Routing for UAS152

introduction1
This survey focuses on you and on your household's financial situation. For all questions, please answer to the best of your ability, and if you are not sure about the answer to a question, just your best guess will do.
fi001 (how rate credit score)
How would you rate your credit score? Your credit score is a number that tells lenders how risky or safe you are as a borrower.
1 Excellent
2 Very Good
3 Good
4 Fair
5 Poor
6 I don't know
fi003_intro
The next questions ask you to read a statement and tell us how well that statement describes you or your situation.
fi003 (because of my money situation, I feel like I will never have the things I want in life)
How well does this statement describe you or your situation?

"Because of my money situation, I feel like I will never have the things I want in life".
1 Completely
2 Very well
3 Somewhat
4 Very little
5 Not at all
fi004 (I am just getting by financially)
How well does this statement describe you or your situation?

"I am just getting by financially."
1 Completely
2 Very well
3 Somewhat
4 Very little
5 Not at all
fi005 (I am concerned that the money I have or will save won't last)
How well does this statement describe you or your situation?

"I am concerned that the money I have or will save won't last."
1 Completely
2 Very well
3 Somewhat
4 Very little
5 Not at all
fi006 (I have money left over at the end of the month)
How often does this statement apply to you?

"I have money left over at the end of the month."
1 Always
2 Often
3 Sometimes
4 Rarely
5 Never
fi007 (My finances control my life)
How often does this statement apply to you?

"My finances control my life."
1 Always
2 Often
3 Sometimes
4 Rarely
5 Never
he_intro
Many of the questions in the remainder of this survey will ask about your "household's" financial situation. "Household" includes you and others living with you who contribute financially to your home. As you answer these questions, please think about all of your household members’ finances, taken as a whole. If you live alone, or do not consider anyone else to be a member of your household, please answer these questions as an individual.
fi002 (household plans ahead financially)
To what extent do you agree or disagree with the following statement:

"My household plans ahead financially."
1 Agree strongly
2 Agree somewhat
3 Neither agree nor disagree
4 Disagree somewhat
5 Disagree strongly
introduction4
The next questions ask about your total household spending over the last 12 months. For each of these questions, please think about your personal spending, as well as how much other members of your household may have spent.
he001 (spending over last 12 months)
Which of the following statements best describes how your household’s total spending compared to total income, over the last 12 months?
1 Spending was much less than income
2 Spending was a little less than income
3 Spending was about equal to income
4 Spending was a little more than income
5 Spending was much more than income
he002 (household has financially been able to)
Which of the following statements best describes how your household has paid its bills over the last 12 months?

My household has been financially able to:
1 Pay all our bills on time
2 Pay nearly all our bills on time
3 Pay most of our bills on time
4 Pay some of our bills on time
5 Pay very few of our bills on time
he003 (how long could afford to cover expenses)
At your current level of spending, how long could you and your household afford to cover expenses, if you had to live only off the money you have readily available, without withdrawing money from retirement accounts or borrowing?
1 6 months or more
2 3-5 months
3 1-2 months
4 1-2 weeks
5 Less than 1 week
he004 (how confident household is doing well to meet longer term goals)
Thinking about your household’s longer term financial goals such as saving for a vacation, starting a business, buying or paying off a home, saving up for education, putting money away for retirement, or making retirement funds last.

How confident are you that your household is currently doing what is needed to meet your longer term goals?
1 Very confident
2 Moderately confident
3 Somewhat confident
4 Slightly confident
5 Not at all confident
he005 (how manageable is household debt)
Thinking about all of your household’s current debts, including mortgages, bank loans, student loans, money owed to people, medical debt, past-due bills, and credit card balances that are carried over from prior months.

As of today, which of the following statements describes how manageable your household debt is?
1 Have a manageable amount of debt
2 Have a bit more debt than is manageable
3 Have far more debt than is manageable
4 Do not have any debt
he006 (insurance policies enough in case of emergency)
Thinking about all of the types of insurance you and others in your household currently might have, including health insurance, vehicle insurance, home or rental insurance, life insurance, and disability insurance.

How confident are you that those insurance policies will provide enough support in case of an emergency?
1 Very confident
2 Moderately confident
3 Somewhat confident
4 Slightly confident
5 Not at all confident
6 No one in my household has any insurance
ev_intro
The next questions ask about events that you or other members of your household may have experienced over the past six months.
Group of questions presented on the same screen
ev001_intro
In the past 6 months, have you or anyone in your household experienced any of the following life events?

