Authors: Adele Atkinson, Elaine Kempson and Sharon Collard
Funded by: Financial Services Authority 
Published by: University of Bristol

This longitudinal study revisited people who had shown some sign of financial stress when they were interviewed for the Financial Services Authority’s Baseline Survey of Financial Capability in 2005. The research was designed to explore the causes of financial difficulties and the changes to people’s financial circumstances in the following two years. The original Baseline Survey was analysed quantitatively to identify those with varying degrees of financial difficulty, whilst this  study used qualitative methods to explore the circumstances of 35 of the original respondents two years after their original interview.

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Snakes and ladders: a longitudinal study of financial difficulty (PDF, 461kB)

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