Response ID
CONSENT FORM - I have read and understood the information sheet (08/08/22/Version no.1) and have had the opportunity to ask questi
CONSENT FORM - I agree to take part in this research project and agree for my data to be used for the purpose of this study.
CONSENT FORM - I understand my participation is voluntary and I may withdraw within 2 weeks after completing the survey at each timepoint for any reason without my participation rights being affected.
CONSENT FORM - I understand that should I withdraw from the study then the information collected about me up to this point may still be used for the purposes of achieving the objectives of the study only.
CONSENT FORM - I understand that if I withdraw from the study that it may not be possible to remove the data once my personal information is no longer linked to the data.
CONSENT FORM - I understand that special category information will be collected about me to achieve the objectives of the study, this includes: information on ethnicity; sexual orientation; gender identity; religious beliefs.
CONSENT FORM - I understand that I will not be directly identified in any reports of the research.
CONSENT FORM - Please tick (check) this box to indicate that you consent to taking part in this survey
What is your gender? - Selected Choice
What is your gender? - Other (please describe) - Text
What is your age?
What best describes your ethnic group or background? - Selected Choice
Any other White background, please describe
Any other Mixed / Multiple ethnic background, please describe
Any other Asian background, please describe
Any other Black / African / Caribbean background, please describe
Any other ethnic group, please describe
List of Countries
What is your current marital status?
What is the highest level of education you have completed?
How would you describe your housing situation? - Selected Choice
How would you describe your housing situation? - Other, please describe - Text
What is your employment status? - Selected Choice
What is your employment status? - Other, please describe - Text
If you are working, how would you describe your occupation? - Selected Choice
If you are working, how would you describe your occupation? - Other, please describe - Text
What currency would you like to use to answer a few questions about finances? - Selected Choice
What currency would you like to use to answer a few questions about finances? - Other currency, please describe - Text
What is your monthly income (after tax deductions) from employment? (Please do not include any income from financial support, such as benefits, welfare or Universal Credit, etc.)
Are you in receipt of benefits/welfare/financial support from the government?
What benefits/welfare/financial support do you receive? (Please select all that apply) Working Tax Credits
What benefits/welfare/financial support do you receive? (Please select all that apply) Universal Credit
What benefits/welfare/financial support do you receive? (Please select all that apply) Disability Living Allowance (DLA)
What benefits/welfare/financial support do you receive? (Please select all that apply) Carer’s Allowance
What benefits/welfare/financial support do you receive? (Please select all that apply) Employment and Support Allowance (ESA)
What benefits/welfare/financial support do you receive? (Please select all that apply) Income Support
What benefits/welfare/financial support do you receive? (Please select all that apply) Jobseeker's Allowance (JSA)
What benefits/welfare/financial support do you receive? (Please select all that apply) Personal Independence Payment (PIP)
What benefits/welfare/financial support do you receive? (Please select all that apply) Attendance Allowance
What benefits/welfare/financial support do you receive? (Please select all that apply) Child Tax Credit
What benefits/welfare/financial support do you receive? (Please select all that apply) Pension Credit
What benefits/welfare/financial support do you receive? (Please select all that apply) Other
What benefits/welfare/financial support do you receive? (Please select all that apply) Unsure
What is your monthly income from these benefits/welfare/financial support?
