "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),7)","v":"How often do you delay or miss paying a bill or other payment, beyond the date it becomes due?\nCHOOSE ONE ONLY\n1. I often do this \n2. I occasionally do this \n3. I rarely do this \n4. I never do this\n5. I do not have any bills or other payments to pay\n6. Don't know"},20]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),3)","v":"Managing money well day-to-day (keeping track)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),4)","v":"YAs manage their bills effectively (e.g. frequency of missed payments, extent of planning to pay bills)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),5)","v":"Plans ahead for bills"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),7)","v":"How well do you usually plan ahead to make sure you have the money to pay for regular bills or payments? \nCHOOSE ONE ONLY\n1. Plan ahead to cover the full amount\n2. Plan ahead to cover some of the amount\n3. I do not plan ahead because there is always enough money to cover them\n4. Don't plan ahead at all\n5. I do not have any bills or expenses to pay\n6. Don't know"},21]

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[null,null,null,"Young Adults"]
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[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Behaviour - Managing money well day-to-day (maximising income)"}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Managing money well day-to-day (maximising income)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YAs shop around for the best deals and take steps to make their money go further"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"Shops around to get the best deal for things that they want"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"When you want to get something for yourself, how often do you do the following? \na) Look in different shops to compare prices?\nb) Look online to compare prices?\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Never\n2. Rarely\n3. Sometimes\n4. Often\n5. Always\n6. Don't know"},22]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Managing money well day-to-day (maximising income)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YAs shop around for the best deals and take steps to make their money go further"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"Shops around for essential goods and services"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"When choosing or renewing a product, how often do you  spend time comparing the different options? This might include mobile phone deals, TV bundles, insurance or electricity.\nCHOOSE ONE ONLY\n1. I always spend time comparing\n2. I sometimes spend time comparing\n3. I very rarely spend time comparing\n4. I never spend time comparing\n5. I do not have to pay for any of these things\n6. Don’t know"},23]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"Managing money well day-to-day (maximising income)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YAs shop around for the best deals and take steps to make their money go further"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"Takes steps to make money go further"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"Which of the following things, if any, do you currently do to make your money go further?  \nCHOOSE ALL THAT APPLY\n1. Shop around for food and groceries \n2. Look out for special offers or reduced items\n3. Look for promotional or discount codes\n4. Plan meals in advance \n5. Make a shopping list\n6. Avoid treats and non-essential items\n7. Turn lights/power off at home when they are not in use\n8. Check the charges on essential bills such as a mobile phone or electricity to see if there is a cheaper tariff or supplier available \n9. Use other money saving tips \n10. None of these\n11. Don't know"},24]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),3)","v":"Managing money well day-to-day (maximising income)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),4)","v":"YAs claim benefits they are entitled to"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),5)","v":"Claims benefits when eligible and adjusts claim following changes in circumstances"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),7)","v":"See notes to users: \nIt is important that young adults claim the benefits they are entitled to, so that they are able to live adequately within their means and avoid problem debt. Households who are claiming benefits must ensure their claim is accurate and up to date following any changes in circumstances, both to ensure that they are getting the full amount they are entitled to and to stop any over-payments, which they might struggle to pay back in the future.\n\nWe have not included a measure of this behaviour as the actions an individual should take, and when, will differ depending on the their circumstances, the benefits they are claiming and changes to welfare policy.  However, you might want to consider whether young adults are:\nClaiming some that they are no longer entitled to;\nClaiming none that they are entitled to;\nClaiming some that they are entitled to; or\nClaiming all entitled benefits.\n\nIf your intervention is seeking to maximise beneficiaries' income by supporting them to claim benefits, you might consider using changes to beneficiaries' income alongside other administration data (such as whether the advisor helped them to make a claim) to evidence this. Please get in touch with the Money Advice Service if you would like help with deciding how best to measure this outcome."},25]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),3)","v":"Managing money well day-to-day (maximising income)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),4)","v":"YAs register for discounted tariffs they are entitled to"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),5)","v":"Uses discounted tariffs when eligible"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),7)","v":"See notes to users:\nIt is important that young adults use any discounted tariffs they are entitled to, so that they are able to live adequately within their means and avoid problem debt. Households who are eligible for such tariffs (e.g. discounted fuel tariffs, single person Council Tax discount) must apply for them, and renew them when necessary. \n\nWe have not included a measure of this behaviour as the discounts an individual might claim will differ depending on the their circumstances:\nClaiming none that they are entitled to;\nClaiming some that they are entitled to; or\nClaiming all entitled discount schemes."},26]

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[]
[null,null,null,"Young Adults"]
[null,null,null,"Outcomes Framework"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Behaviour - Managing money well day-to-day (other)"}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Managing money well day-to-day (other)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YAs talk openly about money with family and other adults with an interest in their wellbeing"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"Talks about money with family openly"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"How comfortable are you talking about money with your family or carers?\nCHOOSE ONE ONLY\n1. Very comfortable\n2. Fairly comfortable\n3. Not very comfortable\n4. Not comfortable at all\n5. Don't know"},27]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Managing money well day-to-day (other)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YAs talk openly about money with family and other adults with an interest in their wellbeing"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"Talks about money with other adults openly"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"How comfortable are you talking about money with teachers, youth workers or other professionals?\nCHOOSE ONE ONLY\n1. Very comfortable\n2. Fairly comfortable\n3. Not very comfortable\n4. Not comfortable at all\n5. I do not do this\n6. Don't know"},28]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"Managing money well day-to-day (other)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YAs talk openly about money with friends, peers, near-to-peer"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"Talks about money with friends and peers openly"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"How comfortable are you talking about money with friends your own age or older?\nCHOOSE ONE ONLY\n1. Very comfortable\n2. Fairly comfortable\n3. Not very comfortable\n4. Not comfortable at all\n5. Don't know"},29]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),3)","v":"Managing money well day-to-day (other)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),4)","v":"YAs avoid risky or illegitimate sources of income"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),5)","v":"Avoids risky or illegitimate sources of income\n"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),7)","v":"Do you currently do any of the following to get money or increase your income?\nCHOOSE ALL THAT APPLY\n1. Gambling (e.g. poker, sports betting, slot machines)\n2. Dealing drugs or helping someone else to deal drugs\n3. Transferring stolen money between countries (sometimes known as money muling)\n4. Theft or fraud of any kind\n5. Working as a prostitute\n6. Working as an escort or exotic dancer\n7. None of these\n8. Don't know"},30]

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[null,null,null,"Young Adults"]
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[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Behaviour - Preparing for and managing life events (saving)"}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Preparing for and managing life events (saving)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YAs save for the short/medium term (e.g. they have money saved up, save up for bigger things they want to buy (e.g. a holiday or a car))"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"Has money saved up"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"Do you know how much money you have in total in savings? This might include any money saved in a bank account, put away in a drawer or money box or given to someone to look after for you.\nCHOOSE ONE ONLY\n1. No \n2. Yes, roughly\n3. Yes, exactly\n4. I do not have any savings\n5. Don't know"},31]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Preparing for and managing life events (saving)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YAs save for the short/medium term (e.g. they have money saved up, save up for bigger things they want to buy (e.g. a holiday or a car))"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"Saves when they can"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"When you get money, how often do you save at least some of it?  This might include putting it in a bank account, putting it away in a drawer or money box or giving it to someone to look after for you.\nCHOOSE ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know"},32]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"Preparing for and managing life events (saving)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YAs save for the short/medium term (e.g. they have money saved up, save up for bigger things they want to buy (e.g. a holiday or a car))"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"Saves up for the bigger things  "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"What is the longest time you have saved up towards something? This might include putting it in a bank account, putting it away in a drawer or money box or giving it to someone to look after for you.\nCHOOSE ONE ONLY\n1. I haven’t saved up money before\n2. Less than a week\n3. More than a week but less than month\n4. More than a month but less than a year\n5. More than a year\n6. Don’t know"},33]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),3)","v":"Preparing for and managing life events (saving)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),4)","v":"YAs save actively (e.g. saving on a regular basis)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),5)","v":"Frequency of saving and amount saved "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),7)","v":"Which of these best describes how often you save money? This might include putting it in a bank account, putting it away in a drawer or money box or giving it to someone to look after for you?\nCHOOSE ONE ONLY\n1. Every month\n2. Most months\n3. Some months, but not others\n4. Rarely\n5. Never\n6. Don’t know\n\nIF EVER SAVES\nJust thinking about the months that you save money is the amount that you save…\n1. Roughly the same each time\n2. A little different each time\n3. Very different each time\n4. Don’t know\n\nIF EVER SAVES\nAbout how much on average do you personally manage to save each month, at the moment? \nENTER AMOUNT IN £\nVaries too much to say"},34]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),3)","v":"Preparing for and managing life events (saving)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),4)","v":"YAs save actively (e.g. saving on a regular basis)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),5)","v":"Number of expected and unexpected expenses "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),7)","v":"Here is a list of some of the reasons people have said they save. This might include putting it in a bank account, putting it away in a drawer or money box or giving it to someone to look after for you? Which, if any, of these are reasons why  you/you and your partner/spouse save?  \nCHOOSE ALL THAT APPLY\n1. To pay for planned expenses, purchases or events\n2. In case I have to pay for unexpected expenses/purchases\n3. For a rainy day generally\n4. In case my or my partner/spouse's income changes\n5. For my retirement (excluding paying into a pension)\n6. None of these \n7. Don’t know\n\nWhat planned expenses, purchases or events are you saving for?\nCHOOSE ALL THAT APPLY\n1.  Going travelling/going on holiday\n2. Buying a car/van/motorbike\n3. Buying a laptop, tablet or phone\n4. Household bills and payments\n5. Presents for birthdays, Christmas or other occasions\n6. Move out of parental home/get my own home\n7. Home maintenance or improvements\n8. Getting married/civil partnership\n9. Having children/raising a family\n10. Staying in education/further study/getting a qualification\n11. For children's future (e.g. education, setting up home)\n12. Retirement\n13. Something else (please specify)\nDon’t know"},35]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),3)","v":"Preparing for and managing life events (saving)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),4)","v":"YAs are working towards financial goals \n(e.g. number of financial goals and level of plan for achieving goals)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),5)","v":"Number of financial goals and level of plan for achieving goals"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),7)","v":"A) Which, if any, of the following goals would you like to achieve within the next 3 years?\nCHOOSE ALL THAT APPLY\n1. Stay in education/further study/get a qualification\n2. Go travelling/go on holiday/take a gap year\n3. Get a job/get a new job/progress in my career\n4. Rely less on my parents/carers for money \n5. Move out of parental home/get my own home\n6. Get a car/van/motorbike\n7. Do well in sports, music or the arts \n8. Get married /civil partnership/move in with a partner\n9. Have children/raise a family\n10. Pay off debts/reduce debts\n11. Save for retirement\n12. Something else (please specify)\n13. Nothing, I have no goals for the next 3 years\n14. Don't know \n\nFOR EACH OPTION CHOSEN ABOVE\nB) CHOOSE ONE ONLY\nHow much of a plan do you have about how you will achieve this goal financially? \n1. I do not have a plan\n2. I have a rough plan \n3. I have a clear plan\n4. I will not have to meet these costs\n5. Don't know"},36]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),3)","v":"Preparing for and managing life events (saving)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),4)","v":"YAs are working towards financial goals \n(e.g. number of financial goals and level of plan for achieving goals)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),5)","v":"Has plans for moving into work"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),7)","v":"ASK ONLY IF YOUNG ADULT PLANS TO GET A JOB/MOVE INTO EMPLOYMENT (INCLUDING APPRENTICESHIPS)\nThinking about when you will start work, how much of a plan do you have for each of the following?\na) The costs of getting to and from your place of work\nb) Paying for the clothes you will have to work in \nc) Paying for meals, drinks or snacks while at work\nd) The costs of any training or work experience you might need\ne) Paying into a pension\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. I do not have a plan\n2. I have a rough plan \n3. I have a clear plan\n4. I will not have to meet these costs\n5. Don't know"},37]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),3)","v":"Preparing for and managing life events (saving)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),4)","v":"YAs are working towards financial goals \n(e.g. number of financial goals and level of plan for achieving goals)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),5)","v":"Has plans for moving into further or higher education "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),7)","v":"ASK ONLY IF YOUNG ADULT PLANS TO MOVE INTO FURTHER OR HIGHER EDUCATION\nThinking about when you go to college/university, how much of a plan do you have for each of the following?\na) Where you will live as a student next year\nb) How the tuition fees for your course will be  paid \nc) How you will pay for books or other materials to help with your studies\nd) How you will pay for living costs, such as food, transport or rent \n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. I do not have a plan\n2. I have a rough plan \n3. I have a clear plan\n4. I will not have to meet these costs\n5. Don't know"},38]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F18,Questions!$D$3:$D$191,0),3)","v":"Preparing for and managing life events (saving)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F18,Questions!$D$3:$D$191,0),4)","v":"YAs are working towards financial goals \n(e.g. number of financial goals and level of plan for achieving goals)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F18,Questions!$D$3:$D$191,0),5)","v":"Has plans for repaying student debts "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F18,Questions!$D$3:$D$191,0),7)","v":"ASK ONLY IF YOUNG ADULT IS IN FURTHER OR HIGHER EDUCATION\nHow much of a plan do you have for repaying the debts you have built up as a student?\nCHOOSE ONE ONLY\n1. I do not have a plan\n2. I have a rough plan \n3. I have a clear plan\n4. I will not have to meet these costs\n5. Don't know"},39]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F19,Questions!$D$3:$D$191,0),3)","v":"Preparing for and managing life events (saving)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F19,Questions!$D$3:$D$191,0),4)","v":"YAs are saving for retirement (e.g. paying into a pension scheme, steps taken to ensure adequate income)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F19,Questions!$D$3:$D$191,0),5)","v":"Pays into a pension scheme "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F19,Questions!$D$3:$D$191,0),7)","v":"ASK ONLY IF YOUNG ADULT IS IN PAID WORK\nAre you currently paying into one or more pensions? This can include an employer or any other type of private pension\nCHOOSE ONE ONLY\n1. Yes\n2. No\n3. Don’t know"},40]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F20,Questions!$D$3:$D$191,0),3)","v":"Preparing for and managing life events (saving)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F20,Questions!$D$3:$D$191,0),4)","v":"YAs are saving for retirement (e.g. paying into a pension scheme, steps taken to ensure adequate income)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F20,Questions!$D$3:$D$191,0),5)","v":"Takes steps to ensure adequate income in retirement"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F20,Questions!$D$3:$D$191,0),7)","v":"ASK ONLY IF YOUNG ADULT IS IN PAID WORK\nPRE. In the last [X months], which of the following have you done in relation to your pension or retirement income?\nPOST. Since [reference point], which of the following have you done in relation to your pension or retirement income? \n\nCHOOSE ALL THAT APPLY\n1. Checked whether my income will be enough to meet my needs in retirement\n2. Increased how much I am paying towards my retirement income\n3. I don't have a pension / source of retirement income\nDon't know"},41]

{"sheet":"B7","index":14,"n_rows":13,"n_cols":6,"rows_kept":13,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,null,"Young Adults"]
[null,null,null,"Outcomes Framework"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Behaviour - Preparing for and managing life events (resilience)"}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Preparing for and managing life events (resilience)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YAs are able to withstand a significant financial shock  \n(e.g. have appropriate insurance)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"Has appropriate insurance"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"Which, if any, of the following types of insurance do you have? This might be something you have bought yourself or that you know someone else has bought for you.\nCHOOSE ALL THAT APPLY\n1. Home insurance (covering contents and/or the building)\n2. Insurance for specific items or needs (e.g. car, travel) \n3. Any other type of insurance (e.g. mobile phone)\n4. None of these\n5. Don't know"},42]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Preparing for and managing life events (resilience)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YAs are able to withstand a significant financial shock  \n(e.g. have appropriate insurance)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"Has longer term savings products "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"Do you currently have savings or investments in any of the following?\nCHOOSE ALL THAT APPLY\n1. In a savings account or ISA\n2. In a cash / money box\n3. In a credit union account\n4. In a savings club (e.g. Christmas savings club)\n5. Premium bonds\n6. In a current account/basic bank account\n7. In investments/stocks & shares\n8. I do not have any savings\n9. Don't know"},43]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"Preparing for and managing life events (resilience)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YAs are saving for expected and unexpected expenses"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"Number of expected and unexpected expenses "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"Here is a list of some of the reasons people have said they save. This might include putting it in a bank account, putting it away in a drawer or money box or giving it to someone to look after for you?\nA) Which, if any, of these are reasons why  you/you and your partner/spouse save?  \nCHOOSE ALL THAT APPLY\n1. To pay for planned expenses, purchases or events\n2. In case I have to pay for unexpected expenses/purchases\n3. For a rainy day generally\n4. In case my or my partner/spouse's income changes\n5. For my retirement (excluding paying into a pension)\n6. None of these \n7. Don’t know\n\nB) What planned expenses, purchases or events are you saving for?\nCHOOSE ALL THAT APPLY\n1.  Going travelling/going on holiday\n2. Buying a car/van/motorbike\n3. Buying a laptop, tablet or phone\n4. Household bills and payments\n5. Presents for birthdays, Christmas or other occasions\n6. Move out of parental home/get my own home\n7. Home maintenance or improvements\n8. Getting married/civil partnership\n9. Having children/raising a family\n10. Staying in education/further study/getting a qualification\n11. For children's future (e.g. education, setting up home)\n12. Retirement\n13. Something else (please specify)\nDon’t know"},44]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),3)","v":"Preparing for and managing life events (resilience)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),4)","v":"Increasing the total amount saved (e.g. amount in personal savings and investments excluding in pension)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),5)","v":"Amount held in savings"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),7)","v":"I'd like to ask you about your savings. This might include putting it in a bank account, putting it away in a drawer or money box or giving it to someone to look after for you?\nAbout how much do you currently have in savings or investments? \nCHOOSE ONE ONLY\n1. £25 or less\n2 £26 - £50\n3. £51 - £100\n4. £101 - £250\n5. £251 - £500\n6. £501 - £1,000\n7. £1,001 - £9,999\n8. £10,000 or more\n9. I do not have any savings or investments\n10. Don’t know\n\nAnd is the amount you have in savings or investments increasing, decreasing or staying about the same over time?\n1. Increasing\n2. Decreasing\n3. Staying about the same\n4. I do not have any savings or investments\n5. Don't know"},45]

{"sheet":"B8","index":15,"n_rows":17,"n_cols":6,"rows_kept":17,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,null,"Young Adults"]
[null,null,null,"Outcomes Framework"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Behaviour - Managing credit use/borrowing/debt"}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Managing credit use/borrowing/debt"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YAs use credit responsibly/sensibly \n(e.g. method of credit card repayment/ maintaining their overdrafts at manageable levels)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"Total unsecured borrowing"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"ASK ONLY IF UNDER 18:\nAdding up all of  the money you have borrowed from friends, family or anyone else, about how much do you owe in total? \n\nASK ONLY IF 18 or OVER:\nAdding up all of  the money you have borrowed, from friends or family, overdrafts, balances on credit or store cards, hire purchase and any other types of loans, about how much do you owe in total? Please do not include any loans from the Student Loans Company\n1. I do not have any borrowing\n2. ENTER AMOUNT IN £\n3. Don't know"},46]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Managing credit use/borrowing/debt"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YAs use credit responsibly/sensibly \n(e.g. method of credit card repayment/ maintaining their overdrafts at manageable levels)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"Repays credit cards"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"ASK ONLY IF 18 or OVER:\nIf you have a credit card or store card, how do you generally handle paying the bill each month ? \nCHOOSE ONE ONLY\n1. Pay the full balance every month\n2. Pay the full balance most months\n3. Pay less than the full balance but more than the minimum payment most months\n4. Pay only the minimum payment most months\n5. Someone else pays it for me\n6. I have a credit or store card but the balance is zero\n7. I do not have any credit or store cards\n8. Don’t know"},47]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"Managing credit use/borrowing/debt"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YAs use credit responsibly/sensibly \n(e.g. method of credit card repayment/ maintaining their overdrafts at manageable levels)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"Manages the overdraft agreed"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"A) Does your bank account have an overdraft facility?\nCHOOSE ONE ONLY\n1. Yes\n2. No\n3. I don't have a bank account\n4. Don't know\n\n[IF YES]\nB) Which of the following best describes the overdraft on your bank account?\nCHOOSE ONE ONLY\n1. I have money in my account and am not using my overdraft\n2. I am using my overdraft but am well within my overdraft limit\n3. I am close to my overdraft limit\n4. I have gone over my overdraft limit\n5. Don't know"},48]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),3)","v":"Managing credit use/borrowing/debt"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),4)","v":"YAs are not relying on high-cost, informal or illegal forms of credit"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),5)","v":"Does not use high-cost or informal borrowing"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),7)","v":"ASK ONLY IF UNDER 18:\nA) Thinking about the last six months, have you borrowed any money from a friend or family member?\nCHOOSE ONE ONLY\n1. Yes\n2. No\n4. Don't know\n\nASK IF YES at A)\nB) And did you have to pay interest on any of the money you borrowed? By paying interest we mean when you are asked to pay back more than you borrowed\nCHOOSE ONE ONLY\n1. Yes\n2. No\n4. Don't know\n\nASK ONLY IF 18 or OVER:\nA) Which, if any, of the following have you done in the last 6 months?\nCHOOSE ALL THAT APPLY\n1. Borrowed money from a friend or family member \n2. Borrowed money from somewhere else\n3. Neither of these\n4. Don't know\n\nONLY ASK IF OPTION 1 at A)\nB) Thinking about the money you have borrowed from friends or family in the last 6 months, did you have to pay interest on the amount you borrowed? By paying interest we mean [when you are asked to pay back more than you borrowed\nCHOOSE ONE ONLY\n1. Yes\n2. No\n3. Don't know\n\nONLY ASK IF OPTION 2 at A)\nC) Thinking about the money you have borrowed from somewhere else in the last 6 months, which, if any, of the following have you used?\nCHOOSE ALL THAT APPLY\n1. A payday loan\n2. A doorstep loan\n3. A credit card for people with a poor credit rating\n4. Something bought from a ‘rent-to-own’ store (e.g. BrightHouse)\n5. A loan from a pawnbroker\n6. A loan from an illegal lender\n7. Other/None of the above\n8. Don't know"},49]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),3)","v":"Managing credit use/borrowing/debt"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),4)","v":"YAs take steps to tackle debt  (e.g. have a plan to pay down debt, reduce the value of unsecured borrowing,  tackle problem debt)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),5)","v":"Has plans for paying down the amount of debt "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),7)","v":"ASK ONLY IF HAS SOME BORROWING\nHow much of a plan do you have about how you will pay off or reduce what you owe?\nCHOOSE ONE ONLY\n1. I do not have a plan\n2. I have a rough plan \n3. I have a clear plan\n4. I will not have to meet these costs\n5. Don't know"},50]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),3)","v":"Managing credit use/borrowing/debt"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),4)","v":"YAs take steps to tackle debt  (e.g. have a plan to pay down debt, reduce the value of unsecured borrowing,  tackle problem debt)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),5)","v":"Takes steps to tackle problem debt"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),7)","v":"ASK ONLY IF AGED 18+ AND HAS SOME BORROWING\nPRE-INTERVENTION: In the last [X months], which of the following steps have you taken to reduce the amount of money you owe? This includes any debts you haven’t paid or late/unpaid bills and credit commitments.\nPOST-INTERVENTION: Since [reference point], which of the following steps have you taken to reduce the amount of money you owe? This includes any debts you haven’t paid  or late/unpaid bills and credit commitments.\n\nCHOOSE ALL THAT APPLY\n1. Increased regular payments\n2. Paid a lump sum towards them\n3. Spoken to the company/companies the money is owed to\n4. Taken independent advice (e.g. from Citizen's Advice Bureau, StepChange, Money Advice Service)\n5. Consolidated loans or credit cards \n6. Set up a Debt Management Plan or Debt Payment Plan\n7. Arranged to write off some or all debts (e.g. applied for bankruptcy or a debt relief order, or set up an IVA or Trust Deed)\n8. Other (specify)\n9. None of these, but have debts\n10. I do not have any debts\n11. Don't know"},51]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),3)","v":"Managing credit use/borrowing/debt"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),4)","v":"YA who borrow from friends and family take steps to manage/repay these loans"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),5)","v":"Takes steps to repay borrowing from friends and family"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),7)","v":"Which, if any, of the following steps are you taking to pay off or reduce the money you owe to friends and family?\nCHOOSE ALL THAT APPLY\n1. Making regular payments\n2. Paying a large amount whenever I can\n3. Paying small amounts whenever I can\n4. None of these\n5. I do not owe friends or family any money\n6. Don't know"},52]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),3)","v":"Managing credit use/borrowing/debt"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),4)","v":"YA take steps to repay student loans"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),5)","v":"Takes steps to repay Student Loan Company Loans"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),7)","v":"ASK ONLY IF IS IN PAID WORK AND HAS A STUDENT LOAN FROM THE STUDENT LOANS COMPANY \nHow are you paying off the money you owe to the Student Loans Company?\nCHOOSE ALL THAT APPLY\n1. Compulsory payments are taken directly from my income\n2. Through regular voluntary overpayments\n3. Through occasional voluntary overpayments\n4. I am not earning enough to make repayments \n5. I do not need to pay until the next tax year\n6. I no longer have a loan from the Student Loans Company\n7. I did not take out a loan from the Student Loans Company\n8. Don't know "},53]

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[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Behaviour - Managing mobile phones"}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Managing mobile phones"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA manage their mobile phone use effectively"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"Keeps track of mobile phone"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"How closely do you keep track of the cost of using your mobile phone?\nCHOOSE ONE ONLY\n1. Very closely\n2. Fairly closely\n3. Not very closely\n4. Not closely at all\n5. I do not have a mobile phone\n7. Don't know "},54]

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[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Behaviour - Proactively seeking advice and guidance "}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Proactively seeking advice and guidance "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YAs actively seek advice and guidance\n(e.g. recency of seeking advice; regularity of using online information)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"Recent guidance and advice seeking "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"PRE: In the last [X months], which of these have you used for information or advice about money?\nPOST: Since [reference point] which of these have you used for information or advice about money?\n\nCHOOSE ALL THAT APPLY\n1. Family \n2. Friends\n3. Staff at you school/college/university\n4.  Youth worker, social worker, Personal Adviser, or community/faith worker\n5. Landlord, estate agent or housing officer\n6. Staff at a bank, building society or credit unions\n7. Accountant, broker or other financial adviser\n8. Solicitor or lawyer\n9. Staff at a Job Centre Plus, Benefits or Tax Office\n10. Staff at a free money advice agency (e.g. Money Advice Service, Citizens Advice, CAB, StepChange, National Debtline)\n11. An insolvency specialist or other person charging a fee\n12. Money advice websites (e.g. Money Saving Expert/Martin Lewis, moneysupermarket.com)\n13. Something else (specify)\n14. None of these\n15. Don't know"},55]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Proactively seeking advice and guidance "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YAs actively seek advice and guidance\n(e.g. recency of seeking advice; regularity of using online information)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"Regularly seeks advice and guidance online "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"How often in the last [six months] have you gone online for the following?\na) For information or advice on a financial product\nb) To compare financial products to find the best deal for you\n\nFor each statement: CHOOSE ONE ONLY\n1. Every day\n2. Every week\n3. Every few weeks\n4. Every few months\n5. Never \n6. Don’t know"},56]

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[]
[null,null,null,"Young Adults"]
[null,null,null,"Outcomes Framework"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Connection - Access to and use of financial products and advice"}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Access to and use of financial products and advice"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YAs have access to appropriate financial products which meet their needs via appropriate channels (e.g. types of banking products held)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"Types of banking products held"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"Which of the following types of everyday accounts do you have, if any, either in your own name or jointly with someone else? These might be held with a bank, building society, credit union or post office. \nCHOOSE ALL THAT APPLY\n1. Current account (usually offered with an overdraft facility, even if you don't want one)\n2. Basic Bank Account (normally without an overdraft facility)\n3. Post Office Card Account (for receiving your pension, benefits or tax credits) \n4. A saving deposit account (e.g. an instant access or notice account, including cash ISA)\n5. I have an account but I don't know which type\n6. None of these\n7. Don't know"},57]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Access to and use of financial products and advice"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YAs have access to appropriate financial products which meet their needs via appropriate channels (e.g. types of banking products held)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"Has access to and use a debit card linked to their current account"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"Does your bank account come with debit card? A debit card normally lets you to pay or things in shops and online and take out cash directly from your bank account.\nCHOOSE ONE ONLY\n1.Yes\n2. No\n3. I do not have a bank account \n3. Don't know\n\nASK ONLY IF HAS DEBIT CARD\nIn which of the following ways, if any, do you use you debit card?\nCHOOSE ALL THAT APPLY\n1. To pay for things in shops\n2. To pay for things online\n3. To get cash at a cash machine/ATM\n4. To get cash over the counter at a bank\n5. To get cash back from a shop\n6. To set up a regular payment to a company or person\n7. None of these\n8. Don't know"},58]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"Access to and use of financial products and advice"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YAs have the physical and technical ability to access appropriate products and advice \n(e.g. via appropriate channels, in a form and language they understand) "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"Has the physical ability to access appropriate financial products which meet their needs via appropriate channels"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"How easy or difficult is it for you to do each of the following things?\na) Get to a Cash point using your normal forms of transport\nb) Get to a Bank, building society or credit union using your normal forms of transport\nc) Get to a Post Office using your normal forms of transport\nd) Prove your identity using official documents (e.g. passport, identity card, driving licence, household bills) \ne) Receive confidential financial documents by post, such as a payment card or chequebook\n\nFor each statement: CHOOSE ONE ONLY\n1.Very easy\n2.Quite easy\n3.Quite difficult\n4.Very difficult\n5.Unable to do this\n6.Do not wish to do this\n7.Don't know"},59]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),3)","v":"Access to and use of financial products and advice"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),4)","v":"YAs have the physical and technical ability to access appropriate products and advice \n(e.g. via appropriate channels, in a form and language they understand) "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),5)","v":"Has the technical ability to access appropriate financial products which meet their needs via appropriate channels"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),7)","v":"In which of the following ways, if any, can you use the internet when you need to access information about financial products (such as bank accounts, credit cards or insurance)?\nCHOOSE ALL THAT APPLY\n1. At home, using a computer or laptop\n2. At home, using a mobile phone, tablet or internet-enabled TV\n3. At work, college or at a friend or relative's home\n4. In a library, community centre or other public setting\n5. Somewhere else\n6. Do not use the internet\n7. Don't know"},60]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),3)","v":"Access to and use of financial products and advice"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),4)","v":"YAs have the physical and technical ability to access appropriate products and advice \n(e.g. via appropriate channels, in a form and language they understand) "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),5)","v":"Has the technical ability to use the Internet"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),7)","v":"How would you rate your ability to use the Internet?\nCHOOSE ONE ONLY\n1. Excellent\n2. Good\n3. Fair\n4. Poor\n5. Bad\n6. Don’t know"},61]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),3)","v":"Access to and use of financial products and advice"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),4)","v":"YAs have the physical and technical ability to access appropriate products and advice \n(e.g. via appropriate channels, in a form and language they understand) "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),5)","v":"Has the physical ability to access financial advice, guidance and tools which meet their needs in a form and language they can understand, and channel they can use effectively"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),7)","v":"How easy or difficult is it for you to do each of the following things?\na) Get to a professional adviser for advice about money matters using your normal forms of transport\nb) Get to a Jobcentre Plus or local benefit office using your normal forms of transport\nc) Use a telephone in private to discuss money matters\nd) Receive confidential financial information by post\n\nFor each statement: CHOOSE ONE ONLY\n1.Very easy\n2.Quite easy\n3.Quite difficult\n4.Very difficult\n5.Unable to do this\n6.Do not wish to do this\n7.Don't know"},62]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),3)","v":"Access to and use of financial products and advice"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),4)","v":"YAs have the physical and technical ability to access appropriate products and advice \n(e.g. via appropriate channels, in a form and language they understand) "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),5)","v":"Has the technical ability to access financial advice, guidance and tools which meet their needs in a form and language they can understand, and channel they can use effectively"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),7)","v":"In which of the following ways, if any, can you use the internet when you need to access information about money or your finances?\nCHOOSE ALL THAT APPLY\n1. At home, using a computer or laptop\n2. At home, using a mobile phone, tablet or internet-enabled TV\n3. At work, college or at a friend or relative's home\n4. In a library, community centre or other public setting\n5. Somewhere else\n6. Do not use the internet\n7. Don't know"},63]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),3)","v":"Access to and use of financial products and advice"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),4)","v":"YAs receive advice and guidance from their family, teachers and other sources (e.g. around money, career and education options, and financing FE)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),5)","v":"Receive money advice and guidance from their family, teachers and other appropriate sources around money"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),7)","v":"How often do the following people talk to you about money?\na) Your parents or carers\nb) Staff at your school/college/university\nc) Other professionals (e.g. youth workers, work colleagues)\n\nFor each statement: CHOOSE ONE ONLY\n1. Never\n2. Rarely\n3. Sometimes\n4. Often\n5. Don't know"},64]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F18,Questions!$D$3:$D$191,0),3)","v":"Access to and use of financial products and advice"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F18,Questions!$D$3:$D$191,0),4)","v":"YAs receive advice and guidance from their family, teachers and other sources (e.g. around money, career and education options, and financing FE)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F18,Questions!$D$3:$D$191,0),5)","v":"Receive advice and guidance from their family, teachers and other appropriate sources on their education and career options"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F18,Questions!$D$3:$D$191,0),7)","v":"How confident are you that you know who to turn to for advice about education and careers?\nCHOOSE ONE ONLY\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n5. Don't know\n\nWhich of the following people have given you advice about your education, training and career options. \nCHOOSE ALL THAT APPLY\n1. Parents or carers\n2. Other family members\n3. Friends\n4. A careers adviser or careers teacher at school/college/university\n5. Other teachers at school/college/university\n6. Other adults (e.g. youth workers, work colleagues)\n7. A careers adviser outside school/college/university \n8. Someone else (specify)\n9. No-one\n10. Don't know"},65]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F19,Questions!$D$3:$D$191,0),3)","v":"Access to and use of financial products and advice"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F19,Questions!$D$3:$D$191,0),4)","v":"YAs receive advice and guidance from their family, teachers and other sources (e.g. around money, career and education options, and financing FE)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F19,Questions!$D$3:$D$191,0),5)","v":"Know where to go for advice and guidance on finance options to fund further education (14-16)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F19,Questions!$D$3:$D$191,0),7)","v":"If you needed advice and information about the different options for paying for education in the future where would you go?\nCHOOSE ALL THAT APPLY\n1. Parents or carers\n2. Friends\n3. Other family members\n4. Staff at your school/college/university\n5. Other adults (e.g. youth workers, work colleagues)\n6. Online (e.g. YouTube, Money Saving Expert)\n7. A bank, building society or other financial organisation\n8. TV programmes\n9. Somewhere else (specify)\n10. I would not ask for advice about paying for education\n11. Don't know"},66]

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[]
[null,null,null,"Young Adults"]
[null,null,null,"Outcomes Framework"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Connection - Exposure to family/peer finances"}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Exposure to family/peer finances"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YAs witness financial transactions and processes (e.g. awareness of the range of bills to be paid)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"Aware of the range of regular household bills to be paid (e.g. rent/mortgage, gas, electricity, council tax)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"ASK ONLY IF LIVING WITH PARENTS/CARERS  OR IN A CARE SETTING\nWhich of the following things do people normally pay for, and which are normally free?\na) Rent\nb) Electricity at home\nc) Water at home\nd) Visits to a GP or hospital\ne) Council Tax [Rates]\nf) Internet/broadband at home\ng) Borrowing a library book\n\nFor each statement: CHOOSE ONE ONLY\n1. Pay for\n2. Get for free\n3. Don't know"},67]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Exposure to family/peer finances"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YA have access to money guidance from family/guardians/carers"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"Find it easy to access money guidance from family"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"Imagine you needed advice about your money. How easy or difficult would you find it to ask a parent or carer or other family member for advice?\nCHOOSE ONE ONLY\n1.Very easy\n2.Quite easy\n3.Quite difficult\n4.Very difficult\n5. I would not ask a parent/carer or other family member for advice\n6.Don't know"},69]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"Exposure to family/peer finances"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YA do not over-rely on family/guardians/carers to help them manage their money"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"Does not over-rely on family support to manage their money"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"Which if any of the following people help you manage your money day to day?\nCHOOSE ALL THAT APPLY\n1. My parents or carers\n2. My partner\n3. My friends\n4. Someone else\n5. No-one else, just me\n6. I do not have money of my own"},70]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),3)","v":"Exposure to family/peer finances"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),4)","v":"Exposure to family/peer finances"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),5)","v":"Responsible for managing household finances"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),7)","v":"Overall, who is mainly responsible for making sure that household bills and other payments get paid? This is the person who makes sure it happens, not necessarily the person whose money it is.\nCHOOSE ALL THAT APPLY\n1. My parents or carers\n2. My partner\n3. My friends\n4. Someone else\n5. No-one else, just me\n6. I do not have money of my own"},71]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),3)","v":"Exposure to family/peer finances"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),4)","v":"YA do not rely on money guidance from peers"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),5)","v":"Does not only rely on money guidance from friends"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),7)","v":"How much are you influenced by advice and information about money from your friends?\nCHOOSE ONE ONLY\n1. A lot\n2. A little\n3. Not very much\n4. Not at all\n5. My friends do not give me advice or information about money\n6. Don't know"},72]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),3)","v":"Exposure to family/peer finances"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),4)","v":"YAs are involved in discussions and decisions about household spending\n(e.g. around the weekly shop)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),5)","v":"Involved in everyday household spending decisions\n"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),7)","v":"ASK ONLY IF LIVING WITH PARENTS/CARERS OR IN A CARE SETTING\nDo you get to help choose the following?\n- Family days out or holidays \n- What to buy in the weekly food shop\n\nFor each statement: CHOOSE ONE ONLY\n1. Yes\n2. No\n3. Don't know"},73]

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[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Connection - Experience of managing your own money (and the risks that come with it)"}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Experience of managing your own money (and the risks that come with it)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YAs have their own regular source of money \n(e.g. from an allowance, or job or student maintenance loan)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"Has a regular source of income"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"Which of the following are your regular sources of income? \nCHOOSE ALL THAT APPLY\n1. Work or a part-time job (including apprenticeships) \n2. Benefits payments (e.g. Universal Credit, Job Seekers Allowance)\n3. Allowance or pocket money from parents, carers or other family members\n4. Student maintenance loan\n5. Any other type of borrowing (e.g. loans, overdrafts, credit cards, or from friends and family)\n6. By selling things online or somewhere else\n7. Any other source\n9. I do not have any regular income\n10. Don't know"},74]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Experience of managing your own money (and the risks that come with it)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YAs have responsibility for managing their own money \n(e.g. looking after their money, decisions around spending and saving, responsibility for paying for things from their own money)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"Decide how to spend their money"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"ASK ONLY IF LIVING WITH PARENTS/CARERS OR IN A CARE SETTING\nCan you spend your own money without the permission of your parents or carers? \nCHOOSE ONE ONLY\n1. Yes\n2. No\n3. I don't have money of my own\n4. Don't know\n\nASK ONLY IF LIVING WITH PARENTS OR CARE SETTING\nDo your parents or carers control the amount of money you spend?\nCHOOSE ONE ONLY\n1. Yes\n2. No\n3. I don't have money of my own\n4. Don't know"},75]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"Experience of managing your own money (and the risks that come with it)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YAs are given experience of choosing their own financial products (e.g. (help) choose and set up a savings account, mobile phone providers and package)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"Choose and set up their own current and savings accounts or have been involved in the decision-making"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"How involved are you in the following decisions about your money? \n- Choosing my bank or savings account\n\nCHOOSE ONE ONLY\n1. Fully involved \n2. Partly involved \n3. Not at all involved\n4. Do not have a bank or savings account\n5. Don't know"},76]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),3)","v":"Experience of managing your own money (and the risks that come with it)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),4)","v":"YAs are given experience of choosing their own financial products (e.g. (help) choose and set up a savings account, mobile phone providers and package)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),5)","v":"Choose and set up their own mobile phone provider and package (if they own a mobile phone)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),7)","v":"How involved are you in the following decisions about your money? \n- The cost of your mobile phone call and data package \n\nCHOOSE ONE ONLY\n1. Fully involved \n2. Partly involved \n3. Not at all involved\n4. Do not have a bank or savings account\n5. Don't know"},77]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),3)","v":"Experience of managing your own money (and the risks that come with it)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),4)","v":"YAs have experience of paying for goods and activities without supervision (e.g. including online/app payments)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),5)","v":"Pay for things online (such as apps, games or music) without supervision"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),7)","v":"Have you ever paid for something online by yourself?\nCHOOSE ONE ONLY\n1. Yes, often\n2. Yes, once or twice\n3. No, never\n4. Don't know"},78]