Subgroup of questions
ev001 (Divorce or separation)
Divorce or separation
1 (YES) Yes
2 (NO) No
ev002 (Marriage)
Marriage
1 (YES) Yes
2 (NO) No
ev003 (Death of a family member )
Death of a family member
1 (YES) Yes
2 (NO) No
ev004 (Had a baby or became the primary caregiver of a child)
Had a baby or became the primary caregiver of a child
1 (YES) Yes
2 (NO) No
ev005 (Moved to a new area and/or living arrangement)
Moved to a new area and/or living arrangement
1 (YES) Yes
2 (NO) No
ev006 (Began college or graduate school)
Began college or graduate school
1 (YES) Yes
2 (NO) No
ev007 (Graduated college or graduate school)
Graduated college or graduate school
1 (YES) Yes
2 (NO) No
ev008 (Started a new job or employment opportunity)
Started a new job or employment opportunity
1 (YES) Yes
2 (NO) No
ev009 (Received a significant promotion and/or raise at an existing job)
Received a significant promotion and/or raise at an existing job
1 (YES) Yes
2 (NO) No
ev010 (Lost a job, had hours cut, or worked less than expected)
Lost a job, had hours cut, or worked less than expected
1 (YES) Yes
2 (NO) No
ev011 (Lost another source of income (e.g.from benefits, pension, etc.))
Lost another source of income (e.g.from benefits, pension, etc.)
1 (YES) Yes
2 (NO) No
ev012 (Bought a home)
Bought a home
1 (YES) Yes
2 (NO) No
ev013 (Started a business)
Started a business
1 (YES) Yes
2 (NO) No
ev014 (Had a major non-medical expense (e.g. significant car or home repair))
Had a major non-medical expense (e.g. significant car or home repair)
1 (YES) Yes
2 (NO) No
ev015 (Had a medical emergency )
Had a medical emergency
1 (YES) Yes
2 (NO) No
ev016 (Experienced incarceration )
Experienced incarceration
1 (YES) Yes
2 (NO) No
ev017 (Have you or members of your household experienced any other life events? )
Any other life events? If yes, please specify:
1 (YES) Yes
2 (NO) No
ev017_other (other life events )
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End of subgroup of questions
ev016_error
End of group of questions
Fill code of question 'FL_ev016' executed
if sizeof(FL_ev016) > 0 then
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if FL_ev016[cnt] = response then
ev018 (impact)
You indicated that you or a member of your household experienced this event in the last 6 months:

[Divorce or separation/Marriage/Death of a family member /Had a baby or became the primary caregiver of a child/Moved to a new area and/or living arrangement/Began college or graduate school/Graduated college or graduate school/Started a new job or employment opportunity/Received a significant promotion and/or raise at an existing job/Lost a job, had hours cut, or worked less than expected/Lost another source of income (e.g.from benefits, pension, etc.)/Bought a home/Started a business/Had a major non-medical expense (e.g. significant car or home repair)/Had a medical emergency /Experienced incarceration/^ev017_other]

To what extent did this event impact on your household's finances?
1 Very positive impact
2 Somewhat positive impact
3 No impact
4 Somewhat negative impact
5 Very negative impact
End of if
End of loop
End of if
us_intro
The next questions will ask about your experiences with financial services and tools. By that we mean accounts and products offered by your bank or other financial institutions that are intended to help you manage your financial life.

In each of the following questions, we will describe a specific service or tool. Please indicate whether you have used something like this in the last 12 months and the extent to which you would be interested in using this service or tool in the future.
us001 (used online tool)
The first financial product is...

A secure online tool or mobile app that helps you stay on track within a budget. You set up spending goals in any category (e.g. dining out, food, clothing, etc.) and specify which accounts to track (e.g. checking account, credit card). The tool tracks your spending and you can choose to receive email or text alerts to notify you if your spending exceeds your set goals.

Have you used a tool like this in the last 6 months?
1 Yes
2 No
3 Don't know
if us001 = 1 then
Group of questions presented on the same screen
us001_c (who provides secure online tool)
Who provides this tool?
1 Your bank or credit union
2 Your retirement provider
3 An independent company
4 Other company, please specify:
us001_c_other (other who provides secure online tool)
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End of group of questions
us001_a (satisfaction secure online tool)
How would you rate your satisfaction with this tool?
1 Extremely satisfied
2 Very satisfied
3 Somewhat satisfied
4 Not very satisfied
5 Not at all satisfied
Else
us001_b (level interest secure online tool)
Please indicate your level of interest in using this tool in the future.
1 Very interested
2 Somewhat interested
3 Not very interested
4 Not at all interested
End of if
us002 (used mobile app)
The next financial product is...

A mobile app that analyzes your bank account activity to estimate how much money you can comfortably save each week or month. The app checks your deposits and spending, notifies you of an upcoming transfer, and automatically transfers this money to your savings account. These automatic transfers can be stopped or rescheduled at any time.

Have you used a mobile app like this in the last 6 months?
1 Yes
2 No
3 Don't know
if us002 = 1 then
us002_a (satisfaction mobile app)
How would you rate your satisfaction with this app?
1 Extremely satisfied
2 Very satisfied
3 Somewhat satisfied
4 Not very satisfied
5 Not at all satisfied
Else
us002_b (level interest mobile app)
Please indicate your level of interest in using an app like this in the future.
1 Very interested
2 Somewhat interested
3 Not very interested
4 Not at all interested
End of if
us003 (used personal financial advice)
The last financial product is...

Low-fee or free personal financial advice provided by professional financial advisors or coaches. Services include help setting and meeting financial goals, budgeting and managing your money, or meeting other financial challenges, such as paying down debt.

Have you used a service like this in the last 6 months?
1 Yes
2 No
3 Don't know
if us003 = 1 then
Group of questions presented on the same screen
us003_c (who provides personal financial advice)
Who provides this service?
1 Your bank or credit union
2 Your retirement provider
3 Your employer
4 An independent company
5 Other company, please specify:
us003_c_other (other who provides personal financial advice)
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End of group of questions
us003_a (satisfaction personal financial advice)
How would you rate your satisfaction with this service?
1 Extremely satisfied
2 Very satisfied
3 Somewhat satisfied
4 Not very satisfied
5 Not at all satisfied
Else
us003_b (level interest personal financial advice)
Please indicate your level of interest in using this service in the future.
1 Very interested
2 Somewhat interested
3 Not very interested
4 Not at all interested
End of if
CS_001 (HOW PLEASANT INTERVIEW)
Could you tell us how interesting or uninteresting you found the questions in this interview?
1 Very interesting
2 Interesting
3 Neither interesting nor uninteresting
4 Uninteresting
5 Very uninteresting
CS_003 (comments)
Do you have any other comments on the interview? Please type these in the box below.(If you have no comments, please click next to complete this survey.)
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