Do you currently have any of the following? (Please select all that apply) Loan from bank and/or building society (excluding mortgage)
Do you currently have any of the following? (Please select all that apply) Loan from company that collects payments from home (e.g. Provident)
Do you currently have any of the following? (Please select all that apply) Loan from a finance company (e.g. Ocean Finance)
Do you currently have any of the following? (Please select all that apply) Goods bought in instalments from mail order catalogue
Do you currently have any of the following? (Please select all that apply) Goods bought on ‘hire purchase’ (HP) or on credit
Do you currently have any of the following? (Please select all that apply) Goods bought on a 'buy now, pay later' service (e.g. Klarna)
Do you currently have any of the following? (Please select all that apply) Social Fund or Crisis Loan
Do you currently have any of the following? (Please select all that apply) Loan from a payday lender (e.g. Wonga, Lending Stream)
Do you currently have any of the following? (Please select all that apply) Loan from a credit union
Do you currently have any of the following? (Please select all that apply) Loan from friends and family
Do you currently have any of the following? (Please select all that apply) Loan from an individual (not friends or family)
Do you currently have any of the following? (Please select all that apply) Other type of loan
Do you currently have any of the following? (Please select all that apply) Unsure
Thinking about loans only (excluding student loans and mortgages), approximately how much in total do you currently owe in loans?
Which, if any, of the following do you currently have? (Please select all that apply) Credit card (eg, Mastercard or Visa)
Which, if any, of the following do you currently have? (Please select all that apply) Store card (eg, JD Sports card or Debenhams card)
Which, if any, of the following do you currently have? (Please select all that apply) Unsure
Thinking about these credit cards and store cards only, approximately how much in total do you currently owe on these cards? (Please tick one only)
Are you currently overdrawn on your bank/building society account? - Selected Choice
Are you currently overdrawn on your bank/building society account? - Yes, please write in the overdrawn amount (this can be approximate): - Text
Do you have a student loan?
Please write in amount of current student loan (this can be approximate):
Do you have a currently have a mortgage?
Have you been in arrears or unable to make a mortgage payment?
In the last 3 months, how often have you been unable to pay bills or financial commitments due to a lack of money? (Please select one only)
In the last 3 months, have you been two or more consecutive payments behind with any of the following bills? (Please tick all that apply) Rent or mortgage payments
In the last 3 months, have you been two or more consecutive payments behind with any of the following bills? (Please tick all that apply) Council Tax
In the last 3 months, have you been two or more consecutive payments behind with any of the following bills? (Please tick all that apply) Gas or electricity bill
In the last 3 months, have you been two or more consecutive payments behind with any of the following bills? (Please tick all that apply) Water bill
In the last 3 months, have you been two or more consecutive payments behind with any of the following bills? (Please tick all that apply) Telephone/mobile phone bill
In the last 3 months, have you been two or more consecutive payments behind with any of the following bills? (Please tick all that apply) Credit card or store card bill
In the last 3 months, have you been two or more consecutive payments behind with any of the following bills? (Please tick all that apply) Loan repayments
In the last 3 months, have you been two or more consecutive payments behind with any of the following bills? (Please tick all that apply) Repayments on goods bought on hire purchase or mail order
In the last 3 months, have you been two or more consecutive payments behind with any of the following bills? (Please tick all that apply) TV licence
In the last 3 months, have you been two or more consecutive payments behind with any of the following bills? (Please tick all that apply) Income Tax or VAT payments
In the last 3 months, have you been two or more consecutive payments behind with any of the following bills? (Please tick all that apply) Other
In the last 3 months, have you been two or more consecutive payments behind with any of the following bills? (Please tick all that apply) None of these
In the last 3 months, have you been two or more consecutive payments behind with any of the following bills? (Please tick all that apply) Unsure
In the last 3 months, have any of the following things happened to you because you were behind with your bills? (Please select all that apply) - Selected Choice Threatened with legal or court action
In the last 3 months, have any of the following things happened to you because you were behind with your bills? (Please select all that apply) - Selected Choice Received a County Court Judgement
In the last 3 months, have any of the following things happened to you because you were behind with your bills? (Please select all that apply) - Selected Choice Had a charging order taken out against your home
In the last 3 months, have any of the following things happened to you because you were behind with your bills? (Please select all that apply) - Selected Choice Contacted by bailiffs or debt collectors