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[]
[null,null,null,"Young Adults"]
[null,null,null,"Outcomes Framework"]
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[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Mindset - Attitudes to money management (mm awareness)"}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Attitudes to money management (mm awareness)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA believe it's important to manage your money well and think carefully about how you spend it"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"YA believe it is important to keep track of their money"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"At the moment, how important do you think it is to keep track of how much money you have?\nCHOOSE ONE ONLY\n1.Very important\n2.Quite important\n3. Neither important nor unimportant\n4. Not very important\n5. Not at all important\n6. Don’t know"},79]

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[null,null,null,"Young Adults"]
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[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Mindset - Attitudes to money management (saving vs spending/prioritising)"}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Attitudes to money management (saving vs spending/prioritising)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA believe it's important to manage your money well and think carefully about how you spend it"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"YA think it's important to shop around for things that they need and look for the best deals in order to make their money go further"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"How important do you think it is to shop around when making a purchase?\nCHOOSE ONE ONLY\n1.Very important\n2.Quite important\n3. Neither important nor unimportant\n4. Not very important\n5. Not at all important\n6. Don’t know"},80]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Attitudes to money management (saving vs spending/prioritising)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YA believe it's important to manage your money well and think carefully about how you spend it"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"YA think it's important to shop around for things that they need and look for the best deals in order to make their money go further"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"A) Imagine you want to buy something new. What are you most likely to do?' \nCHOOSE ONE ONLY\n1. Buy the item from the first shop I look in/first website I click on\n2. Look around a few different shops/websites to see where it is cheapest\n3. Look to see if I can find a discount or promotional code that applies\n4. Something else (specify)\n5. Don't know\n\nB) How can you make sure you get a good deal when buying something?\nCHOOSE ALL THAT APPLY\n1. Buy the first thing you see\n2. Compare prices in different shops or online\n3. Buy second hand\n4. Buy non-branded goods\n5. Only buy the things you really need\n6. Wait for things you want to go on sale\n7. Look for a discount or promotional code\n8. Get someone else to buy it for you\n9.Don't know"},81]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"Attitudes to money management (saving vs spending/prioritising)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YA believe it's important to manage your money well and think carefully about how you spend it"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"YA think it is important to switch suppliers"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"And how much do you agree or disagree with the following statement?\n - There's no point switching things like insurance, mobile phone contracts or bank accounts, it's not worth the hassle\n\nCHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know"},82]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),3)","v":"Attitudes to money management (saving vs spending/prioritising)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),4)","v":"YA think it's good to plan for the future and save up for things"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),5)","v":"YA prefer to plan for the future rather than live for the day when it comes to their money"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),7)","v":"Here are some statements about managing money. Please tell me how strongly you agree or disagree with them.\na) I hate to borrow – I would much rather save up in advance\nb)  When it comes to money I prefer to live for today rather than plan for the future\n\nCHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know"},83]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),3)","v":"Attitudes to money management (saving vs spending/prioritising)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),4)","v":"YA think it's good to plan for the future and save up for things"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),5)","v":"YA think that saving money for larger purchases is important for them to do "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),7)","v":"Imagine you want to buy something expensive which you can't afford right away. How would you most likely get the money?\nCHOOSE ONE ONLY\n1. I would borrow money from my friends or family\n2. My parent(s) /carer(s) would pay for it\n3. Someone else would pay for it\n4. I would save some money every week or month for it\n5. I would go overdrawn, use my credit card or take out a loan\n6. I would just not buy it\n7. Some other way (specify)\n8. Don't know"},84]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),3)","v":"Attitudes to money management (saving vs spending/prioritising)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),4)","v":"YA think it's good to plan for the future and save up for larger purchases/future needs (as opposed to living just for the day). Preference for savings vs borrowing"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),5)","v":"YA think it's important for them to save for the future "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),7)","v":"At the moment, how important do you think it is for you to save up your money for the future in general?\nCHOOSE ONE ONLY\n1.Very important\n2.Quite important\n3. Neither important nor unimportant\n4. Not very important\n5. Not at all important\n6. Don’t know"},85]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),3)","v":"Attitudes to money management (saving vs spending/prioritising)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),4)","v":"YA think it's good to plan for the future and save up for larger purchases/future needs (as opposed to living just for the day). Preference for savings vs borrowing"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),5)","v":"YA understand that money should not be spent just because you have it"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),7)","v":"A) Imagine someone gives you £50. How much would you spend straight away?   \nB) Now imagine someone gives you £150. How much would you spend straight away?  \nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. All of it\n2. More than half\n3. About half\n4. Less than half \n5. None of it\n6. Don't know \n\nC) If you have money left over at the end of the week or month, do you save or spend it?\nCHOOSE ONE ONLY\n1. Save it\n2. Spend it\n3. A bit of both\n4. I never have any money left over\n5. I don't have money of my own\n6. Don't know"},86]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),3)","v":"Attitudes to money management (saving vs spending/prioritising)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),4)","v":"YA accept that they cannot have everything they want and that everyone has to make trade-offs with their money"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),5)","v":"YA are able to abstain from/delay spending in order to live within their means and save for the future"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),7)","v":"How much do you agree or disagree with each of the following statements?  \n a) I tend to buy things even when I can’t really afford them\nb)  I tend to live for today and let the future take care of itself  \nc)  I find it more satisfying to spend money than to save it for the long term \n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Strongly agree\n2. Slightly agree\n3. Slightly disagree\n4. Strongly disagree\n5. Don’t know"},87]

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[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Mindset - Attitudes to money management (borrowing/credit/debt aversion)"}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Attitudes to money management (borrowing/credit/debt aversion)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA have a cautious attitude to borrowing and debt, think about the consequences of this, and accept that they cannot have everything they want"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"YA believe it is important to think about the potential consequences of borrowing money including the impact if they can't pay it back "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"Which one of the following best describes how you feel about borrowing money?\nCHOOSE ONE ONLY\n1. I'd rather not borrow money\n2. Borrowing money is OK, but only if I can pay it back\n3. Borrowing money is OK, even if I I'm not sure if I can afford to pay it back\n4. Don't know"},88]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Attitudes to money management (borrowing/credit/debt aversion)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YA have a cautious attitude to borrowing and debt, think about the consequences of this, and accept that they cannot have everything they want"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"YA don't regularly ask other people for things they want but cannot afford to buy with their own money "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"A) How often do you ask your parents or someone else to pay for things you want but don’t really need?\nCHOOSE ONE ONLY\n1. Often\n2. From time to time\n3. Rarely\n4. Never\n5. Don’t know\n\nB) How much do you agree or disagree with the following statement \"I  feel frustrated if my parents or someone else can't or won't pay for things  I ask for\"\nCHOOSE ONE ONLY\n1. Strongly agree\n2. Slightly agree\n3. Slightly disagree \n4. Strongly disagree\n5. Don't know"},89]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"Attitudes to money management (borrowing/credit/debt aversion)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YA have a cautious attitude to borrowing and debt, think about the consequences of this, and accept that they cannot have everything they want"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"YA prefer to avoid borrowing for discretionary/aspirational purposes"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"Imagine the following situation. A friend has arranged a trip for a group of close friends which will cost £150 each. You really want to go but don’t have the money or time to save up. What would you do in this situation? \nCHOOSE ONE ONLY\n1. Borrow money from family or friends\n2. Get someone else to pay for it,  such as family or friends \n3. Use an overdraft \n4. Use my credit card \n5. Borrow in some other way \n6. Decide not to go\n7. Something else (please write in)\n8. Don't know"},90]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),3)","v":"Attitudes to money management (borrowing/credit/debt aversion)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),4)","v":"YA believe that SLC student loans should not be a barrier to higher education"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),5)","v":"YA believe that SLC student loans should not be a barrier to higher education"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),7)","v":"ASK IF AT UNIVERSITY\nHow much do you agree or disagree with each of the following statements?\n1. Borrowing money to pay for a university or college education is a good investment\n2. Student loans are a cheap and tax efficient way to borrow money\n3. I am worried about the debts I am building up while at university  or college\n\nASK IF STILL AT SCHOOL AND NEVER BEEN TO UNIVERSITY\nHow much do you agree or disagree with each of the following statements?\n1. Borrowing money to pay for a university or college education is a good investment\n2. Student loans are a cheap and tax efficient way to borrow money\n3.  The amount of debt I might get into puts me off going to university or college\n\nCHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know"},91]

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[null,null,null,"Young Adults"]
[null,null,null,"Outcomes Framework"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Mindset - Attitudes to money management (seeking advice)"}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Attitudes to money management (seeking advice)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA understand the value of (financial?) advice and believe it can help them"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"YA understand the value of money advice and believe it can help them"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"A) How likely are you to take advice about dealing with money issues from an expert who is trained to offer such advice? This could be online, by telephone or face-to-face.\nCHOOSE ONE ONLY\n1. Very likely\n2. Fairly likely\n3. Fairly unlikely\n4. Very unlikely\n5. Don’t know\n\nB) How much do you agree or disagree with the following statements?  \na) - 'Asking for money advice seems  daunting' \nb) - ' I would make better decisions about money with the help of advice'\nc) - 'I would feel too embarrassed to seek professional advice about money issues'\nd) - 'When it comes to money advice I don't know where to start' \ne) - 'I can sort out my own money issues, without seeking professional help\"\nf) - 'When it comes to choosing things like bank accounts and insurance,  there is not enough trustworthy information out there'\n\nCHOOSE ONE ONLY\n1. Very likely\n2. Fairly likely\n3. Fairly unlikely\n4. Very unlikely\n5. Don’t know\n6. This does not apply to me"},92]

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[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Mindset - Financial confidence"}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Financial confidence"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA feel confident and in control of their financial situation"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"YA feel confident to manage their own money "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"How confident do you feel managing your own money? \nCHOOSE ONE ONLY\n1. Very confident \n2. Fairly confident \n3. Not very confident \n4. Not at all confident\n5. Don't know"},93]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Financial confidence"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YA feel confident and in control of their financial situation"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"YA feel in control of their financial situation\n"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"How much do you agree or disagree with each of the following statements?  \n  - I feel in control of my finances\n\nCHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know"},94]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"Financial confidence"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YA feel confident and in control of their financial situation"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"YA feel  confident that their approach to keeping track works"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"How well do you think you manage to keep track of your income and spending? \nCHOOSE ONE ONLY\n1. Very well\n2. Quite well\n3. Not very well\n4. Not at all well\n5. I don't have any money of my own\n6. Don’t Know"},95]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),3)","v":"Financial confidence"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),4)","v":"YA feel confident and in control of their financial situation"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),5)","v":"YA believe that they can influence and improve their own financial situation (now and in adulthood) through the choices they make "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),7)","v":"How much do you agree or disagree with the following statement?\n- 'Nothing I do will make much difference to my money situation'\n\nCHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know"},96]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),3)","v":"Financial confidence"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),4)","v":"YA feel confident talking to financial services professionals and choosing financial products"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),5)","v":"YA feel confident talking to professionals about money "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),7)","v":"If you needed to, how confident would you feel talking to people who can give you advice about money.  This could be online, by telephone or face-to-face.\nCHOOSE ONE ONLY\n1. Very confident \n2. Fairly confident \n3. Not very confident \n4. Not at all confident\n5. Don't know"},97]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),3)","v":"Financial confidence"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),4)","v":"YA feel confident talking to financial services professionals and choosing financial products"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),5)","v":"YA feel confident dealing with companies and making purchases "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),7)","v":"How confident would you be in the following situations?\na) Talking to staff at a bank.?\nb) Opening a new bank account?\nc) Taking out an insurance policy?\nd) Finding out what an insurance policy covers?\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n5. Don’t know "},98]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),3)","v":"Financial confidence"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),4)","v":"YA feel confident talking to financial services professionals and choosing financial products"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),5)","v":"YA feel confident making decisions about pensions"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),7)","v":"ASK ONLY IF IN PAID WORK\nHow much do you agree or disagree with each of the following statements?  \na)  I know enough about pensions to decide with confidence  how to save for my retirement \nb)  Sometimes pensions seem so complicated that I cannot really understand the best thing to do \nc) Dealing with pensions scares me \n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know"},99]

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[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Mindset - Self-controlled spending"}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Self-controlled spending"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA do not buy things on impulse/can resist pressure to spend"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"YA does not buy things on impulse"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"How much would you say the following statement applies to you personally? \n- I often buy things on impulse\n\n0 does not sound like me\n...\n10 sounds a lot like me\nDon't know\n"},100]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Self-controlled spending"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YA do not buy things on impulse/can resist pressure to spend"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"YA is able to resist pressure to spend"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"How much would you say the following statement applies to you personally?\n- I feel under pressure to spend like my friends even when I can’t afford it.\n\n0 does not sound like me\n...\n10 sounds a lot like me\nDon't know"},101]

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[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Mindset - Money and values"}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Money and values"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA do not value themselves or others by their material possessions"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"YA do not think that their possessions/ability to afford experiences  are the most important thing about them "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"How important are each of the following to you? \na) Being popular among your friends\nb) Being able to afford to have days or evenings out or trips with friends\nc) Doing well in your studies or job\nd) Being viewed as cool or attractive\ne) Being able to buy new clothes or shoes when you want them\nf) Being good at managing your money\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Not very important\n5. Not at all important\n6. Don’t know "},102]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Money and values"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YA do not value themselves or others by their material possessions"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"YA do not think that their possessions/ability to afford experiences  are the most important thing about them "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"How much do you agree or disagree with each of the following statements?  \na) It’s important to be cool\nb) The brand name is the most important thing when buying things like clothes \nc) I like to have the most up-to-date phone available\nd) You can judge a person by the things they own such as their phone, clothes\ne) I worry about missing out if I can't always accept invitations to go out with friends\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know"},103]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"Money and values"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YA have a cautious attitude to risk (e.g. their general risk tolerance; also attitudes towards risky income sources) "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"YA have a cautious attitude to risk"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"How much do you agree or disagree with each of the following statements?  \n- I get bored easily\n- I like taking risks\n- I tend to act without stopping to think\n- I tend to live for today and let tomorrow take care of itself\n- I can easily be persuaded to go along with the plans of others\n - I would be prepared  to occasionally bend the rules if everyone else is\n- I sometimes find it hard to  say no even if I don’t think something is right\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know"},104]

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[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Mindset - Goal-setting and planning"}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Goal-setting and planning"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA aspire to be good at managing their money"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"YA want to be good at managing their money "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"How important are each of the following to you? \na) Being popular among your friends\nb) Being able to afford to have days or evenings out or trips with friends\nc) Doing well in your studies or job\nd) Being viewed as cool or attractive\ne) Being able to buy new clothes or shoes when you want them\nf) Being good at managing your money\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Not very important\n5. Not at all important\n6. Don’t know"},105]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Goal-setting and planning"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YA have educational and career goals"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"YA  have goals around the education, qualifications and careers  they want to achieve "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"Which, if any, of the following goals would you like to achieve within the next 3 years?\nCHOOSE ALL THAT APPLY\n1. Stay in education/further study/get a qualification\n2. Go travelling/go on holiday\n3. Get a job/get a new job/progress in my career\n4. Rely less on my parents/carers for money \n5. Move out of parental home/get my own home\n6. Get my own car\n7. Do well in sports, music or the arts \n8. Get married /civil partnership/move in with a partner\n9. Have children/raise a family\n10. Something else (please write in)\n11 .Nothing, I have no goals for the next 3 years\n12. Don't know "},106]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"Goal-setting and planning"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YA have educational and career goals"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"YA  have goals around their career future"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"Do you have any idea what job you would ideally like to be doing or working towards in 5 years time? \nCHOOSE ONE ONLY\n1. Yes - I know exactly what I want to do \n2. Yes - I have some ideas or goals  but I am not 100% decided\n3. No - I do not have any ideas or goals just yet"},107]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),3)","v":"Goal-setting and planning"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),4)","v":"YA have financial goals (e.g. financial independence, savings goals)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),5)","v":"YA aspire to earn their own money as adults rather than rely on others for money"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),7)","v":"Thinking about your future, how important are each of the following things to you ?\na) Earning your own money\nb) Being completely independent when it comes to money\n\nFOR EACH STATEMENT, CHOOSE ONLY \n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Not very important\n5. Not at all important\n6. Don’t know"},108]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),3)","v":"Goal-setting and planning"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),4)","v":"YA have financial goals (e.g. financial independence, savings goals)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),5)","v":"YA have a plan for saving up a certain amount of money so that they can pay for something that they want themselves (they have a savings goal) "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),7)","v":"A) Do you save money in a savings account or anywhere else? This might include putting it in a bank account, putting it away in a drawer or money box or giving it to someone to look after for you. Please choose one answer.\nCHOOSE ONE ONLY\n1. Yes, I save occasionally\n2. Yes, I save regularly\n3. No\n\nASK IF ANSWERED CODE 1 OR 2 AT A)\nB) People save for different reasons. Which of these statements best describes why you save? \nCHOOSE ONE ONLY\n1. I’m saving because my parents or carers say it’s a good idea\n2. I’m saving up for something specific\n3. I’m saving because I want to but not towards anything in particular 4. I’m only saving because my parents or carers insist that I do"},109]

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[null,null,null,"Outcomes Framework"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Mindset - General mindset (not finance specific)"}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"General mindset (not finance specific)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA have self-esteem/sense of their own worth"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"YA have high self-esteem"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"A) How much would you say the following statement is true?\n- I have high self-esteem\n\n0 Not very true of me\n...\n10 Very true of me\nDon't know\n\nB)  How much do you agree or disagree with the following statements?\na) I feel that I have a number of good qualities.     \nb) I am able to do things as well as most other people.     \nc) I feel I do not have much to be proud of.     \nd) I take a positive attitude toward myself.     \ne) On the whole, I am satisfied with myself.     \nf) I wish I could have more respect for myself.     \ng) I certainly feel useless at times.     \n\nFOR EACH STATEMENT, CHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know"},110]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"General mindset (not finance specific)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YA display self-control/self-regulation"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"YA show display self-control"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"How accurately do the following statements describe you?\na) 'I often get into arguments with other people'\nb) 'I get angry quickly'\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. A lot like me \n2. Mostly like me \n3. Somewhat like me \n4. Not much like me \n5. Not at all like me\nDon't know"},111]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"General mindset (not finance specific)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YA display self-control/self-regulation"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"YA displays perseverance"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"How accurately do each of the following statements describe you?\na) 'Setbacks don’t discourage me'. \nb) 'I finish whatever I begin'. \nc) 'I persist  with a task whether it is difficult or not'. \n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. A lot like me \n2. Mostly like me \n3. Somewhat like me \n4. Not much like me \n5. Not at all like me\nDon't know"},112]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),3)","v":"General mindset (not finance specific)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),4)","v":"YA have self-efficacy (can improve their abilities through personal effort)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),5)","v":"YA believe they can improve their abilities through personal effort"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),7)","v":"How much do you agree or disagree with the following \nstatements?\n a) When negative things happen to me it is usually not my fault\n b) I feel I have limited control over the decisions that affect my future\n c) I can solve most problems if I make the necessary effort.\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know"},113]

{"sheet":"M10","index":30,"n_rows":10,"n_cols":6,"rows_kept":10,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,null,"Young Adults"]
[null,null,null,"Outcomes Framework"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Mindset - Financial engagement"}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Financial engagement"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"Extent of engagement with finances "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"YA engage with their finances "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"How much do you agree or disagree with the following  statements? \na) \"I prefer to live for today and let the future take care of itself\" \nb) \"I am too busy to sort out my finances at the moment\"\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know"},114]

{"sheet":"M11","index":31,"n_rows":13,"n_cols":6,"rows_kept":13,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,null,"Young Adults"]
[null,null,null,"Outcomes Framework"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),2)&IF(B11=0,\"\",\" - \"&B11)","v":"Mindset - Willing to talk openly and honestly about money with friends, family and other adults"}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Willing to talk openly and honestly about money with friends, family and other adults"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA feel comfortable talking openly about money with friends and family and other adults "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"YA feel comfortable talking openly about money with friends and family "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"How much do you agree or disagree with each of the following statements?  \na) I would be too embarrassed to discuss my financial situation with my family  \nb) I would talk to family  before making an important financial decision\nc) When it comes to money, the advice of my friends is important to me \n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know"},115]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Willing to talk openly and honestly about money with friends, family and other adults"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YA feel comfortable talking openly about money with friends and family and other adults "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"YA feel comfortable talking openly about money with friends and family and other adults"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"Do you talk about money with any of the following people?\nCHOOSE ALL THAT APPLY\n1. Friends\n2. Family, parents or carers\n3. My brothers and sisters\n4. Grandparents or other family members\n5. Staff at your school/college/university\n6.Work colleagues\n7.  Youth worker, social worker, Personal Advisor, or community/faith worker\n8. None of these\nDon't know"},116]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"Willing to talk openly and honestly about money with friends, family and other adults"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YA feel comfortable talking openly about money with friends and family and other adults "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"YA trust in people whose role it is to provide advice"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"How much would you trust the following if they were to give you information, advice or guidance about money?\na) Staff at your school/college/ university\nb) Youth workers\nc) Staff working at banks or other financial institutions\nd) Organisations that offer free money advice to young people\n\nFOR EACH TYPE OF PROFESSIONAL CHOOSE ONE ONLY\n1. I would trust a lot\n2. I would trust a little\n3. I would not trust at all\n4. Don’t know"},117]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),3)","v":"Willing to talk openly and honestly about money with friends, family and other adults"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),4)","v":"YA feel comfortable talking openly about money with friends and family and other adults "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),5)","v":"YAS believe that banks are trustworthy"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),7)","v":"How much would you trust the following if they were to give you information, advice or guidance about money?\na) Staff at your school/college/ university\nb) Youth workers\nc) Staff working at banks or other financial institutions\nd) Organisations that offer free money advice to young people\n\nFOR EACH TYPE OF PROFESSIONAL CHOOSE ONE ONLY\n1. I would trust a lot\n2. I would trust a little\n3. I would not trust at all\n4. Don’t know "},118]

{"sheet":"M12","index":32,"n_rows":11,"n_cols":6,"rows_kept":11,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,null,"Young Adults"]
[null,null,null,"Outcomes Framework"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Mindset - Norms"}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Norms"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA are not influenced by perceived norms around money management"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"YAS believe that most people borrow at manageable levels \n"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"How much do you agree or disagree with each of the following statements?  \na) It is OK to be in debt if you can pay it off  \nb) Most people my age spend beyond their means\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n6. Don’t know "},119]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Norms"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YA are not influenced by perceived norms around money management"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"YAS believe that most people pay their bills and credit commitments when they first come due"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"How much do you agree or disagree with each of the following statements?  \na) Most people get behind on their bills or payments from time to time\nb) It's ok to get behind on bills or payments as this is the only way to get by\n \nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know "},120]

{"sheet":"M13","index":33,"n_rows":12,"n_cols":6,"rows_kept":12,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,null,"Young Adults"]
[null,null,null,"Outcomes Framework"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Mindset - Attitudes to the future/adaptability"}]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Attitudes to the future/adaptability"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"Willingness to adjust non-essential spending"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"YA are willing to adjust non-essential spending"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"A) How much would you say the following statement sounds like you?\n - I am prepared to adjust the amount of money I spend on non-essentials if my life changes: \n\n0 (does not sound like me at all) \n...\n10 (sounds a lot like me)\nDon't know"},121]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Attitudes to the future/adaptability"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"Preference for saving for the future versus spending now"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"YA have a preference for saving for the future vs spending now"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"How much do you agree or disagree with each of the following statements?  \na) I tend to buy things even when I can’t really afford them\nb)  I tend to live for today and let the future take care of itself  \nc)  I find it more satisfying to spend money than to save it for the long term \n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Strongly agree\n2. Slightly agree\n3. Slightly disagree\n4. Strongly disagree\n5. Don’t know"},122]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"Attitudes to the future/adaptability"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YA recognise the importance of future financial needs in retirement"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"YA feel it is important to put money aside for retirement"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"How important do you think it is to put money aside, either now or in the future,  for when you retire?\nCHOOSE ONE ONLY\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Not very important\n5. Not at all important\n6. Don’t know"},123]

{"sheet":"A1","index":34,"n_rows":17,"n_cols":6,"rows_kept":17,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,null,"Young Adults"]
[null,null,null,"Outcomes Framework"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Ability - Understanding financial products"}]
[null,"Please select the first question for each indicator"]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Understanding financial products"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA know what current accounts are, how they work and the benefits of having them "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"Know how a current account works"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"How knowledgeable do you feel about the following ?  \n- how a current account works\n\nCHOOSE ONE ONLY\n1. I know a lot\n2. I know a little\n3. I don’t know much about this\n4. I know nothing about this\n5. Don't know"},124]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Understanding financial products"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YA know what current accounts are, how they work and the benefits of having them "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"Know how to use their current account"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"Which of the following do you do with your current account?\nCHOOSE ALL THAT APPLY\n1. Put money in\n2. Take money out \n3. Check my bank balance at a branch or ATM\n4. Use a debit card (including contactless)\n5. Use an overdraft (if aged 18+)\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. None of these, but I do have a current account\n9. I do not have a current account\n10. Don't know"},125]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"Understanding financial products"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YA are aware of the different types of savings products available and are aware of the pros and cons of each "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"Aware of the different types of savings products available and are using them"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"Which of the following savings accounts have you heard of?\nCHOOSE ALL THAT APPLY\n1. Fixed-term savings \n2. Instant access savings\n3. Fixed-term bonds\n4. National Savings Certificates\n3. Help to Save\n4. Cash ISA\n5. Investment ISA\n6. Lifetime ISA (LISA), for first time buyers or retirement\n7. Child Trust Fund\n8. None of these\n9. Don't know\n\nAnd which of the following do you have in your own name?\nCHOOSE ALL THAT APPLY\n1. Fixed-term savings \n2. Instant access savings\n3. Fixed-term bonds\n4. National Savings Certificates\n3. Help to Save\n4. Cash ISA\n5. Investment ISA\n6. Lifetime ISA (LISA), for first time buyers or retirement\n7. Child Trust Fund\n8. None of these\n9. Don't know"},126]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),3)","v":"Understanding financial products"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),4)","v":"YA are aware of the different types of savings products available and are aware of the pros and cons of each "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),5)","v":"Aware of the different types of savings products available and the benefits of using them"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),7)","v":"A) How knowledgeable do you feel about the following?  \n- how a savings account works\n- how a credit union account works\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. I know a lot\n2. I know a little\n3. I don’t know much about this\n4. I know nothing about this\n5. Don't know\n\nB) Which of the following statements do you think are true, and which are false? \n- Gaining interest on savings is a way of making your money grow\n- All banks have to give you the same level of interest on your savings\n- Current accounts are usually used for day-to-day banking when you want to get money in and out easily\n- Savings accounts usually give you higher rates of interest than current accounts\n- You cannot take money out of a fixed-term bond even if you really needed to\n- You might get a higher level of interest on a savings account if you  put in money every month\n- ISAs and junior ISAs are a type of savings account where do not have to pay tax on interest earned\n\nFor each statement: CHOOSE ONE ONLY\n1. True\n2. False\n3. Don't know"},127]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),3)","v":"Understanding financial products"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),4)","v":"YA understand how financial products work"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),5)","v":"Know what insurance is for"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),7)","v":"Which of the following is a reason why someone would buy home insurance?\nCHOOSE ONE ONLY:\n1. To cover the cost if they lose something\n2. To cover the cost of their electricity bill\n3. To protect them if they lose their job\n4. To cover the cost if they break or damage something\n5. To cover the cost if their house is burgled\n6. To cover the cost of their mortgage if they can’t pay it\n7. Don't know "},128]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),3)","v":"Understanding financial products"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),4)","v":"YA understand how financial products work"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),5)","v":"Understand how insurance works"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),7)","v":"A) How knowledgeable do you feel about the following?  \n- How insurance works\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. I know a lot\n2. I know a little\n3. I don’t know much about this\n4. I know nothing about this\n5. Don't know\n\nB) Which of the following statements do you think are true, and which are false? \na) If you own a car you must have car insurance to drive it\nb) If you own a mobile phone you  must have car insurance to use it\nc) All insurance policies have the same terms and conditions\nd) Insurers can refuse to pay out on a claim depending on the terms and conditions\ne) You can get better deals on insurance if you shop around\n\nFor each statement: CHOOSE ONE ONLY\n1. True\n2. False\n3. Don't know"},129]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),3)","v":"Understanding financial products"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),4)","v":"YA understand how financial products work"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),5)","v":"Know how bank accounts work and ability to check bank balance"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),7)","v":"A) How much, if anything, would you say you know about bank accounts?\nCHOOSE ONE ONLY\n1. Hadn't heard of this before now\n2. Nothing, but I've heard of this \n3. A little\n4. A fair amount\n5. A lot\n6. Don’t know\n\nIF KNOW SOMETHING AT A) (OPTIONS 3 TO 5)\nB) How knowledgeable do you feel about the following ?  \n- How bank accounts work\n- Checking the balance on a bank account\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. I know a lot\n2. I know a little\n3. I don’t know much about this\n4. I know nothing about this\n5. Don't know"},130]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),3)","v":"Understanding financial products"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),4)","v":"YA understand how financial products work"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),5)","v":"Understand the options when choosing between different current or savings accounts "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),7)","v":"Which of these features should people think about when choosing a bank account?\nCHOOSE ALL THAT APPLY\n1. Having a cash card or debit card\n2. Whether your friends use the same bank\n3. Whether your parents use the same bank\n4. Whether you can bank online or through an app\n5. The interest rate on the money in the account\n6. Whether you can access your money straightaway\n7. Whether there is an overdraft facility and how much it is\n8. Whether there is a monthly fee and how much it is\n9. Introductory offers (e.g. free tickets/gadget)\n10. Special features (e.g. mobile phone insurance)\n11. Something else (please write in)\n12. None of these\n13. Don't know"},131]

{"sheet":"A2","index":35,"n_rows":21,"n_cols":6,"rows_kept":21,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,null,"Young Adults"]
[null,null,null,"Outcomes Framework"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Ability - Understanding financial concepts and terms"}]
[null,"Please select the first question for each indicator"]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Understanding financial concepts and terms"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA understand basic financial concepts"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"Understand basic financial terms"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"For each of the following statements, can you pick the word that best fits the description?\na)The amount the price of things in shops goes up by\nb) The money that is added to savings by banks or building societies\nc) The money people pay to  government\nd) The amount you get when you retire from working\ne) The amount of money you have in your bank account\n\nFor each statement: CHOOSE ONE ONLY\n1. Interest\n2. Pension\n3. Inflation\n4. Balance\n5. Tax\n6. Benefit\n7. Credit\n8. Debit\nDon't know"},132]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Understanding financial concepts and terms"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YA understand basic financial concepts"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"Understand loan types "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"A) How much, if anything, would you say you know about loans and different types of borrowing?\nCHOOSE ONE ONLY\n1. Hadn't heard of this before now\n2. Nothing, but I've heard of this \n3. A little\n4. A fair amount\n5. A lot\n6. Don’t know\n\nIF KNOW SOMETHING AT A) (OPTIONS 3 TO 5)\nB) How knowledgeable do you feel about the following ?  \n- Comparing different loans and credit cards\n- What sort of borrowing options credit unions offer\n- Calculating the total cost of a loan or credit such as Brighthouse or a car on hire purchase (including interest and charges) \n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. I know a lot\n2. I know a little\n3. I don’t know much about this\n4. I know nothing about this\n5. Don't know"},133]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"Understanding financial concepts and terms"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YA understand basic financial concepts"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"Understand APR"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"Which of the following statements do you think are true, and which are false? \n- For a six month loan, it will cost you more to borrow money on a loan with a low APR than a loan with a high APR\n\nCHOOSE ONE ONLY\n1. True\n2. False\n3. Don't know"},134]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),3)","v":"Understanding financial concepts and terms"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),4)","v":"YA understand investments \n\n"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),5)","v":"Has a basic understanding of investments \n\n"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),7)","v":"Which of the following statements do you think are true, and which are false? \na) An investment with a high return is likely to be low risk.\nb)  Money in investments does not have the same protections as money saved in a bank or savings account\nc)  Investments normally involve putting money away for at least 5 to 10 years\n\nFor each statement: CHOOSE ONE ONLY\n1. True\n2. False\n3. Don't know"},135]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),3)","v":"Understanding financial concepts and terms"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),4)","v":"YA know about pensions options, able to make decisions about pensions\n\n"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),5)","v":"Know how pensions work, able to check and make decisions about pensions\n\n"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),7)","v":"A) How much, if anything, would you say you know about pensions?\nCHOOSE ONE ONLY\n1. Hadn't heard of this before now\n2. Nothing, but I've heard of this \n3. A little\n4. A fair amount\n5. A lot\n6. Don’t know\n\nIF KNOW SOMETHING AT A) (OPTIONS 3 TO 5)\nB) How knowledgeable do you feel about the following ?  \n- How pensions work\n- How to check how much pension income you will get when you retire\n- Make decisions about a pension to give you an income you will need in retirement \n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. I know a lot\n2. I know a little\n3. I don’t know much about this\n4. I know nothing about this\n5. Don't know"},136]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),3)","v":"Understanding financial concepts and terms"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),4)","v":"YA understand mortgages and repayments "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),5)","v":"Understand how mortgages work  "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),7)","v":"A) How much, if anything, would you say you know about mortgages?\nCHOOSE ONE ONLY\n1. Hadn't heard of this before now\n2. Nothing, but I've heard of this \n3. A little\n4. A fair amount\n5. A lot\n6. Don’t know\n\nIF KNOW SOMETHING (OPTIONS 3 TO 5)\nB) How knowledgeable do you feel about the following ?  \n- How mortgages work\n- How to apply for a mortgage\n- How to calculate a monthly mortgage repayment \n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. I know a lot\n2. I know a little\n3. I don’t know much about this\n4. I know nothing about this\n5. Don't know"},137]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),3)","v":"Understanding financial concepts and terms"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),4)","v":"YA know about options and rights in relation to problem debt"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),5)","v":"Know of options and rights in relation to problem debt"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F16,Questions!$D$3:$D$191,0),7)","v":"ASK ONLY IF 18 or OVER:\nHow knowledgeable do you feel about the following? \n- The different options for sorting out debt problems\n- That fees are charged for some debt solutions such as bankruptcy\n- The steps to take if I’m unable to pay any debts \n- My rights if organisations try to recover any money I owe them\n- The steps organisations can take to recover any money I owe them\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. I know a lot\n2. I know a little\n3. I don’t know much about this\n4. I know nothing about this\n5. Don't know"},138]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),3)","v":"Understanding financial concepts and terms"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),4)","v":"YAS understand their basic rights as consumers"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),5)","v":"Understand when they can return goods"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F17,Questions!$D$3:$D$191,0),7)","v":"The next question is about your rights as a consumer. In which of the following situations do you have a right to a refund, repair or replacement?\n 1. You buy a new watch but when you take it out of the box it is damaged (yes)\n2. You buy a second hand phone from a shop and there is scratch on the back you were not told about  (yes)\n3. You buy a new jumper but you accidentally rip it the first time you wear it (no)\n4. You buy a new phone case advertised as fitting your phone, but you find it does not fit (yes)\n5. You buy new trainers from a shop but when you get home you realise you have changed your mind (no)\n6. None of these\n7. Don't know "},139]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F18,Questions!$D$3:$D$191,0),3)","v":"Understanding financial concepts and terms"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F18,Questions!$D$3:$D$191,0),4)","v":"YAS understand their basic rights as consumers"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F18,Questions!$D$3:$D$191,0),5)","v":"Understand when they can cancel agreements and services"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F18,Questions!$D$3:$D$191,0),7)","v":"The following statements are about your rights as a consumer. Which of the following statements do you think are true, and which are false? \na) You can cancel or return anything you buy on the phone or internet within 7 days (true)\nb) You can return something you buy in a shop within 7 days without having to give a reason (false)\nc) If a bike shop repaired your bike but they didn't fix it properly, you can you ask the shop to re-do it at no extra charge (true)\nd)  You can cancel a mobile phone contract 28 days after you signed up for it (false)\n\nFor each statement: CHOOSE ONE ONLY\n1. True\n2. False\n3. Don't know "},140]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F19,Questions!$D$3:$D$191,0),3)","v":"Understanding financial concepts and terms"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F19,Questions!$D$3:$D$191,0),4)","v":"YA understand their rights as a tenant "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F19,Questions!$D$3:$D$191,0),5)","v":"YA understand their rights as a tenant"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F19,Questions!$D$3:$D$191,0),7)","v":"The following statements are about tenants' legal rights and responsibilities. A tenant is someone who rents their home. \nWhich of the following statements do you think are true, and which are false? \n- Tenants can take their landlord to court if a landlord won't do repairs they've been asked to do (true)\n- In most cases, a landlord can increase the rent regularly, for example once a year (true)\n- Landlords can take money from a tenant's deposit if the carpet wears out while they live there (false)\n\nFor each statement: CHOOSE ONE ONLY\n1. True\n2. False\n3. Don't know "},141]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F20,Questions!$D$3:$D$191,0),3)","v":"Understanding financial concepts and terms"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F20,Questions!$D$3:$D$191,0),4)","v":"YA know how to access information about consumer rights"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F20,Questions!$D$3:$D$191,0),5)","v":"YA know how to find out about their consumer and tenancy rights"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F20,Questions!$D$3:$D$191,0),7)","v":"A) If you needed any information or advice about your rights, for example your consumer rights or housing rights, would you know where to go or who to speak to?\nCHOOSE ONE ONLY\n1. Yes\n2. No\n3. Don't know"},142]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F21,Questions!$D$3:$D$191,0),3)","v":"Understanding financial concepts and terms"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F21,Questions!$D$3:$D$191,0),4)","v":"YA know about fraud and ability to protect themselves "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F21,Questions!$D$3:$D$191,0),5)","v":"Know about types of fraud and ability to protect from fraud "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F21,Questions!$D$3:$D$191,0),7)","v":"How knowledgeable do you feel about the following things?  \n- The different types of financial fraud/scams \n- How to protect yourself from financial fraud/scams\n- How to protect yourself from online financial fraud/scams\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. I know a lot\n2. I know a little\n3. I don’t know much about this\n4. I know nothing about this\n5. Don't know"},143]

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[]
[null,null,null,"Young Adults"]
[null,null,null,"Outcomes Framework"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Ability - Financial numeracy"}]
[null,"Please select the first question for each indicator"]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Financial numeracy"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"Understand financial concepts and are able to answer basic questions about\ninterest"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"Able to calculate interest owed on a loan"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"Suppose you have taken out a loan for £500, and the interest rate you are charged is 10% per month. There are no other fees. At this interest rate, how much money would you owe in total after one month?\nENTER AMOUNT IN £\nDon't know"},144]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Financial numeracy"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"Understand financial concepts and are able to answer basic questions about\ninterest"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"Able to calculate interest earned from savings\n"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"Suppose you put £100 into a savings account with a guaranteed interest rate of 2% per year. You don’t make any further payments into this account and you don’t withdraw any money. How much would be in the account at the end of the first year, once the interest payment is made?   \nENTER AMOUNT IN £\nDon't know"},145]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"Financial numeracy"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YA understand the impact of inflation on buying power"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"Understand the impact of inflation"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"Suppose the inflation rate is 5% and the interest rate you get on your savings is 3%. Will you be able to buy more, less or the same amount with your savings in a year's time as you could buy now?\nCHOOSE ONE ONLY\n1. More\n2. The same\n3. Less\n4. Don’t know"},146]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),3)","v":"Financial numeracy"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),4)","v":"YA can work out how long they will need to save for to buy something if they are saving a set amount a week "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),5)","v":"Can work out how long they will need to save"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),7)","v":"Suppose that Greg gets £6.00 a week allowance. How long would it take Greg to save up his allowance to buy something that costs £26?\nCHOOSE ONE ONLY\n1. Two weeks\n2. Three weeks\n3. Four weeks\n4. Five weeks\n5. Six weeks\n7. Don't know "},147]