In the last 3 months, have any of the following things happened to you because you were behind with your bills? (Please select all that apply) - Selected Choice Lost your home through repossession or eviction
In the last 3 months, have any of the following things happened to you because you were behind with your bills? (Please select all that apply) - Selected Choice Been declared bankrupt
In the last 3 months, have any of the following things happened to you because you were behind with your bills? (Please select all that apply) - Selected Choice Other, please describe
In the last 3 months, have any of the following things happened to you because you were behind with your bills? (Please select all that apply) - Selected Choice None of these
In the last 3 months, have any of the following things happened to you because you were behind with your bills? (Please select all that apply) - Selected Choice Unsure
In the last 3 months, have any of the following things happened to you because you were behind with your bills? (Please select all that apply) - Other, please describe - Text
In the last 3 months how often have you had to go without meals because you couldn’t afford to buy food? (Please select one only)
In the last 3 months how often have you used a food bank or community pantry? (Please select one only)
In the last 3 months, have you ever used less of the below goods or services than you needed, because you couldn’t afford it? (Please select all that apply) Water
In the last 3 months, have you ever used less of the below goods or services than you needed, because you couldn’t afford it? (Please select all that apply) Gas
In the last 3 months, have you ever used less of the below goods or services than you needed, because you couldn’t afford it? (Please select all that apply) Electricity
In the last 3 months, have you ever used less of the below goods or services than you needed, because you couldn’t afford it? (Please select all that apply) Telephone or mobile phone
In the last 3 months, have you ever used less of the below goods or services than you needed, because you couldn’t afford it? (Please select all that apply) Internet data
In the last 3 months, have you ever used less of the below goods or services than you needed, because you couldn’t afford it? (Please select all that apply) Wi-Fi
In the last 3 months, have you ever used less of the below goods or services than you needed, because you couldn’t afford it? (Please select all that apply) None of these
In the last 3 months, have you ever used less of the below goods or services than you needed, because you couldn’t afford it? (Please select all that apply) Unsure
In the last 3 months, how often have you ran out of money before the end of your budget time period (e.g. week or month, etc.)? (Please select only one)
In the last 3 months, have you gone without any of the following items because of a shortage of money? (Please select all that apply) - Selected Choice Clothes
In the last 3 months, have you gone without any of the following items because of a shortage of money? (Please select all that apply) - Selected Choice Shoes
In the last 3 months, have you gone without any of the following items because of a shortage of money? (Please select all that apply) - Selected Choice Food or skipped meals
In the last 3 months, have you gone without any of the following items because of a shortage of money? (Please select all that apply) - Selected Choice Heating
In the last 3 months, have you gone without any of the following items because of a shortage of money? (Please select all that apply) - Selected Choice Lighting
In the last 3 months, have you gone without any of the following items because of a shortage of money? (Please select all that apply) - Selected Choice Baths or showers
In the last 3 months, have you gone without any of the following items because of a shortage of money? (Please select all that apply) - Selected Choice Travel (including fuel for driving and/or using public transport)
In the last 3 months, have you gone without any of the following items because of a shortage of money? (Please select all that apply) - Selected Choice Phoning friends or family
In the last 3 months, have you gone without any of the following items because of a shortage of money? (Please select all that apply) - Selected Choice Going out or socialising
In the last 3 months, have you gone without any of the following items because of a shortage of money? (Please select all that apply) - Selected Choice A hobby or sport
In the last 3 months, have you gone without any of the following items because of a shortage of money? (Please select all that apply) - Selected Choice A holiday
In the last 3 months, have you gone without any of the following items because of a shortage of money? (Please select all that apply) - Selected Choice Other, please state
In the last 3 months, have you gone without any of the following items because of a shortage of money? (Please select all that apply) - Selected Choice Never go without
In the last 3 months, have you gone without any of the following items because of a shortage of money? (Please select all that apply) - Selected Choice Money is not in shortage
In the last 3 months, have you gone without any of the following items because of a shortage of money? (Please select all that apply) - Selected Choice Unsure
In the last 3 months, have you gone without any of the following items because of a shortage of money? (Please select all that apply) - Other, please state - Text
Do you feel that you are in a better, worse or similar financial situation as you were before the start of the COVID-19 pandemic (early 2020)?
Do you feel that you are more, less or similarly worried about your financial situation as you were before the COVID-19 pandemic (early 2020)?
If you reside in the UK, how worried are you about the increases in National Insurance tax that happened in April 2022?
How worried are you about the ‘cost of living crisis’ and the cost of basic goods (including groceries and fuel) increasing?
How worried are you about the ‘cost of living crisis’ and the cost of utilities (including gas and electricity) increasing?
During the last 6 months, how often did your family: - 1. Cut back on social activities and entertainment expenses?
During the last 6 months, how often did your family: - 2. Postpone major household purchases?
During the last 6 months, how often did your family: - 3. Postpone clothing purchases?
During the last 6 months, how often did your family: - 4. Change transportation patterns to save money?
During the last 6 months, how often did your family: - 5. Change food shopping or eating habits to save money?
During the last 6 months, how often did your family: - 6. Cut back on charitable contributions?
During the last 6 months, how often did your family: - 7. Reduce household utility use?
During the last 6 months, how often did your family: - 8. Sell some possessions?
During the last 6 months, how often did your family: - 9. Postpone medical care to save money?
During the last 6 months, how often did your family: - 10. Take additional employment to help meet expenses?
Which of the following best described what has happened to your family income during the past 6 months?
Which of the following best describes your family financially at this time?
Directions: Circle or check the responses that are most appropriate for your situation. - What do you feel is the level of your financial stress today?
Using the stair steps below, indicate how satisfied you are with your present financial situation. The “1” at the bottom of the steps represents complete dissatisfaction. The “10” at the top of the stair steps represents complete satisfaction. The more dissatisfied you are, the lower the number you should select. The more satisfied you are, the higher the number you should select. - How satisfied you are with your present financial situation.
How do you feel about your current financial situation?
How often do you worry about being able to meet normal monthly living expenses?
How confident are you that you could find the money to pay for a financial emergency that costs about $1,000?
How often does this happen to you? You want to go out to eat, go to a movie or do something else and don’t go because you can’t afford to?
How frequently do you find yourself just getting by financially and living paycheck to paycheck?
How stressed do you feel about your personal finances in general?
Over the last 2 weeks, how often have you been bothered by the following problems? - 1. Feeling nervous, anxious or on edge
Over the last 2 weeks, how often have you been bothered by the following problems? - 2. Not being able to stop or control worrying
Over the last 2 weeks, how often have you been bothered by the following problems? - 3. Worrying too much about different things
Over the last 2 weeks, how often have you been bothered by the following problems? - 4. Trouble relaxing
Over the last 2 weeks, how often have you been bothered by the following problems? - 5. Being so restless that it is hard to sit still
Over the last 2 weeks, how often have you been bothered by the following problems? - 6. Becoming easily annoyed or irritable
Over the last 2 weeks, how often have you been bothered by the following problems? - 7. Feeling afraid as if something awful might happen
If you checked off any problems, how difficult have these problems made it for you to do your work, take care of things at home, or get along with other people?