{"sheet":"A4","index":37,"n_rows":12,"n_cols":6,"rows_kept":12,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,null,"Young Adults"]
[null,null,null,"Outcomes Framework"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Ability - Understanding credit/borrowing"}]
[null,"Please select the first question for each indicator"]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Understanding credit/borrowing"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA understand financial products, concepts and language"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"Aware of the various ways to borrow money as an adult and that these are associated with different levels of risk"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"A) From the age of 18 there are different ways you can borrow money. How much, if anything, would you say you know about each of the following …?\n a) Credit card\nb) Store cards or store credit\nc) Bank loan\nd) Pay day loan\ne) Student loan\nf) Mortgage\ng) Overdraft\n \nFor each statement: CHOOSE ONE ONLY\n1. Hadn't heard of this before now\n2. Nothing, but I've heard of this \n3. A little\n4. A fair amount\n5. A lot\n6. Don’t know\n \nB) The following questions are about borrowing money. Which of the following statements do you think are true, and which are false? \n a) When you borrow money you will usually be charged interest \nb) All credit card companies charge the same rate of interest \nc) In general, the quicker you can pay off a debt, the less interest you pay\nd) Pay day loans usually have lower interest rates than credit cards\ne) Some types of borrowing will cost you more than others\nf) You could have to pay more if you don't pay money back on time\ng) You could have to pay your bank more if you use an overdraft that hasn’t been agreed \n \nFor each statement: CHOOSE ONE ONLY\n1. True\n2. False\n3. Don't know"},148]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Understanding credit/borrowing"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YA understand financial products, concepts and language"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"Understand the role of student loans and the way in which they work"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"A) How much do you agree or disagree with the following statement?\n- Student  loans are a sensible way to borrow money for the long term.\n\n CHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know\n\nB) Which of the following statements do you think are true, and which are false? \na) - Student loans are repaid based on what you earn after you graduate\nb) - You might not have to repay the full amount of the loan for example if you do not get a job after university\nc) - Repayments are taken automatically from what you earn\nd) - Student loans are cleared if they are not repaid within 30 years\ne) - Student loans are a very expensive way of borrowing money compared to other loans\nf) -  Student loan repayments are collected by debt collectors\ng) - You must always repay the full amount you borrowed with a student loan\n\nFor each statement: CHOOSE ONE ONLY\n1. True\n2. False\n3. Don't know"},149]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"Understanding credit/borrowing"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YA know how to maintain a good credit record"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"Understand what a credit record is what factors influence it"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"A) Which of the options best describes what a credit record is?\nCHOOSE ONE ONLY\n1. A credit card statement from a bank\n2. A store card bill \n3. A record showing your mobile phone history\n4. A record of all credit you have borrowed from different places (banks, stores, bills etc.) and whether this has been paid back \n5. None of these\nDon't know\n\nB) Which of the following things are important if you want to have a good credit record?\nCHOOSE ALL THAT APPLY \n1. Your education\n2. Whether you are a registered voter\n3. Whether you have a credit card\n4. Whether you pay your credit card on time \n5. Whether you have other debts\n6. Whether you are registered with a G.P.\n7. None of these\n8. Don't know"},150]

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[null,null,null,"Young Adults"]
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[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Ability - Understanding how to choose financial products that meet their needs"}]
[null,"Please select the first question for each indicator"]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Understanding how to choose financial products that meet their needs"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA understand how to choose financial products that meet their needs"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"Know useful strategies when selecting financial products"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"Here are some statements about choosing financial products such as bank account accounts or mobile phone tariffs. Which of the following statements do you think are true, and which are false? \na) - You can get better deals on financial products if you shop around\nb) - It is important to read the terms and conditions before picking a  financial product. \nc) - Banks are legally obliged to tell me if my money could be doing better in another account\nd) - Mobile phone providers are legally obliged to tell me which tariff is best  for me\ne) - You can often get better deals on financial products if you change provider regularly\nf) - Free neutral advice on choosing financial products is available, you just need to know where to find it\n\nFor each statement: CHOOSE ONE ONLY\n1. True\n2. False\n3. Don't know"},151]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Understanding how to choose financial products that meet their needs"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YA understand how to choose financial products that meet their needs"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"Aware that some saving products have higher interest than others"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"Which of the following statements do you think are true, and which are false? \na) - It doesn't matter what kind of savings account you have, the interest rate is the same at all banks\nb) - There are some financial products which will give you a higher interest rate\nc) - If you negotiate with the bank, you can get a higher interest rate on your savings\nd) - All the saving products within the same bank offer the same interest rate\n\nFor each statement: CHOOSE ONE ONLY\n1. True\n2. False\n3. Don't know"},152]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"Understanding how to choose financial products that meet their needs"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YA understand how to choose financial products that meet their needs"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"Know how to choose/compare insurance products"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"A) How much, if anything, would you say you know about insurance?\nCHOOSE ONE ONLY\n1. Hadn't heard of this before now\n2. Nothing, but I've heard of this \n3. A little\n4. A fair amount\n5. A lot\n6. Don’t know\n\nIF KNOW SOMETHING (OPTIONS 3 TO 5)\nB) How knowledgeable do you feel about the following ?  \n- How to compare different types of insurance\n- How to choose the best insurance for you\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. I know a lot\n2. I know a little\n3. I don’t know much about this\n4. I know nothing about this\n5. Don't know  "},153]

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[]
[null,null,null,"Young Adults"]
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[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Ability - MM awareness (spending, prioritising)"}]
[null,"Please select the first question for each indicator"]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"MM awareness (spending, prioritising)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA  understand the value of money"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"YA  can make spending decisions appropriate to their age based on their needs and priorities "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"A) When you get money, how often do you save at least some of it? This might include putting it in a bank account, putting it away in a drawer or money box or giving it to someone to look after for you.\nB) How often do you spend that money on things you want?\n CHOOSE ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\nDon’t know"},154]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"MM awareness (spending, prioritising)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YA  understand the value of money"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"YA understand the difference between 'price' and 'value' and that some things are better value than others"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"Suppose you are thinking of buying some new trainers.  Which of these comes closest to your view?\nCHOOSE ONE ONLY\n1. It's always best to buy a well-known brand even if it's no better quality than a cheaper brand\n2. It is worth considering a less expensive brand if it offers the same quality\n3. It is always best to choose the cheapest ones you can get even if they won't last quite as long\n4. Don't know"},155]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"MM awareness (spending, prioritising)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YA  understand the value of money"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"YA  understand how to shop around to get the best value for money and why this is important "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"Why is it a good idea to shop around when choosing where to buy something?\nCHOOSE ALL THAT APPLY\n1. You can find the same thing for different prices in different shops/on different websites\n2. I just enjoy shopping around\n3. Some shops/websites sell better quality items compared to others\n4. Shopping around can save you money \n5. I might find more things I want to buy\n6. Don’t know "},156]

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[]
[null,null,null,"Young Adults"]
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[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Ability - MM awareness (budgeting)"}]
[null,"Please select the first question for each indicator"]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"MM awareness (budgeting)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA know how to keep track of their money, and set and stick to a budget"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"YA understand the costs of living independently"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"ASK IN F2F AND TELEPHONE INTERVIEWS ONLY\nPlease can you tell me, off the top of your head, what household bills you think people need to pay if they are living independently, whether they pay these on their own or as part of a household?\nUNPROMPTED\nCHOOSE ALL THAT APPLY\n1. Rent or mortgage\n2. Fuel (Electricity or gas)\n3. Water \n4. Council tax\n5. Home internet/broadband\n6. Home insurance (contents and/or buildings)\n7. Telephone (landline/broadband)\n8. TV licence\n9. Something else (specify)"},157]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"MM awareness (budgeting)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YA know how to keep track of their money, and set and stick to a budget"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"YA understand the principles of budgeting and can develop a budget suited to their needs"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"How, if at all,  do you keep track of the money you get and the money you spend?\nCHOOSE ALL THAT APPLY\n1. Online budgeting tool\n2. Online bank account\n3. Spreadsheet\n4. Piece of paper\n5. In my head \n6. Checking my bank balance at a cash machine\n7. Reviewing my bank statements\n8. On a mobile app\n9. I don't keep track\n10. Don't know"},158]

{"sheet":"A8","index":41,"n_rows":11,"n_cols":6,"rows_kept":11,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,null,"Young Adults"]
[null,null,null,"Outcomes Framework"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Ability - MM awareness (security)"}]
[null,"Please select the first question for each indicator"]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"MM awareness (security)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA are aware of scams and fraud and know how to protect themselves from it"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"YA know they need to keep information about their current and savings accounts safe"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"IF HAVE A BANK ACCOUNT\nDoes your bank account come with a card you can use to get cash from a cash point?\nCHOOSE ONE ONLY\n1. Yes \n2. No\n3. Don't know\n\nIF HAVE A CARD WITH ACCOUNT\nWhich of the following should you do to keep your bank card PIN number safe? \nCHOOSE ALL THAT APPLY\n1. Write down your PIN and keep it in your wallet in case you forget it\n2. Tell your best friend your PIN in case you forget it\n3. Learn your PIN off by heart and keep it in your head\n4. Hide the keypad when you are entering your PIN number at a cash point or shop\n5. Change your PIN if you think someone may have seen it\n6. Don't know"},159]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"MM awareness (security)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YA are aware of scams and fraud and know how to protect themselves from it"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"YA understand the main types of financial fraud and how to protect themselves from it"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"Which of the following statements are true and which are false? \na)  You should always keep passwords for online accounts secret from other people (true)\nb)  It's okay for your bank to ask for your PIN by email or phone (false)\nd) Criminals can copy bank cards by using machines that look like ATMs  (true)\nf)  It's ok to share personal details like your name and home address on social media sites (false)\ng) If you get an email from an unknown sender with a website link,  it's best to click on the link to find out if the email is genuine (false)\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. True\n2. False\n3. Don't know "},160]

{"sheet":"A9","index":42,"n_rows":13,"n_cols":6,"rows_kept":13,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,null,"Young Adults"]
[null,null,null,"Outcomes Framework"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Ability - MM awareness (advice)"}]
[null,"Please select the first question for each indicator"]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"MM awareness (advice)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA know where/how to get good advice and information on money management"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"YA know where to go for advice, guidance and tools about their financial situation, in person, by phone and using digital resources"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"A) If you needed any information or advice about money, would you know where to go or who to speak to?\nCHOOSE ONE ONLY\n1.Yes\n2.No\n3.Don't know\n\nB) If you needed advice about money, who would you go to?\nCHOOSE ALL THAT APPLY\n1. Parents or carers\n2. Friends\n3. Other family members\n4. Staff at school/college/university\n5. Youth worker, community workers\n6. Work colleagues\n7. Online (e.g. YouTube, Money Saving Expert)\n8. A bank, building society or other financial organisation\n9. TV programmes\n10. Someone else (specify)\n11. I would not ask for advice about money\nDon't know"},161]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"MM awareness (advice)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YA know where/how to get good advice and information on money management"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"YA know where to find out information on whether they are entitled to benefits and how to claim them"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"Which of the following could someone go to if they wanted to find information on whether they are entitled to benefits?\nCHOOSE ALL THAT APPLY\n1. Parents or carers\n2. Job Centre\n3. Local Council\n4. Staff at school/college/university\n5. Internet\n6. Citizens Advice Bureau/ local charity\n7. DWP helpline"},162]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"MM awareness (advice)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YA know where/how to get good advice and information on money management"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"YA understand not to over-rely on the internet for information or advice about money"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"How confident are you that you can tell whether the information you find on the internet about money is accurate and reliable? \nCHOOSE ONE ONLY\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n5. Don’t know"},163]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),3)","v":"MM awareness (advice)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),4)","v":0},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),5)","v":"YA understand not to rely on social media for information or advice about money"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),7)","v":"A) How much would you say that you are influenced in your spending by things you see on social media\nB) How much would you say that you are influenced in how you manage your money by things you see on social media \nFOR EACH QUESTION: CHOOSE ONE ONLY\n1. A lot\n2. A little\n3. Not very much\n4. Not at all \n5. Don't know "},164]

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[]
[null,null,null,"Young Adults"]
[null,null,null,"Outcomes Framework"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Ability - MM awareness (saving)"}]
[null,"Please select the first question for each indicator"]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"MM awareness (saving)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA  know how to save up for things they want and why it is good to save"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"YA understand why saving money for something you want to buy is important "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"Why is it good to save up for something you want to buy?\nCHOOSE ALL THAT APPLY\n1. Saving up for things yourself will help you learn money management as you get older \n2. Other people may not have money to spare or may get annoyed if you ask them for money \n3. Saving up for something will mean you are less likely to make 'impulse buys'\n4.  Saving up makes you more likely to buy things you really want or need \n5.  You can spend the money you have saved on something else if you want to\n6. To stop you getting into debt \n7. Don't know"},165]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"MM awareness (saving)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YA  know how to save up for things they want and why it is good to save"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"YA understand the value of saving for the future"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"How important do you think it is for you to save up your money for the future in general?\nCHOOSE ONE ONLY\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Not very important\n5. Not at all important\n6. Don’t know"},166]

{"sheet":"A11","index":44,"n_rows":11,"n_cols":6,"rows_kept":11,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,null,"Young Adults"]
[null,null,null,"Outcomes Framework"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Ability - MM awareness (taxes)"}]
[null,"Please select the first question for each indicator"]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"MM awareness (taxes)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA understand how taxes are collected and what they are used for"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"YA understand that National Insurance and Income Tax is deducted from the money people earn to pay for public services "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"Tax is money that the Government takes from the money that people earn. What do you think  tax is for?\nCHOOSE ALL THAT APPLY\n1. To pay for hospitals \n2. To make sure people don't earn too much\n3. To pay for lottery prizes\n4. To pay for police \n5. To pay for schools\n6. To pay for supermarkets\n7. None of these\nDon't know"},167]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"MM awareness (taxes)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YA understand how taxes are collected and what they are used for"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"YA understand that people have a tax free allowance and don't pay Income Tax on a portion of what they earn "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"Which of the following statements are true and which are false? \na) The first part of the money your earn is tax free. \nb) If the income someone makes from all sources is under £11,500 they have to pay Income Tax on it\n\nCHOOSE ONE ONLY\n1. Yes\n2. No\n3. Don’t know"},168]

{"sheet":"A12","index":45,"n_rows":15,"n_cols":6,"rows_kept":15,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,null,"Young Adults"]
[null,null,null,"Outcomes Framework"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Ability - MM knowledge/technical ability"}]
[null,"Please select the first question for each indicator"]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"MM knowledge/technical ability"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA know how to keep track of their money, and set and stick to a budget"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"YA know how to use a price comparison site "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"Have you ever used any price comparison websites to compare  things like insurance, bank accounts, mobile phone contracts?\nCHOOSE ONE ONLY\n1. Yes I have used a price comparison website\n2. I have not used one but I have heard about this\n3. I have never heard about this"},169]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"MM knowledge/technical ability"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YA know how to keep track of their money, and set and stick to a budget"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"YA know how to use tools to help them budget"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"A) Do you know how much money you have in total, including in your bank?\nCHOOSE ONE ONLY\n1. No \n2. Yes, roughly\n3. Yes exactly\n\nB)  Which of the following do you do with your bank account(s)?\nCHOOSE ALL THAT APPLY\n1. Put money in\n2. Take money out \n3. Check my bank balance at a branch or cash machine/ATM\n4. Use a debit card (including contactless)\n5. Look at the account online (internet banking)\n6. Look at the account on my phone (mobile banking)\n7. None of these, but I do have a bank account\n8. I do not have a bank account\n9.Don't know\n\nC) How do you keep track of the money you get and the money you spend?\nCHOOSE ALL THAT APPLY\n1. Online budgeting tool\n2. Online bank account\n3. Spreadsheet\n4. Piece of paper\n5. In my head\n6. Checking my bank balance at a cash machine\n7. Reviewing my bank statements\n8. On a mobile app\n9. I don't keep track\n10. Don't know"},170]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),3)","v":"MM knowledge/technical ability"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),4)","v":"YA know how to keep track of their money, and set and stick to a budget"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),5)","v":"YA know how to check a bank balance and read a bank statement"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),7)","v":"Looking at this example of a bank statement, how much money was in the account at the end of February? \nPlease give your answer to the nearest one pound (£)\nAMOUNT in £\nDon't know"},171]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),3)","v":"MM knowledge/technical ability"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),4)","v":"YA know how to keep track of their money, and set and stick to a budget"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),5)","v":"Young people know how to read a payslip and understand the tax and NI contributions"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),7)","v":"Please look at this payslip shown. \nA) How much has Sally paid towards her retirement so far this year?\nCHOOSE ONE ONLY\n1. £100\n2. £320\n3. £2465.20\n4. £1000\n5. £200\nDon't know\n\nB) How much was Sally paid this month before any tax or deductions were taken?\nCHOOSE ONE ONLY\n1. £1950.88\n2. £2700\n3. £2000\n4. £27000\n5. £246.52\nDon't know"},172]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),3)","v":"MM knowledge/technical ability"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),4)","v":"YA know how to keep track of their money, and set and stick to a budget"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),5)","v":"YA know how to make deposits into a bank account "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F15,Questions!$D$3:$D$191,0),7)","v":"Which of the following methods of adding money to a bank account have you heard of?  \nCHOOSE ALL THAT APPLY\n1. With cash at a bank branch\n2. With a cheque at a bank branch\n3. With a cheque by post\n4. By bank transfer from one account to another\n5. By standing order from one account to another \n6. By Direct Debit from one account to another \n7. None of these\n8. Don't know "},173]

{"sheet":"A13","index":46,"n_rows":14,"n_cols":6,"rows_kept":14,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,null,"Young Adults"]
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[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Ability - Understanding the role of money in society"}]
[null,"Please select the first question for each indicator"]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Understanding the role of money in society"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA understand the different sources of money"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"YA understand that being financially independent and having their own source of income is an important part of being an adult"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"Thinking about your future, how important are each of the following things to you ?\na) Earning your own money\nb) Being completely independent when it comes to money\n\nFOR EACH STATEMENT, CHOOSE ONLY \n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Not very important\n5. Not at all important\n6. Don’t know"},174]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Understanding the role of money in society"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YA understand the different sources of money"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"YA understand that the choices they make around education and work will affect the amount of money they have "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"How much do you agree or disagree with each of the following statements?  \na) The study and  training people choose affects how much money they earn  \nb) People who work hard at school/college/university or in their jobs will have a better chance of  doing well in their careers\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know"},175]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"Understanding the role of money in society"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YA understand the different sources of money"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"YA understand that different education & training options (e.g.. going to university or doing an apprenticeship) have different financial implications in both the short and longer term "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"How much do you agree or disagree with each of the following statements?  \n- Young people who work hard at school or in their job will have a better chance of doing well in their careers\n\nCHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know"},176]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),3)","v":"Understanding the role of money in society"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),4)","v":"YA understand that companies exist to make money (and influence their spending, including through advertising, marketing etc.)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),5)","v":"YA understand the different ways that companies try to influence their spending, including through advertising, marketing, product placement and celebrity endorsements "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),7)","v":"Now for a short quiz: Companies use lots of different ways to get people to spend money on their goods and services. What is the correct name for each of the following statements?\na)  Placing images and examples of a product where lots of people can see it (e.g. on TV, in magazines or on social media)\nb)  The process of transferring goods and services from the seller to the buyer\nc)  Promoting goods and services through films, television or social media (e.g. someone using a certain type of smart phone in a film)\nd)  Paying someone famous to put their name and face to goods and services and help to sell them\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Advertising\n2. Marketing\n3. Product placement\n4. Celebrity endorsements\n5. None of these\n6. Don't know"},177]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),3)","v":"Understanding the role of money in society"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),4)","v":"YA understand that companies exist to make money (and influence their spending, including through advertising, marketing etc.)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),5)","v":"YA understands that high profile brands carry a premium"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F14,Questions!$D$3:$D$191,0),7)","v":"Suppose you are thinking of buying some new trainers.  Which of these comes closest to your view?\nCHOOSE ONE ONLY\n1. It's always best to buy a well-known brand even if it's no better quality than a cheaper brand\n2. It is worth considering a less expensive brand if it offers the same quality\n3. It is always best to choose the cheapest ones you can get even if they won't last quite as long\n4. Don't know"},178]

{"sheet":"A14","index":47,"n_rows":13,"n_cols":6,"rows_kept":13,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,null,"Young Adults"]
[null,null,null,"Outcomes Framework"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Ability - Basic skills"}]
[null,"Please select the first question for each indicator"]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Basic skills"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA have good literacy skills"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"YA perform at age appropriate levels in standardised literacy tests"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"Do you have GCSE English grade A*-C, 4-9 or equivalent? This might include the equivalent grades from National Awards in Scotland \nCHOOSE ONE ONLY\n1. Yes\n2. No\nDon't know"},179]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Basic skills"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YA have good numeracy skills"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"YA perform at age appropriate levels in standardised numeracy tests"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"Do you have GCSE Maths grade A*-C, 4-9 or equivalent? This might include the equivalent grades from National Awards in Scotland \nCHOOSE ONE ONLY\n1. Yes\n2. No\nDon't know"},180]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"Basic skills"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YA have good communication skills (English/Welsh)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"Ease of communicating in English or (Welsh in Wales)  "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"[ENG, SCOT, NI] \nCan I check, is English your first language?  \n1. Yes\n2.No\n3. Don't know\n\nIF ENGLISH NOT 1ST LANGUAGE\nSo can I check would you have any difficulty speaking in English to a member of staff in a bank about choosing a financial product?\n1. Yes\n2. No\n3. Don't know\n\n[WALES] \nCan I check, is English or Welsh your first language?  \n1. Yes - English\n2. Yes - Welsh\n3. No, neither\n\n[IF NEITHER]  So can I check would you have any difficulty speaking in English or Welsh to a member of staff in a bank about choosing a financial product?\n1. Yes\n2. No\n3. Don't know"},181]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),3)","v":"Basic skills"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),4)","v":"YA have digital literacy -online forms, tools, emails, online banking etc."},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),5)","v":"YA are able to use financial/money-related online services e.g.. forms, tools, emails, and online banking"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),7)","v":"A) Do you have access to the internet, at home or anywhere else?\nCHOOSE ONE ONLY\n1. Yes\n2. No\nDon't know\n\nIF USE THE INTERNET\nB) How easy do you find it to use the internet for each of the following? \na) - Buying something online\nb) - Buying tickets for travel or holiday bookings\nc) - Paying bills\nd) - Using your bank’s online services\ne) - Ordering groceries or food online\nf) - Selling things online\nh) - Finding the location of a house, office, store or restaurant \n\nB) FOR EACH STATEMENT: CHOOSE ONE ONLY\n1.Very easy\n2.Quite easy\n3.Quite difficult\n4.Very difficult\n5.Impossible\n6. Does not apply to me\nDon't know"},182]

{"sheet":"A15","index":48,"n_rows":13,"n_cols":6,"rows_kept":13,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,null,"Young Adults"]
[null,null,null,"Outcomes Framework"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Ability - Perseverance/problem solving"}]
[null,"Please select the first question for each indicator"]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Perseverance/problem solving"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"YA have good problem solving skills"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"YA can identify and understand a problem"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"These relate to wider skills, with no relevant questions in the outcomes frameworks"},183]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Perseverance/problem solving"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"YA have good problem solving skills"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"YA can plan ways to solve a problem"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"These relate to wider skills, with no relevant questions in the outcomes frameworks"},184]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),3)","v":"Perseverance/problem solving"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),4)","v":"YA have good problem solving skills"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),5)","v":"YA can monitor progress in tackling a problem"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F12,Questions!$D$3:$D$191,0),7)","v":"These relate to wider skills, with no relevant questions in the outcomes frameworks"},185]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),3)","v":"Perseverance/problem solving"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),4)","v":"YA have good problem solving skills"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),5)","v":"YA can review solutions to problems and modify them if necessary"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F13,Questions!$D$3:$D$191,0),7)","v":"These relate to wider skills, with no relevant questions in the outcomes frameworks"},186]

{"sheet":"A16","index":49,"n_rows":10,"n_cols":6,"rows_kept":10,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,null,"Young Adults"]
[null,null,null,"Outcomes Framework"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Ability - Understanding how to manage financial difficulty/problem debt"}]
[null,"Please select the first question for each indicator"]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Understanding how to manage financial difficulty/problem debt"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"Understanding how to manage financial difficulty/problem debt"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"YAs know which types of bills to prioritise over others if in financial difficulty "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"Please think about an adult who is in financial difficulty.  They have two payments to make but they can only afford to pay one.  For each of the following pairs of payments please say which one you think should be paid first or you can choose to say Don’t know?\n(correct answer in blue)\na) Water bill or rent?\nCHOOSE ONE ONLY\n1. Water bill\n2. Rent\n3. Don't know\n\nb) Electricity bill or money you have borrowed from a friend?\nCHOOSE ONE ONLY\n1. Electricity bill\n2. Money borrowed from a friend\n3. Don't know\n\nc) Council tax or credit card bill?\nCHOOSE ONE ONLY\n1. Council tax\n2. Credit card\n3. Don't know"},187]

{"sheet":"A17","index":50,"n_rows":11,"n_cols":6,"rows_kept":11,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,null,"Young Adults"]
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[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),2)&IF(B10=0,\"\",\" - \"&B10)","v":"Ability - Understanding risk"}]
[null,"Please select the first question for each indicator"]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),3)","v":"Understanding risk"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),4)","v":"Understanding risk"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),5)","v":"YA understand risks associated with informal/unstable income sources (including gambling)"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F10,Questions!$D$3:$D$191,0),7)","v":"A) How much risk do you feel is connected with each of the following?  You can consider any types of risk including those associated with money, safety or health.\na) Dealing drugs\nb) Working as a prostitute\nc) Transferring stolen money between countries (sometimes known as money muling)\nd) Shoplifting\n\nB) And how much risk do you feel is connected with each of the following?  \na) Working cash-in-hand without a contract\nb) Having a zero-hours contract \nc) Gambling (e.g. poker, sports betting, slot machines)\nd) Working as an escort or exotic dancer\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. A high level of risk\n2. A moderate level of risk\n3. A small amount of risk\n4. No risk\n5. Don't know "},188]
[null,{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),3)","v":"Understanding risk"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),4)","v":"Understanding investment risk"},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),5)","v":"YAS are able to identify different types/levels of investment risk "},{"$f":"INDEX(Questions!$D$3:$K$191,MATCH(F11,Questions!$D$3:$D$191,0),7)","v":"I would like to know whether you think the following statements are true or false.....\n a) An investment with a high return is likely to be low risk\n b) It is usually possible to reduce the risk of investing in the stock market by buying a wide range of stocks and shares. \n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. True\n2. False\n3. Don't know"},189]

{"sheet":"Lists","index":51,"n_rows":49,"n_cols":7,"rows_kept":49,"cut":false,"hidden":false,"merged":[]}
["Relevance","Filter","Ref",null,"Domain","Higher level outcome","Sheet"]
["Those still in education",false,1,null,"Wellbeing","Current financial wellbeing ","W1"]
["Those looking to move into further/higher education",false,2,null,null,"Longer term financial security","W2"]
["Those completing further/higher education",false,3,null,null,"Wider wellbeing","W3"]
["Those who have a loan from the Student Loans Company",false,4,null,null,"Other","W4"]
["Those looking to move into work",false,5,null,"Behaviour","Managing money well day-to-day (income sources)","B1"]
["Those in paid work",false,6,null,null,"Managing money well day-to-day (security)","B2"]
["Those aged 18+",false,7,null,null,"Managing money well day-to-day (keeping track)","B3"]
["Those aged 18+ and who have borrowing commitments",false,8,null,null,"Managing money well day-to-day (maximising income)","B4"]
["Those with a bank account",false,9,null,null,"Managing money well day-to-day (other)","B5"]
["Those who have borrowing commitments",false,10,null,null,"Preparing for and managing life events (saving)","B6"]
["Those living in a supported environment (home/statutory care)",false,11,null,null,"Preparing for and managing life events (resilience)","B7"]
[null,null,null,null,null,"Managing credit use/borrowing/debt","B8"]
[null,null,null,null,null,"Managing mobile phones","B9"]
[null,null,null,null,null,"Proactively seeking advice and guidance ","B10"]
[null,null,null,null,"Connection","Access to and use of financial products and advice","C1"]
[null,null,null,null,null,"Exposure to family/peer finances","C2"]
[null,null,null,null,null,"Experience of managing your own money (and the risks that come with it)","C3"]
[null,null,null,null,"Mindset","Attitudes to money management (mm awareness)","M1"]
[null,null,null,null,null,"Attitudes to money management (saving vs spending/prioritising)","M2"]
[null,null,null,null,null,"Attitudes to money management (borrowing/credit/debt aversion)","M3"]
[null,null,null,null,null,"Attitudes to money management (seeking advice)","M4"]
[null,null,null,null,null,"Financial confidence","M5"]
[null,null,null,null,null,"Self-controlled spending","M6"]
[null,null,null,null,null,"Money and values","M7"]
[null,null,null,null,null,"Goal-setting and planning","M8"]
[null,null,null,null,null,"General mindset (not finance specific)","M9"]
[null,null,null,null,null,"Financial engagement","M10"]
[null,null,null,null,null,"(blank)","M11"]
[null,null,null,null,null,"Willing to talk openly and honestly about money with friends, family and other adults","M12"]
[null,null,null,null,null,"Norms","M13"]
[null,null,null,null,null,"Attitudes to the future/adaptability","M14"]
[null,null,null,null,"Ability","Understanding financial products","A1"]
[null,null,null,null,null,"Understanding financial concepts and terms","A2"]
[null,null,null,null,null,"Financial numeracy","A3"]
[null,null,null,null,null,"Understanding credit/borrowing","A4"]
[null,null,null,null,null,"Understanding how to choose financial products that meet their needs","A5"]
[null,null,null,null,null,"MM awareness (spending, prioritising)","A6"]
[null,null,null,null,null,"MM awareness (budgeting)","A7"]
[null,null,null,null,null,"MM awareness (security)","A8"]
[null,null,null,null,null,"MM awareness (advice)","A9"]
[null,null,null,null,null,"MM awareness (saving)","A10"]
[null,null,null,null,null,"MM awareness (taxes)","A11"]
[null,null,null,null,null,"MM knowledge/technical ability","A12"]
[null,null,null,null,null,"Understanding the role of money in society","A13"]
[null,null,null,null,null,"Basic skills","A14"]
[null,null,null,null,null,"Perseverance/problem solving","A15"]
[null,null,null,null,null,"Understanding how to manage financial difficulty/problem debt","A16"]
[null,null,null,null,null,"Understanding risk","A17"]

{"sheet":"Questions","index":52,"n_rows":191,"n_cols":21,"rows_kept":191,"cut":false,"hidden":false,"merged":[]}
[]
["Ticks","In/Out","Sheet","Question","Domain","Higher level outcome","Lower level outcome","Indicator","Foundation outcome","Final framework question","Notes for users","Relevance",null,"Question","Domain","Higher level outcome","Lower level outcome","Indicator","Foundation outcome","Final framework question","Notes for users"]
[false,{"$f":"IF(A3=TRUE,\"In\",\"Out\")","v":"Out"},"W1",1,"Wellbeing","Current financial wellbeing ","YA has the ability to live (adequately) within their means (e.g. satisfaction with  financial circumstances; running out of money)","Satisfaction with financial situation ","Y","How satisfied are you with your overall financial situation? Please answer on a scale of 0 to 10, where 0 is ‘not at all satisfied’ and 10 is ‘completely satisfied’\n \n0 Not at all satisfied\n...\n10 Completely satisfied\nDon’t know","Use a visual 0 to 10 scale with the statements indicated attached the extremes.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D1))),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N3,$D$3:$D$191,0),3),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N3,$D$3:$D$191,0),4),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N3,$D$3:$D$191,0),5),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N3,$D$3:$D$191,0),6),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N3,$D$3:$D$191,0),7),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N3,$D$3:$D$191,0),8),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N3,$D$3:$D$191,0),9),\"\")","v":""}]
[false,{"$f":"IF(A4=TRUE,\"In\",\"Out\")","v":"Out"},"W1",2,"Wellbeing","Current financial wellbeing ","YA has the ability to live (adequately) within their means (e.g. satisfaction with  financial circumstances; running out of money)","Regularity of running out of money ","Y","How often do you run out of money before the end of the week or month or need to use a credit card or overdraft to get by? Would you say it was …\nCHOOSE ONE ONLY\n1. Always\n2. Most of the time\n3. Sometimes\n4. Hardly ever\n5. Never\n6. Don’t know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D2))),\"\")","v":""},"","","","","","",""]
[false,"Out","W1",3,"Wellbeing","Current financial wellbeing ","YA is keeping up with their bills and commitments (e.g. self-reported 'keeping up') ","Self-reported keeping up with bills and commitments","Y","Which one of the following statements best describes how well you are keeping up with your bills and payments at the moment? Please include those you have personally or jointly with someone else.\nCHOOSE ONE ONLY\n1.  Keeping up without difficulty\n2. Keeping up but it is a struggle \n3. Falling behind with some bills and payments\n4.  Falling behind with many bills and payments\n5. I do not have any bills or credit commitments\n6. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D3))),\"\")","v":""},"","","","","","",""]
[false,"Out","W1",4,"Wellbeing","Current financial wellbeing ","YA is keeping up with their bills and commitments (e.g. self-reported 'keeping up') ","Self-reported burden of bills and commitments","Y","How much do you feel that keeping up with your bills and payments is a burden?\nCHOOSE ONE ONLY\n1. It is not a burden at all\n2. It is somewhat of a burden \n3. It is a heavy burden\n4. I do not have any bills or credit commitments\n5. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D4))),\"\")","v":""},"","","","","","",""]
[false,"Out","W1",5,"Wellbeing","Current financial wellbeing ","YA is not experiencing material deprivation (e.g. being unable to pay for essentials, affordability of expenses)","Regularity of being unable to pay for essentials ","Y","How often do you go without essential items due to a lack of money? This might include being unable to pay bills, buy food or pay for heating.\nCHOOSE ONE ONLY\n1. Always\n2. Most of the time\n3. Sometimes\n4. Hardly ever\n5. Never\n6. I do not have to pay for any of these things\n7. Don’t know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D5))),\"\")","v":""},"","","","","","",""]
[false,"Out","W1",6,"Wellbeing","Current financial wellbeing ","YA is not experiencing material deprivation (e.g. being unable to pay for essentials, affordability of expenses)","Count of expenses considered affordable","Y","ASK IF LIVING WITH PARENTS OR IN A CARE/COMMUNAL (E.G. STUDENT HALLS) SETTING\nLooking at this list, can I just check whether you personally can afford the following things?\nCHOOSE ALL THAT APPLY\n1. A week's annual holiday away from home\n2. Buying new, rather than second hand, clothes\n3. Going out or socialising\n4. A hobby or leisure activity\n5. None of these\n6. Don't know\n\nOTHERWISE ASK\nLooking at this list, can I just check whether you can afford the following things?\nCHOOSE ALL THAT APPLY\n1. A week's annual holiday away from home\n2. Buying new, rather than second hand, clothes\n3. Keeping your home adequately warm in winter\n4. Having friends or family for a drink or meal once a month\n5. Going out or socialising\n6. A hobby or leisure activity\n7. Replacing a major electrical appliance (e.g. fridge)\n8. Keeping your home in a decent state of decoration\n9. None of these\n10. Don't know","Choose the most appropriate question to ask based on the circumstances of your beneficiary.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D6))),\"\")","v":""},"","","","","","",""]
[false,"Out","W1",7,"Wellbeing","Current financial wellbeing ","YA is able to make ends meet if next income payment is lower or later than expected","Capacity to manage an unexpected delay in income ","Y","Thinking about the main source of money you receive, if this was unexpectedly delayed by two months, for how long could you manage without needing to borrow money?\nCHOOSE ONE ONLY\n1. Less than a week\n2. A week or two\n3. About a month\n4. About two months\n5. More than two months\n6.  Don’t know\n7. Does not apply","Question can be asked of any YA with income from any source.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D7))),\"\")","v":""},"","","","","","",""]
[false,"Out","W1",8,"Wellbeing","Current financial wellbeing ","YA is able to pay a sizeable unexpected bill","Capacity to pay an unexpected bill of £50","Y","Imagine you had to pay an unexpected £50 expense within 7 days of today. Which of the following best describes what you would do first?\nCHOOSE ONE ONLY\n1. Pay it with my existing money\n2. Use my savings \n3. Get the money from friends or family as a gift or loan \n4. Borrow the money from somewhere else \n5. Work extra hours or shifts \n6. Sell something \n7. I would not be able to pay this \n8. Other (specify)\n9. Don’t know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D8))),\"\")","v":""},"","","","","","",""]
[false,"Out","W2",9,"Wellbeing","Longer term financial security","YA has confidence for their financial future","Level of confidence in finances ","Y","How confident are you that you will have enough money to live comfortably in a year from now?\nCHOOSE ONE ONLY\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n5. Don’t know","Other indicators use the same response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D9))),\"\")","v":""},"","","","","","",""]
[false,"Out","W3",10,"Wellbeing","Wider wellbeing","YA has good emotional/mental wellbeing as it relates to their finances (e.g. level of anxiety about finances; effect of finances on mental health)","Level of anxiety about finances ","Y","How much do you agree or disagree with the following statements? - 'Thinking about money makes me anxious'\nCHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D10))),\"\")","v":""},"","","","","","",""]
[false,"Out","W3",11,"Wellbeing","Wider wellbeing","YA has good emotional/mental wellbeing as it relates to their finances (e.g. level of anxiety about finances; effect of finances on mental health)","Effect of finances on mental health ","Y","Do you experience any of the following BECAUSE of your financial situation or your household's financial situation?\nCHOOSE ALL THAT APPLY\n1. Stress or anxiety\n2. Low mood or depression\n3. Self-harm or suicidal thoughts\n4. Difficulty concentrating or relaxing\n5. Difficulty sleeping\n6. Panic attacks\n7. Eating too little or too much\n8. Alcohol use\n9. Drug use, including prescription medicines and legal highs\n9. Family tension or arguments\n10. Domestic abuse or violence\n11. None of these\n12. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D11))),\"\")","v":""},"","","","","","",""]
[false,"Out","B1",12,"Behaviour","Managing money well day-to-day (income sources)","YA have their own source of money","Has an income","Y","Thinking about all the sources of income you receive, where do you get your money from? \nCHOOSE ALL THAT APPLY\n1. From work or a part-time job (including apprenticeships) \n2. Benefits payments (e.g. Universal Credit, Job Seekers Allowance)\n3. Allowance or pocket money from parents, carers or other family members\n4. Birthday, Christmas or other special occasions\n5. Student maintenance loan\n6. Any other type of borrowing (e.g. loans, overdrafts, credit cards, or from friends and family)\n7. By selling things online or somewhere else\n8. Somewhere else\n9. I do not get any money from any source\n10. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D12))),\"\")","v":""},"","","","","","",""]
[false,"Out","B1",13,"Behaviour","Managing money well day-to-day (income sources)","YA have their own source of money","Has a regular income","Y","Thinking about all the sources of income you receive, do you get the same amount of money every week or month? \nCHOOSE ONE ONLY\n1. Yes, the same\n2. No, it varies\n3. I do not get any money from any source\n4. Don’t know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D13))),\"\")","v":""},"","","","","","",""]
[false,"Out","B2",14,"Behaviour","Managing money well day-to-day (security)","YAs keep their account information safe","Keeps information about current and savings accounts safe","N","A bank account is somewhere people can keep their money rather than keeping it at home. You can have a bank account with a bank, a building society or a credit union. And you might have it in your name only or jointly with someone else. Do you have any of the following with your bank account? \nCHOOSE ALL THAT APPLY\n1. Plastic card\n2. PIN (number)\n3. Bank book\n4. Access your account online / mobile banking\n5. I do not have a bank account\n6. Don't know\n\nIF HAVE A BANK CARD\nWhere do you keep your bank card? \nCHOOSE ALL THAT APPLY\n1. In my purse/wallet\n2. My parents/carers keep it\n3. In a safe place at home\n4. Somewhere else\n5. I don't have a special place where I keep this/these items\n6. Don't know\n\nIF HAVE A PIN NUMBER\nDo you keep your PIN number written down so you remember it?  CHOOSE ALL THAT APPLY\n1. Yes, in my purse/wallet\n2. Yes, at home\n3. Yes, stored on a computer, tablet or phone\n4. None of these, I just remember it in my head \n5. None of these, I don't use my PIN number/I have forgotten it\n6. Don't know\n\nIF HAVE AN ONLINE ACCOUNT/MOBILE BANKING\nDo you keep your online bank account login details written down so you remember them? \nCHOOSE ALL THAT APPLY\n1. Yes, in my purse/wallet\n2. Yes, at home\n3. Yes, stored on a computer, tablet or phone\n4. None of these, I just remember it in my head \n5. None of these, I don't use my online bank account/I have forgotten how to log in\n6. Don't know","The preamble is repeated for other indicators. Only ask the preamble once.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D14))),\"\")","v":""},"","","","","","",""]
[false,"Out","B3",15,"Behaviour","Managing money well day-to-day (keeping track)","YAs keep track of income and spending \n(e.g. accuracy of spending  knowledge, checking balances, creating/ sticking to a budget","Knows how much money they have to spend","Y","How accurately do you know how much money you have at present, excluding any savings?  We’re not interested in how much money you have, just how accurately you know how much money you have to spend. \nCHOOSE ONE ONLY\n1. I know within a pound or two\n2. I know within £5\n3. I know within £10\n4. I know within £20 \n5. I know within £50\n6. I know within £100 \n7. I know within £500\n8. I have no idea at all\n9. I have no money of my own\n10. Don't know","This question should be asked before asking other questions about keeping track. \n\nThis question has been adapted from Money Advice Services building blocks of financial capability, based on key driver analysis of the financial capability survey. The measure in the financial capability survey, asks about the balance of their current account, rather than money to spend more generally. \n\nThe original measure was worded as follows:  Which of these best describes how accurately you know the balance on this account?  We’re not interested in how much money is in the account, just how accurately you know how much money you have in the account.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D15))),\"\")","v":""},"","","","","","",""]
[false,"Out","B3",16,"Behaviour","Managing money well day-to-day (keeping track)","YAs keep track of income and spending \n(e.g. accuracy of spending  knowledge, checking balances, creating/ sticking to a budget","Regularly checks bank account balance","Y","A bank account is somewhere people can keep their money rather than keeping it at home. You can have a bank account with a bank, a building society or a credit union. And you might have it in your name only or jointly with someone else. How often do you normally check how much money is in your bank account?  This could be by checking the balance on your smartphone, online, at a cash machine or receiving an automated text message. \nCHOOSE ONE ONLY\n1. Every day\n2. At least once a week, but not every day\n3. At least once a fortnight, but not once a week\n4. At least once a month, but not once a fortnight\n5. Less than once a month\n6. Other (please specify)\n7. Never\n8. I do not have a bank account\n9. Don’t know","The preamble is repeated for other indicators. Only ask the preamble once.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D16))),\"\")","v":""},"","","","","","",""]
[false,"Out","B3",17,"Behaviour","Managing money well day-to-day (keeping track)","YAs keep track of income and spending \n(e.g. accuracy of spending  knowledge, checking balances, creating/ sticking to a budget","Methods used to keep track of income and expenditure","Y","Which of these do you regularly use to keep track of your income and spending? \nCHOOSE ALL THAT APPLY\n1. An online budgeting tool\n2. An app on a mobile or other electronic device\n3. A spreadsheet\n4. A piece of paper\n5. An accounts book or notebook\n6. A financial software package\n7. By checking my bank balance\n8. By reviewing  bank statements\n9. In my head\n10. Other (please specify)\n11.  I don’t keep track\n12. Don’t know ","Practitioners can optionally insert additional actions relevant to their intervention prior to code 'Something else'. Actions need to be relevant, clearly stated and as succinct as possible.\n\nPositive change includes movement from 9, 11 and 12 to any other code and / or increasing the number of behaviours they have adopted ","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D17))),\"\")","v":""},"","","","","","",""]
[false,"Out","B3",18,"Behaviour","Managing money well day-to-day (keeping track)","YAs budget effectively \n(e.g. set themselves a budget that's appropriate and realistic for their circumstances and stick to it, make complex choices about how to spend their money based on need and  value for money)","Sets a budget that's appropriate and realistic for their circumstances and stick to it","Y","Do you ever make a plan on how you will spend and save your money? For example by setting yourself a budget.\nCHOOSE ONE ONLY\n1. Yes\n2. No\n\nIF MAKES A PLAN\nAnd, how often do you keep to your plan or budget?\nCHOOSE ONE ONLY\n1. Never\n2. Rarely\n3. Sometimes\n4. Often\n5. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D18))),\"\")","v":""},"","","","","","",""]
[false,"Out","B3",19,"Behaviour","Managing money well day-to-day (keeping track)","YAs budget effectively \n(e.g. set themselves a budget that's appropriate and realistic for their circumstances and stick to it, make complex choices about how to spend their money based on need and  value for money)","Makes complex choices about how to spend their money that are based on their needs and on value for money","Y","When you want to get something for yourself, how often do you think about... \na) - whether your friends would approve of the item?\nb) - how much money you will have left to spend on other things?\nc) - how stylish the item is?\nd) - how long the item will last?\ne) - whether the item is good value for money?\nf) - whether you should save your money for another day?\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Never\n2. Rarely\n3. Sometimes\n4. Often\n5. Always\n6. Don't know","Add to other questions with same opening statement if present in your questionnaire","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D19))),\"\")","v":""},"","","","","","",""]
[false,"Out","B3",20,"Behaviour","Managing money well day-to-day (keeping track)","YAs manage their bills effectively (e.g. frequency of missed payments, extent of planning to pay bills)","Frequency of missed bill payments ","Y","How often do you delay or miss paying a bill or other payment, beyond the date it becomes due?\nCHOOSE ONE ONLY\n1. I often do this \n2. I occasionally do this \n3. I rarely do this \n4. I never do this\n5. I do not have any bills or other payments to pay\n6. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D20))),\"\")","v":""},"","","","","","",""]
[false,"Out","B3",21,"Behaviour","Managing money well day-to-day (keeping track)","YAs manage their bills effectively (e.g. frequency of missed payments, extent of planning to pay bills)","Plans ahead for bills","Y","How well do you usually plan ahead to make sure you have the money to pay for regular bills or payments? \nCHOOSE ONE ONLY\n1. Plan ahead to cover the full amount\n2. Plan ahead to cover some of the amount\n3. I do not plan ahead because there is always enough money to cover them\n4. Don't plan ahead at all\n5. I do not have any bills or expenses to pay\n6. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D21))),\"\")","v":""},"","","","","","",""]
[false,"Out","B4",22,"Behaviour","Managing money well day-to-day (maximising income)","YAs shop around for the best deals and take steps to make their money go further","Shops around to get the best deal for things that they want","Y","When you want to get something for yourself, how often do you do the following? \na) Look in different shops to compare prices?\nb) Look online to compare prices?\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Never\n2. Rarely\n3. Sometimes\n4. Often\n5. Always\n6. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D22))),\"\")","v":""},"","","","","","",""]
[false,"Out","B4",23,"Behaviour","Managing money well day-to-day (maximising income)","YAs shop around for the best deals and take steps to make their money go further","Shops around for essential goods and services","Y","When choosing or renewing a product, how often do you  spend time comparing the different options? This might include mobile phone deals, TV bundles, insurance or electricity.\nCHOOSE ONE ONLY\n1. I always spend time comparing\n2. I sometimes spend time comparing\n3. I very rarely spend time comparing\n4. I never spend time comparing\n5. I do not have to pay for any of these things\n6. Don’t know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D23))),\"\")","v":""},"","","","","","",""]
[false,"Out","B4",24,"Behaviour","Managing money well day-to-day (maximising income)","YAs shop around for the best deals and take steps to make their money go further","Takes steps to make money go further","Y","Which of the following things, if any, do you currently do to make your money go further?  \nCHOOSE ALL THAT APPLY\n1. Shop around for food and groceries \n2. Look out for special offers or reduced items\n3. Look for promotional or discount codes\n4. Plan meals in advance \n5. Make a shopping list\n6. Avoid treats and non-essential items\n7. Turn lights/power off at home when they are not in use\n8. Check the charges on essential bills such as a mobile phone or electricity to see if there is a cheaper tariff or supplier available \n9. Use other money saving tips \n10. None of these\n11. Don't know","Practitioners can optionally insert additional actions relevant to their intervention prior to code 'None of these'. Actions need to be relevant, clearly stated and as succinct as possible.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D24))),\"\")","v":""},"","","","","","",""]
[false,"Out","B4",25,"Behaviour","Managing money well day-to-day (maximising income)","YAs claim benefits they are entitled to","Claims benefits when eligible and adjusts claim following changes in circumstances","Y","See notes to users: \nIt is important that young adults claim the benefits they are entitled to, so that they are able to live adequately within their means and avoid problem debt. Households who are claiming benefits must ensure their claim is accurate and up to date following any changes in circumstances, both to ensure that they are getting the full amount they are entitled to and to stop any over-payments, which they might struggle to pay back in the future.\n\nWe have not included a measure of this behaviour as the actions an individual should take, and when, will differ depending on the their circumstances, the benefits they are claiming and changes to welfare policy.  However, you might want to consider whether young adults are:\nClaiming some that they are no longer entitled to;\nClaiming none that they are entitled to;\nClaiming some that they are entitled to; or\nClaiming all entitled benefits.\n\nIf your intervention is seeking to maximise beneficiaries' income by supporting them to claim benefits, you might consider using changes to beneficiaries' income alongside other administration data (such as whether the advisor helped them to make a claim) to evidence this. Please get in touch with the Money Advice Service if you would like help with deciding how best to measure this outcome.","It is important that young adults claim the benefits they are entitled to, so that they are able to live adequately within their means and avoid problem debt. Households who are claiming benefits must ensure their claim is accurate and up to date following any changes in circumstances, both to ensure that they are getting the full amount they are entitled to and to stop any over-payments, which they might struggle to pay back in the future.\n\nWe have not included a measure of this behaviour as the actions an individual should take, and when, will differ depending on the their circumstances, the benefits they are claiming and changes to welfare policy.  However, you might want to consider whether young adults are:\nClaiming some that they are no longer entitled to;\nClaiming none that they are entitled to;\nClaiming some that they are entitled to; or\nClaiming all entitled benefits\n\nIf your intervention is seeking to maximise beneficiaries' income by supporting them to claim benefits, you might consider using changes to beneficiaries' income alongside other administration data (such as whether the advisor helped them to make a claim) to evidence this. Please get in touch with the Money Advice Service if you would like help with deciding how best to measure this outcome.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D25))),\"\")","v":""},"","","","","","",""]
[false,"Out","B4",26,"Behaviour","Managing money well day-to-day (maximising income)","YAs register for discounted tariffs they are entitled to","Uses discounted tariffs when eligible","Y","See notes to users:\nIt is important that young adults use any discounted tariffs they are entitled to, so that they are able to live adequately within their means and avoid problem debt. Households who are eligible for such tariffs (e.g. discounted fuel tariffs, single person Council Tax discount) must apply for them, and renew them when necessary. \n\nWe have not included a measure of this behaviour as the discounts an individual might claim will differ depending on the their circumstances:\nClaiming none that they are entitled to;\nClaiming some that they are entitled to; or\nClaiming all entitled discount schemes.","It is important that young adults use any discounted tariffs they are entitled to, so that they are able to live adequately within their means and avoid problem debt. Households who are eligible for such tariffs (e.g. discounted fuel tariffs, single person Council Tax discount) must apply for them, and renew them when necessary. \n\nWe have not included a measure of this behaviour as the discounts an individual might claim will differ depending on the their circumstances:\nClaiming none that they are entitled to;\nClaiming some that they are entitled to; or\nClaiming all entitled discount schemes","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D26))),\"\")","v":""},"","","","","","",""]
[false,"Out","B5",27,"Behaviour","Managing money well day-to-day (other)","YAs talk openly about money with family and other adults with an interest in their wellbeing","Talks about money with family openly","Y","How comfortable are you talking about money with your family or carers?\nCHOOSE ONE ONLY\n1. Very comfortable\n2. Fairly comfortable\n3. Not very comfortable\n4. Not comfortable at all\n5. Don't know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D27))),\"\")","v":""},"","","","","","",""]
[false,"Out","B5",28,"Behaviour","Managing money well day-to-day (other)","YAs talk openly about money with family and other adults with an interest in their wellbeing","Talks about money with other adults openly","Y","How comfortable are you talking about money with teachers, youth workers or other professionals?\nCHOOSE ONE ONLY\n1. Very comfortable\n2. Fairly comfortable\n3. Not very comfortable\n4. Not comfortable at all\n5. I do not do this\n6. Don't know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D28))),\"\")","v":""},"","","","","","",""]
[false,"Out","B5",29,"Behaviour","Managing money well day-to-day (other)","YAs talk openly about money with friends, peers, near-to-peer","Talks about money with friends and peers openly","N","How comfortable are you talking about money with friends your own age or older?\nCHOOSE ONE ONLY\n1. Very comfortable\n2. Fairly comfortable\n3. Not very comfortable\n4. Not comfortable at all\n5. Don't know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D29))),\"\")","v":""},"","","","","","",""]
[false,"Out","B5",30,"Behaviour","Managing money well day-to-day (other)","YAs avoid risky or illegitimate sources of income","Avoids risky or illegitimate sources of income\n","Y","Do you currently do any of the following to get money or increase your income?\nCHOOSE ALL THAT APPLY\n1. Gambling (e.g. poker, sports betting, slot machines)\n2. Dealing drugs or helping someone else to deal drugs\n3. Transferring stolen money between countries (sometimes known as money muling)\n4. Theft or fraud of any kind\n5. Working as a prostitute\n6. Working as an escort or exotic dancer\n7. None of these\n8. Don't know","You may wish to include additional response options to the list, prior to code 'None of these', where these are relevant to your service users.\n\n\nSome of these options contain sensitive topics and can be omitted if deemed unsuitable for any service users.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D30))),\"\")","v":""},"","","","","","",""]
[false,"Out","B6",31,"Behaviour","Preparing for and managing life events (saving)","YAs save for the short/medium term (e.g. they have money saved up, save up for bigger things they want to buy (e.g. a holiday or a car))","Has money saved up","Y","Do you know how much money you have in total in savings? This might include any money saved in a bank account, put away in a drawer or money box or given to someone to look after for you.\nCHOOSE ONE ONLY\n1. No \n2. Yes, roughly\n3. Yes, exactly\n4. I do not have any savings\n5. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D31))),\"\")","v":""},"","","","","","",""]
[false,"Out","B6",32,"Behaviour","Preparing for and managing life events (saving)","YAs save for the short/medium term (e.g. they have money saved up, save up for bigger things they want to buy (e.g. a holiday or a car))","Saves when they can","Y","When you get money, how often do you save at least some of it?  This might include putting it in a bank account, putting it away in a drawer or money box or giving it to someone to look after for you.\nCHOOSE ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know","The qualifier which explains what we mean by saving is repeated for other indicators. If asking several of these indicators, you might only need to include it once","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D32))),\"\")","v":""},"","","","","","",""]
[false,"Out","B6",33,"Behaviour","Preparing for and managing life events (saving)","YAs save for the short/medium term (e.g. they have money saved up, save up for bigger things they want to buy (e.g. a holiday or a car))","Saves up for the bigger things  ","Y","What is the longest time you have saved up towards something? This might include putting it in a bank account, putting it away in a drawer or money box or giving it to someone to look after for you.\nCHOOSE ONE ONLY\n1. I haven’t saved up money before\n2. Less than a week\n3. More than a week but less than month\n4. More than a month but less than a year\n5. More than a year\n6. Don’t know","The qualifier which explains what we mean by saving is repeated for other indicators. If asking several of these indicators, you might only need to include it once","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D33))),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N35,$D$3:$D$191,0),3),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N35,$D$3:$D$191,0),4),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N35,$D$3:$D$191,0),5),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N35,$D$3:$D$191,0),6),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N35,$D$3:$D$191,0),7),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N35,$D$3:$D$191,0),8),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N35,$D$3:$D$191,0),9),\"\")","v":""}]
[false,"Out","B6",34,"Behaviour","Preparing for and managing life events (saving)","YAs save actively (e.g. saving on a regular basis)","Frequency of saving and amount saved ","N","Which of these best describes how often you save money? This might include putting it in a bank account, putting it away in a drawer or money box or giving it to someone to look after for you?\nCHOOSE ONE ONLY\n1. Every month\n2. Most months\n3. Some months, but not others\n4. Rarely\n5. Never\n6. Don’t know\n\nIF EVER SAVES\nJust thinking about the months that you save money is the amount that you save…\n1. Roughly the same each time\n2. A little different each time\n3. Very different each time\n4. Don’t know\n\nIF EVER SAVES\nAbout how much on average do you personally manage to save each month, at the moment? \nENTER AMOUNT IN £\nVaries too much to say","The qualifier which explains what we mean by saving is repeated for other indicators. If asking several of these indicators, you might only need to include it once","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D34))),\"\")","v":""},"","","","","","",""]
[false,"Out","B6",35,"Behaviour","Preparing for and managing life events (saving)","YAs save actively (e.g. saving on a regular basis)","Number of expected and unexpected expenses ","Y","Here is a list of some of the reasons people have said they save. This might include putting it in a bank account, putting it away in a drawer or money box or giving it to someone to look after for you? Which, if any, of these are reasons why  you/you and your partner/spouse save?  \nCHOOSE ALL THAT APPLY\n1. To pay for planned expenses, purchases or events\n2. In case I have to pay for unexpected expenses/purchases\n3. For a rainy day generally\n4. In case my or my partner/spouse's income changes\n5. For my retirement (excluding paying into a pension)\n6. None of these \n7. Don’t know\n\nWhat planned expenses, purchases or events are you saving for?\nCHOOSE ALL THAT APPLY\n1.  Going travelling/going on holiday\n2. Buying a car/van/motorbike\n3. Buying a laptop, tablet or phone\n4. Household bills and payments\n5. Presents for birthdays, Christmas or other occasions\n6. Move out of parental home/get my own home\n7. Home maintenance or improvements\n8. Getting married/civil partnership\n9. Having children/raising a family\n10. Staying in education/further study/getting a qualification\n11. For children's future (e.g. education, setting up home)\n12. Retirement\n13. Something else (please specify)\nDon’t know","Practitioners can choose to use either question or both, remembering to include the preamble once.\n\nThis indicator is repeated for other outcomes. Only ask the questions once.\n\nThe qualifier which explains what we mean by saving is repeated for other indicators. If asking several of these indicators, you might only need to include it once.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D35))),\"\")","v":""},"","","","","","",""]
[false,"Out","B6",36,"Behaviour","Preparing for and managing life events (saving)","YAs are working towards financial goals \n(e.g. number of financial goals and level of plan for achieving goals)","Number of financial goals and level of plan for achieving goals","N","A) Which, if any, of the following goals would you like to achieve within the next 3 years?\nCHOOSE ALL THAT APPLY\n1. Stay in education/further study/get a qualification\n2. Go travelling/go on holiday/take a gap year\n3. Get a job/get a new job/progress in my career\n4. Rely less on my parents/carers for money \n5. Move out of parental home/get my own home\n6. Get a car/van/motorbike\n7. Do well in sports, music or the arts \n8. Get married /civil partnership/move in with a partner\n9. Have children/raise a family\n10. Pay off debts/reduce debts\n11. Save for retirement\n12. Something else (please specify)\n13. Nothing, I have no goals for the next 3 years\n14. Don't know \n\nFOR EACH OPTION CHOSEN ABOVE\nB) CHOOSE ONE ONLY\nHow much of a plan do you have about how you will achieve this goal financially? \n1. I do not have a plan\n2. I have a rough plan \n3. I have a clear plan\n4. I will not have to meet these costs\n5. Don't know","For paper based survey, consider presenting questions A and B in a grid format in order to capture the level of plan respondents have to achieve each of their goals. ","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D36))),\"\")","v":""},"","","","","","",""]
[false,"Out","B6",37,"Behaviour","Preparing for and managing life events (saving)","YAs are working towards financial goals \n(e.g. number of financial goals and level of plan for achieving goals)","Has plans for moving into work","N","ASK ONLY IF YOUNG ADULT PLANS TO GET A JOB/MOVE INTO EMPLOYMENT (INCLUDING APPRENTICESHIPS)\nThinking about when you will start work, how much of a plan do you have for each of the following?\na) The costs of getting to and from your place of work\nb) Paying for the clothes you will have to work in \nc) Paying for meals, drinks or snacks while at work\nd) The costs of any training or work experience you might need\ne) Paying into a pension\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. I do not have a plan\n2. I have a rough plan \n3. I have a clear plan\n4. I will not have to meet these costs\n5. Don't know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","Those looking to move into work",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D37))),\"\")","v":""},"","","","","","",""]
[false,"Out","B6",38,"Behaviour","Preparing for and managing life events (saving)","YAs are working towards financial goals \n(e.g. number of financial goals and level of plan for achieving goals)","Has plans for moving into further or higher education ","N","ASK ONLY IF YOUNG ADULT PLANS TO MOVE INTO FURTHER OR HIGHER EDUCATION\nThinking about when you go to college/university, how much of a plan do you have for each of the following?\na) Where you will live as a student next year\nb) How the tuition fees for your course will be  paid \nc) How you will pay for books or other materials to help with your studies\nd) How you will pay for living costs, such as food, transport or rent \n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. I do not have a plan\n2. I have a rough plan \n3. I have a clear plan\n4. I will not have to meet these costs\n5. Don't know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.\n","Those looking to move into further/higher education",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D38))),\"\")","v":""},"","","","","","",""]
[false,"Out","B6",39,"Behaviour","Preparing for and managing life events (saving)","YAs are working towards financial goals \n(e.g. number of financial goals and level of plan for achieving goals)","Has plans for repaying student debts ","N","ASK ONLY IF YOUNG ADULT IS IN FURTHER OR HIGHER EDUCATION\nHow much of a plan do you have for repaying the debts you have built up as a student?\nCHOOSE ONE ONLY\n1. I do not have a plan\n2. I have a rough plan \n3. I have a clear plan\n4. I will not have to meet these costs\n5. Don't know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.\n","Those completing further/higher education",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D39))),\"\")","v":""},"","","","","","",""]
[false,"Out","B6",40,"Behaviour","Preparing for and managing life events (saving)","YAs are saving for retirement (e.g. paying into a pension scheme, steps taken to ensure adequate income)","Pays into a pension scheme ","N","ASK ONLY IF YOUNG ADULT IS IN PAID WORK\nAre you currently paying into one or more pensions? This can include an employer or any other type of private pension\nCHOOSE ONE ONLY\n1. Yes\n2. No\n3. Don’t know",null,"Those in paid work",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D40))),\"\")","v":""},"","","","","","",""]
[false,"Out","B6",41,"Behaviour","Preparing for and managing life events (saving)","YAs are saving for retirement (e.g. paying into a pension scheme, steps taken to ensure adequate income)","Takes steps to ensure adequate income in retirement","N","ASK ONLY IF YOUNG ADULT IS IN PAID WORK\nPRE. In the last [X months], which of the following have you done in relation to your pension or retirement income?\nPOST. Since [reference point], which of the following have you done in relation to your pension or retirement income? \n\nCHOOSE ALL THAT APPLY\n1. Checked whether my income will be enough to meet my needs in retirement\n2. Increased how much I am paying towards my retirement income\n3. I don't have a pension / source of retirement income\nDon't know","At PRE: You will need to insert a reference period at [X months] to something which is relevant to your service (e.g. 'three months', 'six weeks').\n\nAt POST: You will need to insert a reference period at [reference point] to something which is relevant to your service (e.g. 'since the workshop', 'or since you last saw us').\n","Those in paid work",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D41))),\"\")","v":""},"","","","","","",""]
[false,"Out","B7",42,"Behaviour","Preparing for and managing life events (resilience)","YAs are able to withstand a significant financial shock  \n(e.g. have appropriate insurance)","Has appropriate insurance","N","Which, if any, of the following types of insurance do you have? This might be something you have bought yourself or that you know someone else has bought for you.\nCHOOSE ALL THAT APPLY\n1. Home insurance (covering contents and/or the building)\n2. Insurance for specific items or needs (e.g. car, travel) \n3. Any other type of insurance (e.g. mobile phone)\n4. None of these\n5. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D42))),\"\")","v":""},"","","","","","",""]
[false,"Out","B7",43,"Behaviour","Preparing for and managing life events (resilience)","YAs are able to withstand a significant financial shock  \n(e.g. have appropriate insurance)","Has longer term savings products ","N","Do you currently have savings or investments in any of the following?\nCHOOSE ALL THAT APPLY\n1. In a savings account or ISA\n2. In a cash / money box\n3. In a credit union account\n4. In a savings club (e.g. Christmas savings club)\n5. Premium bonds\n6. In a current account/basic bank account\n7. In investments/stocks & shares\n8. I do not have any savings\n9. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D43))),\"\")","v":""},"","","","","","",""]
[false,"Out","B7",44,"Behaviour","Preparing for and managing life events (resilience)","YAs are saving for expected and unexpected expenses","Number of expected and unexpected expenses ","N","Here is a list of some of the reasons people have said they save. This might include putting it in a bank account, putting it away in a drawer or money box or giving it to someone to look after for you?\nA) Which, if any, of these are reasons why  you/you and your partner/spouse save?  \nCHOOSE ALL THAT APPLY\n1. To pay for planned expenses, purchases or events\n2. In case I have to pay for unexpected expenses/purchases\n3. For a rainy day generally\n4. In case my or my partner/spouse's income changes\n5. For my retirement (excluding paying into a pension)\n6. None of these \n7. Don’t know\n\nB) What planned expenses, purchases or events are you saving for?\nCHOOSE ALL THAT APPLY\n1.  Going travelling/going on holiday\n2. Buying a car/van/motorbike\n3. Buying a laptop, tablet or phone\n4. Household bills and payments\n5. Presents for birthdays, Christmas or other occasions\n6. Move out of parental home/get my own home\n7. Home maintenance or improvements\n8. Getting married/civil partnership\n9. Having children/raising a family\n10. Staying in education/further study/getting a qualification\n11. For children's future (e.g. education, setting up home)\n12. Retirement\n13. Something else (please specify)\nDon’t know","Practitioners can choose to use either question or both, remembering to include the preamble once.\n\nThis indicator is repeated for other outcomes. Only ask the questions once.\n\nThe qualifier which explains what we mean by saving is repeated for other indicators. If asking several of these indicators, you might only need to include it once.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D44))),\"\")","v":""},"","","","","","",""]
[false,"Out","B7",45,"Behaviour","Preparing for and managing life events (resilience)","Increasing the total amount saved (e.g. amount in personal savings and investments excluding in pension)","Amount held in savings","Y","I'd like to ask you about your savings. This might include putting it in a bank account, putting it away in a drawer or money box or giving it to someone to look after for you?\nAbout how much do you currently have in savings or investments? \nCHOOSE ONE ONLY\n1. £25 or less\n2 £26 - £50\n3. £51 - £100\n4. £101 - £250\n5. £251 - £500\n6. £501 - £1,000\n7. £1,001 - £9,999\n8. £10,000 or more\n9. I do not have any savings or investments\n10. Don’t know\n\nAnd is the amount you have in savings or investments increasing, decreasing or staying about the same over time?\n1. Increasing\n2. Decreasing\n3. Staying about the same\n4. I do not have any savings or investments\n5. Don't know","Practitioners can choose to use either question or both, remembering to include the preamble once.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D45))),\"\")","v":""},"","","","","","",""]
[false,"Out","B8",46,"Behaviour","Managing credit use/borrowing/debt","YAs use credit responsibly/sensibly \n(e.g. method of credit card repayment/ maintaining their overdrafts at manageable levels)","Total unsecured borrowing","Y","ASK ONLY IF UNDER 18:\nAdding up all of  the money you have borrowed from friends, family or anyone else, about how much do you owe in total? \n\nASK ONLY IF 18 or OVER:\nAdding up all of  the money you have borrowed, from friends or family, overdrafts, balances on credit or store cards, hire purchase and any other types of loans, about how much do you owe in total? Please do not include any loans from the Student Loans Company\n1. I do not have any borrowing\n2. ENTER AMOUNT IN £\n3. Don't know","When analysing this data, be aware that borrowing is not always a bad, when at an affordable level. Also it is worth taking into account payment cycles when interpreting your results. Regular credit card users, for example, who pay off their credit cards in full each month, may show an increase in levels of borrowing if the pre measure is taken immediately after making a payment and the post measure is taken just before their payment is due.  Please get in touch if you would like advice on how to manage this. ","Those who have borrowing commitments",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D46))),\"\")","v":""},"","","","","","",""]
[false,"Out","B8",47,"Behaviour","Managing credit use/borrowing/debt","YAs use credit responsibly/sensibly \n(e.g. method of credit card repayment/ maintaining their overdrafts at manageable levels)","Repays credit cards","Y","ASK ONLY IF 18 or OVER:\nIf you have a credit card or store card, how do you generally handle paying the bill each month ? \nCHOOSE ONE ONLY\n1. Pay the full balance every month\n2. Pay the full balance most months\n3. Pay less than the full balance but more than the minimum payment most months\n4. Pay only the minimum payment most months\n5. Someone else pays it for me\n6. I have a credit or store card but the balance is zero\n7. I do not have any credit or store cards\n8. Don’t know",null,"Those aged 18+ ",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D47))),\"\")","v":""},"","","","","","",""]
[false,"Out","B8",48,"Behaviour","Managing credit use/borrowing/debt","YAs use credit responsibly/sensibly \n(e.g. method of credit card repayment/ maintaining their overdrafts at manageable levels)","Manages the overdraft agreed","Y","A) Does your bank account have an overdraft facility?\nCHOOSE ONE ONLY\n1. Yes\n2. No\n3. I don't have a bank account\n4. Don't know\n\n[IF YES]\nB) Which of the following best describes the overdraft on your bank account?\nCHOOSE ONE ONLY\n1. I have money in my account and am not using my overdraft\n2. I am using my overdraft but am well within my overdraft limit\n3. I am close to my overdraft limit\n4. I have gone over my overdraft limit\n5. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D48))),\"\")","v":""},"","","","","","",""]
[false,"Out","B8",49,"Behaviour","Managing credit use/borrowing/debt","YAs are not relying on high-cost, informal or illegal forms of credit","Does not use high-cost or informal borrowing","Y","ASK ONLY IF UNDER 18:\nA) Thinking about the last six months, have you borrowed any money from a friend or family member?\nCHOOSE ONE ONLY\n1. Yes\n2. No\n4. Don't know\n\nASK IF YES at A)\nB) And did you have to pay interest on any of the money you borrowed? By paying interest we mean when you are asked to pay back more than you borrowed\nCHOOSE ONE ONLY\n1. Yes\n2. No\n4. Don't know\n\nASK ONLY IF 18 or OVER:\nA) Which, if any, of the following have you done in the last 6 months?\nCHOOSE ALL THAT APPLY\n1. Borrowed money from a friend or family member \n2. Borrowed money from somewhere else\n3. Neither of these\n4. Don't know\n\nONLY ASK IF OPTION 1 at A)\nB) Thinking about the money you have borrowed from friends or family in the last 6 months, did you have to pay interest on the amount you borrowed? By paying interest we mean [when you are asked to pay back more than you borrowed\nCHOOSE ONE ONLY\n1. Yes\n2. No\n3. Don't know\n\nONLY ASK IF OPTION 2 at A)\nC) Thinking about the money you have borrowed from somewhere else in the last 6 months, which, if any, of the following have you used?\nCHOOSE ALL THAT APPLY\n1. A payday loan\n2. A doorstep loan\n3. A credit card for people with a poor credit rating\n4. Something bought from a ‘rent-to-own’ store (e.g. BrightHouse)\n5. A loan from a pawnbroker\n6. A loan from an illegal lender\n7. Other/None of the above\n8. Don't know","You may wish to amend the suggested period of [six months] to something which is relevant to your service or service users (e.g. 'three months', 'six weeks').\n\nChoose the most appropriate set of questions to ask based on the age of your beneficiary and then follow the instructions at B) and C) as appropriate.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D49))),\"\")","v":""},"","","","","","",""]
[false,"Out","B8",50,"Behaviour","Managing credit use/borrowing/debt","YAs take steps to tackle debt  (e.g. have a plan to pay down debt, reduce the value of unsecured borrowing,  tackle problem debt)","Has plans for paying down the amount of debt ","N","ASK ONLY IF HAS SOME BORROWING\nHow much of a plan do you have about how you will pay off or reduce what you owe?\nCHOOSE ONE ONLY\n1. I do not have a plan\n2. I have a rough plan \n3. I have a clear plan\n4. I will not have to meet these costs\n5. Don't know",null,"Those who have borrowing commitments",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D50))),\"\")","v":""},"","","","","","",""]
[false,"Out","B8",51,"Behaviour","Managing credit use/borrowing/debt","YAs take steps to tackle debt  (e.g. have a plan to pay down debt, reduce the value of unsecured borrowing,  tackle problem debt)","Takes steps to tackle problem debt","Y","ASK ONLY IF AGED 18+ AND HAS SOME BORROWING\nPRE-INTERVENTION: In the last [X months], which of the following steps have you taken to reduce the amount of money you owe? This includes any debts you haven’t paid or late/unpaid bills and credit commitments.\nPOST-INTERVENTION: Since [reference point], which of the following steps have you taken to reduce the amount of money you owe? This includes any debts you haven’t paid  or late/unpaid bills and credit commitments.\n\nCHOOSE ALL THAT APPLY\n1. Increased regular payments\n2. Paid a lump sum towards them\n3. Spoken to the company/companies the money is owed to\n4. Taken independent advice (e.g. from Citizen's Advice Bureau, StepChange, Money Advice Service)\n5. Consolidated loans or credit cards \n6. Set up a Debt Management Plan or Debt Payment Plan\n7. Arranged to write off some or all debts (e.g. applied for bankruptcy or a debt relief order, or set up an IVA or Trust Deed)\n8. Other (specify)\n9. None of these, but have debts\n10. I do not have any debts\n11. Don't know","You may wish to include additional response options to the list, prior to code 'None of these', where these are relevant to their service. The scoring reflects both the nature and sustainability of the option.\n\nAt PRE-INTERVENTION: You will need to insert a reference period at [X months] to something which is relevant to your intervention (e.g. 'three months', 'six weeks').\n\nAt POST-INTERVENTION: You will need to insert a reference period at [reference point] to something which is relevant to your intervention (e.g. 'since the workshop', 'or since you last saw us').\n","Those aged 18+ and who have borrowing commitments",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D51))),\"\")","v":""},"","","","","","",""]
[false,"Out","B8",52,"Behaviour","Managing credit use/borrowing/debt","YA who borrow from friends and family take steps to manage/repay these loans","Takes steps to repay borrowing from friends and family","N","Which, if any, of the following steps are you taking to pay off or reduce the money you owe to friends and family?\nCHOOSE ALL THAT APPLY\n1. Making regular payments\n2. Paying a large amount whenever I can\n3. Paying small amounts whenever I can\n4. None of these\n5. I do not owe friends or family any money\n6. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D52))),\"\")","v":""},"","","","","","",""]
[false,"Out","B8",53,"Behaviour","Managing credit use/borrowing/debt","YA take steps to repay student loans","Takes steps to repay Student Loan Company Loans","N","ASK ONLY IF IS IN PAID WORK AND HAS A STUDENT LOAN FROM THE STUDENT LOANS COMPANY \nHow are you paying off the money you owe to the Student Loans Company?\nCHOOSE ALL THAT APPLY\n1. Compulsory payments are taken directly from my income\n2. Through regular voluntary overpayments\n3. Through occasional voluntary overpayments\n4. I am not earning enough to make repayments \n5. I do not need to pay until the next tax year\n6. I no longer have a loan from the Student Loans Company\n7. I did not take out a loan from the Student Loans Company\n8. Don't know ",null,"Those who have a loan from the Student Loans Company",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D53))),\"\")","v":""},"","","","","","",""]
[false,"Out","B9",54,"Behaviour","Managing mobile phones","YA manage their mobile phone use effectively","Keeps track of mobile phone","N","How closely do you keep track of the cost of using your mobile phone?\nCHOOSE ONE ONLY\n1. Very closely\n2. Fairly closely\n3. Not very closely\n4. Not closely at all\n5. I do not have a mobile phone\n7. Don't know ",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D54))),\"\")","v":""},"","","","","","",""]
[false,"Out","B10",55,"Behaviour","Proactively seeking advice and guidance ","YAs actively seek advice and guidance\n(e.g. recency of seeking advice; regularity of using online information)","Recent guidance and advice seeking ","Y","PRE: In the last [X months], which of these have you used for information or advice about money?\nPOST: Since [reference point] which of these have you used for information or advice about money?\n\nCHOOSE ALL THAT APPLY\n1. Family \n2. Friends\n3. Staff at you school/college/university\n4.  Youth worker, social worker, Personal Adviser, or community/faith worker\n5. Landlord, estate agent or housing officer\n6. Staff at a bank, building society or credit unions\n7. Accountant, broker or other financial adviser\n8. Solicitor or lawyer\n9. Staff at a Job Centre Plus, Benefits or Tax Office\n10. Staff at a free money advice agency (e.g. Money Advice Service, Citizens Advice, CAB, StepChange, National Debtline)\n11. An insolvency specialist or other person charging a fee\n12. Money advice websites (e.g. Money Saving Expert/Martin Lewis, moneysupermarket.com)\n13. Something else (specify)\n14. None of these\n15. Don't know","At PRE: Users will need to insert a reference period at [X months] to something which is relevant to your service (e.g. 'three months', 'six weeks').\n\nAt POST: Users will need to insert a reference period at [reference point] to something which is relevant to your service (e.g. 'since the workshop', 'or since you last saw us').\n\nBe aware that seeking advice and the sources of advice used will depend on the beneficiary's need. A lack of advice seeking will not always indicate poor financial capability.\n\nUsers may wish to add additional sources relevant to their services.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D55))),\"\")","v":""},"","","","","","",""]
[false,"Out","B10",56,"Behaviour","Proactively seeking advice and guidance ","YAs actively seek advice and guidance\n(e.g. recency of seeking advice; regularity of using online information)","Regularly seeks advice and guidance online ","Y","How often in the last [six months] have you gone online for the following?\na) For information or advice on a financial product\nb) To compare financial products to find the best deal for you\n\nFor each statement: CHOOSE ONE ONLY\n1. Every day\n2. Every week\n3. Every few weeks\n4. Every few months\n5. Never \n6. Don’t know","You can replace [six months] with a reference period which relates to your service. \n\nYou may additionally wish to use only those statements which are relevant to your service.\n\nYou should be aware that seeking advice and the sources of advice used will depend on the beneficiary's need. A lack of advice seeking will not always indicate poor financial capability.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D56))),\"\")","v":""},"","","","","","",""]
[false,"Out","C1",57,"Connection","Access to and use of financial products and advice","YAs have access to appropriate financial products which meet their needs via appropriate channels (e.g. types of banking products held)","Types of banking products held","Y","Which of the following types of everyday accounts do you have, if any, either in your own name or jointly with someone else? These might be held with a bank, building society, credit union or post office. \nCHOOSE ALL THAT APPLY\n1. Current account (usually offered with an overdraft facility, even if you don't want one)\n2. Basic Bank Account (normally without an overdraft facility)\n3. Post Office Card Account (for receiving your pension, benefits or tax credits) \n4. A saving deposit account (e.g. an instant access or notice account, including cash ISA)\n5. I have an account but I don't know which type\n6. None of these\n7. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D57))),\"\")","v":""},"","","","","","",""]
[false,"Out","C1",58,"Connection","Access to and use of financial products and advice","YAs have access to appropriate financial products which meet their needs via appropriate channels (e.g. types of banking products held)","Has access to and use a debit card linked to their current account",null,"Does your bank account come with debit card? A debit card normally lets you to pay or things in shops and online and take out cash directly from your bank account.\nCHOOSE ONE ONLY\n1.Yes\n2. No\n3. I do not have a bank account \n3. Don't know\n\nASK ONLY IF HAS DEBIT CARD\nIn which of the following ways, if any, do you use you debit card?\nCHOOSE ALL THAT APPLY\n1. To pay for things in shops\n2. To pay for things online\n3. To get cash at a cash machine/ATM\n4. To get cash over the counter at a bank\n5. To get cash back from a shop\n6. To set up a regular payment to a company or person\n7. None of these\n8. Don't know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D58))),\"\")","v":""},"","","","","","",""]
[false,"Out","C1",59,"Connection","Access to and use of financial products and advice","YAs have the physical and technical ability to access appropriate products and advice \n(e.g. via appropriate channels, in a form and language they understand) ","Has the physical ability to access appropriate financial products which meet their needs via appropriate channels","Y","How easy or difficult is it for you to do each of the following things?\na) Get to a Cash point using your normal forms of transport\nb) Get to a Bank, building society or credit union using your normal forms of transport\nc) Get to a Post Office using your normal forms of transport\nd) Prove your identity using official documents (e.g. passport, identity card, driving licence, household bills) \ne) Receive confidential financial documents by post, such as a payment card or chequebook\n\nFor each statement: CHOOSE ONE ONLY\n1.Very easy\n2.Quite easy\n3.Quite difficult\n4.Very difficult\n5.Unable to do this\n6.Do not wish to do this\n7.Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D59))),\"\")","v":""},"","","","","","",""]
[false,"Out","C1",60,"Connection","Access to and use of financial products and advice","YAs have the physical and technical ability to access appropriate products and advice \n(e.g. via appropriate channels, in a form and language they understand) ","Has the technical ability to access appropriate financial products which meet their needs via appropriate channels","Y","In which of the following ways, if any, can you use the internet when you need to access information about financial products (such as bank accounts, credit cards or insurance)?\nCHOOSE ALL THAT APPLY\n1. At home, using a computer or laptop\n2. At home, using a mobile phone, tablet or internet-enabled TV\n3. At work, college or at a friend or relative's home\n4. In a library, community centre or other public setting\n5. Somewhere else\n6. Do not use the internet\n7. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D60))),\"\")","v":""},"","","","","","",""]
[false,"Out","C1",61,"Connection","Access to and use of financial products and advice","YAs have the physical and technical ability to access appropriate products and advice \n(e.g. via appropriate channels, in a form and language they understand) ","Has the technical ability to use the Internet","Y","How would you rate your ability to use the Internet?\nCHOOSE ONE ONLY\n1. Excellent\n2. Good\n3. Fair\n4. Poor\n5. Bad\n6. Don’t know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D61))),\"\")","v":""},"","","","","","",""]
[false,"Out","C1",62,"Connection","Access to and use of financial products and advice","YAs have the physical and technical ability to access appropriate products and advice \n(e.g. via appropriate channels, in a form and language they understand) ","Has the physical ability to access financial advice, guidance and tools which meet their needs in a form and language they can understand, and channel they can use effectively","Y","How easy or difficult is it for you to do each of the following things?\na) Get to a professional adviser for advice about money matters using your normal forms of transport\nb) Get to a Jobcentre Plus or local benefit office using your normal forms of transport\nc) Use a telephone in private to discuss money matters\nd) Receive confidential financial information by post\n\nFor each statement: CHOOSE ONE ONLY\n1.Very easy\n2.Quite easy\n3.Quite difficult\n4.Very difficult\n5.Unable to do this\n6.Do not wish to do this\n7.Don't know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D62))),\"\")","v":""},"","","","","","",""]
[false,"Out","C1",63,"Connection","Access to and use of financial products and advice","YAs have the physical and technical ability to access appropriate products and advice \n(e.g. via appropriate channels, in a form and language they understand) ","Has the technical ability to access financial advice, guidance and tools which meet their needs in a form and language they can understand, and channel they can use effectively","N","In which of the following ways, if any, can you use the internet when you need to access information about money or your finances?\nCHOOSE ALL THAT APPLY\n1. At home, using a computer or laptop\n2. At home, using a mobile phone, tablet or internet-enabled TV\n3. At work, college or at a friend or relative's home\n4. In a library, community centre or other public setting\n5. Somewhere else\n6. Do not use the internet\n7. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D63))),\"\")","v":""},"","","","","","",""]
[false,"Out","C1",64,"Connection","Access to and use of financial products and advice","YAs receive advice and guidance from their family, teachers and other sources (e.g. around money, career and education options, and financing FE)","Receive money advice and guidance from their family, teachers and other appropriate sources around money","Y","How often do the following people talk to you about money?\na) Your parents or carers\nb) Staff at your school/college/university\nc) Other professionals (e.g. youth workers, work colleagues)\n\nFor each statement: CHOOSE ONE ONLY\n1. Never\n2. Rarely\n3. Sometimes\n4. Often\n5. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D64))),\"\")","v":""},"","","","","","",""]
[false,"Out","C1",65,"Connection","Access to and use of financial products and advice","YAs receive advice and guidance from their family, teachers and other sources (e.g. around money, career and education options, and financing FE)","Receive advice and guidance from their family, teachers and other appropriate sources on their education and career options",null,"How confident are you that you know who to turn to for advice about education and careers?\nCHOOSE ONE ONLY\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n5. Don't know\n\nWhich of the following people have given you advice about your education, training and career options. \nCHOOSE ALL THAT APPLY\n1. Parents or carers\n2. Other family members\n3. Friends\n4. A careers adviser or careers teacher at school/college/university\n5. Other teachers at school/college/university\n6. Other adults (e.g. youth workers, work colleagues)\n7. A careers adviser outside school/college/university \n8. Someone else (specify)\n9. No-one\n10. Don't know","Other indicators use the same response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D65))),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N67,$D$3:$D$191,0),3),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N67,$D$3:$D$191,0),4),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N67,$D$3:$D$191,0),5),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N67,$D$3:$D$191,0),6),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N67,$D$3:$D$191,0),7),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N67,$D$3:$D$191,0),8),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N67,$D$3:$D$191,0),9),\"\")","v":""}]
[false,"Out","C1",66,"Connection","Access to and use of financial products and advice","YAs receive advice and guidance from their family, teachers and other sources (e.g. around money, career and education options, and financing FE)","Know where to go for advice and guidance on finance options to fund further education (14-16)",null,"If you needed advice and information about the different options for paying for education in the future where would you go?\nCHOOSE ALL THAT APPLY\n1. Parents or carers\n2. Friends\n3. Other family members\n4. Staff at your school/college/university\n5. Other adults (e.g. youth workers, work colleagues)\n6. Online (e.g. YouTube, Money Saving Expert)\n7. A bank, building society or other financial organisation\n8. TV programmes\n9. Somewhere else (specify)\n10. I would not ask for advice about paying for education\n11. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D66))),\"\")","v":""},"","","","","","",""]
[false,"Out","C2",67,"Connection","Exposure to family/peer finances","YAs witness financial transactions and processes (e.g. awareness of the range of bills to be paid)","Aware of the range of regular household bills to be paid (e.g. rent/mortgage, gas, electricity, council tax)","N","ASK ONLY IF LIVING WITH PARENTS/CARERS  OR IN A CARE SETTING\nWhich of the following things do people normally pay for, and which are normally free?\na) Rent\nb) Electricity at home\nc) Water at home\nd) Visits to a GP or hospital\ne) Council Tax [Rates]\nf) Internet/broadband at home\ng) Borrowing a library book\n\nFor each statement: CHOOSE ONE ONLY\n1. Pay for\n2. Get for free\n3. Don't know","At e) delete Rates for England, Scotland or Wales and delete Council Tax in Northern Ireland","Those living in a supported environment (home/statutory care)",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D67))),\"\")","v":""},"","","","","","",""]
[false,"Out","C2",69,"Connection","Exposure to family/peer finances","YA have access to money guidance from family/guardians/carers","Find it easy to access money guidance from family","Y","Imagine you needed advice about your money. How easy or difficult would you find it to ask a parent or carer or other family member for advice?\nCHOOSE ONE ONLY\n1.Very easy\n2.Quite easy\n3.Quite difficult\n4.Very difficult\n5. I would not ask a parent/carer or other family member for advice\n6.Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D69))),\"\")","v":""},"","","","","","",""]
[false,"Out","C2",70,"Connection","Exposure to family/peer finances","YA do not over-rely on family/guardians/carers to help them manage their money","Does not over-rely on family support to manage their money","N","Which if any of the following people help you manage your money day to day?\nCHOOSE ALL THAT APPLY\n1. My parents or carers\n2. My partner\n3. My friends\n4. Someone else\n5. No-one else, just me\n6. I do not have money of my own",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(#REF!))),\"\")","v":""},"","","","","","",""]
[false,"Out","C2",71,"Connection","Exposure to family/peer finances","Exposure to family/peer finances","Responsible for managing household finances","N","Overall, who is mainly responsible for making sure that household bills and other payments get paid? This is the person who makes sure it happens, not necessarily the person whose money it is.\nCHOOSE ALL THAT APPLY\n1. My parents or carers\n2. My partner\n3. My friends\n4. Someone else\n5. No-one else, just me\n6. I do not have money of my own",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D70))),\"\")","v":""},"","","","","","",""]
[null,"Out","C2",72,"Connection","Exposure to family/peer finances","YA do not rely on money guidance from peers","Does not only rely on money guidance from friends","N","How much are you influenced by advice and information about money from your friends?\nCHOOSE ONE ONLY\n1. A lot\n2. A little\n3. Not very much\n4. Not at all\n5. My friends do not give me advice or information about money\n6. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D71))),\"\")","v":""},"","","","","","",""]
[false,{"$f":"IF(A74=TRUE,\"In\",\"Out\")","v":"Out"},"C2",73,"Connection","Exposure to family/peer finances","YAs are involved in discussions and decisions about household spending\n(e.g. around the weekly shop)","Involved in everyday household spending decisions\n","N","ASK ONLY IF LIVING WITH PARENTS/CARERS OR IN A CARE SETTING\nDo you get to help choose the following?\n- Family days out or holidays \n- What to buy in the weekly food shop\n\nFor each statement: CHOOSE ONE ONLY\n1. Yes\n2. No\n3. Don't know",null,"Those living in a supported environment (home/statutory care)",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D72))),\"\")","v":""},"","","","","","",""]
[false,"Out","C3",74,"Connection","Experience of managing your own money (and the risks that come with it)","YAs have their own regular source of money \n(e.g. from an allowance, or job or student maintenance loan)","Has a regular source of income","Y","Which of the following are your regular sources of income? \nCHOOSE ALL THAT APPLY\n1. Work or a part-time job (including apprenticeships) \n2. Benefits payments (e.g. Universal Credit, Job Seekers Allowance)\n3. Allowance or pocket money from parents, carers or other family members\n4. Student maintenance loan\n5. Any other type of borrowing (e.g. loans, overdrafts, credit cards, or from friends and family)\n6. By selling things online or somewhere else\n7. Any other source\n9. I do not have any regular income\n10. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D73))),\"\")","v":""},"","","","","","",""]
[false,"Out","C3",75,"Connection","Experience of managing your own money (and the risks that come with it)","YAs have responsibility for managing their own money \n(e.g. looking after their money, decisions around spending and saving, responsibility for paying for things from their own money)","Decide how to spend their money","Y","ASK ONLY IF LIVING WITH PARENTS/CARERS OR IN A CARE SETTING\nCan you spend your own money without the permission of your parents or carers? \nCHOOSE ONE ONLY\n1. Yes\n2. No\n3. I don't have money of my own\n4. Don't know\n\nASK ONLY IF LIVING WITH PARENTS OR CARE SETTING\nDo your parents or carers control the amount of money you spend?\nCHOOSE ONE ONLY\n1. Yes\n2. No\n3. I don't have money of my own\n4. Don't know",null,"Those living in a supported environment (home/statutory care)",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D74))),\"\")","v":""},"","","","","","",""]
[false,"Out","C3",76,"Connection","Experience of managing your own money (and the risks that come with it)","YAs are given experience of choosing their own financial products (e.g. (help) choose and set up a savings account, mobile phone providers and package)","Choose and set up their own current and savings accounts or have been involved in the decision-making","N","How involved are you in the following decisions about your money? \n- Choosing my bank or savings account\n\nCHOOSE ONE ONLY\n1. Fully involved \n2. Partly involved \n3. Not at all involved\n4. Do not have a bank or savings account\n5. Don't know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D75))),\"\")","v":""},"","","","","","",""]
[null,"Out","C3",77,"Connection","Experience of managing your own money (and the risks that come with it)","YAs are given experience of choosing their own financial products (e.g. (help) choose and set up a savings account, mobile phone providers and package)","Choose and set up their own mobile phone provider and package (if they own a mobile phone)","N","How involved are you in the following decisions about your money? \n- The cost of your mobile phone call and data package \n\nCHOOSE ONE ONLY\n1. Fully involved \n2. Partly involved \n3. Not at all involved\n4. Do not have a bank or savings account\n5. Don't know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D76))),\"\")","v":""},"","","","","","",""]
[null,"Out","C3",78,"Connection","Experience of managing your own money (and the risks that come with it)","YAs have experience of paying for goods and activities without supervision (e.g. including online/app payments)","Pay for things online (such as apps, games or music) without supervision","Y","Have you ever paid for something online by yourself?\nCHOOSE ONE ONLY\n1. Yes, often\n2. Yes, once or twice\n3. No, never\n4. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D77))),\"\")","v":""},"","","","","","",""]
[null,"Out","M1",79,"Mindset","Attitudes to money management (mm awareness)","YA believe it's important to manage your money well and think carefully about how you spend it","YA believe it is important to keep track of their money","Y","At the moment, how important do you think it is to keep track of how much money you have?\nCHOOSE ONE ONLY\n1.Very important\n2.Quite important\n3. Neither important nor unimportant\n4. Not very important\n5. Not at all important\n6. Don’t know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D78))),\"\")","v":""},"","","","","","",""]
[null,"Out","M2",80,"Mindset","Attitudes to money management (saving vs spending/prioritising)","YA believe it's important to manage your money well and think carefully about how you spend it","YA think it's important to shop around for things that they need and look for the best deals in order to make their money go further","Y","How important do you think it is to shop around when making a purchase?\nCHOOSE ONE ONLY\n1.Very important\n2.Quite important\n3. Neither important nor unimportant\n4. Not very important\n5. Not at all important\n6. Don’t know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D79))),\"\")","v":""},"","","","","","",""]
[null,"Out","M2",81,"Mindset","Attitudes to money management (saving vs spending/prioritising)","YA believe it's important to manage your money well and think carefully about how you spend it","YA think it's important to shop around for things that they need and look for the best deals in order to make their money go further","Y","A) Imagine you want to buy something new. What are you most likely to do?' \nCHOOSE ONE ONLY\n1. Buy the item from the first shop I look in/first website I click on\n2. Look around a few different shops/websites to see where it is cheapest\n3. Look to see if I can find a discount or promotional code that applies\n4. Something else (specify)\n5. Don't know\n\nB) How can you make sure you get a good deal when buying something?\nCHOOSE ALL THAT APPLY\n1. Buy the first thing you see\n2. Compare prices in different shops or online\n3. Buy second hand\n4. Buy non-branded goods\n5. Only buy the things you really need\n6. Wait for things you want to go on sale\n7. Look for a discount or promotional code\n8. Get someone else to buy it for you\n9.Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D80))),\"\")","v":""},"","","","","","",""]
[null,"Out","M2",82,"Mindset","Attitudes to money management (saving vs spending/prioritising)","YA believe it's important to manage your money well and think carefully about how you spend it","YA think it is important to switch suppliers","Y","And how much do you agree or disagree with the following statement?\n - There's no point switching things like insurance, mobile phone contracts or bank accounts, it's not worth the hassle\n\nCHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D81))),\"\")","v":""},"","","","","","",""]
[null,"Out","M2",83,"Mindset","Attitudes to money management (saving vs spending/prioritising)","YA think it's good to plan for the future and save up for things","YA prefer to plan for the future rather than live for the day when it comes to their money","Y","Here are some statements about managing money. Please tell me how strongly you agree or disagree with them.\na) I hate to borrow – I would much rather save up in advance\nb)  When it comes to money I prefer to live for today rather than plan for the future\n\nCHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know","Other indicators use the same response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D82))),\"\")","v":""},"","","","","","",""]
[null,"Out","M2",84,"Mindset","Attitudes to money management (saving vs spending/prioritising)","YA think it's good to plan for the future and save up for things","YA think that saving money for larger purchases is important for them to do ","Y","Imagine you want to buy something expensive which you can't afford right away. How would you most likely get the money?\nCHOOSE ONE ONLY\n1. I would borrow money from my friends or family\n2. My parent(s) /carer(s) would pay for it\n3. Someone else would pay for it\n4. I would save some money every week or month for it\n5. I would go overdrawn, use my credit card or take out a loan\n6. I would just not buy it\n7. Some other way (specify)\n8. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D83))),\"\")","v":""},"","","","","","",""]
[null,"Out","M2",85,"Mindset","Attitudes to money management (saving vs spending/prioritising)","YA think it's good to plan for the future and save up for larger purchases/future needs (as opposed to living just for the day). Preference for savings vs borrowing","YA think it's important for them to save for the future ","Y","At the moment, how important do you think it is for you to save up your money for the future in general?\nCHOOSE ONE ONLY\n1.Very important\n2.Quite important\n3. Neither important nor unimportant\n4. Not very important\n5. Not at all important\n6. Don’t know","Other indicators use the same response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D84))),\"\")","v":""},"","","","","","",""]
[null,"Out","M2",86,"Mindset","Attitudes to money management (saving vs spending/prioritising)","YA think it's good to plan for the future and save up for larger purchases/future needs (as opposed to living just for the day). Preference for savings vs borrowing","YA understand that money should not be spent just because you have it","Y","A) Imagine someone gives you £50. How much would you spend straight away?   \nB) Now imagine someone gives you £150. How much would you spend straight away?  \nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. All of it\n2. More than half\n3. About half\n4. Less than half \n5. None of it\n6. Don't know \n\nC) If you have money left over at the end of the week or month, do you save or spend it?\nCHOOSE ONE ONLY\n1. Save it\n2. Spend it\n3. A bit of both\n4. I never have any money left over\n5. I don't have money of my own\n6. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D85))),\"\")","v":""},"","","","","","",""]
[null,"Out","M2",87,"Mindset","Attitudes to money management (saving vs spending/prioritising)","YA accept that they cannot have everything they want and that everyone has to make trade-offs with their money","YA are able to abstain from/delay spending in order to live within their means and save for the future","Y","How much do you agree or disagree with each of the following statements?  \n a) I tend to buy things even when I can’t really afford them\nb)  I tend to live for today and let the future take care of itself  \nc)  I find it more satisfying to spend money than to save it for the long term \n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Strongly agree\n2. Slightly agree\n3. Slightly disagree\n4. Strongly disagree\n5. Don’t know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D86))),\"\")","v":""},"","","","","","",""]
[null,"Out","M3",88,"Mindset","Attitudes to money management (borrowing/credit/debt aversion)","YA have a cautious attitude to borrowing and debt, think about the consequences of this, and accept that they cannot have everything they want","YA believe it is important to think about the potential consequences of borrowing money including the impact if they can't pay it back ","Y","Which one of the following best describes how you feel about borrowing money?\nCHOOSE ONE ONLY\n1. I'd rather not borrow money\n2. Borrowing money is OK, but only if I can pay it back\n3. Borrowing money is OK, even if I I'm not sure if I can afford to pay it back\n4. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D87))),\"\")","v":""},"","","","","","",""]
[null,"Out","M3",89,"Mindset","Attitudes to money management (borrowing/credit/debt aversion)","YA have a cautious attitude to borrowing and debt, think about the consequences of this, and accept that they cannot have everything they want","YA don't regularly ask other people for things they want but cannot afford to buy with their own money ",null,"A) How often do you ask your parents or someone else to pay for things you want but don’t really need?\nCHOOSE ONE ONLY\n1. Often\n2. From time to time\n3. Rarely\n4. Never\n5. Don’t know\n\nB) How much do you agree or disagree with the following statement \"I  feel frustrated if my parents or someone else can't or won't pay for things  I ask for\"\nCHOOSE ONE ONLY\n1. Strongly agree\n2. Slightly agree\n3. Slightly disagree \n4. Strongly disagree\n5. Don't know","At B other indicators use the same response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D88))),\"\")","v":""},"","","","","","",""]
[null,"Out","M3",90,"Mindset","Attitudes to money management (borrowing/credit/debt aversion)","YA have a cautious attitude to borrowing and debt, think about the consequences of this, and accept that they cannot have everything they want","YA prefer to avoid borrowing for discretionary/aspirational purposes","Y","Imagine the following situation. A friend has arranged a trip for a group of close friends which will cost £150 each. You really want to go but don’t have the money or time to save up. What would you do in this situation? \nCHOOSE ONE ONLY\n1. Borrow money from family or friends\n2. Get someone else to pay for it,  such as family or friends \n3. Use an overdraft \n4. Use my credit card \n5. Borrow in some other way \n6. Decide not to go\n7. Something else (please write in)\n8. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D89))),\"\")","v":""},"","","","","","",""]
[false,"Out","M3",91,"Mindset","Attitudes to money management (borrowing/credit/debt aversion)","YA believe that SLC student loans should not be a barrier to higher education","YA believe that SLC student loans should not be a barrier to higher education","N","ASK IF AT UNIVERSITY\nHow much do you agree or disagree with each of the following statements?\n1. Borrowing money to pay for a university or college education is a good investment\n2. Student loans are a cheap and tax efficient way to borrow money\n3. I am worried about the debts I am building up while at university  or college\n\nASK IF STILL AT SCHOOL AND NEVER BEEN TO UNIVERSITY\nHow much do you agree or disagree with each of the following statements?\n1. Borrowing money to pay for a university or college education is a good investment\n2. Student loans are a cheap and tax efficient way to borrow money\n3.  The amount of debt I might get into puts me off going to university or college\n\nCHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","Those still in education",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D90))),\"\")","v":""},"","","","","","",""]
[false,"Out","M4",92,"Mindset","Attitudes to money management (seeking advice)","YA understand the value of (financial?) advice and believe it can help them","YA understand the value of money advice and believe it can help them","N","A) How likely are you to take advice about dealing with money issues from an expert who is trained to offer such advice? This could be online, by telephone or face-to-face.\nCHOOSE ONE ONLY\n1. Very likely\n2. Fairly likely\n3. Fairly unlikely\n4. Very unlikely\n5. Don’t know\n\nB) How much do you agree or disagree with the following statements?  \na) - 'Asking for money advice seems  daunting' \nb) - ' I would make better decisions about money with the help of advice'\nc) - 'I would feel too embarrassed to seek professional advice about money issues'\nd) - 'When it comes to money advice I don't know where to start' \ne) - 'I can sort out my own money issues, without seeking professional help\"\nf) - 'When it comes to choosing things like bank accounts and insurance,  there is not enough trustworthy information out there'\n\nCHOOSE ONE ONLY\n1. Very likely\n2. Fairly likely\n3. Fairly unlikely\n4. Very unlikely\n5. Don’t know\n6. This does not apply to me","At B other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D91))),\"\")","v":""},"","","","","","",""]
[null,"Out","M5",93,"Mindset","Financial confidence","YA feel confident and in control of their financial situation","YA feel confident to manage their own money ","Y","How confident do you feel managing your own money? \nCHOOSE ONE ONLY\n1. Very confident \n2. Fairly confident \n3. Not very confident \n4. Not at all confident\n5. Don't know","Use a visual 0 to 10 scale with the statements indicated attached the extremes.\n","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D92))),\"\")","v":""},"","","","","","",""]
[null,"Out","M5",94,"Mindset","Financial confidence","YA feel confident and in control of their financial situation","YA feel in control of their financial situation\n",null,"How much do you agree or disagree with each of the following statements?  \n  - I feel in control of my finances\n\nCHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D93))),\"\")","v":""},"","","","","","",""]
[null,"Out","M5",95,"Mindset","Financial confidence","YA feel confident and in control of their financial situation","YA feel  confident that their approach to keeping track works","Y","How well do you think you manage to keep track of your income and spending? \nCHOOSE ONE ONLY\n1. Very well\n2. Quite well\n3. Not very well\n4. Not at all well\n5. I don't have any money of my own\n6. Don’t Know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D94))),\"\")","v":""},"","","","","","",""]
[null,"Out","M5",96,"Mindset","Financial confidence","YA feel confident and in control of their financial situation","YA believe that they can influence and improve their own financial situation (now and in adulthood) through the choices they make ","Y","How much do you agree or disagree with the following statement?\n- 'Nothing I do will make much difference to my money situation'\n\nCHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D95))),\"\")","v":""},"","","","","","",""]
[null,"Out","M5",97,"Mindset","Financial confidence","YA feel confident talking to financial services professionals and choosing financial products","YA feel confident talking to professionals about money ","Y","If you needed to, how confident would you feel talking to people who can give you advice about money.  This could be online, by telephone or face-to-face.\nCHOOSE ONE ONLY\n1. Very confident \n2. Fairly confident \n3. Not very confident \n4. Not at all confident\n5. Don't know","Other indicators use the same response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D96))),\"\")","v":""},"","","","","","",""]
[null,"Out","M5",98,"Mindset","Financial confidence","YA feel confident talking to financial services professionals and choosing financial products","YA feel confident dealing with companies and making purchases ","Y","How confident would you be in the following situations?\na) Talking to staff at a bank.?\nb) Opening a new bank account?\nc) Taking out an insurance policy?\nd) Finding out what an insurance policy covers?\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n5. Don’t know ","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D97))),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N99,$D$3:$D$191,0),3),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N99,$D$3:$D$191,0),4),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N99,$D$3:$D$191,0),5),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N99,$D$3:$D$191,0),6),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N99,$D$3:$D$191,0),7),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N99,$D$3:$D$191,0),8),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N99,$D$3:$D$191,0),9),\"\")","v":""}]
[null,"Out","M5",99,"Mindset","Financial confidence","YA feel confident talking to financial services professionals and choosing financial products","YA feel confident making decisions about pensions","N","ASK ONLY IF IN PAID WORK\nHow much do you agree or disagree with each of the following statements?  \na)  I know enough about pensions to decide with confidence  how to save for my retirement \nb)  Sometimes pensions seem so complicated that I cannot really understand the best thing to do \nc) Dealing with pensions scares me \n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","Those in paid work",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D98))),\"\")","v":""},"","","","","","",""]
[false,"Out","M6",100,"Mindset","Self-controlled spending","YA do not buy things on impulse/can resist pressure to spend","YA does not buy things on impulse","Y","How much would you say the following statement applies to you personally? \n- I often buy things on impulse\n\n0 does not sound like me\n...\n10 sounds a lot like me\nDon't know\n","Use a visual 0 to 10 scale with the statements indicated attached the extremes.\n","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D99))),\"\")","v":""},"","","","","","",""]
[null,"Out","M6",101,"Mindset","Self-controlled spending","YA do not buy things on impulse/can resist pressure to spend","YA is able to resist pressure to spend","Y","How much would you say the following statement applies to you personally?\n- I feel under pressure to spend like my friends even when I can’t afford it.\n\n0 does not sound like me\n...\n10 sounds a lot like me\nDon't know","Use a visual 0 to 10 scale with the statements indicated attached the extremes.\n","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D100))),\"\")","v":""},"","","","","","",""]
[false,"Out","M7",102,"Mindset","Money and values","YA do not value themselves or others by their material possessions","YA do not think that their possessions/ability to afford experiences  are the most important thing about them ","Y","How important are each of the following to you? \na) Being popular among your friends\nb) Being able to afford to have days or evenings out or trips with friends\nc) Doing well in your studies or job\nd) Being viewed as cool or attractive\ne) Being able to buy new clothes or shoes when you want them\nf) Being good at managing your money\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Not very important\n5. Not at all important\n6. Don’t know ","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D101))),\"\")","v":""},"","","","","","",""]
[null,"Out","M7",103,"Mindset","Money and values","YA do not value themselves or others by their material possessions","YA do not think that their possessions/ability to afford experiences  are the most important thing about them ","Y","How much do you agree or disagree with each of the following statements?  \na) It’s important to be cool\nb) The brand name is the most important thing when buying things like clothes \nc) I like to have the most up-to-date phone available\nd) You can judge a person by the things they own such as their phone, clothes\ne) I worry about missing out if I can't always accept invitations to go out with friends\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D102))),\"\")","v":""},"","","","","","",""]
[null,"Out","M7",104,"Mindset","Money and values","YA have a cautious attitude to risk (e.g. their general risk tolerance; also attitudes towards risky income sources) ","YA have a cautious attitude to risk",null,"How much do you agree or disagree with each of the following statements?  \n- I get bored easily\n- I like taking risks\n- I tend to act without stopping to think\n- I tend to live for today and let tomorrow take care of itself\n- I can easily be persuaded to go along with the plans of others\n - I would be prepared  to occasionally bend the rules if everyone else is\n- I sometimes find it hard to  say no even if I don’t think something is right\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D103))),\"\")","v":""},"","","","","","",""]
[null,"Out","M8",105,"Mindset","Goal-setting and planning","YA aspire to be good at managing their money","YA want to be good at managing their money ","N","How important are each of the following to you? \na) Being popular among your friends\nb) Being able to afford to have days or evenings out or trips with friends\nc) Doing well in your studies or job\nd) Being viewed as cool or attractive\ne) Being able to buy new clothes or shoes when you want them\nf) Being good at managing your money\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Not very important\n5. Not at all important\n6. Don’t know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D104))),\"\")","v":""},"","","","","","",""]
[null,"Out","M8",106,"Mindset","Goal-setting and planning","YA have educational and career goals","YA  have goals around the education, qualifications and careers  they want to achieve ","N","Which, if any, of the following goals would you like to achieve within the next 3 years?\nCHOOSE ALL THAT APPLY\n1. Stay in education/further study/get a qualification\n2. Go travelling/go on holiday\n3. Get a job/get a new job/progress in my career\n4. Rely less on my parents/carers for money \n5. Move out of parental home/get my own home\n6. Get my own car\n7. Do well in sports, music or the arts \n8. Get married /civil partnership/move in with a partner\n9. Have children/raise a family\n10. Something else (please write in)\n11 .Nothing, I have no goals for the next 3 years\n12. Don't know ",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D105))),\"\")","v":""},"","","","","","",""]
[null,"Out","M8",107,"Mindset","Goal-setting and planning","YA have educational and career goals","YA  have goals around their career future","N","Do you have any idea what job you would ideally like to be doing or working towards in 5 years time? \nCHOOSE ONE ONLY\n1. Yes - I know exactly what I want to do \n2. Yes - I have some ideas or goals  but I am not 100% decided\n3. No - I do not have any ideas or goals just yet",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D106))),\"\")","v":""},"","","","","","",""]
[null,"Out","M8",108,"Mindset","Goal-setting and planning","YA have financial goals (e.g. financial independence, savings goals)","YA aspire to earn their own money as adults rather than rely on others for money","Y","Thinking about your future, how important are each of the following things to you ?\na) Earning your own money\nb) Being completely independent when it comes to money\n\nFOR EACH STATEMENT, CHOOSE ONLY \n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Not very important\n5. Not at all important\n6. Don’t know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D107))),\"\")","v":""},"","","","","","",""]
[null,"Out","M8",109,"Mindset","Goal-setting and planning","YA have financial goals (e.g. financial independence, savings goals)","YA have a plan for saving up a certain amount of money so that they can pay for something that they want themselves (they have a savings goal) ","Y","A) Do you save money in a savings account or anywhere else? This might include putting it in a bank account, putting it away in a drawer or money box or giving it to someone to look after for you. Please choose one answer.\nCHOOSE ONE ONLY\n1. Yes, I save occasionally\n2. Yes, I save regularly\n3. No\n\nASK IF ANSWERED CODE 1 OR 2 AT A)\nB) People save for different reasons. Which of these statements best describes why you save? \nCHOOSE ONE ONLY\n1. I’m saving because my parents or carers say it’s a good idea\n2. I’m saving up for something specific\n3. I’m saving because I want to but not towards anything in particular 4. I’m only saving because my parents or carers insist that I do","The qualifier which explains what we mean by saving is repeated for other indicators. If asking several of these indicators, you might only need to include it once.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D108))),\"\")","v":""},"","","","","","",""]
[null,"Out","M9",110,"Mindset","General mindset (not finance specific)","YA have self-esteem/sense of their own worth","YA have high self-esteem","Y","A) How much would you say the following statement is true?\n- I have high self-esteem\n\n0 Not very true of me\n...\n10 Very true of me\nDon't know\n\nB)  How much do you agree or disagree with the following statements?\na) I feel that I have a number of good qualities.     \nb) I am able to do things as well as most other people.     \nc) I feel I do not have much to be proud of.     \nd) I take a positive attitude toward myself.     \ne) On the whole, I am satisfied with myself.     \nf) I wish I could have more respect for myself.     \ng) I certainly feel useless at times.     \n\nFOR EACH STATEMENT, CHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know","At A) use a visual 0 to 10 scale with the statements indicated attached to the extremes.\n\nAt B) consider using only a selection of the statements\n\nAt B) other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D109))),\"\")","v":""},"","","","","","",""]
[null,"Out","M9",111,"Mindset","General mindset (not finance specific)","YA display self-control/self-regulation","YA show display self-control","Y","How accurately do the following statements describe you?\na) 'I often get into arguments with other people'\nb) 'I get angry quickly'\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. A lot like me \n2. Mostly like me \n3. Somewhat like me \n4. Not much like me \n5. Not at all like me\nDon't know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D110))),\"\")","v":""},"","","","","","",""]
[null,"Out","M9",112,"Mindset","General mindset (not finance specific)","YA display self-control/self-regulation","YA displays perseverance","Y","How accurately do each of the following statements describe you?\na) 'Setbacks don’t discourage me'. \nb) 'I finish whatever I begin'. \nc) 'I persist  with a task whether it is difficult or not'. \n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. A lot like me \n2. Mostly like me \n3. Somewhat like me \n4. Not much like me \n5. Not at all like me\nDon't know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D111))),\"\")","v":""},"","","","","","",""]
[null,"Out","M9",113,"Mindset","General mindset (not finance specific)","YA have self-efficacy (can improve their abilities through personal effort)","YA believe they can improve their abilities through personal effort","Y","How much do you agree or disagree with the following \nstatements?\n a) When negative things happen to me it is usually not my fault\n b) I feel I have limited control over the decisions that affect my future\n c) I can solve most problems if I make the necessary effort.\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D112))),\"\")","v":""},"","","","","","",""]
[null,"Out","M10",114,"Mindset","Financial engagement","Extent of engagement with finances ","YA engage with their finances ","Y","How much do you agree or disagree with the following  statements? \na) \"I prefer to live for today and let the future take care of itself\" \nb) \"I am too busy to sort out my finances at the moment\"\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D113))),\"\")","v":""},"","","","","","",""]
[false,"Out","M11",115,"Mindset","Willing to talk openly and honestly about money with friends, family and other adults","YA feel comfortable talking openly about money with friends and family and other adults ","YA feel comfortable talking openly about money with friends and family ","Y","How much do you agree or disagree with each of the following statements?  \na) I would be too embarrassed to discuss my financial situation with my family  \nb) I would talk to family  before making an important financial decision\nc) When it comes to money, the advice of my friends is important to me \n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D114))),\"\")","v":""},"","","","","","",""]
[false,"Out","M11",116,"Mindset","Willing to talk openly and honestly about money with friends, family and other adults","YA feel comfortable talking openly about money with friends and family and other adults ","YA feel comfortable talking openly about money with friends and family and other adults",null,"Do you talk about money with any of the following people?\nCHOOSE ALL THAT APPLY\n1. Friends\n2. Family, parents or carers\n3. My brothers and sisters\n4. Grandparents or other family members\n5. Staff at your school/college/university\n6.Work colleagues\n7.  Youth worker, social worker, Personal Advisor, or community/faith worker\n8. None of these\nDon't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D115))),\"\")","v":""},"","","","","","",""]
[false,"Out","M11",117,"Mindset","Willing to talk openly and honestly about money with friends, family and other adults","YA feel comfortable talking openly about money with friends and family and other adults ","YA trust in people whose role it is to provide advice","Y","How much would you trust the following if they were to give you information, advice or guidance about money?\na) Staff at your school/college/ university\nb) Youth workers\nc) Staff working at banks or other financial institutions\nd) Organisations that offer free money advice to young people\n\nFOR EACH TYPE OF PROFESSIONAL CHOOSE ONE ONLY\n1. I would trust a lot\n2. I would trust a little\n3. I would not trust at all\n4. Don’t know","Consider asking only those statements that are relevant to your beneficiaries","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D116))),\"\")","v":""},"","","","","","",""]
[null,"Out","M11",118,"Mindset","Willing to talk openly and honestly about money with friends, family and other adults","YA feel comfortable talking openly about money with friends and family and other adults ","YAS believe that banks are trustworthy","Y","How much would you trust the following if they were to give you information, advice or guidance about money?\na) Staff at your school/college/ university\nb) Youth workers\nc) Staff working at banks or other financial institutions\nd) Organisations that offer free money advice to young people\n\nFOR EACH TYPE OF PROFESSIONAL CHOOSE ONE ONLY\n1. I would trust a lot\n2. I would trust a little\n3. I would not trust at all\n4. Don’t know ","Consider asking only those statements that are relevant to your beneficiaries","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D117))),\"\")","v":""},"","","","","","",""]
[null,"Out","M12",119,"Mindset","Norms","YA are not influenced by perceived norms around money management","YAS believe that most people borrow at manageable levels \n","N","How much do you agree or disagree with each of the following statements?  \na) It is OK to be in debt if you can pay it off  \nb) Most people my age spend beyond their means\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n6. Don’t know ","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D118))),\"\")","v":""},"","","","","","",""]
[null,"Out","M12",120,"Mindset","Norms","YA are not influenced by perceived norms around money management","YAS believe that most people pay their bills and credit commitments when they first come due","N","How much do you agree or disagree with each of the following statements?  \na) Most people get behind on their bills or payments from time to time\nb) It's ok to get behind on bills or payments as this is the only way to get by\n \nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know ","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D119))),\"\")","v":""},"","","","","","",""]
[false,"Out","M13",121,"Mindset","Attitudes to the future/adaptability","Willingness to adjust non-essential spending","YA are willing to adjust non-essential spending","Y","A) How much would you say the following statement sounds like you?\n - I am prepared to adjust the amount of money I spend on non-essentials if my life changes: \n\n0 (does not sound like me at all) \n...\n10 (sounds a lot like me)\nDon't know","Use a visual 0 to 10 scale with the statements indicated attached to the extremes.\n","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D120))),\"\")","v":""},"","","","","","",""]
[false,"Out","M13",122,"Mindset","Attitudes to the future/adaptability","Preference for saving for the future versus spending now","YA have a preference for saving for the future vs spending now","Y","How much do you agree or disagree with each of the following statements?  \na) I tend to buy things even when I can’t really afford them\nb)  I tend to live for today and let the future take care of itself  \nc)  I find it more satisfying to spend money than to save it for the long term \n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Strongly agree\n2. Slightly agree\n3. Slightly disagree\n4. Strongly disagree\n5. Don’t know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D121))),\"\")","v":""},"","","","","","",""]
[false,"Out","M13",123,"Mindset","Attitudes to the future/adaptability","YA recognise the importance of future financial needs in retirement","YA feel it is important to put money aside for retirement","Y","How important do you think it is to put money aside, either now or in the future,  for when you retire?\nCHOOSE ONE ONLY\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Not very important\n5. Not at all important\n6. Don’t know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D122))),\"\")","v":""},"","","","","","",""]
[null,"Out","A1",124,"Ability","Understanding financial products","YA know what current accounts are, how they work and the benefits of having them ","Know how a current account works","Y","How knowledgeable do you feel about the following ?  \n- how a current account works\n\nCHOOSE ONE ONLY\n1. I know a lot\n2. I know a little\n3. I don’t know much about this\n4. I know nothing about this\n5. Don't know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D123))),\"\")","v":""},"","","","","","",""]
[null,"Out","A1",125,"Ability","Understanding financial products","YA know what current accounts are, how they work and the benefits of having them ","Know how to use their current account","Y","Which of the following do you do with your current account?\nCHOOSE ALL THAT APPLY\n1. Put money in\n2. Take money out \n3. Check my bank balance at a branch or ATM\n4. Use a debit card (including contactless)\n5. Use an overdraft (if aged 18+)\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. None of these, but I do have a current account\n9. I do not have a current account\n10. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D124))),\"\")","v":""},"","","","","","",""]
[null,"Out","A1",126,"Ability","Understanding financial products","YA are aware of the different types of savings products available and are aware of the pros and cons of each ","Aware of the different types of savings products available and are using them","N","Which of the following savings accounts have you heard of?\nCHOOSE ALL THAT APPLY\n1. Fixed-term savings \n2. Instant access savings\n3. Fixed-term bonds\n4. National Savings Certificates\n3. Help to Save\n4. Cash ISA\n5. Investment ISA\n6. Lifetime ISA (LISA), for first time buyers or retirement\n7. Child Trust Fund\n8. None of these\n9. Don't know\n\nAnd which of the following do you have in your own name?\nCHOOSE ALL THAT APPLY\n1. Fixed-term savings \n2. Instant access savings\n3. Fixed-term bonds\n4. National Savings Certificates\n3. Help to Save\n4. Cash ISA\n5. Investment ISA\n6. Lifetime ISA (LISA), for first time buyers or retirement\n7. Child Trust Fund\n8. None of these\n9. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D125))),\"\")","v":""},"","","","","","",""]
[null,"Out","A1",127,"Ability","Understanding financial products","YA are aware of the different types of savings products available and are aware of the pros and cons of each ","Aware of the different types of savings products available and the benefits of using them","N","A) How knowledgeable do you feel about the following?  \n- how a savings account works\n- how a credit union account works\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. I know a lot\n2. I know a little\n3. I don’t know much about this\n4. I know nothing about this\n5. Don't know\n\nB) Which of the following statements do you think are true, and which are false? \n- Gaining interest on savings is a way of making your money grow\n- All banks have to give you the same level of interest on your savings\n- Current accounts are usually used for day-to-day banking when you want to get money in and out easily\n- Savings accounts usually give you higher rates of interest than current accounts\n- You cannot take money out of a fixed-term bond even if you really needed to\n- You might get a higher level of interest on a savings account if you  put in money every month\n- ISAs and junior ISAs are a type of savings account where do not have to pay tax on interest earned\n\nFor each statement: CHOOSE ONE ONLY\n1. True\n2. False\n3. Don't know","\nPractitioners can choose to ask both questions or only A).\n\nOther indicators use the same response options as A), and the same question and response options as B).  If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.\n","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D126))),\"\")","v":""},"","","","","","",""]
[null,"Out","A1",128,"Ability","Understanding financial products","YA understand how financial products work","Know what insurance is for","Y","Which of the following is a reason why someone would buy home insurance?\nCHOOSE ONE ONLY:\n1. To cover the cost if they lose something\n2. To cover the cost of their electricity bill\n3. To protect them if they lose their job\n4. To cover the cost if they break or damage something\n5. To cover the cost if their house is burgled\n6. To cover the cost of their mortgage if they can’t pay it\n7. Don't know ",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D127))),\"\")","v":""},"","","","","","",""]
[null,"Out","A1",129,"Ability","Understanding financial products","YA understand how financial products work","Understand how insurance works","Y","A) How knowledgeable do you feel about the following?  \n- How insurance works\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. I know a lot\n2. I know a little\n3. I don’t know much about this\n4. I know nothing about this\n5. Don't know\n\nB) Which of the following statements do you think are true, and which are false? \na) If you own a car you must have car insurance to drive it\nb) If you own a mobile phone you  must have car insurance to use it\nc) All insurance policies have the same terms and conditions\nd) Insurers can refuse to pay out on a claim depending on the terms and conditions\ne) You can get better deals on insurance if you shop around\n\nFor each statement: CHOOSE ONE ONLY\n1. True\n2. False\n3. Don't know","\nPractitioners can choose to ask one or both questions.\n\nOther indicators use the same questions and response options .  If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.\n","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D128))),\"\")","v":""},"","","","","","",""]
[null,"Out","A1",130,"Ability","Understanding financial products","YA understand how financial products work","Know how bank accounts work and ability to check bank balance","Y","A) How much, if anything, would you say you know about bank accounts?\nCHOOSE ONE ONLY\n1. Hadn't heard of this before now\n2. Nothing, but I've heard of this \n3. A little\n4. A fair amount\n5. A lot\n6. Don’t know\n\nIF KNOW SOMETHING AT A) (OPTIONS 3 TO 5)\nB) How knowledgeable do you feel about the following ?  \n- How bank accounts work\n- Checking the balance on a bank account\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. I know a lot\n2. I know a little\n3. I don’t know much about this\n4. I know nothing about this\n5. Don't know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D129))),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N131,$D$3:$D$191,0),3),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N131,$D$3:$D$191,0),4),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N131,$D$3:$D$191,0),5),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N131,$D$3:$D$191,0),6),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N131,$D$3:$D$191,0),7),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N131,$D$3:$D$191,0),8),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N131,$D$3:$D$191,0),9),\"\")","v":""}]
[null,"Out","A1",131,"Ability","Understanding financial products","YA understand how financial products work","Understand the options when choosing between different current or savings accounts ","Y","Which of these features should people think about when choosing a bank account?\nCHOOSE ALL THAT APPLY\n1. Having a cash card or debit card\n2. Whether your friends use the same bank\n3. Whether your parents use the same bank\n4. Whether you can bank online or through an app\n5. The interest rate on the money in the account\n6. Whether you can access your money straightaway\n7. Whether there is an overdraft facility and how much it is\n8. Whether there is a monthly fee and how much it is\n9. Introductory offers (e.g. free tickets/gadget)\n10. Special features (e.g. mobile phone insurance)\n11. Something else (please write in)\n12. None of these\n13. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D130))),\"\")","v":""},"","","","","","",""]
[null,"Out","A2",132,"Ability","Understanding financial concepts and terms","YA understand basic financial concepts","Understand basic financial terms","Y","For each of the following statements, can you pick the word that best fits the description?\na)The amount the price of things in shops goes up by\nb) The money that is added to savings by banks or building societies\nc) The money people pay to  government\nd) The amount you get when you retire from working\ne) The amount of money you have in your bank account\n\nFor each statement: CHOOSE ONE ONLY\n1. Interest\n2. Pension\n3. Inflation\n4. Balance\n5. Tax\n6. Benefit\n7. Credit\n8. Debit\nDon't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D131))),\"\")","v":""},"","","","","","",""]
[null,"Out","A2",133,"Ability","Understanding financial concepts and terms","YA understand basic financial concepts","Understand loan types ","Y","A) How much, if anything, would you say you know about loans and different types of borrowing?\nCHOOSE ONE ONLY\n1. Hadn't heard of this before now\n2. Nothing, but I've heard of this \n3. A little\n4. A fair amount\n5. A lot\n6. Don’t know\n\nIF KNOW SOMETHING AT A) (OPTIONS 3 TO 5)\nB) How knowledgeable do you feel about the following ?  \n- Comparing different loans and credit cards\n- What sort of borrowing options credit unions offer\n- Calculating the total cost of a loan or credit such as Brighthouse or a car on hire purchase (including interest and charges) \n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. I know a lot\n2. I know a little\n3. I don’t know much about this\n4. I know nothing about this\n5. Don't know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D132))),\"\")","v":""},"","","","","","",""]
[null,"Out","A2",134,"Ability","Understanding financial concepts and terms","YA understand basic financial concepts","Understand APR","Y","Which of the following statements do you think are true, and which are false? \n- For a six month loan, it will cost you more to borrow money on a loan with a low APR than a loan with a high APR\n\nCHOOSE ONE ONLY\n1. True\n2. False\n3. Don't know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D133))),\"\")","v":""},"","","","","","",""]
[null,"Out","A2",135,"Ability","Understanding financial concepts and terms","YA understand investments \n\n","Has a basic understanding of investments \n\n","N","Which of the following statements do you think are true, and which are false? \na) An investment with a high return is likely to be low risk.\nb)  Money in investments does not have the same protections as money saved in a bank or savings account\nc)  Investments normally involve putting money away for at least 5 to 10 years\n\nFor each statement: CHOOSE ONE ONLY\n1. True\n2. False\n3. Don't know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D134))),\"\")","v":""},"","","","","","",""]
[null,"Out","A2",136,"Ability","Understanding financial concepts and terms","YA know about pensions options, able to make decisions about pensions\n\n","Know how pensions work, able to check and make decisions about pensions\n\n","N","A) How much, if anything, would you say you know about pensions?\nCHOOSE ONE ONLY\n1. Hadn't heard of this before now\n2. Nothing, but I've heard of this \n3. A little\n4. A fair amount\n5. A lot\n6. Don’t know\n\nIF KNOW SOMETHING AT A) (OPTIONS 3 TO 5)\nB) How knowledgeable do you feel about the following ?  \n- How pensions work\n- How to check how much pension income you will get when you retire\n- Make decisions about a pension to give you an income you will need in retirement \n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. I know a lot\n2. I know a little\n3. I don’t know much about this\n4. I know nothing about this\n5. Don't know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D135))),\"\")","v":""},"","","","","","",""]
[null,{"$f":"IF(A138=TRUE,\"In\",\"Out\")","v":"Out"},"A2",137,"Ability","Understanding financial concepts and terms","YA understand mortgages and repayments ","Understand how mortgages work  ","N","A) How much, if anything, would you say you know about mortgages?\nCHOOSE ONE ONLY\n1. Hadn't heard of this before now\n2. Nothing, but I've heard of this \n3. A little\n4. A fair amount\n5. A lot\n6. Don’t know\n\nIF KNOW SOMETHING (OPTIONS 3 TO 5)\nB) How knowledgeable do you feel about the following ?  \n- How mortgages work\n- How to apply for a mortgage\n- How to calculate a monthly mortgage repayment \n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. I know a lot\n2. I know a little\n3. I don’t know much about this\n4. I know nothing about this\n5. Don't know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D136))),\"\")","v":""},"","","","","","",""]
[null,"Out","A2",138,"Ability","Understanding financial concepts and terms","YA know about options and rights in relation to problem debt","Know of options and rights in relation to problem debt","N","ASK ONLY IF 18 or OVER:\nHow knowledgeable do you feel about the following? \n- The different options for sorting out debt problems\n- That fees are charged for some debt solutions such as bankruptcy\n- The steps to take if I’m unable to pay any debts \n- My rights if organisations try to recover any money I owe them\n- The steps organisations can take to recover any money I owe them\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. I know a lot\n2. I know a little\n3. I don’t know much about this\n4. I know nothing about this\n5. Don't know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","Those aged 18+",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D137))),\"\")","v":""},"","","","","","",""]
[false,"Out","A2",139,"Ability","Understanding financial concepts and terms","YAS understand their basic rights as consumers","Understand when they can return goods","Y","The next question is about your rights as a consumer. In which of the following situations do you have a right to a refund, repair or replacement?\n 1. You buy a new watch but when you take it out of the box it is damaged (yes)\n2. You buy a second hand phone from a shop and there is scratch on the back you were not told about  (yes)\n3. You buy a new jumper but you accidentally rip it the first time you wear it (no)\n4. You buy a new phone case advertised as fitting your phone, but you find it does not fit (yes)\n5. You buy new trainers from a shop but when you get home you realise you have changed your mind (no)\n6. None of these\n7. Don't know ",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D138))),\"\")","v":""},"","","","","","",""]
[false,"Out","A2",140,"Ability","Understanding financial concepts and terms","YAS understand their basic rights as consumers","Understand when they can cancel agreements and services","Y","The following statements are about your rights as a consumer. Which of the following statements do you think are true, and which are false? \na) You can cancel or return anything you buy on the phone or internet within 7 days (true)\nb) You can return something you buy in a shop within 7 days without having to give a reason (false)\nc) If a bike shop repaired your bike but they didn't fix it properly, you can you ask the shop to re-do it at no extra charge (true)\nd)  You can cancel a mobile phone contract 28 days after you signed up for it (false)\n\nFor each statement: CHOOSE ONE ONLY\n1. True\n2. False\n3. Don't know ","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D139))),\"\")","v":""},"","","","","","",""]
[null,"Out","A2",141,"Ability","Understanding financial concepts and terms","YA understand their rights as a tenant ","YA understand their rights as a tenant","Y","The following statements are about tenants' legal rights and responsibilities. A tenant is someone who rents their home. \nWhich of the following statements do you think are true, and which are false? \n- Tenants can take their landlord to court if a landlord won't do repairs they've been asked to do (true)\n- In most cases, a landlord can increase the rent regularly, for example once a year (true)\n- Landlords can take money from a tenant's deposit if the carpet wears out while they live there (false)\n\nFor each statement: CHOOSE ONE ONLY\n1. True\n2. False\n3. Don't know ","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D140))),\"\")","v":""},"","","","","","",""]
[null,"Out","A2",142,"Ability","Understanding financial concepts and terms","YA know how to access information about consumer rights","YA know how to find out about their consumer and tenancy rights",null,"A) If you needed any information or advice about your rights, for example your consumer rights or housing rights, would you know where to go or who to speak to?\nCHOOSE ONE ONLY\n1. Yes\n2. No\n3. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D141))),\"\")","v":""},"","","","","","",""]
[null,"Out","A2",143,"Ability","Understanding financial concepts and terms","YA know about fraud and ability to protect themselves ","Know about types of fraud and ability to protect from fraud ","Y","How knowledgeable do you feel about the following things?  \n- The different types of financial fraud/scams \n- How to protect yourself from financial fraud/scams\n- How to protect yourself from online financial fraud/scams\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. I know a lot\n2. I know a little\n3. I don’t know much about this\n4. I know nothing about this\n5. Don't know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D142))),\"\")","v":""},"","","","","","",""]
[null,"Out","A3",144,"Ability","Financial numeracy","Understand financial concepts and are able to answer basic questions about\ninterest","Able to calculate interest owed on a loan","N","Suppose you have taken out a loan for £500, and the interest rate you are charged is 10% per month. There are no other fees. At this interest rate, how much money would you owe in total after one month?\nENTER AMOUNT IN £\nDon't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D143))),\"\")","v":""},"","","","","","",""]
[null,"Out","A3",145,"Ability","Financial numeracy","Understand financial concepts and are able to answer basic questions about\ninterest","Able to calculate interest earned from savings\n","N","Suppose you put £100 into a savings account with a guaranteed interest rate of 2% per year. You don’t make any further payments into this account and you don’t withdraw any money. How much would be in the account at the end of the first year, once the interest payment is made?   \nENTER AMOUNT IN £\nDon't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D144))),\"\")","v":""},"","","","","","",""]
[null,"Out","A3",146,"Ability","Financial numeracy","YA understand the impact of inflation on buying power","Understand the impact of inflation","Y","Suppose the inflation rate is 5% and the interest rate you get on your savings is 3%. Will you be able to buy more, less or the same amount with your savings in a year's time as you could buy now?\nCHOOSE ONE ONLY\n1. More\n2. The same\n3. Less\n4. Don’t know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D145))),\"\")","v":""},"","","","","","",""]
[null,"Out","A3",147,"Ability","Financial numeracy","YA can work out how long they will need to save for to buy something if they are saving a set amount a week ","Can work out how long they will need to save","N","Suppose that Greg gets £6.00 a week allowance. How long would it take Greg to save up his allowance to buy something that costs £26?\nCHOOSE ONE ONLY\n1. Two weeks\n2. Three weeks\n3. Four weeks\n4. Five weeks\n5. Six weeks\n7. Don't know ",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D146))),\"\")","v":""},"","","","","","",""]
[null,"Out","A4",148,"Ability","Understanding credit/borrowing","YA understand financial products, concepts and language","Aware of the various ways to borrow money as an adult and that these are associated with different levels of risk","N","A) From the age of 18 there are different ways you can borrow money. How much, if anything, would you say you know about each of the following …?\n a) Credit card\nb) Store cards or store credit\nc) Bank loan\nd) Pay day loan\ne) Student loan\nf) Mortgage\ng) Overdraft\n \nFor each statement: CHOOSE ONE ONLY\n1. Hadn't heard of this before now\n2. Nothing, but I've heard of this \n3. A little\n4. A fair amount\n5. A lot\n6. Don’t know\n \nB) The following questions are about borrowing money. Which of the following statements do you think are true, and which are false? \n a) When you borrow money you will usually be charged interest \nb) All credit card companies charge the same rate of interest \nc) In general, the quicker you can pay off a debt, the less interest you pay\nd) Pay day loans usually have lower interest rates than credit cards\ne) Some types of borrowing will cost you more than others\nf) You could have to pay more if you don't pay money back on time\ng) You could have to pay your bank more if you use an overdraft that hasn’t been agreed \n \nFor each statement: CHOOSE ONE ONLY\n1. True\n2. False\n3. Don't know","Other indicators use the response options. If you select more than one of these indicators, you can present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D147))),\"\")","v":""},"","","","","","",""]
[null,"Out","A4",149,"Ability","Understanding credit/borrowing","YA understand financial products, concepts and language","Understand the role of student loans and the way in which they work","N","A) How much do you agree or disagree with the following statement?\n- Student  loans are a sensible way to borrow money for the long term.\n\n CHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know\n\nB) Which of the following statements do you think are true, and which are false? \na) - Student loans are repaid based on what you earn after you graduate\nb) - You might not have to repay the full amount of the loan for example if you do not get a job after university\nc) - Repayments are taken automatically from what you earn\nd) - Student loans are cleared if they are not repaid within 30 years\ne) - Student loans are a very expensive way of borrowing money compared to other loans\nf) -  Student loan repayments are collected by debt collectors\ng) - You must always repay the full amount you borrowed with a student loan\n\nFor each statement: CHOOSE ONE ONLY\n1. True\n2. False\n3. Don't know","Other indicators use the same questions and response options. If you select more than one of these indicators, you can present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D148))),\"\")","v":""},"","","","","","",""]
[null,"Out","A4",150,"Ability","Understanding credit/borrowing","YA know how to maintain a good credit record","Understand what a credit record is what factors influence it","N","A) Which of the options best describes what a credit record is?\nCHOOSE ONE ONLY\n1. A credit card statement from a bank\n2. A store card bill \n3. A record showing your mobile phone history\n4. A record of all credit you have borrowed from different places (banks, stores, bills etc.) and whether this has been paid back \n5. None of these\nDon't know\n\nB) Which of the following things are important if you want to have a good credit record?\nCHOOSE ALL THAT APPLY \n1. Your education\n2. Whether you are a registered voter\n3. Whether you have a credit card\n4. Whether you pay your credit card on time \n5. Whether you have other debts\n6. Whether you are registered with a G.P.\n7. None of these\n8. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D149))),\"\")","v":""},"","","","","","",""]
[null,"Out","A5",151,"Ability","Understanding how to choose financial products that meet their needs","YA understand how to choose financial products that meet their needs","Know useful strategies when selecting financial products","Y","Here are some statements about choosing financial products such as bank account accounts or mobile phone tariffs. Which of the following statements do you think are true, and which are false? \na) - You can get better deals on financial products if you shop around\nb) - It is important to read the terms and conditions before picking a  financial product. \nc) - Banks are legally obliged to tell me if my money could be doing better in another account\nd) - Mobile phone providers are legally obliged to tell me which tariff is best  for me\ne) - You can often get better deals on financial products if you change provider regularly\nf) - Free neutral advice on choosing financial products is available, you just need to know where to find it\n\nFor each statement: CHOOSE ONE ONLY\n1. True\n2. False\n3. Don't know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D150))),\"\")","v":""},"","","","","","",""]
[null,"Out","A5",152,"Ability","Understanding how to choose financial products that meet their needs","YA understand how to choose financial products that meet their needs","Aware that some saving products have higher interest than others","Y","Which of the following statements do you think are true, and which are false? \na) - It doesn't matter what kind of savings account you have, the interest rate is the same at all banks\nb) - There are some financial products which will give you a higher interest rate\nc) - If you negotiate with the bank, you can get a higher interest rate on your savings\nd) - All the saving products within the same bank offer the same interest rate\n\nFor each statement: CHOOSE ONE ONLY\n1. True\n2. False\n3. Don't know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D151))),\"\")","v":""},"","","","","","",""]
[null,"Out","A5",153,"Ability","Understanding how to choose financial products that meet their needs","YA understand how to choose financial products that meet their needs","Know how to choose/compare insurance products","N","A) How much, if anything, would you say you know about insurance?\nCHOOSE ONE ONLY\n1. Hadn't heard of this before now\n2. Nothing, but I've heard of this \n3. A little\n4. A fair amount\n5. A lot\n6. Don’t know\n\nIF KNOW SOMETHING (OPTIONS 3 TO 5)\nB) How knowledgeable do you feel about the following ?  \n- How to compare different types of insurance\n- How to choose the best insurance for you\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. I know a lot\n2. I know a little\n3. I don’t know much about this\n4. I know nothing about this\n5. Don't know  ","Other indicators use the same question and response options. If you select more than one of these indicators, you can present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D152))),\"\")","v":""},"","","","","","",""]
[null,"Out","A6",154,"Ability","MM awareness (spending, prioritising)","YA  understand the value of money","YA  can make spending decisions appropriate to their age based on their needs and priorities ","Y","A) When you get money, how often do you save at least some of it? This might include putting it in a bank account, putting it away in a drawer or money box or giving it to someone to look after for you.\nB) How often do you spend that money on things you want?\n CHOOSE ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\nDon’t know","The qualifier which explains what we mean by saving is repeated for other indicators. If asking several of these indicators, you might only need to include it once.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D153))),\"\")","v":""},"","","","","","",""]
[null,"Out","A6",155,"Ability","MM awareness (spending, prioritising)","YA  understand the value of money","YA understand the difference between 'price' and 'value' and that some things are better value than others","Y","Suppose you are thinking of buying some new trainers.  Which of these comes closest to your view?\nCHOOSE ONE ONLY\n1. It's always best to buy a well-known brand even if it's no better quality than a cheaper brand\n2. It is worth considering a less expensive brand if it offers the same quality\n3. It is always best to choose the cheapest ones you can get even if they won't last quite as long\n4. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D154))),\"\")","v":""},"","","","","","",""]
[null,"Out","A6",156,"Ability","MM awareness (spending, prioritising)","YA  understand the value of money","YA  understand how to shop around to get the best value for money and why this is important ","Y","Why is it a good idea to shop around when choosing where to buy something?\nCHOOSE ALL THAT APPLY\n1. You can find the same thing for different prices in different shops/on different websites\n2. I just enjoy shopping around\n3. Some shops/websites sell better quality items compared to others\n4. Shopping around can save you money \n5. I might find more things I want to buy\n6. Don’t know ",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D155))),\"\")","v":""},"","","","","","",""]
[null,"Out","A7",157,"Ability","MM awareness (budgeting)","YA know how to keep track of their money, and set and stick to a budget","YA understand the costs of living independently","Y","ASK IN F2F AND TELEPHONE INTERVIEWS ONLY\nPlease can you tell me, off the top of your head, what household bills you think people need to pay if they are living independently, whether they pay these on their own or as part of a household?\nUNPROMPTED\nCHOOSE ALL THAT APPLY\n1. Rent or mortgage\n2. Fuel (Electricity or gas)\n3. Water \n4. Council tax\n5. Home internet/broadband\n6. Home insurance (contents and/or buildings)\n7. Telephone (landline/broadband)\n8. TV licence\n9. Something else (specify)","Note that this will only work if administered face-to-face or by telephone as it relies on unprompted responses.  This would not be suitable to test in a web or paper self-completion setting.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D156))),\"\")","v":""},"","","","","","",""]
[null,"Out","A7",158,"Ability","MM awareness (budgeting)","YA know how to keep track of their money, and set and stick to a budget","YA understand the principles of budgeting and can develop a budget suited to their needs","Y","How, if at all,  do you keep track of the money you get and the money you spend?\nCHOOSE ALL THAT APPLY\n1. Online budgeting tool\n2. Online bank account\n3. Spreadsheet\n4. Piece of paper\n5. In my head \n6. Checking my bank balance at a cash machine\n7. Reviewing my bank statements\n8. On a mobile app\n9. I don't keep track\n10. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D157))),\"\")","v":""},"","","","","","",""]
[false,"Out","A8",159,"Ability","MM awareness (security)","YA are aware of scams and fraud and know how to protect themselves from it","YA know they need to keep information about their current and savings accounts safe","Y","IF HAVE A BANK ACCOUNT\nDoes your bank account come with a card you can use to get cash from a cash point?\nCHOOSE ONE ONLY\n1. Yes \n2. No\n3. Don't know\n\nIF HAVE A CARD WITH ACCOUNT\nWhich of the following should you do to keep your bank card PIN number safe? \nCHOOSE ALL THAT APPLY\n1. Write down your PIN and keep it in your wallet in case you forget it\n2. Tell your best friend your PIN in case you forget it\n3. Learn your PIN off by heart and keep it in your head\n4. Hide the keypad when you are entering your PIN number at a cash point or shop\n5. Change your PIN if you think someone may have seen it\n6. Don't know",null,"Those with a bank account",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D158))),\"\")","v":""},"","","","","","",""]
[false,"Out","A8",160,"Ability","MM awareness (security)","YA are aware of scams and fraud and know how to protect themselves from it","YA understand the main types of financial fraud and how to protect themselves from it","Y","Which of the following statements are true and which are false? \na)  You should always keep passwords for online accounts secret from other people (true)\nb)  It's okay for your bank to ask for your PIN by email or phone (false)\nd) Criminals can copy bank cards by using machines that look like ATMs  (true)\nf)  It's ok to share personal details like your name and home address on social media sites (false)\ng) If you get an email from an unknown sender with a website link,  it's best to click on the link to find out if the email is genuine (false)\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. True\n2. False\n3. Don't know ",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D159))),\"\")","v":""},"","","","","","",""]
[null,"Out","A9",161,"Ability","MM awareness (advice)","YA know where/how to get good advice and information on money management","YA know where to go for advice, guidance and tools about their financial situation, in person, by phone and using digital resources","N","A) If you needed any information or advice about money, would you know where to go or who to speak to?\nCHOOSE ONE ONLY\n1.Yes\n2.No\n3.Don't know\n\nB) If you needed advice about money, who would you go to?\nCHOOSE ALL THAT APPLY\n1. Parents or carers\n2. Friends\n3. Other family members\n4. Staff at school/college/university\n5. Youth worker, community workers\n6. Work colleagues\n7. Online (e.g. YouTube, Money Saving Expert)\n8. A bank, building society or other financial organisation\n9. TV programmes\n10. Someone else (specify)\n11. I would not ask for advice about money\nDon't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D160))),\"\")","v":""},"","","","","","",""]
[null,"Out","A9",162,"Ability","MM awareness (advice)","YA know where/how to get good advice and information on money management","YA know where to find out information on whether they are entitled to benefits and how to claim them","Y","Which of the following could someone go to if they wanted to find information on whether they are entitled to benefits?\nCHOOSE ALL THAT APPLY\n1. Parents or carers\n2. Job Centre\n3. Local Council\n4. Staff at school/college/university\n5. Internet\n6. Citizens Advice Bureau/ local charity\n7. DWP helpline",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D161))),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N163,$D$3:$D$191,0),3),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N163,$D$3:$D$191,0),4),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N163,$D$3:$D$191,0),5),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N163,$D$3:$D$191,0),6),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N163,$D$3:$D$191,0),7),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N163,$D$3:$D$191,0),8),\"\")","v":""},{"$f":"IFERROR(INDEX($C$3:$K$191,MATCH($N163,$D$3:$D$191,0),9),\"\")","v":""}]
[null,"Out","A9",163,"Ability","MM awareness (advice)","YA know where/how to get good advice and information on money management","YA understand not to over-rely on the internet for information or advice about money","Y","How confident are you that you can tell whether the information you find on the internet about money is accurate and reliable? \nCHOOSE ONE ONLY\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n5. Don’t know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D162))),\"\")","v":""},"","","","","","",""]
[null,"Out","A9",164,"Ability","MM awareness (advice)",null,"YA understand not to rely on social media for information or advice about money","Y","A) How much would you say that you are influenced in your spending by things you see on social media\nB) How much would you say that you are influenced in how you manage your money by things you see on social media \nFOR EACH QUESTION: CHOOSE ONE ONLY\n1. A lot\n2. A little\n3. Not very much\n4. Not at all \n5. Don't know ",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D163))),\"\")","v":""},"","","","","","",""]
[null,"Out","A10",165,"Ability","MM awareness (saving)","YA  know how to save up for things they want and why it is good to save","YA understand why saving money for something you want to buy is important ","Y","Why is it good to save up for something you want to buy?\nCHOOSE ALL THAT APPLY\n1. Saving up for things yourself will help you learn money management as you get older \n2. Other people may not have money to spare or may get annoyed if you ask them for money \n3. Saving up for something will mean you are less likely to make 'impulse buys'\n4.  Saving up makes you more likely to buy things you really want or need \n5.  You can spend the money you have saved on something else if you want to\n6. To stop you getting into debt \n7. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D164))),\"\")","v":""},"","","","","","",""]
[null,"Out","A10",166,"Ability","MM awareness (saving)","YA  know how to save up for things they want and why it is good to save","YA understand the value of saving for the future",null,"How important do you think it is for you to save up your money for the future in general?\nCHOOSE ONE ONLY\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Not very important\n5. Not at all important\n6. Don’t know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D165))),\"\")","v":""},"","","","","","",""]
[null,"Out","A11",167,"Ability","MM awareness (taxes)","YA understand how taxes are collected and what they are used for","YA understand that National Insurance and Income Tax is deducted from the money people earn to pay for public services ","N","Tax is money that the Government takes from the money that people earn. What do you think  tax is for?\nCHOOSE ALL THAT APPLY\n1. To pay for hospitals \n2. To make sure people don't earn too much\n3. To pay for lottery prizes\n4. To pay for police \n5. To pay for schools\n6. To pay for supermarkets\n7. None of these\nDon't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D166))),\"\")","v":""},"","","","","","",""]
[null,"Out","A11",168,"Ability","MM awareness (taxes)","YA understand how taxes are collected and what they are used for","YA understand that people have a tax free allowance and don't pay Income Tax on a portion of what they earn ","N","Which of the following statements are true and which are false? \na) The first part of the money your earn is tax free. \nb) If the income someone makes from all sources is under £11,500 they have to pay Income Tax on it\n\nCHOOSE ONE ONLY\n1. Yes\n2. No\n3. Don’t know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D167))),\"\")","v":""},"","","","","","",""]
[false,"Out","A12",169,"Ability","MM knowledge/technical ability","YA know how to keep track of their money, and set and stick to a budget","YA know how to use a price comparison site ","N","Have you ever used any price comparison websites to compare  things like insurance, bank accounts, mobile phone contracts?\nCHOOSE ONE ONLY\n1. Yes I have used a price comparison website\n2. I have not used one but I have heard about this\n3. I have never heard about this",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D168))),\"\")","v":""},"","","","","","",""]
[null,"Out","A12",170,"Ability","MM knowledge/technical ability","YA know how to keep track of their money, and set and stick to a budget","YA know how to use tools to help them budget","N","A) Do you know how much money you have in total, including in your bank?\nCHOOSE ONE ONLY\n1. No \n2. Yes, roughly\n3. Yes exactly\n\nB)  Which of the following do you do with your bank account(s)?\nCHOOSE ALL THAT APPLY\n1. Put money in\n2. Take money out \n3. Check my bank balance at a branch or cash machine/ATM\n4. Use a debit card (including contactless)\n5. Look at the account online (internet banking)\n6. Look at the account on my phone (mobile banking)\n7. None of these, but I do have a bank account\n8. I do not have a bank account\n9.Don't know\n\nC) How do you keep track of the money you get and the money you spend?\nCHOOSE ALL THAT APPLY\n1. Online budgeting tool\n2. Online bank account\n3. Spreadsheet\n4. Piece of paper\n5. In my head\n6. Checking my bank balance at a cash machine\n7. Reviewing my bank statements\n8. On a mobile app\n9. I don't keep track\n10. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D169))),\"\")","v":""},"","","","","","",""]
[null,"Out","A12",171,"Ability","MM knowledge/technical ability","YA know how to keep track of their money, and set and stick to a budget","YA know how to check a bank balance and read a bank statement","N","Looking at this example of a bank statement, how much money was in the account at the end of February? \nPlease give your answer to the nearest one pound (£)\nAMOUNT in £\nDon't know","This requires source material, example of a bank account.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D170))),\"\")","v":""},"","","","","","",""]
[null,"Out","A12",172,"Ability","MM knowledge/technical ability","YA know how to keep track of their money, and set and stick to a budget","Young people know how to read a payslip and understand the tax and NI contributions","N","Please look at this payslip shown. \nA) How much has Sally paid towards her retirement so far this year?\nCHOOSE ONE ONLY\n1. £100\n2. £320\n3. £2465.20\n4. £1000\n5. £200\nDon't know\n\nB) How much was Sally paid this month before any tax or deductions were taken?\nCHOOSE ONE ONLY\n1. £1950.88\n2. £2700\n3. £2000\n4. £27000\n5. £246.52\nDon't know","This requires source material, example of a payslip.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D171))),\"\")","v":""},"","","","","","",""]
[null,"Out","A12",173,"Ability","MM knowledge/technical ability","YA know how to keep track of their money, and set and stick to a budget","YA know how to make deposits into a bank account ","N","Which of the following methods of adding money to a bank account have you heard of?  \nCHOOSE ALL THAT APPLY\n1. With cash at a bank branch\n2. With a cheque at a bank branch\n3. With a cheque by post\n4. By bank transfer from one account to another\n5. By standing order from one account to another \n6. By Direct Debit from one account to another \n7. None of these\n8. Don't know ","\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D172))),\"\")","v":""},"","","","","","",""]
[null,"Out","A13",174,"Ability","Understanding the role of money in society","YA understand the different sources of money","YA understand that being financially independent and having their own source of income is an important part of being an adult","Y","Thinking about your future, how important are each of the following things to you ?\na) Earning your own money\nb) Being completely independent when it comes to money\n\nFOR EACH STATEMENT, CHOOSE ONLY \n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Not very important\n5. Not at all important\n6. Don’t know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D173))),\"\")","v":""},"","","","","","",""]
[null,"Out","A13",175,"Ability","Understanding the role of money in society","YA understand the different sources of money","YA understand that the choices they make around education and work will affect the amount of money they have ","Y","How much do you agree or disagree with each of the following statements?  \na) The study and  training people choose affects how much money they earn  \nb) People who work hard at school/college/university or in their jobs will have a better chance of  doing well in their careers\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D174))),\"\")","v":""},"","","","","","",""]
[null,"Out","A13",176,"Ability","Understanding the role of money in society","YA understand the different sources of money","YA understand that different education & training options (e.g.. going to university or doing an apprenticeship) have different financial implications in both the short and longer term ","Y","How much do you agree or disagree with each of the following statements?  \n- Young people who work hard at school or in their job will have a better chance of doing well in their careers\n\nCHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\n5. Don’t know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D175))),\"\")","v":""},"","","","","","",""]
[null,"Out","A13",177,"Ability","Understanding the role of money in society","YA understand that companies exist to make money (and influence their spending, including through advertising, marketing etc.)","YA understand the different ways that companies try to influence their spending, including through advertising, marketing, product placement and celebrity endorsements ","Y","Now for a short quiz: Companies use lots of different ways to get people to spend money on their goods and services. What is the correct name for each of the following statements?\na)  Placing images and examples of a product where lots of people can see it (e.g. on TV, in magazines or on social media)\nb)  The process of transferring goods and services from the seller to the buyer\nc)  Promoting goods and services through films, television or social media (e.g. someone using a certain type of smart phone in a film)\nd)  Paying someone famous to put their name and face to goods and services and help to sell them\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. Advertising\n2. Marketing\n3. Product placement\n4. Celebrity endorsements\n5. None of these\n6. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D176))),\"\")","v":""},"","","","","","",""]
[null,"Out","A13",178,"Ability","Understanding the role of money in society","YA understand that companies exist to make money (and influence their spending, including through advertising, marketing etc.)","YA understands that high profile brands carry a premium","N","Suppose you are thinking of buying some new trainers.  Which of these comes closest to your view?\nCHOOSE ONE ONLY\n1. It's always best to buy a well-known brand even if it's no better quality than a cheaper brand\n2. It is worth considering a less expensive brand if it offers the same quality\n3. It is always best to choose the cheapest ones you can get even if they won't last quite as long\n4. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D177))),\"\")","v":""},"","","","","","",""]
[null,"Out","A14",179,"Ability","Basic skills","YA have good literacy skills","YA perform at age appropriate levels in standardised literacy tests","Y","Do you have GCSE English grade A*-C, 4-9 or equivalent? This might include the equivalent grades from National Awards in Scotland \nCHOOSE ONE ONLY\n1. Yes\n2. No\nDon't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D178))),\"\")","v":""},"","","","","","",""]
[null,"Out","A14",180,"Ability","Basic skills","YA have good numeracy skills","YA perform at age appropriate levels in standardised numeracy tests","Y","Do you have GCSE Maths grade A*-C, 4-9 or equivalent? This might include the equivalent grades from National Awards in Scotland \nCHOOSE ONE ONLY\n1. Yes\n2. No\nDon't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D179))),\"\")","v":""},"","","","","","",""]
[null,"Out","A14",181,"Ability","Basic skills","YA have good communication skills (English/Welsh)","Ease of communicating in English or (Welsh in Wales)  ","Y","[ENG, SCOT, NI] \nCan I check, is English your first language?  \n1. Yes\n2.No\n3. Don't know\n\nIF ENGLISH NOT 1ST LANGUAGE\nSo can I check would you have any difficulty speaking in English to a member of staff in a bank about choosing a financial product?\n1. Yes\n2. No\n3. Don't know\n\n[WALES] \nCan I check, is English or Welsh your first language?  \n1. Yes - English\n2. Yes - Welsh\n3. No, neither\n\n[IF NEITHER]  So can I check would you have any difficulty speaking in English or Welsh to a member of staff in a bank about choosing a financial product?\n1. Yes\n2. No\n3. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D180))),\"\")","v":""},"","","","","","",""]
[null,"Out","A14",182,"Ability","Basic skills","YA have digital literacy -online forms, tools, emails, online banking etc.","YA are able to use financial/money-related online services e.g.. forms, tools, emails, and online banking","Y","A) Do you have access to the internet, at home or anywhere else?\nCHOOSE ONE ONLY\n1. Yes\n2. No\nDon't know\n\nIF USE THE INTERNET\nB) How easy do you find it to use the internet for each of the following? \na) - Buying something online\nb) - Buying tickets for travel or holiday bookings\nc) - Paying bills\nd) - Using your bank’s online services\ne) - Ordering groceries or food online\nf) - Selling things online\nh) - Finding the location of a house, office, store or restaurant \n\nB) FOR EACH STATEMENT: CHOOSE ONE ONLY\n1.Very easy\n2.Quite easy\n3.Quite difficult\n4.Very difficult\n5.Impossible\n6. Does not apply to me\nDon't know","\n\n\n\n\n\n\n\n\n\n","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D181))),\"\")","v":""},"","","","","","",""]
[null,"Out","A15",183,"Ability","Perseverance/problem solving","YA have good problem solving skills","YA can identify and understand a problem","Y","These relate to wider skills, with no relevant questions in the outcomes frameworks",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D182))),\"\")","v":""},"","","","","","",""]
[null,"Out","A15",184,"Ability","Perseverance/problem solving","YA have good problem solving skills","YA can plan ways to solve a problem",null,"These relate to wider skills, with no relevant questions in the outcomes frameworks",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D183))),\"\")","v":""},"","","","","","",""]
[null,"Out","A15",185,"Ability","Perseverance/problem solving","YA have good problem solving skills","YA can monitor progress in tackling a problem","Y","These relate to wider skills, with no relevant questions in the outcomes frameworks",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D184))),\"\")","v":""},"","","","","","",""]
[false,"Out","A15",186,"Ability","Perseverance/problem solving","YA have good problem solving skills","YA can review solutions to problems and modify them if necessary","Y","These relate to wider skills, with no relevant questions in the outcomes frameworks",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D185))),\"\")","v":""},"","","","","","",""]
[false,"Out","A16",187,"Ability","Understanding how to manage financial difficulty/problem debt","Understanding how to manage financial difficulty/problem debt","YAs know which types of bills to prioritise over others if in financial difficulty ","N","Please think about an adult who is in financial difficulty.  They have two payments to make but they can only afford to pay one.  For each of the following pairs of payments please say which one you think should be paid first or you can choose to say Don’t know?\n(correct answer in blue)\na) Water bill or rent?\nCHOOSE ONE ONLY\n1. Water bill\n2. Rent\n3. Don't know\n\nb) Electricity bill or money you have borrowed from a friend?\nCHOOSE ONE ONLY\n1. Electricity bill\n2. Money borrowed from a friend\n3. Don't know\n\nc) Council tax or credit card bill?\nCHOOSE ONE ONLY\n1. Council tax\n2. Credit card\n3. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D186))),\"\")","v":""},"","","","","","",""]
[false,"Out","A17",188,"Ability","Understanding risk","Understanding risk","YA understand risks associated with informal/unstable income sources (including gambling)","N","A) How much risk do you feel is connected with each of the following?  You can consider any types of risk including those associated with money, safety or health.\na) Dealing drugs\nb) Working as a prostitute\nc) Transferring stolen money between countries (sometimes known as money muling)\nd) Shoplifting\n\nB) And how much risk do you feel is connected with each of the following?  \na) Working cash-in-hand without a contract\nb) Having a zero-hours contract \nc) Gambling (e.g. poker, sports betting, slot machines)\nd) Working as an escort or exotic dancer\n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. A high level of risk\n2. A moderate level of risk\n3. A small amount of risk\n4. No risk\n5. Don't know ","Ask both questions, in this order.\n\nSome of these options contain sensitive topics and can be omitted if deemed unsuitable for any service users.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D187))),\"\")","v":""},"","","","","","",""]
[false,"Out","A17",189,"Ability","Understanding risk","Understanding investment risk","YAS are able to identify different types/levels of investment risk ","N","I would like to know whether you think the following statements are true or false.....\n a) An investment with a high return is likely to be low risk\n b) It is usually possible to reduce the risk of investing in the stock market by buying a wide range of stocks and shares. \n\nFOR EACH STATEMENT: CHOOSE ONE ONLY\n1. True\n2. False\n3. Don't know",null,"All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D188))),\"\")","v":""},"","","","","","",""]
[false,"Out","W4",190,"Wellbeing","Other","Wellbeing",null,"Y","How much do you agree or disagree with the following statement?\n- 'Thinking about money makes me anxious'\n\nCHOOSE ONE ONLY\n1. Strongly agree\n2. Tend to agree\n3. Tend to disagree\n4. Strongly disagree\nDon’t know","Other indicators use the same question and response options. If you select more than one of these indicators, you can present each question as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, response options along the top.","All",null,{"$f":"IFERROR(INDEX(D$2:D$191,SMALL(IF(B$2:B$191=\"In\",ROW(D$2:D$191)-1),ROW(D189))),\"\")","v":""},"","","","","","",""]