Over the last 2 weeks, how often have you been bothered by any of the following problems? - 1. Little interest or pleasure in doing things
Over the last 2 weeks, how often have you been bothered by any of the following problems? - 2. Feeling down, depressed, or hopeless
Over the last 2 weeks, how often have you been bothered by any of the following problems? - 3. Trouble falling or staying asleep, or sleeping too much
Over the last 2 weeks, how often have you been bothered by any of the following problems? - 4. Feeling tired or having little energy
Over the last 2 weeks, how often have you been bothered by any of the following problems? - 5. Poor appetite or overeating
Over the last 2 weeks, how often have you been bothered by any of the following problems? - 6. Feeling bad about yourself—or that you are a failure or have let yourself or your family down
Over the last 2 weeks, how often have you been bothered by any of the following problems? - 7. Trouble concentrating on things, such as reading the newspaper or watching television
Over the last 2 weeks, how often have you been bothered by any of the following problems? - 8. Moving or speaking so slowly that other people could have noticed? Or the opposite—being so fidgety or restless that you have been moving around a lot more than usual
Over the last 2 weeks, how often have you been bothered by any of the following problems? - 9. Thoughts that you would be better off dead or of hurting yourself in some way
Over the last week … - 1. I have felt tense, anxious or nervous
Over the last week … - 2. I have felt I have someone to turn to for support when needed
Over the last week … - 3. I have felt OK about myself
Over the last week … - 4. I have felt able to cope when things go wrong
Over the last week … - 5. I have been troubled by aches, pains or other physical problems
Over the last week … - 6. I have been happy with the things I have done
Over the last week … - 7. I have had difficulty getting to sleep or staying asleep
Over the last week … - 8. I have felt warmth or affection for someone
Over the last week … - 9. I have been able to do most things I needed to
Over the last week … - 10. I have felt criticised by other people
Over the last week … - 11. I have felt unhappy
Over the last week … - 12. I have been irritable when with other people
Over the last week … - 13. I have felt optimistic about my future
Over the last week … - 14. I have achieved the things I wanted to
Please circle (select) the number that most accurately represents your level of agreement with each item below: - 1. I am completely unworthy of love.
Please circle (select) the number that most accurately represents your level of agreement with each item below: - 3. I can’t cope with my problems any longer.
Please circle (select) the number that most accurately represents your level of agreement with each item below: - 4. I can’t imagine anyone being able to withstand this kind of pain.
Please circle (select) the number that most accurately represents your level of agreement with each item below: - 6. Suicide is the only way to end this pain.
Scale 1: Expressing compassion for others - 1. People will take advantage of me if they see me as too compassionate
Scale 1: Expressing compassion for others - 2. Being compassionate towards people who have done bad things is letting them off the hook
Scale 1: Expressing compassion for others - 3. There are some people in life who don’t deserve compassion
Scale 1: Expressing compassion for others - 4. I fear that being too compassionate makes people an easy target
Scale 1: Expressing compassion for others - 5. People will take advantage of you if you are too forgiving and compassionate
Scale 1: Expressing compassion for others - 6. I worry that if I am compassionate, vulnerable people can be drawn to me and drain my emotional resources
Scale 1: Expressing compassion for others - 7. People need to help themselves rather than waiting for others to help them
Scale 1: Expressing compassion for others - 8. I fear that if I am compassionate, some people will become too dependent upon me
Scale 1: Expressing compassion for others - 9. Being too compassionate makes people soft and easy to take advantage of
Scale 1: Expressing compassion for others - 10. For some people, I think discipline and proper punishments are more helpful than being compassionate to them
Scale 2: Responding to the expression of compassion from others - 1. Wanting others to be kind to oneself is a weakness
Scale 2: Responding to the expression of compassion from others - 2. I fear that when I need people to be kind and understanding they won’t be
Scale 2: Responding to the expression of compassion from others - 3. I’m fearful of becoming dependent on the care from others because they might not always be available or willing to give it
Scale 2: Responding to the expression of compassion from others - 4. I often wonder whether displays of warmth and kindness from others are genuine
Scale 2: Responding to the expression of compassion from others - 5. Feelings of kindness from others are somehow frightening