{"sheet":"Output File","index":53,"n_rows":192,"n_cols":9,"rows_kept":192,"cut":false,"hidden":false,"merged":[]}
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[null,"Question No.","Domain","Higher level outcome","Lower level outcome","Indicator","Foundation outcome","Final framework question","Notes for users"]
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{"sheet":"1. Financial wellbeing","index":54,"n_rows":14,"n_cols":12,"rows_kept":14,"cut":false,"hidden":true,"merged":[]}
[]
[null,null,"Higher level outcome","Lower level outcome","Indicator","Original source","Status","Final framework question","Require testing? (Yes, No, Potentially)","Reason for testing (if applicable)","Adapt for pre/post?","Notes for users"]
[null,1,"Ability to live (adequately) within means","Managing well day-to-day","Satisfaction with standard of living \n","USOC Finnow","Adapted","How well would you say you yourself are managing financially these days? Would you say you are...\nCHOOSE ONE ONLY\n1. Living comfortably\n2. Getting by alright\n3. Just about getting by\n4. Finding it quite difficult\n5. or finding it very difficult?","No - removes only \"[yourself]\" qualifier from the question.",null,"No"]
[null,2,"Ability to live (adequately) within means","Managing well day-to-day","Satisfaction with standard of living \n","Fincap (B2) - originally ONS","Original","Overall, how satisfied are you with your life nowadays?\n\nPlease answer on a scale of 0 to 10, where 0 is ‘not at all satisfied’ and 10 is ‘completely satisfied’ \n\n0 Not at all satisfied\n...\n10 Completely satisfied\nDon’t know","No",null,"No","Use a visual 0 to 10 scale with the statements indicated attached the extremes.\n\nUse in conjuction with question 1, to demonstrate impact of improved financial capability on wider wellbeing"]
[null,3,"Ability to live (adequately) within means","Managing well day-to-day","Satisfaction with standard of living","OECD QF10","Adapted","I am now going to read out some statements. I would like to know how much you agree or disagree with each of the following statements. \n- My financial situation limits my ability to do the things that are important to me \n- I am satisfied with my present financial situation\nCHOOSE ONE FOR EACH\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know","No - slight wording changes","Are the different items distinct? Does it matter if people think they overlap?\n\nLow priority as there are 2 other questions within this indicator.","No"," "]
[null,4,"Ability to live (adequately) within means","Managing well day-to-day","Living within means\n","WAS ORunout","Adapted","How often these days do you run out of money before the end of the week or month or need to use a loan, credit card or overdraft to get by?\nCHOOSE ONE ONLY\n1. Always,\n2. Most of the time,\n3. Sometimes,\n4. Hardly ever,\n5. Never","Potentially - 'these days' replaced past 12 months  ","Test 'these days' in the context of running out. What reference period do people have in mind?\n\nLow priority as possible to use Q5, also change is minor and may not require testing","No"]
[null,6,"Ability to live (adequately) within means","Self-reported financial difficulty",null,"Fincap J1","Changed","Which one of the following statements best describes how well you are keeping up with your bills and credit commitments at the moment? [Please include those you have personally or jointly with your partner/spouse]\nCHOOSE ONE ONLY\n1. Falling behind\n2. It is a constant struggle\n3. It is a struggle from time to time\n4. Keeping up without any difficulties\n5. Don’t have any bills or credit commitments\n6. Don't know\n8. Prefer not to say","Yes - questions editted for conciseness and to remove I/we. Responses have been re-ordered.","This is essentially a new question. Test whether people understand all the response codes and state falling behind if they have any arrears. Do they think about all their commitments, including those of the household which they are responsible for?","No"]
[null,{"$f":"B7+1","v":7},"Ability to live (adequately) within means","Falling behind/in debt/in arrears",null,"FFH Unable","Adapted","In the last [SIX] months, have [you / or your partner] been unable to pay any of these bills due to a lack of money?\nCHOOSE ALL THAT APPLY\n1. Rent or mortgage payments\n2. Council tax\n3. Gas, electricity or other fuel bills\n4. Water bill\n5. Telephone bill (including mobile phone, broadband)\n6. Credit or store card bills\n7. Repayments on a loan or advance,\n8. Repayments on goods bought on hire purchase or mail order\n9. TV licence\n10. Income Tax or VAT payments\n11. Any other bill or regular commitment\n12. None of these (SINGLE CODE ONLY)","No - modified only to reflect change to reference period","No - Will need to check that users are able to change reference period","No, but note use of reference period in question","Practitioners can change [six] months to a reference period which is consistent with the lapsed time between the intervention and follow up measurement"]
[null,{"$f":"B8+1","v":8},"Ability to live (adequately) within means","Material deprivation",null,"WB B3","Adapted","How often these days do you and your household go without food, heating, bills or other necessary items due to a lack of money?\nCHOOSE ONE ONLY\n1. Always,\n2. Most of the time\n3. Sometimes\n4. Hardly ever\n5. Never","Yes","What do people understand by the examples given in the question? Is there a seasonal effect, given mention of heating. Also test 'these days'.\n\nLow priority as there is another tested question within the indicator","No"]
[null,9,"Ability to live (adequately) within means","Material deprivation",null,"SILC Afford","Adapted","Looking at this list, can I just check whether your household could afford the following things? \nCHOOSE ALL THAT APPLY\n1. A week's annual holiday away from home\n2. Buying new, rather than second hand, clothes\n3. Keeping your home adequately warm in winter\n4. Having friends or family for a drink or meal once a month\n5. Going out or socialising\n6. A hobby or leisure activity\n7. Replacing a major electrical appliance (e.g. fridge)\n8. Keeping your home in a decent state of decoration\n9. None of these (SINGLE CODE ONLY)","No - Minor changes to options drawing on alternative questions",null,"No"]
[null,10,"Financial resilience - ability to withstand financial shocks",null,null,"Fincap I10","Adapted","Thinking about an unexpected bill which you have to pay within seven days from today.\n\nWhich, if any of the following would you do to pay a bill of £300? \n\nIf you think you would do more than one, please select the main thing you would do, that is the one you would get the most money from.\nCHOOSE ONE ONLY\n1. I  would pay it with my own money, without dipping into savings or cutting back on essentials\n2. I would pay it with my own money, without dipping into savings but I would have to cut back on essentials\n3. I would have to dip into savings \n4. I would use a form of credit (e.g. credit card, take out a loan or make use of an authorised overdraft facility)\n5. I would go overdrawn without authorisation\n6. I would get the money from friends or family as gift or loan\n7. I would have to sell personal/household item(s) to get the money  \n8. I would not be able to pay this expense\n9. Don’t know \n10. Prefer not to say","No - minor changes to remove \"we/our\" qualifier from the question",null,"No"]
[null,11,"Financial resilience - ability to withstand financial shocks",null,null,"Genworth","Adapted","Do you (and your partner) currently have at least as much money in savings as you get in income each month? \nCHOOSE ONE ONLY\n1. No\n2. Yes, about 1 month\n3. Yes, about 2 months\n4. Yes, three months of more\n\n","Potentially","Do people feel able to make the calculations and then select the code that best apply\n\nFinCap q is complex / long - need a concise alternative for short questionairres ","No"]
[null,12,"Finances and emotional/mental wellbeing",null,null,"NI L&T 2000 LoseJob and DAE Q28","Changed","A) To what extent, if at all, do you worry about your current financial situation?\nCHOOSE ONE ONLY\n1. Worry a great deal \n2. Worry to some extent \n3. Worry a little \n4. Don’t worry at all \n5. Don’t know\n\nB) And which of the following, if any, do you experience these days because of your household's financial situation?\nCHOOSE ALL THAT APPLY\n1. Stress or anxiety\n2. Low mood or depression\n3. Difficulty concentrating or relaxing\n4. Difficulty sleeping\n5. Panic attacks\n6. Difficulty eating, or eating too much\n7. Increased use of alcohol \n8. Dependence on prescription or over-the-counter drugs\n9. Use of illicit (illegal) drugs\n10. None of these (SINGLE CODE ONLY)\n11. Don't know\n12. Prefer not to say","Potentially","These are essentially new questions. Are the response codes at B meaningful and comprehensive; are people comfortable choosing them?","No","Both questions can be asked, but in this order."]
[null,13,"Confidence in financial future",null,null,"BASE QCstali ","Adapted","Taking everything into account, how confident are you that you will have enough money to give you the standard of living you hope for in a year from now?\nCHOOSE ONE ONLY\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n5. Don’t know","No - minor change from 'in retirement' to 'in a year from now'",null,"No"]

{"sheet":"4. Behaviour","index":55,"n_rows":27,"n_cols":13,"rows_kept":27,"cut":false,"hidden":true,"merged":[]}
[]
[null,null,"Higher level outcome","Lower level outcome","Indicator","Additional subindicator","Original Source","Status","Final framework question","Require testing? (Yes, No, Potentially)","Reasons for testing (if applicable)","Adapt for pre/post?","Notes for users"]
[null,1,"Dealing with financial difficulties",null,"Taking steps to reduce their debt (such contacting creditors, sticking to an agreed repayment plan etc.) or to reduce their spending/commitments ",null,"Fincap J4","Changed","PRE\nWhich, if any, of the following steps have you taken [in the last X months] to reduce the amount of money you owe on your outstanding debts, including credit commitments and bill arrears?\nPOST\nWhich, if any, of the following steps have you taken since [REFERENCE POINT] to reduce the amount of money you owe on your outstanding debts, including credit commitments and bill arrears?\nCHOOSE ALL THAT APPLY\n1. Increased my regular payments\n2. Paid a lump sum towards them\n3. Spoken to my lender\n4. Sought independent advice (e.g. from Citizen's Advice Bureau, StepChange, Money Advice Service, [OTHERS])\n5. Consolidate your loans or credit cards\n6. Set up a Debt Management Plan or Debt Arrangement Scheme\n7. Arranged to write off some or all of my debts (e.g. Applied for bankruptcy or a debt relief order or set up an IVA)\n8. None of these  (SINGLE CODE ONLY)\n9. Do not have any debts  (SINGLE CODE ONLY)\n","Yes","Response code may be too long and not coherent (or comprehensive) enough","Yes","Practitioners can optionally insert additional actions relevant to their intervention prior to code 'None of these'. Actions need to be relevant, clearly stated and as succinct as possible.\n\nPractitioners will need to insert a reference period which is relevant to their intervention and, if using the POST version, change REFERENCE POINT to something relevant to intervention (e.g. since the workshop, or since you last saw us)."]
[null,{"$f":"B3+1","v":2},"Managing money well day-to-day",null,"Keeping track of income and spending",null,"Fincap F2","Adapted","Which of these best describes how accurately you know how much money you have at present, excluding any savings?  We’re not interested in how much money you have, just how accurately you know how much money you have to spend. \nCHOOSE ONE ONLY\n1. I know within a pound or two\n2. I know within £10 \n3. I know within £50\n4. I know within £100 \n5. I know within £500\n6. I have no idea at all\n\n","Potentially","It would be useful to see how respondents cope with the values given in the response codes. Do they feel they prompt them into saying they know within a pound or two (consider testing a question with codes reversed).","No","This question should be asked before asking respondents about how they keep track of their money (Q3)."]
[null,{"$f":"B4+1","v":3},"Managing money well day-to-day",null,"Keeping track of income and spending",null,"Fincap F4","Adapted","Which, if any, of the following describe what you do to keep track of your money?\nCHOOSE ALL THAT APPLY\n1. Keep a mental note/ a note in my head\n2. Keep a spending diary, log or spreadsheet\n3. Keep receipts\n4. Check your balance\n5. Compare receipts/spending against your statements\n6. Check all incomings and outgoings on your statements\n7. Compare spending between one month and another\n8. File and retain statements\n9. Something else\n10. None of these  (SINGLE CODE ONLY)\n\n","Potentially","To check the response codes are meaningful and come in an order which makes sense","No","Practitioners can optionally insert additional actions relevant to their intervention prior to code 'Something else'. Actions need to be relevant, clearly stated and as succinct as possible.\n\nPositive change includes movement from 1 or 10 to any others and / or increasing the number of behaviours they have adopted "]
[null,4,"Managing money well day-to-day",null,"Creating and sticking to a viable budget",null,"CitA 3","Adapted","A) How closely do you normally plan how you will spend your money over the coming week or month? For example by drawing up a budget.\nCHOOSE ONE ONLY\n1. Very closely\n2. Fairly closely\n3. Not very closely\n4. I do not plan my spending at all\n5. Don't know\n\nB) And, how often do you keep to the budget you set?\nCHOOSE ONE ONLY\n1. Always \n2. Most of the time\n3. Sometimes\n4. Hardly ever\n5. Never\n6. Do not budget","No - (A) Minor re-drafting of question wording, drawing on similar, alternative questions",null,"No","Both questions should be used together, in this order."]
[null,5,"Managing money well day-to-day",null,"Creating and sticking to a viable budget",null,"FinCap I4","Adapted","To what extent would you say the following applies to you?\n\n- I think of my money in terms of “pots” put aside for different things.\n\nPlease answer on a scale of 0 to 10, where 0 means it doesn’t sound like you at all and 10 means it sounds a lot like you\n","No - removal only of autofill text which refers to partner/spouse",null,"No","Use a visual 0 to 10 scale with the statements indicated attached the extremes."]
[null,6,"Managing money well day-to-day",null,"Managing bill payments - pay bills on time (and in full if possible) ",null,"DAE Q19","Adapted","How often do you delay or miss paying a bill, beyond the date it becomes due?\nCHOOSE ONE ONLY\n1. I often do this \n2. I occasionally do this \n3. I rarely do this \n4. I never do this","Potentially","How do people understand the due date","No"]
[null,7,"Managing money well day-to-day",null,"Managing bill payments - pay bills on time (and in full if possible)",null,"BASE Qbplan","Adapted","How well do you usually plan ahead to make sure you have the money to pay for regular bills and expenses? \nCHOOSE ONE ONLY\n1. Plan ahead to cover the full amount\n2. Plan ahead to cover some of the amount\n3. Don't plan ahead because there is always enough money to cover them\n4. Don't plan ahead at all\n","Yes","This is essentially a new question and the response codes are not mutually exclusive. Also conflates affordability with planning.","No"]
[null,8,"Managing money well day-to-day",null,"Maximising income (e.g.. claim benefits, shopping around for best deals etc.) ","Shopping around for the best deals ","Fincap E14","New","A) When did you last do each of the following things?:\n\n- Compared bank accounts to make sure you are not paying more fees or charges than you need to pay\n- Compared saving accounts to make sure you are receiving the best rate of interest on your savings\n- Compared credit cards or loans to make sure you are paying as little in interest as possible\n - Compared electricity or gas deals to make sure you are on the best deal available\n- Compared phone,  broadband or TV deals to make sure you are on the best deal available\n- Compared insurance policies (e.g. car, home, pet) to make sure you are on the best deal available\nCHOOSE ONE FOR EACH\n1. Within the last month\n2. Between one and three months ago\n3. Between three and six months ago\n4. Between six and one year ago\n5. Between one and five years ago\n6. More than five years ago\n7. Never \n8. Not applicable - don't have or need this\n\nB) And thinking about the last time you checked whether you were on the best deal, what did you do as a result?\nCHOOSE ONE FOR EACH CODED 1-6 ABOVE\n1. I switched product or provider \n2. I chose to stay with my current product/provider \n3. I haven’t made my mind up\n4. Don't know/can't remember","Yes","The question needs considerable development and then testing","Yes, potentially, in relation to timeframes","This question may not be needed if the one above is adequate. \n\nPractitioners can select which of the actions they wish to include and add additional items if appropriate. New items should be relevant, clear and as succinct as possible\n\nThese questions should be asked in this order. B need not be asked if response to A is 7 or 8.\n\nFor measurement at post intervention, users will need to take into account the long time periods referenced in the answers to A, as longer periods may overlap with pre-intervention"]
[null,9,"Managing money well day-to-day",null,"Maximising income (e.g.. claim benefits, shopping around for best deals etc.)","Shopping around for the best deals ","CitA","Adapted","Which of the following things, if any, do you currently do to make your money go further?  \nCHOOSE ALL THAT APPLY\n1. Shop around for food and groceries \n2. Look out for special offers or reduced items\n3. Plan meals in advance \n4. Make a shopping list\n5. Avoid treats and non-essential items\n6. Use money saving tips\n7. Turn lights/power off at home when they are not in use\n8. Check the charges on essential bills such as electricity or phone to see if there is a cheaper tariff or supplier available  \n9. None of these","No - minor change only to question text to remove reference to \"regular\" actions and addition (5,6,8) and slight modification of actions (4), ideas taken from other alternative questions",null,"No","Practitioners can optionally insert additional actions relevant to their intervention prior to code 'None of these'. Actions need to be relevant, clearly stated and as succinct as possible."]
[null,10,"Managing money well day-to-day",null,"Maximising income (e.g.. claim benefits, shopping around for best deals etc.) ","Shopping around for the best deals ","X","New","When choosing or renewing a product such as mobile phone contracts, energy tariffs, or credit cards which of the following is most like you.\nCHOOSE ONE ONLY\n1. I always spend time comparing different products  \n2. I sometimes spend time comparing different products but I don't always have the time\n3.  I  tend to make decisions based on convenience rather than shopping around.","Yes","New question","No"]
[null,{"$f":"B12+1","v":11},"Managing money well day-to-day",null,"Maximising income (e.g.. claim benefits, shopping around for best deals etc.)","Claiming benefits ","X","New","When did you last do each of the following things?:\n- Checked whether you are receiving all the benefits, tax credits or pension that you are entitlement to\n- Applied for new or additional benefits, tax credits or pension that you are entitled to\n- Increased or tried to increase your income in some other way (e.g. applied for a job, claimed grants)\nCHOOSE ONE FOR EACH\n1. Within the last month\n2. Between one and three months ago\n3. Between three and six months ago\n4. Between six and one year ago\n5. Between one and five years ago\n6. More than five years ago\n7. Never (SINGLE CODE ONLY)\n8. Not applicable - don't have or need this 9SINGLE CODE ONLY)","Yes","These are new questions","No","Practioners can select which of the actions they wish to include and add additional items if appropriate. New items should be relevant, clear and as succinct as possible"]
[null,12,"Managing money well day-to-day",null,"Using credit responsibly/sensibly",null,"Fincap E10","Changed","Which of the following describes how you normally repay the money owed on your credit or store card(s) ?\nCHOOSE ONE ONLY\n1. The minimum payment allowed\n2. More than the minimum but less than the full amount\n3. The full amount\n4. It varies too much to say\n5. Don’t know\n6. Prefer not so say","No - simplification of the question and response codes, based on alternative, established questions",null,"No"]
[null,13,"Managing money well day-to-day",null,"Using credit responsibly/sensibly ]",null,"DAE Q23","New","Which of the following, if any, do you currently have? \nCHOOSE ALL THAT APPLY\n1. A credit card which you are using to pay off another card\n2. A credit or store card which you are unable to make the minimum payments on\n3. A loan, hire purchase or mail order account which you are unable to pay when the payment(s) came due  \n4. A loan, including a payday or pawnbroking loan, which you have rolled over, extended or renewed\n5. An authorised overdraft balance which is getting bigger each month \n6. An unauthorised overdraft which you are using\n7. Money you have borrowed from an unlicensed lender ('loan shark') \n8. None of these (SINGLE CODE ONLY)\n9. Don't know (SINGLE CODE ONLY)\n10. Prefer not to say (SINGLE CODE ONLY)","Yes","New question. ","No"]
[null,14,"Managing money well day-to-day",null,"Using credit responsibly/sensibly",null,"WB B4a and HCC 8.9","Changed","A) Do you and your household ever [use credit or borrow money] to buy food or pay for other necessary items because you have run short of money?\nCHOOSE ONE ONLY\n1. Yes, regularly\n2. Yes, sometimes \n3. No\n\nB) And which of the following types of credit would you normally use to pay for food or other necessary items?\n1. Credit or store card\n2. Overdraft \n3. Payday loan\n3. Loan from company that collects payments from your home (e.g. Provident, Greenwoods)\n5. Loan from a pawnbroker\n7. Loan from a Credit Union or other community finance organisation\n8. A loan from a friend or relative.\n9. Loan from the Social Fund\n10. Loan from an unlicensed lender who charges interest, sometimes called a loan shark\n11. Any other type of loan from a bank, building society or finance company e.g. Norton Finance, Blackhorse car finance\n11) Something else\n12) Don't know\n13) Prefer not to say","No - recast from yes/no into frequency question using standard question wording, also only minor changes to question wording which draws on existing alternative survey questions",null,"No"]
[null,15,"General saving behaviour ",null,"Saving on a regular basis ",null,"FinCap G3 and G4\n\nCitA Q33","Original\n\nChanged","A) Which of these best describes how often you save money?\nCHOOSE ONE ONLY\n1. Every month\n2. Most months\n3. Some months, but not others\n4. Rarely/never\n5. Don’t know\n\nB) Just thinking about the months that you save money is the amount that you save…\n1. Roughly the same each month\n2. A little different from month to month\n3. Very different from month to month\n4. Don’t know\n\nC) About how much on average do you personally manage to save each month, at the moment? \nENTER AMOUNT IN £\nVaries too much to say","Yes","To check the modified question and response codes make sense and are as inclusive as possible\n\nHow easily can people estimate how much they save and do they need more prompts etc.","No","These questions are best asked only if an initial question has been asked which defines what we mean by saving (see, for example the question which asks In which of the following ways are you currently putting money aside or saving it for a later time?).  It is advisable to use these questions together as an integrated set."]
[null,16,"General saving behaviour ",null,"How people save ",null,"OECD QF3","Adapted\n\nOriginal\n\nChanged","In which of the following ways are you currently putting money aside or saving it for a later time? \nCHOOSE ALL THAT APPLY\n1. By saving cash at home, in your wallet or another safe place\n2. Building up a balance of money in your bank account \n3. Paying money into a savings account\n4. Paying money into a credit union account \n5. Giving money to family to save on your behalf \n6. Saving in <an informal savings club> \n7. Buying financial investment products, other than pension funds [give examples such as bonds, investment trusts, stocks and shares]\n8. Or in some other way (including remittances, buying livestock, gold or property)\n9. None of these (SINGLE CODE ONLY)\n10. Don’t know","Yes","To check the modified question and response codes make sense and are as inclusive as possible\n\nHow easily can people estimate how much they save and do they need more prompts etc.","No","The follow up questions (B,C) can only be asked if the first question has been asked to orientate people to what we mean by saving."]
[null,17,"General saving behaviour ",null,"What people save for ",null,"WAS OWhySav","New","A) People save money for different reasons.  Which, if any, of the following reasons are you saving for?\nCHOOSE ALL THAT APPLY\n1. For a specific expense, purchase or event\n2. For unexpected expenditures\n3. As a safety net or peace of mind\n4. To see my money grow/ as speculation\n5. Don't spend all of income\n6. No particular reason\n7. None of these\n\nIF CODE 1 AT A (SPECIFIC/PLANNED EXPENSES)\nB) What planned expenses, purchases or events, if any, are you saving for?\nCHOOSE ALL THAT APPLY \n1. For known or expected bills\n2. For holidays, day trips or other leisure activities \n3. For birthdays, Christmas, Eid or other celebrations\n4. Home improvements\n5. Purchasing a car/van/motorbike\n6. To buy, rent or move house\n7. A wedding\n8. Starting a family/having another child\n9. Education or change of career \n10. To help other family members financially through gifts or an inheritance\n11. To provide a regular income for the coming months\n12. To provide income for retirement\n13. Some other planned expense\n14. None of these","Yes","This essentially a new question. Does breaking the codes up into two lists work?  Does \"no particular reason\" overlap with other codes e.g. safety net.","No","Practitioners can choose to use either question or both, remembering to include the preamble once."]
[null,18,"Preparing for and managing life events",null,"Working towards relevant longer-term financial goals e.g.. home ownership",null,"Fincap D2","Original\n\n","A) Which, if any, of these financial goals do you have for the next five years?\nPLEASE SELECT ALL THAT APPLY \n1. Just making ends meet day to day\n2. Paying off my debts/reducing debts\n3. To buy, rent or move house\n4. Saving money for a wedding\n5. Saving money to start a family/have another child\n6. Saving money for education (for me or my children)\n7. Saving money to help grown-up children to buy/rent  a home\n8. Saving money for a holiday\n9. Saving money for retirement\n10. Saving money for home improvements\n11. Saving money to purchase a car/van/motorbike\n12. Saving money generally\n13. Other (please specify)\n14. None of these (SINGLE CODE ONLY)","No",null,"No"]
[null,19,"Preparing for and managing life events",null,"Saving for retirement",null,"Fincap H1","Adapted","Are you currently paying into one or more pensions? This can include an employer or any other type of private pension\nCHOOSE ONE ONLY\n1. Yes\n2. No\n3. I am retired so I am not paying into a pension\n4. Don’t know","No - minor changes only to qualifier text (types of pensions to include)",null,"No"]
[null,20,"Preparing for and managing life events",null,"Saving for retirement",null,"X","New","When did you last increase the amount you pay into your pension? \nCHOOSE THE FIRST ONE WHICH APPLIES TO YOU\n1. Within the last three months\n2. Within the last year\n3. Within the last two years\n4. Within the last five years\n5. Longer than five years ago\n6. I am retired so I am not paying into a pension","Yes","This is a new question. How is increasing the amount interpreted by people with different types of pensions or none. Are the response codes inclusive"]
[null,21,"Preparing for and managing life events",null,"Saving for retirement","Checking projected income","AtP IncKnow","Adapted","I'd now like you to think about how much your income in retirement will be. \n\nA) Which of these statements best describes your knowledge of how much your income in retirement will be? \nCHOOSE ONE ONLY\n1. I have a good idea of what my income in retirement will be\n2. I have a fair idea of what my income in retirement will be\n3. I know vaguely whether I will have enough to live on or not in retirement, but no more than that\n4. I have no idea of what my income in retirement will be\n\nB) Which of the following best describes your expectations of your income in retirement? \nCHOOSE ONE ONLY\n1. I know it will meet my needs\n2. I know it won't meet my needs\n3. I don't know if it will meet my needs or not","Yes","The second part of the question is new. How is it understood and how is it distinct from the previous question","No","Practitioners can use either or both, remembering to use the preamble once.\n\nUsers should be aware that clients may experience a drop on this measure following an intervention if there increased knowledge means they are less confident about their retirement income. "]
[null,22,"Preparing for and managing life events",null,"Saving for retirement","Steps to ensure adequate income","X","New","PRE\nThinking about the last [SIX] months, which of the following, if any, have you done in relation to your pension or retirement income? \nPOST\nSince [REFERENCE POINT], which of the following, if any, have you done in relation to your pension or retirement income? \nCHOOSE ALL THAT APPLY\n1. Checked whether my income will be enough will be enough to meet my needs in retirement\n2. Increased how much I am paying towards my retirement income\n3. None of these (SINGLE CODE ONLY)","Yes","Yes, this is a new question. Is it comprehensible and inclusive?","No","Practitioners can change the standard reference period of [SIX] months for pre-intervention to one relevant to their intervention (which may depend on how acute the advice need is), and should change REFERENCE POINT to reference their intervention (e.g. \"since the workshop\" \"since you last saw\")"]
[null,23,"Preparing for and managing life events",null,"Having appropriate insurance/income protection",null,"Fincap E12\n/3","Changed","Which, if any, of the following protection products do you and your partner/spouse have, even if you didn't arrange them yourself? \nCHOOSE ALL THAT APPLY\n1.  Home insurance (covering contents and/or the building)\n2. Insurance for specific items (e.g. white goods, mobile phone)\n3. Payment protection insurance (e.g. for a credit card or mortgage)\n4. Private Medical Insurance (paying or part-paying private hospital or specialist health care)\n5. . Critical illness Insurance (paying a lump sum if you become seriously ill)\n6. Income protection insurance  (providing regular payments if you cannot work due to ill health or accident)\n7. Life insurance that pays out on death\n8. Anther type of insurance\n9. Funeral plan\n10. A will \n11.[OTHER/ADDITIONAL ITEMS]\n12. None of these (SINGLE CODE ONLY)","No - Merges two fincap questions with little change to wording.",null,"No"]
[null,24,"Cross-cutting",null,"Proactively seeking advice and guidance ",null,"WAS DBurdW","Adapted","PRE\nWhich of these, if any, have you sought advice from in relation to money or your finances in the last [SIX] months?\nPOST\nWhich of these, if any, have you sought advice from in relation to money or finances since [REFERENCE POINT]?\nCODE ALL THAT APPLY\n1. A free advice agency (Citizens Advice Bureau, money advice centre, debt advice agency, law centre, consumer credit counselling service, National Debtline)\n2. A fee-charging advice company\n3. An insolvency practitioner\n4. Accountant, bank manager or other financial adviser\n5. Solicitor or lawyer\n6. A social landlord\n7. Friends or relatives\n8. The internet\n9. Some other source \n10. None of these (SINGLE CODE ONLY)","Yes","What do people count as advice. Are the response codes complete and appropriate?","See textfill (indicated in [ ] )","Practitioners can change the standard reference period of [six] months for pre-intervention to one relevant to their intervention (which may depend on how acute the advice need is), and should change REFERENCE POINT to reference their intervention (e.g. \"since the workshop\" \"since you last saw\")"]
[null,25,"Cross-cutting",null,"Proactively seeking advice and guidance online","Using the internet to manage their money better","DSK 2.1","Adapted","How often in the last [THREE MONTHS] have you gone online for the following purposes?\n\n- For information or advice on a financial product you needed or wanted\n- To find out whether a financial product was suitable for you\n- To compare financial products to find the best deal for you\n\nCHOOSE ONE FOR EACH\n1. Every day\n2. Every week\n3. Every few weeks\n4. Never \n5. Don’t know","Potentially","The response codes may need testing for sense and completeness","No","Practitioners can replace [THREE MONTHS] with a reference period which relates to their intervention. \n\nPractitioners may additionally wish to use only those items which relate to their intervention"]