Scale 2: Responding to the expression of compassion from others - 6. When people are kind and compassionate towards me I feel anxious or embarrassed
Scale 2: Responding to the expression of compassion from others - 7. If people are friendly and kind I worry they will find out something bad about me that will change their mind
Scale 2: Responding to the expression of compassion from others - 8. I worry that people are only kind and compassionate if they want something from me
Scale 2: Responding to the expression of compassion from others - 9. When people are kind and compassionate towards me I feel empty and sad
Scale 2: Responding to the expression of compassion from others - 10. If people are kind I feel they are getting too close
Scale 2: Responding to the expression of compassion from others - 11. Even though other people are kind to me, I have rarely felt warmth from my relationships with others
Scale 2: Responding to the expression of compassion from others - 12. I try to keep my distance from others even if I know they are kind
Scale 2: Responding to the expression of compassion from others - 13. If I think someone is being kind and caring towards me, I ‘put up a barrier’
Scale 3: Expressing kindness and compassion towards yourself - 1. I feel that I don’t deserve to be kind and forgiving to myself
Scale 3: Expressing kindness and compassion towards yourself - 2. If I really think about being kind and gentle with myself it makes me sad
Scale 3: Expressing kindness and compassion towards yourself - 3. Getting on in life is about being tough rather than compassionate
Scale 3: Expressing kindness and compassion towards yourself - 4. I would rather not know what being ‘kind and compassionate to myself’ feels like
Scale 3: Expressing kindness and compassion towards yourself - 5. When I try and feel kind and warm to myself I just feel kind of empty
Scale 3: Expressing kindness and compassion towards yourself - 6. I fear that if I start to feel compassion and warmth for myself, I will feel overcome with a sense of loss/grief
Scale 3: Expressing kindness and compassion towards yourself - 7. I fear that if I become kinder and less self-critical to myself then my standards will drop
Scale 3: Expressing kindness and compassion towards yourself - 8. I fear that if I am more self compassionate I will become a weak person
Scale 3: Expressing kindness and compassion towards yourself - 9. I have never felt compassion for myself, so I would not know where to begin to develop these feelings
Scale 3: Expressing kindness and compassion towards yourself - 10. I worry that if I start to develop compassion for myself I will become dependent on it
Scale 3: Expressing kindness and compassion towards yourself - 11. I fear that if I become too compassionate to myself I will lose my self-criticism and my flaws will show
Scale 3: Expressing kindness and compassion towards yourself - 12. I fear that if I develop compassion for myself, I will become someone I do not want to be
Scale 3: Expressing kindness and compassion towards yourself - 13. I fear that if I become too compassionate to myself others will reject me
Scale 3: Expressing kindness and compassion towards yourself - 14. I find it easier to be critical towards myself rather than compassionate
Scale 3: Expressing kindness and compassion towards yourself - 15. I fear that if I am too compassionate towards myself, bad things will happen
When things go wrong for me: - 1. I am easily disappointed with myself.
When things go wrong for me: - 2. There is a part of me that puts me down.
When things go wrong for me: - 3. I am able to remind myself of positive things about myself.
When things go wrong for me: - 4. I find it difficult to control my anger and frustration at myself.
When things go wrong for me: - 5. I find it easy to forgive myself.
When things go wrong for me: - 6. There is a part of me that feels I am not good enough.
When things go wrong for me: - 7. I feel beaten down by my own self-critical thoughts.
When things go wrong for me: - 8. I still like being me.
When things go wrong for me: - 9. I have become so angry with myself that I want to hurt or injure myself.
When things go wrong for me: - 10. I have a sense of disgust with myself.
When things go wrong for me: - 11. I can still feel lovable and acceptable.
When things go wrong for me: - 12. I stop caring about myself.
When things go wrong for me: - 13. I find it easy to like myself.
When things go wrong for me: - 14. I remember and dwell on my failings.
When things go wrong for me: - 15. I call myself names.
When things go wrong for me: - 16. I am gentle and supportive with myself.
When things go wrong for me: - 17. I can’t accept failures and setbacks without feeling inadequate.
When things go wrong for me: - 18. I think I deserve my self-criticism.
When things go wrong for me: - 19. I am able to care and look after myself.
When things go wrong for me: - 20. There is a part of me that wants to get rid of the bits I don’t like.
When things go wrong for me: - 21. I encourage myself for the future.
When things go wrong for me: - 22. I do not like being me.