{"sheet":"2. Means","index":56,"n_rows":12,"n_cols":11,"rows_kept":12,"cut":false,"hidden":true,"merged":[]}
[]
[null,null,"Higher level outcome","Lower level outcome","Original source","Status","Final framework question","Require testing? (Yes, No, Potentially)","Reason for testing \n(if applicable)","Adapt for pre/post?","Notes for users"]
[null,1,"Income","Employment status","Standard question","Original","Thinking about your employment, what is your current status?\n\nSELECT ONE ONLY\nIF MORE THAN ONE APPLIES, SELECT MAIN STATUS\nIF ON MATERNITY LEAVE FROM EMPLOYER AND PLANNING ON RETURNING COUNT THIS AS WORKING\n1. Working for an employer full-time (that is for 30 or more hours per week)\n2. Working for an employer part-time (that is for less than 30 hours per week)\n3. Self-employed (with or without workers)\n4. Unemployed and looking for work\n5. Unemployed and not looking for work\n6. Retired\n7. Student\n8. Permanently sick / disabled\n9. Temporarily sick \n10. Looking after home\n11. Other \n","No",null,"No","No"]
[null,2,"Income",null,"Fincap P4","Changed","A) Which of the following sources of income, if any, do you currently have? Please include any income you receive personally or jointly with your partner or spouse. \nCHOOSE ALL THAT APPLY  \n1. Income from employment/self-employment (including sick pay)\n2. Income from personal or occupational pensions\n3. Income from savings/investments\n4. Rent you receive from boarders or lodgers (not family members) or other property you rent out or sublet\n5. Child maintenance payments\n6. Other types of payments or maintenance from parents or other family members who you do not live with, including as regular gifts\n7. None of these (SINGLE CODE ONLY)\n8. Don’t know  (SINGLE CODE ONLY)\n9. Prefer not to say  (SINGLE CODE ONLY)\n\nB) And which of the following sources of income do you currently have, if any?\nCHOOSE ALL THAT APPLY  \n1. State Pension\n2. Pension Credit\n3. Child benefit\n4. Universal Credit\n5. Working Tax Credits\n6. Job Seekers Allowance (JSA) \n7. Employment and Support Allowance (ESA)\n8. Income Support \n9. Housing benefit\n10. Council Tax Reduction\n11. Disability Living Allowance (DLA), Personal Independence Payment (PIP) or Attendance Allowance (AA)\n12. Carers Allowance\n13. Something else \n14. None of these (SINGLE CODE ONLY)\n15. Don't know (SINGLE CODE ONLY)\n16. Prefer not to say (SINGLE CODE ONLY)","No - draws on standardised questions widely used elsewhere",null,"Yes","Practitioners can choose to use either or both questions, depending on need."]
[null,3,"Income",null,"Fincap P1","Adapted ","Which band from the grid below does your household’s total gross income from all sources fall into?\n[INCOME is any money from work, including a second job or occasional work, and any other sources, such as benefits, pensions, savings and investments, maintenance payments and rent from property or subletting.]\nGROSS means the amount you receive before any deductions, income tax, National Insurance etc. \nCHOOSE ONE ONLY\n Per Week Per Month Per Year\n1. Up to £86 Up to £374 Under £4,500\n2. £87 - £124 £375 - £541 £4,500 - £6,499\n3.  £125 - £143 £542 - £624 £6,500 - £7,499\n4.  £144 - £182 £625 - £791 £7,500 - £9,499\n5. £183 - £220 £792 - £957 £9,500 - £11,499\n6. £221 - £259 £958 - £1,124 £11,500 - £13,499\n7.  £260 - £297 £1,125 - £1,291 £13,500 - £15,499\n8.  £298 - £336 £1,292 - £1,457 £15,500 - £17,499\n9.  £337 - £384 £1,458 - £1,666 £17,500 - £19,999\n10.  £385 - £480 £1,667 - £2,082 £20,000 - £24,999\n11. £481 - £576 £2,083 - £2,499 £25,000 - £29,999\n12. £577 - £672 £2,500 - £2,916 £30,000 - £34,999\n13. £673 - £768 £2,917 - £3,332 £35,000 - £39,999\n14. £769 - £961 £3,333 - £4,166 £40,000 - £49,999\n15 £962 - £1,441 £4,167 - £6,249 £50,000 - £74,999\n16.  £1,442 - £1,922 £6,250 - £8,332 £75,000 - £99,999\n17. £1,923+ £8,333+ £100,000+\n18. Don’t know\n19. Prefer not to say ","No - only removes some autofill text used in the routing to the original question",null,"No","The text shown in [green text] is optional and need only be asked if questions about sources of income have not been asked.\n\nUsers can alternatively ask for a precise figure or specify by week, month or year, depending on the nature and needs of the client."]
[null,4,"Income",null,"X","NEW","POST\nBy how much has your income increased since [REFERENCE POINT]?\n1. ENTER AMOUNT IN £\n2. Stayed the same\n3. Has fallen\n4. Don't know\n5. Prefer not to say","Potentially","Need to check whether people can estimate without prompt, whether we need to specify 'annual' income and how people on weekly or monthly incomes answer (e.g. benefit recipients may think of income on a month by month basis).\n\nHigh priority as increased income may be a key outcome for interventions seeking to maximise income and this question will be more straightforward to capture and analyse than income \n\n \n\n","No, but POST only","Suitable for use post-intervention only. Practitioners should replace [REFERENCE POINT] with something appropriate to their intervention (such as 'since the workshop' or 'since you last saw us')"]
[null,5,"Income",null,"Fincap P3","Original","Which one of these best applies to you personally?\n1. Pay income tax at a basic rate\n2. Pay income tax at a higher rate\n3. Do not pay income tax\n4. Don’t know\n5. Prefer not to say","No",null,"No"]
[null,6,"Savings",null,"Fincap G5","Adapted ","A) Approximately how much, if anything, do you personally have in savings and investments? Please do not include any money that you have saved in a pension. \n1. ENTER EXACT AMOUNT\n2. I do not have any savings and investments\n3. Don’t know \n4. Prefer not to say \n\nB) Could you estimate the total within the following bands?\nCHOOSE ONE ONLY\n1. £100 or less\n2. £101 - £500\n3. £501 - £1,000\n4. £1,001 - £9,999\n5. £10,000 - £19,999\n6. £20,000 or more\n7. Don’t know\n8. Prefer not to say ","No - Changes only to formatting (separating out banded options into second question)",null,"No","B will not be necessary if client has been able to answer 1 or 2 at A\n\nUsers can alternatively go straight to the banded answers, depending on the nature and needs of the client."]
[null,7,"Savings",null,"PDL Qsav","Adapted ","Please can you tell me whether you currently have money saved in any of the following types of savings accounts and investments, including any joint accounts? CHOOSE ALL THAT APPLY\n1. A savings or deposit account with a bank or building society\n2. An account with a Credit Union\n3. Cash ISA\n4. Premium bonds\n5. Stocks and shares\n6. Other savings products\n7. Other investment product (not including pension)\n8. None of these (SINGLE CODE ONLY)\n9. Don't know (SINGLE CODE ONLY)\n10. Prefer not to say (SINGLE CODE ONLY)","Potentially","To distinguish saving from current and credit union accounts\n\nLow priority - low likely use and probably only by interventions that will be educating beneficiaries about different savings options","No"]
[null,8,"Other assets",null,"ELSA IAPROP and SEG N6","Adapted ","A) Which, if any, of these assets do you have, not including your own home? Please include any in your sole name or jointly owned with someone else\nCHOOSE ALL THAT APPLY. \n1. Houses, flats or holiday homes, including timeshares (not including this home) \n2. Farm or Business Property (such as a shop, warehouse or garage) \n3. Other land \n4. Cars, motorbikes, boats and other motor vehicles\n5. Money owed to you by others \n6. Money held in a trust \n7. Art, antiques, collectables, jewellery, and other valuables\n8. Other assets\n9. None of these (SINGLE CODE ONLY)\n10. Don't know (SINGLE CODE ONLY)\n11. Prefer not to say (SINGLE CODE ONLY)\n\nB) How much, in total, do you think they are currently worth? We only need your best estimate if you are unsure. \nCHOOSE ONE ONLY\n1. Less than £30,000 \n2. £30,000 to £39,999\n3. £40,000 to £49,999\n4. £50,000 to £74,999\n5. £75,000 to £99,999\n6. £100,000 to £149,999\n7. £150,000 to £199,999\n8. £200,000 to £249,999\n9. £250,000 to £500,000\n10. £500,000+\n11. Don't know (SINGLE CODE ONLY)\n12. Prefer not to say (SINGLE CODE ONLY)","No - a fuller response code compared with the original draws on other established questions. Also removes autofill text in original question which referred to their partner if they had one ",0,"No","This should be last question asked in relation to Other Assets"]
[null,9,"Other assets",null,"WAS Ten1\nSEG F21\nWAS Hvalue","Original","A) In which of these ways do you (and your household) occupy your home?\n1. Own it outright\n2. Buying it with the help of a mortgage or loan\n3. Pay part rent and part mortgage (shared ownership)\n4. Rent it\n5. Live here rent-free (including rent-free in relative's/friend's property; excluding\nsquatting)\n6. Squatting\n\nB) And how much in total is left to pay on your mortgage (or mortgages, if you have more than one). If you are unsure, please give your best estimate.\nCHOOSE ONE ONLY\n1. Less than £10,000\n2. £10,000 to £19,999\n3. £20,000 to £29,999\n4. £30,000 to £39,999\n5. £40,000 to £49,999\n6. £50,000 to £74,999\n7. £75,000 to £99,999\n8. £100,000\n9. to £149,999\n10. £150,000 to £199,999\n11. £200,000 to £249,999\n12. £250,000 to £299,999\n13. £300,000 to £399,999\n14. £400,000 to £499,999\n15. £500,000 or more\n16. Don't know\n17. Prefer not to say\n\nC) About how much would you expect to get (in total and not just your share) for your current home if you sold it today (before paying off any outstanding mortgage or loan on the property)?\nCHOOSE ONE ONLY\nENTER AMOUNT IN £s  If DK, then asked banded question: \n1. Less than £60,000\n2. £60,000 to £99,999\n3. £100,000 to £149.999\n4. £150,000 to £199,999\n5. £200,000 to £249,999\n6. £250,000 to £299,999\n7. £300,000 to £349,999\n8. £350,000 to £399,999\n9. £400,000 to £499,999\n10. £500,000 to £749,999\n11. £750,000 to £999,999\n12. £1 million or more ","No",0,"No","Question B should only be asked if choosing 2 or 3 at A.\n\nAt Question B, users can alternatively asked for a precise figure, depending on the nature of the client.\n\nQuestion C should only be asked if choosing 1, 2 or 3 at A\n\n"]
[null,10,"Access to affordable credit (??)",null,"HCC 8.9","Adapted ","Please can you tell me which of the following you have had in the last [3 months], whether in your own name or jointly with someone else? Please include any that you are in arrears with.\n1. Credit or store card\n2. Overdraft \n3. Payday loan\n3. Loan from company that collects payments from your home (e.g. Provident, Greenwoods)\n5. Loan from a pawnbroker\n7. Loan from a Credit Union or other community finance organisation\n8. A loan from a friend or relative.\n9. Loan from the Social Fund\n10. Loan from an unlicensed lender who charges interest, sometimes called a loan shark\n11. Any other type of loan from a bank, building society or finance company e.g. Norton Finance, Blackhorse car finance\n11) Something else\n12) Don't know\n13) Prefer not to say","No - minor changes to response codes only, based on alternative, established questions. Also removal of some optional qualifier text",0,"No, but see notes for users","Practitioners can amend the 3 months shown to a reference period which is in keeping with their intervention and following period."]

{"sheet":"3. Pressure","index":57,"n_rows":6,"n_cols":12,"rows_kept":6,"cut":false,"hidden":true,"merged":[]}
[]
[null,null,"Higher level outcome","Lower level outcome","Indicator","Original Source","Status","Final framework question","Require testing? \n(Yes, No, Potentially)","Reasons for testing","Adapt for pre/post?","Notes to users"]
[null,1,"Committed expenditure","Debt/credit repayments",null,"SILC 419\nSEG L1","Adapted","A) Apart from any mortgages, do you currently have to repay any credit card, overdraft, hire purchase or other loans or advances? Please include any held in your own name or jointly with someone else.\n1. Yes \n2. No \n3. Don’t know\n\nB) Thinking about the loans and credit commitments held in your own name or jointly with someone else, how much in total do you currently owe on these? We only need your best estimate if you are unsure\nCHOOSE ONE ONLY\n1. Less than £500 \n2. £500 to £999 \n3. £1,000 to £2,499 \n4. £2,500 to £4,999 \n5. £5,000 to £9,999 \n6. £10,000 to £24,999 \n7. £25,000 to £49,999 \n8. £50,000 to £99,999 \n9. £100,000 to £249,999 \n10. £250,000 or more\n11. Don’t know\n12. Prefer not to say","No - (A) only minor reorganisation of the question text for clarity and removal of text which refers to others in the household. (B) Slight recasting of the question to refer to all (non mortgage) borrowing types only, drawing on other established questions",null,"No","B should only be asked if choosing 1 at A"]
[null,2,"Committed expenditure","Additional outgoings",null,"Fincap K2","Adapted","Do you (and your partner if you have one) regularly spend more than £200 a month on any of the following items? \nCHOOSE ALL THAT APPLY \n1. Travel to work\n2. Rent paid because you work away from home and cannot claim it back\n3. Child care\n4. School fees\n5. Care for someone else (including nursing home)\n6. Financial support to a partner, child or other family member who does not live with you\n7. None of these (SINGLE CODE ONLY)\n8. Don’t know (SINGLE CODE ONLY)\n9. Prefer not to say (SINGLE CODE ONLY)","No - removal only of autofill text relating to partner/spouse",null,"No"]
[null,3,"Committed expenditure","Additional outgoings",null,"Fincap K2","Changed","Do you (and your partner if you have one) regularly spend more than you can afford on any of the following items? \nPLEASE SELECT ALL THAT APPLY \n1. Travel to work\n2. Rent paid because you work away from home and cannot claim it back\n3. Child care\n4. School fees\n5. Care for someone else (including nursing home)\n6. Financial support to a partner, child or other family member who does not live with you\n7. Paying off credit or store cards \n8. Paying for goods bought on hire purchase or mail order\n8. None of these (SINGLE CODE ONLY)","No - removal only of autofill text relating to partner/spouse and slight recasting to spend 'more than you can afford' ",null,"No"]
[null,4,"Committed expenditure","Dependent children",null,"WB C12b","Adapted","How many children depend on you financially?","No - minor change of wording only, from 'economically' to 'financially'",null,"No"]

{"sheet":"5.  Connection","index":58,"n_rows":6,"n_cols":12,"rows_kept":6,"cut":false,"hidden":true,"merged":[]}
[]
[null,null,"Higher level outcome","Lower level outcome","Indicator","Original Source","Status","Final framework question","Require testing? (Yes, No, Potentially)","Reasons for testing (if applicable)","Adapt for pre/post?","Notes for users"]
[null,1,"Ease & Accessibility ","Exposure and access to appropriate financial advice, guidance and tools and appropriate financial products and channels","People have the physical ability to access financial advice, guidance and tools which meet their needs in a form and language they can understand, and channel they can use effectively","ELSA SC5 and SEG C6","Adapted","How easy or difficult is it for you to do each of the following things?\nCHOOSE ONE ONLY FOR EACH\n-Get to a Citizens Advice Bureau or other advice agency using your normal forms of transport\n-Get to a Jobcentre Plus or local benefit office using your normal forms of transport\n-Use a telephone in private to discuss financial matters\n-Receive confidential financial information by post\n\n1.Very easy\n2.Quite easy\n3.Quite difficult\n4.Very difficult\n5.Unable to go\n6.Do not wish to go","Potentially","The 3rd and 4th response codes are new","No","Practitioners can optionally insert additional locations relevant to their intervention at the bottom of the list. Locations need to be relevant, clearly stated and as succinct as possible."]
[null,2,"Ease & Accessibility ","Exposure and access to appropriate financial advice, guidance and tools and appropriate financial products and channels","People have the physical ability to access appropriate financial products which meet their needs via appropriate channels","ELSA SC5 and SEG C6","Adapted","How easy or difficult is it for you to do each of the folllowing things?\nCHOOSE ONE ONLY FOR EACH\n- Get to a Post Office using your normal forms of transport\n- Get to a Cash point using your normal forms of transport\n- Get to a Bank, building society or credit union using your normal forms of transport\n- Receive confidential financial documents by post, such as a payment card or chequebook\n\n1.Very easy\n2.Quite easy\n3.Quite difficult\n4.Very difficult\n5.Unable to go\n6.Do not wish to go","Potentially","The 4th response code is new","No","Practitioners can optionally insert additional locations relevant to their intervention at the bottom of the list. Locations need to be relevant, clearly stated and as succinct as possible.\n\nCould also apply to \"Physical ability to access advice\""]
[null,3,"Ease & Accessibility ","Exposure and access to appropriate financial advice, guidance and tools and appropriate financial products and channels","People have the physical ability to access appropriate financial products which meet their needs via appropriate channels ","FRS Showcard N1","Adapted","Which of the following types of everyday accounts do you have, if any, either in your own name or jointly with someone else? These might be held with a bank, building society or other provider such as a credit union or post office. \nCHOOSE ALL THAT APPLY\n1. Current account (usually offered with an overdraft facility, even if you don't want one)\n2. Basic Bank Account (normally without an overdraft facility)\n3. Post Office Card Account (for receiving your pension, benefits or tax credits) \n4. A saving deposit account (e.g. an instant access or notice account, including cash ISA)\n5. None of these","No - shortens the original list of response codes, based on alternative questions",null,"No"]
[null,4,"Ease & Accessibility ","Exposure and access to appropriate financial advice, guidance and tools and appropriate financial products and channels","People have the technical ability to access financial advice, guidance and tools which meet their needs in a form and language they can understand, and channel they can use effectively and to access appropriate financial products which meet their needs via appropriate channels","X","New","In which of the following ways, if any, can or do you use the internet when you need to access information about money or your finances?\nCHOOSE ALL THAT APPLY\n1. At home, using a computer or laptop\n2. At home, using a mobile phone, tablet or internet-enabled TV\n3. At work, college or at a friend or relative's home\n4. In a library, community centre or other public setting\n5. Somewhere else\n6. Do not use the internet","Yes","New question. Are the response codes inclusive and meaningful? Does 'internet' need to be explained? What do people think of in response to \"access information about money or your finances\"","No","Practitioners can optionally insert additional locations relevant to their intervention before 'Somewhere else'. Locations need to be relevant, clearly stated and as succinct as possible."]

{"sheet":"6. Mindset","index":59,"n_rows":30,"n_cols":13,"rows_kept":30,"cut":false,"hidden":true,"merged":[[2,1,2,12],[20,1,20,12]]}
[]
[null,null,"Higher level outcome","Lower level outcome","Indicator","Additional subindicator","Original source","Status","Final framework question","Require testing? (Yes, No, Potentially)","Reasons for testing (if applicable)","Adapt for pre/post?","Notes for users"]
[null,"Financial attitudes and motivations"]
[null,1,"Financial attitudes and motivations","Attitudes to receiving money advice and guidance",null,null,"x","New","How likely is that you would seek advice from an external advice organisation to deal with money worries?\nCHOOSE ONE ONLY\n1.Very likely\n2. Fairly likely\n3. Fairly unlikely\n4. Very unlikely\n5. Don’t know\n","Yes","New question","No"]
[null,{"$f":"+B4+1","v":2}," Financial attitudes and motivations","Attitudes to receiving money advice and guidance",null,null,"x","New","How much do you agree or disagree with each of the following statements?  \n\n - Seeking financial advice seems too daunting \n - I think I would make better financial decisions with the help of advice\n -  I would feel too embarrassed to seek professional advice about money problems \n - When it comes to financial advice I don't know where to start. \n -  I can sort out my own money issues, without seeking advice \n - When it comes to choosing financial products, I find there is not enough information out there that I can trust \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n","Yes","Entirely new question","No","If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"]
[null,{"$f":"+B5+1","v":3}," Financial attitudes and motivations","Attitudes to money","People are motivated to keep track of their finances\n\n",null,"Fincap (O3C)","Original","How important, if at all, do you think it is to keep track of your household’s income and expenditure \n\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n6. Don’t know\n","No",null,"No"]
[null,5," Financial attitudes and motivations","Attitudes to money","Attitudes to managing money","Social influences","Fincap (Q4c/d)","Changed"," A) I feel under pressure to spend money on my children even when I can't afford it 0 (does not sound like me at all) to 10 (sounds a lot like me)\n\nB) I feel under pressure to have a lifestyle which I can't really afford.0 (does not sound like me at all) to 10 (sounds a lot like me)\n\n0 does not sound like me\n...\n10 sounds a lot like me\nDon't know\nNot applicable","Yes","B) is new/adapted","No"]
[null,6," Financial attitudes and motivations","Attitudes to money","Attitudes to managing money",null,"Fincap (O2D)","Original","To what extent do you agree or disagree with the\nstatement \n\n“I am too busy to sort out my finances at the moment\"\n \"Nothing I do will make much difference to my financial situation\"\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n","No",null,"No"]
[null,7," Financial attitudes and motivations","Attitudes to money","People value making their money go further (eg. by shopping around and switching)\n\n",null,"x","New (except * which is from SEG Q3)","Q3\nAnd how much do you agree or disagree with each of the following statements?:\n- I prefer to stick with one company over time rather than keep changing suppliers*\n - There's no point in switching providers, it's not worth the hassle \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n","Yes","Most of these statements are new (except *)","No","If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"]
[null,8," Financial attitudes and motivations","Attitudes to money","People value saving for expected and unexpected events\n\n",null,"OECD (f10)/SEG (c44)/ SEG (d35)/BASE (qpla4)","Original except * which is adapted","How much do you agree or disagree with each of the following statements?  \n\n - I find it more satisfying to spend money than to save it for the long term \n- I always make sure I have some money saved to pay for emergencies or unexpected expenses*\n - If I had to choose, I would rather have a good standard of living today than save for the future.\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n","Yes","* question requires testing as new.","No","If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"]
[null,9," Financial attitudes and motivations","Attitudes to money","People have a cautious attitude to debt and credit \n\n",null,"SEG (c44)/PDL (Q95)/IDL/Fincap (O2F)/BSA 2001 (credspnd)","Original except *","I am now going to read you some things that other people have said about managing money. Please tell me how strongly you agree or disagree with them.\n\n\n - Spending to the maximum on all my credit cards is a way of life for me\n - I hate to borrow – I would much rather save up in advance\n - Sometimes I ignore letters and phone calls in case they are to tell me that I owe money\n  - Being in debt does not worry me\n - I would prefer to have luxuries and treats than be debt free \n- I would rather cut back than run up debts on a credit card\n - It's okay to constantly use an overdraft *\n- I prefer to buy things on credit rather than wait and save up\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n","Yes","* question requires testing as new.","No","If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top\n\nSelect responses that are relevant to the intervention"]
[null,10," Financial attitudes and motivations","Attitudes to money","People talk openly and honestly about money with friends and family\n",null,"IDL/SEG Q3","Original","How much do you agree or disagree with each of the following statements?  \n\n - I would be too embarrassed to discuss my financial situation\n \n- I would talk to family and friends before making an important financial decision\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n","No",null,"No","If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"]
[null,11," Financial attitudes and motivations","Attitudes to money","People talk openly and honestly about money with friends and family\n\n",null,"Fincap (M1)","Original","Do you discuss your household finances openly with any of the following people?\nSELECT ALL THAT APPLY \n1. Friends\n2. My partner/spouse\n3. Parents/Family\n4. My children\n5. My colleagues\n6. Members of my local community\n7. Other, please specify\n8. I prefer not to talk about my finances with any of these people (SINGLE CODE ONLY)\n9. Don’t know (SINGLE CODE ONLY)\n","No",null,"No"]
[null,{"$f":"+B13+1","v":12}," Financial attitudes and motivations","Attitudes to the future","People have concrete short to medium term financial goals and/or longer term aspirations\n",null,"Fincap (D2)","Adapted","A) Which, if any, of these financial goals do you have for the next five years?\nPLEASE SELECT ALL THAT APPLY \n1. Just making ends meet day to day\n2. Paying off my debts/reducing debts\n3. To buy, rent or move house\n4. Saving money for a wedding\n5. Saving money to start a family/have another child\n6. Saving money for education (for me or my children)\n7. Saving money to help grown-up children to buy/rent  a home\n8. Saving money for a holiday\n9. Saving money for retirement\n10. Saving money for home improvements\n11. Saving money to purchase a car/van/motorbike\n12. Saving money generally\n13. Other (please specify)\n14. None of these (SINGLE CODE ONLY)\n\nFOR EACH CODED ABOVE\nB) How much of a plan do you have about how you will achieve your financial goal for <ANSWER FROM ABOVE>. \nPlease answer on a scale of 0 to 10, where 0 means you don’t have a plan of what you need to do and 10 means you have a very specific plan of what you need to do.\n0 I don’t have a plan of what I need to do, I just know I want to do it\n...\n10 I have a very specific plan of what I need to do\nDon’t know","Yes","Sufficiently changed that requires re-testing","No","For B) use a visual 0 to 10 scale with the statements indicated attached the extremes."]
[null,13," Financial attitudes and motivations","Attitudes to the future","People have concrete short to medium term financial goals and/or longer term aspirations\n","People are confident that they will achieve retirement income goals\n","BASE QCstali ","Adapted","Taking all this into account, how confident are you that your household income in retirement will (continue to) give you the standard of living you hope for? \nCHOOSE ONE ONLY\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n5. Don’t know","Yes","Does this work for people in retirement? (previous version was for pre-retirement only)","No"]
[null,14," Financial attitudes and motivations","Attitudes to the future","People anticipate and plan for less positive scenarios (eg. planning for care costs) \n\n","Engagement with the provision of  care needs","NI Life & Times survey 2010 (careplan/Q15)","Adapted","Have you thought about or made any plans about how you might fund any care and support needs as you get older?\nCODES 4,5,6,7 CAN BE MULTI-CODED\n1 I've thought about it but haven t done anything specific \n2 I haven t really thought about it\n3 I don’t think there is anything I can do to plan\nfor this now/I can’t afford to make any such plans\n4 I am saving money which I could use for these kinds of needs(eg insurance, savings, pension, investment, care plan etc)\n5 I am buying/have bought a property and would be willing to use  its value to pay for care needs in the\nfuture\n6 I expect my family to help fund any such care\n7 Other (please specify)\n8 Don't know\n","Yes","Some adaptations against original plus need to check for up-to-dateness.","No"]
[null,15," Financial attitudes and motivations","Attitudes to the future","People anticipate and plan for less positive scenarios (eg. planning for care costs) \n\n","Engagement with the risk of changes to tax/benefits","NI Life & Times survey 2010 (careplan/Q15)","Changed","Have you thought about or made any plans about how you might cope financially with an unexpected fall in household income due to changes to tax or benefits?\nCODES 4,5,6 CAN BE MULTI-CODED\n1 I've thought about it but haven't done anything specific \n2 I haven t really thought about it\n3 I don’t think there is anything I can do to plan\nfor this now/I can’t afford to make any such plans\n4 I am saving money which I could use for these kinds of eventuality (eg savings, investment,  etc)\n5 I would expect my family to help me out financially\n6 Other (please specify)\n7 Don't know\n","Yes","Some adaptations against original plus need to check for up-to-dateness.","No"]
[null,{"$f":"+B17+1","v":16}," Financial attitudes and motivations","Attitudes to the future","People anticipate and plan for less positive scenarios (eg. planning for care costs) \n\n","Engagement with the risk of a drop in income","NI Life & Times survey 2010 (careplan/Q15)","Changed","Have you thought about or made any plans about how you might cope financially with an unexpected fall in household income for example due to redundancy or ill-health?\nCODES 4,5,6 CAN BE MULTI-CODED\n1 I've thought about it but haven't done anything specific \n2 I haven t really thought about it\n3 I don’t think there is anything I can do to plan\nfor this now/I can’t afford to make any such plans\n4 I am saving money which I could use for these kinds of needs(eg savings, investment,  etc)\n5 I have an income-protection insurance policy to cover these tyopes of eventuality\n6 I would expect my family to help me out financially\n7 Other (please specify)\n8 Don't know\n","Yes","Some adaptations against original plus need to check for up-to-dateness.","No"]
[null,17," Financial attitudes and motivations","Attitudes to the future","People anticipate and plan for less positive scenarios (eg. planning for care costs) \n\n","Engagement with the risk of an interest rate rise affecting mortgage payments","NI Life & Times survey 2010 (careplan/Q15)","Changed","Have you thought about or made any plans about how you might cope financially with extra mortgage costs associated with an interest rate rise?\nCODES 4,5,6,7 CAN BE MULTI-CODED\n1 I've thought about it but haven t done anything specific \n2 I haven t really thought about it\n3 I don’t think there is anything I can do to plan\nfor this now/I can’t afford to make any such plans\n4 I am saving money which I could use for these kinds of needs(eg insurance, savings, investment,  etc)\n5 I am considering switching to a different mortgage product \n6 I would expect my family to help me out financially\n7 Other (please specify)\n8 Don't know\n","Yes","Some adaptations against original plus need to check for up-to-dateness.","No","For those with a mortgage only"]
[null,18," Financial attitudes and motivations","Attitudes to financial institutions","People trust financial institutions (such as banks and credit unions) to provide them with appropriate products, services and advice\n\n\n",null,"x","New"," How much do you agree or disagree with each of the following statements?  \n\n - There is no point taking out insurance as they rarely pay out when something goes wrong \n - I  trust pension providers to act in my best interests \n - I trust pension providers to make the most of money that people pay in\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know","Yes","All are new and untested (apart from the first one)","No","If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"]
[]
[null,19,"General attitudes and motivations (applied to money)","Self-confidence","People have confidence in their approach to budgetting \n\n",null,"Fincap (I8)","Original","Thinking overall about your (and your partner/spouse’s) approach to keeping track of income and expenditure, how well do you think this approach works?\n\nPlease answer on a scale of 0 to 10, where 0 means not at all well and 10 means very well\n\n0…10 scale\nDon't know","No",null,"No","Use a visual 0 to 10 scale with the statements indicated attached the extremes."]
[null,20,"General attitudes and motivations (applied to money)","Self-confidence","People feel in control of their financial situation\n",null,"Fincap (O2C)","Original except *","How much do you agree or disagree with each of the following statements?  \n \n- I am very organised when it comes to managing my money day to day\n - I feel in control of my finances*\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n \n","No","For * terms widely used and understood","No","If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"]
[null,21,"General attitudes and motivations (applied to money)","Self-confidence","People have the confidence to question or challenge financial advice they are given \n\n",null,"SEG (B1)","Original","How much do you agree or disagree with the following statement?  \n \n- When dealing with companies or making purchases, I would consider myself to be a confident and savvy customer\n \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n","Yes","Second statement is new and requires testing to check understanding of term \"creditors\". ","No"]
[null,{"$f":"+B24+1","v":22},"General attitudes and motivations (applied to money)","Self-confidence","People have the confidence to question or challenge financial advice they are given\n",null,"x","New","How confident would you feel  talking to people who can give you advice about money\n\n1.Very confident \n2. Fairly confident \n3. Not very confident \n4. Not at all confident\n5. Don't know\n","Yes","New questions","No"]
[null,23,"General attitudes and motivations (applied to money)","Self-confidence","People have the confidence to question or challenge their creditors\n",null,"x","New","A) - If you owed money, how confident would you feel negotiating with creditors or organisations you owe money to\n\n\n1.Very confident \n2. Fairly confident \n3. Not very confident \n4. Not at all confident\n5. Don't know\n","Yes","New questions","No"]
[null,24,"General attitudes and motivations (applied to money)","Self-confidence","People have the confidence to choose appropriate products/services",null,"Fincap (B4)","Original","How confident do you feel making decisions about financial products and services?  \n\nPlease answer on a scale of 0 to 10, where 0 is ‘not at all confident and 10 is ‘very confident\n 0…10 scale\nDon't know\n","No",null,"No","Use a visual 0 to 10 scale with the statements indicated attached the extremes."]
[null,25,"General attitudes and motivations (applied to money)","Self-confidence","People have the confidence to choose an appropriate pension product",null,"AtP (QA19,21,31)","Original","How much do you agree or disagree with each of the following statements?  \n \n - I know enough about pensions to decide with confidence  how to save for my retirement \n - Sometimes pensions seem so complicated that I cannot really understand the best thing to do \n - Dealing with pensions scares me \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know","No",null,"No","If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"]
[null,26,"General attitudes and motivations (applied to money)","Self-control","People are able to abstain from/delay spending in order to live within their means and save for the future\n\n",null,"SEG (c44)/OECD (F10)","Original though first one is adapted","How much do you agree or disagree with each of the following statements?  \n \n- I tend to buy things even when I can’t really afford them\n - I tend to live for today and let tomorrow take care of itself  \n - I find it more satisfying to spend money than to save it for the long term \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know","No - First statement represents minor adpatation only",null,"No","If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"]
[null,27,"General attitudes and motivations (applied to money)","Adaptability",null,null,"Fincap (O4B)","Original"," I am prepared to adjust the amount of money I spend on non-essentials if my life changes: 0 (does not sound like me at all) to 10 (sounds a lot like me)\n\n0…10 scale\nDon't know","No",null,"No","Use a visual 0 to 10 scale with the statements indicated attached the extremes."]

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[null,null,"In this section we use some stem questions which are used throughout the Ability framework.  The main questions are indicated here and referenced in the matrix."]
[null,null,"STEM Question","Wording",null,null,"User notes"]
[null,null,"STEM Question A","[FLEXIBLE QUESTION = CHOOSE/ADD OPTIONS AS APPLICABLE]\nWhich of these statements best describes how knowledgeable you feel about...\n\n - Bank accounts\n - Credit cards\n - Mortgages\n - Savings accounts \n - Credit Unions\n - Investments\n - Pensions\n - Insurance\n - The different types of financial fraud\n - the different types of loans and credit' \n[OTHERS]\n\nI have a good knowledge\nI have a reasonable knowledge\nI have a basic knowledge but do not understand the details\nMy knowledge is very limited \nI know nothing about this\n",null,null,"This question is flexible and items can be added according to relevance to intervention.  Can be set up as a grid if used in a web/self -completion setting with products down the side, responses along the top.  Note that although we have \"don't know\" as standard on most questions, in this case it would be confusing to include this given the nature of the question.  "]
[null,null,"STEM Question B","[FLEXIBLE QUESTION = CHOOSE/ADD OPTIONS AS APPLICABLE]\nWhich of these statements best describes your ability in ...\n - Using a price comparison website\n - Checking the balance on your bank account\n - Creating a weekly or monthly household budget\n - Comparing different insurance products to check you are getting the best deal\n - Comparing different savings products to check you are getting the account which is best for you\n   - Comparing different loans and credit products to check you are getting the best product for you\n - Checking you are getting all benefits you are entitled to\n - Checking how much pension income you will get when you retire\n - Planning a pension that will provide you with the income in retirement that you require \n-  Checking that you are paying the correct amount of tax\n - Protecting yourself from online financial fraud\n - Accessing advice if you need help with my finances\n - Taking out a mortgage\n - Working out how to calculate your monthly mortgage payments in the event of an interest rate rise\n - Working out the total cost of a loan or credit purchase such as Brighthouse  (by \"total cost\" we mean the amount you have to pay in total including interest and charge)\n - Working out which household bills should take priority over others\n[OTHERS]\n1. I  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know\n[Not applicable]",null,null,"This question is flexible and items can be added according to relevance to intervention.  Can be set up as a grid if used in a web/self -completion setting with behaviours down the side, responses along the top.  If relevance of items will vary by client then add a \"not applicable\" to the response list.\n\n"]
[null,null,"Quiz-style questions","Questions that fit into this format have been labelled with a \"QUIZ\" indicator.",null,null,"Quiz-style questions can be a better way of measuring knowledge as they are objective.  Questions which rely on self-reported knowledge are more subjective and can sometimes be a measure of confidence as opposed to knowledge.  If using quiz-style questions it is advisable to open these with a soft introduction eg \"I would like to ask you some questions more in the style of a quiz.  It doesn't matter whether the answer you give is right or wrong.  We just want to find out what people understand so we can make sure we are giving the right advice.\""]
[]
[null,null,"Higher level outcome","Lower level outcome","Indicator","Original source","Final framework question","Can the question be asked via all modes (e.g. self-completion, face to face, phone)?","Require testing? (Yes, No, Potentially)","Reasons for testing (if applicable)","Adapt for pre/post?","Notes for users"]
[null,"Financial knowledge and understanding"]
[null,{"$f":"SUBTOTAL(3, F$6:F7)","v":1},"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions around different financial products e.g. bank accounts, loan types and investments.\n\n","x","See STEM A Which of these statements best describes how knowledgeable you feel about…[LIST OF PRODUCTS]\n\nI have a good knowledge\nI have a reasonable knowledge\nI have a basic knowledge but do not understand the details\nMy knowledge is very limited \nI know nothing about this\n","Yes","Yes","STEM A is a new question ","No","This question can be used in its entirety or to select relevant items. See STEM A notes"]
[null,{"$f":"+B9+1","v":2},"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around interest rates, loan types, investment, inflation etc.\n\n","x","See STEM B Which of these statements best describes your ability in … [LIST OF FINANCIAL BEHAVIOURS]\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know","Yes","Yes","STEM B is a new question ","No","This question can be used in its entirety or to select relevant items. See STEM B notes"]
[null,{"$f":"+B10+1","v":3},"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions about interest rates and savings  \n","Fincap (N3)","QUIZ Suppose you put £100 into a savings account with a guaranteed interest rate of 2% per year. You don’t make any further payments into this account and you don’t withdraw any money.\n\nHow much would be in the account at the end of the first year, once the interest payment is made?\n1: A. £120\n2: B. £140\n3: C. £104\n4: D. £102","Yes  - though best suited to visual presentation, more difficult to administer on the phone","Yes","Question has been adapted and put into a multi-choice format rather than open format as this is likely to be simpler to use in a provider setting","No","Correct answer D."]
[null,4,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions about the interest rates and loans \n\n\n\n","PDL (Q97a)","QUIZ You have taken out a loan for £500, and the interest rate you are charged is 10 percent per month. There are no other fees. At this interest rate, how much money would you owe in total after one month?\n\nA £505\nB £550\nC £510\nD £600\n","Yes  - though best suited to visual presentation, more difficult to administer on the phone","Yes","Question has been adapted and put into a multi-choice format rather than open format as this is likely to be simpler to use in a provider setting","No","Correct answer B."]
[null,5,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions about the interest rates and loans \n\n","x","See STEM B Which of these statements best describes your ability in … \n\n - Working out how to calculate your monthly mortgage payments in the event of an interest rate rise\n - Working out the total cost of a loan or credit purchase such as Brighthouse  (by \"total cost\" we mean the amount you have to pay in total including interest and charges)\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know","Yes","Yes","STEM B is a new question ","No","See STEM B notes"]
[null,6,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around interest rates and inflation \n","Fincap (N2)","QUIZ If the inflation rate is 5% and the interest rate you get on your savings is 3%, will your savings have more, less or the same amount of buying power in a year’s time?\n1. More\n2. The same\n3. Less\n4. Don’t know","Yes","Yes","Need to re-ensure that the concept of \"buying power\" is fully understood. Possible alternative wording: \"After one year, would the money in the account buy more than it does today, exactly the same or less than today?\"","No","Correct answer \"Less\"."]
[null,7,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around inflation\n","OECD (QK7)","QUIZI would like to know whether you think the following statements are true or false.....\n\n - An investment with a high return is likely to be low risk*\n - High inflation means that the cost of living is increasing rapidly  \n - It is usually possible to reduce the risk of investing in the stock market by buying a wide range of stocks and shares \n - It will cost you more to borrow on money on a loan with a low APR than a loan with a high APR* \n\nTrue\nFalse\nDon't know","Yes","Yes","Some new and changed questions here (see  *)","No","Correct answers: False, True, True, False."]
[null,8,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around investment\n\n","OECD (QK7)","QUIZ I would like to know whether you think the following statements are true or false.....\n\n - An investment with a high return is likely to be low risk* \n - High inflation means that the cost of living is increasing rapidly \n - It is usually possible to reduce the risk of investing in the stock market by buying a wide range of stocks and shares. \n - It will cost you more to borrow on money on a loan with a low APR than a loan with a high APR*\n\nTrue\nFalse\nDon't know","Yes","Yes","Some new and changed questions here (see  *)","No","Correct answers: False, True, True, False."]
[null,9,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around loan types\n","OECD (QK7)","QUIZ I would like to know whether you think the following statements are true or false.....\n\n - An investment with a high return is likely to be low risk *\n - High inflation means that the cost of living is increasing rapidly \n - It is usually possible to reduce the risk of investing in the stock market by buying a wide range of stocks and shares. \n - For a six month loan, it will cost you more to borrow money on a loan with a low APR than a loan with a high APR*\n\nTrue\nFalse\nDon't know","Yes","Yes","Some new and changed questions here (see  *)","No","Correct answers: False, True, True, False."]
[null,10,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around loan types\n","x","See STEM A Which of these statements best describes how knowledgeable you feel about…\n\n  - the different types of loans and credit\n\nI have a good knowledge\nI have a reasonable knowledge\nI have a basic knowledge but do not understand the details\nMy knowledge is very limited \nI know nothing about this\n",null,"Yes","STEM A is a new question "]
[null,11,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around loan types\n","x","See STEM B Which of these statements best describes your ability in … \n - Comparing different loans and credit products to check you are getting the best product for you\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know","Yes","Yes","STEM B is a new question ","No","See STEM B notes"]
[null,12,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to check their bank balance","x","See STEM B Which of these statements best describes your ability in … \n  - Checking the balance on your bank account\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know","Yes","Yes","STEM B is a new question ","No","See STEM B notes"]
[null,13,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand different insurance products and can assess which options are right for them\n","x","See STEM B Which of these statements best describes your ability in … \n -  Comparing different insurance products to check you are getting the one that is best for you\n\n I.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know","Yes","Yes","STEM B is a new question ","No","See STEM B notes"]
[null,14,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand different types of savings vehicles, and can assess which options are right for them\n","x","See STEM B Which of these statements best describes your ability in … \n  - Comparing different savings products to check you are getting the account which is best for you\n\n I.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know","Yes","Yes","STEM B is a new question ","No","See STEM B notes"]
[null,15,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand concepts, products and options relevant to their issue, life stage or event eg, pensions\n\n","x","See STEM B\n- Checking how much pension income you will get when you retire\n -Making decisions about a pension that will provide you with the income in retirement that you require \n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know","Yes","Yes","STEM B is a new question ","No","See STEM B notes"]
[null,16,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand concepts, products and options relevant to their issue, life stage or event eg. Mortgages","x","See STEM B Which of these statements best describes your ability in … \n - Applying for a mortgage\n  - [IF RELEVANT] Calculating your monthly mortgage payments in the event of an interest rate rise\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know","Yes","Yes","STEM B is a new question ","No","See STEM B notes"]
[null,17,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand concepts, products and options relevant to their issue, life stage or event eg. problem debt","DAE (Q25)","How well do you understand each of the following:\na) the steps you need to take to sort out  debts or arrears?. \nb) the different options available for sorting out debt problems \nc) the fees that are charged for debt solutions such as bankruptcy, Debt Relief Orders, and Debt Management Plans \nd)  the steps I should take if I am not able to pay creditors \ne) my rights if creditors try to recover  money owed to them \nf) the steps that creditors can take to recover money owed to them \n\n1. A great deal\n2. A fair amount\n3. Only a little\n4. Not at all\n5. Don't know\n\n\n","Yes","Yes","Question has been adapted to suit a different format.","No"]
[null,18,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People know where to go for advice, guidance and tools about their financial situation, in person, by phone and using digital resources","Fincap (F2)","Which, if any, of these providers of advice on your money you have ever heard of, even if you’re not very familiar with them?\n\nSELECT ALL THAT APPLY\n\n1. Money Advice Service\n2.Citizen’s Advice Bureau\n3.Money Sense\n4.Which?\n5.Money Saving Expert (Martin Lewis)\n6.Other price comparison sites (e.g. Moneysupermarket, Comparethemarket)\n7.Directgov (gov.co.uk)\n8.Alvin Hall\n9. Consumer Credit Counselling Service (CCCS)/StepChange\n10. National Debtline\n[ADD OTHER RELEVANT ORGANISATIONS/SITES]\n11. None of these\n","Yes\n","Potentially","Might be worth checking that list is comprehensive (though may differ depending on local area)","No","NB - This question only captures awareness of providers and by prompting users there is a risk that reported awareness will not be a reliable indicator of where they would look for information unprompted. Users should consider an open-ended question to capture unprompted awareness \n\nFlexible question: can adapt list as relevant."]
[null,19,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People know where to go for advice, guidance and tools about their financial situation, in person, by phone and using digital resources","x","See STEM B Which of these statements best describes your ability in … \n - Accessing advice if you need help with your finances\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know","Yes","Yes","STEM B is a new question ","No","See STEM B notes"]
[null,20,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand the main types of financial fraud and how to protect themselves from it","x","See STEM A Which of these statements best describes how knowledgeable you feel about...\n - The different types of financial fraud\n\nI have a good knowledge\nI have a reasonable knowledge\nI have a basic knowledge but do not understand the details\nMy knowledge is very limited \nI know nothing about this\n\nSee STEM B Which of these statements best describes your ability in … \n - Protecting yourself from online financial fraud\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know\n\n\n","Yes","Yes","STEM A/ STEM B are new question ","No","See STEM A/STEM B notes"]
[null,21,"Financial knowledge and understanding","Understanding own financial situation","People understand the steps they should take to deal with problem debts and their rights","DAE (Q25)"," How well do you understand each of the following:\na) the steps you need to take to sort out  debts or arrears?. \nb) the different options available for sorting out debt problems \nc) the fees that are charged for debt solutions such as bankruptcy, Debt Relief Orders, and Debt Management Plans \nd)  the steps I should take if I am not able to pay my creditors \ne) my rights when creditors try to recover the money owed to them \nf) the steps that creditors can take to recover money owed to them \n\nA great deal\nA fair amount\nOnly a little\nNot at all","Yes","Yes","Question has been adapted to suit a different format.","No"]
[null,22,"Financial knowledge and understanding","Understanding money management","People understand the principles of budgeting and can develop a budget suited to their needs","x","See STEM B Which of these statements best describes your ability in … \n -   creating a weekly or monthly household budget\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know","Yes","Yes","STEM B is a new question ","No","See STEM B notes"]
[null,23,"Financial knowledge and understanding","Understanding money management","People know how to make their money go further","x","See STEM B Which of these statements best describes your ability in … \n - using a price comparison website \n -  comparing different insurance products accounts to check you are getting the best deal\n -  comparing different savings products to check you are getting the account which is best for you\n -  checking you are getting all benefits you are entitled to;\n -  checking that you are paying the correct amount of tax\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know\n","Yes","Yes","STEM B is a new question ","No","See STEM B notes"]
[null,"Basic skills"]
[null,{"$f":"+B31+1","v":24},"Basic skills","Applied numeracy","People can successfully apply mathematical skills to financial problems","CDS (Q28)","QUIZ The same TV is on sale in both shop A and B. In Shop A it is priced at £400.  In Shop B it is on sale for £500 with 10% discount.  Which one is cheaper? \n\n1:  The one sold in shop A \n2: The one sold in shop B \n3: They are both the same price \n4. Don't know","Yes ","Yes","Has been adapted to suit a unimodal context and therefore would be helpful to check it still works ok.","No","Correct answer: Shop A"]
[null,{"$f":"+B33+1","v":25},"Basic skills","Applied numeracy","People can successfully apply mathematical skills to financial problems","SKILL (Bqmath)","And how good are you at each of the following:\n\na) working with numbers when you need to in everyday life? For example working out your wages or benefits, or checking bills and statements?\n b)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nc) reading in English when you need to? For example\nreading newspapers and magazines or reading letters, paperwork or forms?\n\n1. Very good \n2. Fairly good \n3. Below average \n4. Poor \n5. No opinion. \n6, Don't Know  ","Yes","No",null,"No"]
[null,{"$f":"+B34+1","v":26},"Basic skills","Literacy","People have the level of literacy needed to fill in forms and write formal letters in English (or Welsh in Wales)","SKILL (bqwrite)","And how good are you at each of the following:\n\na) working with numbers when you need to in everyday life? For example working out your wages or benefits, or checking bills and statements?\n b)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nc) reading in English when you need to? For example\nreading newspapers and magazines or reading letters, paperwork or forms?\n\n1. Very good \n2. Fairly good \n3. Below average \n4. Poor \n5. No opinion. \n6, Don't Know  ","If someone has literacy problems, then this question may be problematic in a self-completion setting","No",null,"No"]
[null,27,"Basic skills","Literacy","People have the level of literacy needed to read and understand information about financial products and services in English (or Welsh in Wales)","SKILL (bqread)","And how good are you at each of the following:\n\na) working with numbers when you need to in everyday life? For example working out your wages or benefits, or checking bills and statements?\n b)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nc) reading in English when you need to? For example reading newspapers and magazines or reading letters, paperwork or forms?\n\n1. Very good \n2. Fairly good \n3. Below average \n4. Poor \n5. No opinion. \n6, Don't Know  ","If someone has literacy problems, then this question may be problematic in a self-completion setting","No - Changes to question structure only rather than wording",null,"No"]
[null,28,"Basic skills","Digital literacy","People are able to use financial/money-related online services eg. forms, tools, emails, and online banking\n","DSK (2.3)","A) Do you access to the internet at home or elsewhere?\nYes\nNo\nDon't know\n\nIF DO HAVE ACCESS\nB) I’d like you to think about different commercial transactions people do in their everyday lives like banking or shopping. How easy do you find it to use the internet for the following purposes? \na) Buying a product online\nb) Making travel reservations/bookings\nc) Paying bills\nd) Using your bank’s online services\ne) Comparing products and services\nf) Ordering groceries or food online\ng) Selling things online\nh) Finding the location of a house,  office, store or restaurant \n\n1. Several times a day\n2. Daily\n3. Weekly\n4. Monthly\n5. Less than monthly\n6. Never\n7. Don't know\n","Yes","No",null,"No"]
[null,29,"Basic skills","Digital literacy","People are able to navigate online content and locate the information they need\n\n","DSK (1.1.3a)","How would you rate your ability to use the\nInternet?\n1. Excellent\n2. Good\n3. Fair\n4. Poor\n5. Bad\n6. Don’t know","Yes","No",null,"No"]
[null,30,"Basic skills","Digital literacy","People are able to navigate online content and locate the information they need\n\n","SEG (P5)","To what extent do you agree or disagree with the following statements?\n\n- When I need information the first place I look is the internet\n - I find it easy to find what I am looking for online\n - I would rather look at information in a paper leaflet than on a company’s website\n\nStrongly Agree\nTend to Agree\nTend to disagree\nStrongly  disagree\nDon’t know\nDoes not apply to me\n ","Yes","No",null,"No"]
[null,31,"Basic skills","Communication","People are able to confidently interact with others in English (or Welsh in Wales)\n\n","x","Can I check, is English your first language?  Yes/No\n\n[IF NO]  So can I check would you have any difficulty speaking in English to a member of staff in a bank about choosing a financial product?\n1. Yes\n2. No\n\n\n","Yes","Potentially","Though might be difficult finding people who lack English skills to icnlude within a cog test","No","Can also extend this to include reading and writing in English if not using the basic skills questions above."]
[null,32,"Basic skills","Communication","People are able to confidently interact with others in English (or Welsh in Wales)\n\n","x","Can I check, is English or Welsh your first language?  \nYes - English\nYes - Welsh\nNo, neither\n\n[IF NEITHER]  So can I check would you have any difficulty speaking in English or Welsh to a member of staff in a bank about choosing a financial product?\n1. Yes\n2. No\n","Yes","No - Standard phrasing",null,"No","Welsh language version of the above"]