Financial capability, behaviours and wellbeing
Financial capability is the ability to manage money well and – where possible – to build financial resilience for difficult times. Many internal and external factors influence an individual’s ability to engage in financially effective behaviours that can improve financial and wider wellbeing.
2025
Navigating business finances
Sharon Collard, Katie Cross and Jamie Evans
Scottish household finances (PDF, 569kB) (part of the Series: Financial Fairness Tracker)
Katie Cross, Jamie Evans and Sharon Collard
The financial wellbeing of UK households - Autumn 2024 (PDF, 1,945kB) (part of the Series: Financial Fairness Tracker)
Jamie Evans, Katie Cross and Sharon Collard
2024
Impact of the budget (PDF, 617kB) (part of the Series: Financial Fairness Tracker)
Jamie Evans, Katie Cross and Sharon Collard
Financial wellbeing and ethnicity: Household finances in the UK by ethnic group (PDF, 1,102kB) (part of the Series: Financial Fairness Tracker)
Katie Cross, Jamie Evans and Sharon Collard
Understanding the role of savings in promoting positive wellbeing
Jamie Evans and Sara Davies
Bumpy road to recovery - Household financial wellbeing in May 2024 (PDF, 2,318kB) (part of the series: Financial Fairness Tracker)
Jamie Evans, Katie Cross and Sharon Collard
Beyond individual responsibility – towards a relational understanding of financial resilience through participatory research and design
Anne Angsten Clark, Sara Davies, Richard Owen and Keir Williams
Scottish household finances: An overview of financial wellbeing in Scotland (PDF, 1,134kB) (part of the series: Financial Fairness Tracker)
Jamie Evans and Sharon Collard
2023
Turning a corner? The financial wellbeing of UK households in October 2023 (part of the series: Financial Fairness Tracker)
Jamie Evans, Katie Cross and Sharon Collard
The financial wellbeing of disabled people in the UK
Jamie Evans, Sharon Collard, Ellen Fruijtier, Hayley Dawson, Luis Campos Ferreira and Eric Harris
Focus on housing - Exploring the financial wellbeing of different tenure groups (PDF, 914kB) (part of the series: Tracking the financial impact of the pandemic and cost of living crisis)
Jamie Evans and Sharon Collard
The 'new normal' - The financial wellbeing of households in May 2023 (PDF, 973kB) (part of the series: Tracking the financial impact of the pandemic and cost of living crisis)
Jamie Evans and Sharon Collard
The financial wellbeing of Scottish households (PDF, 913kB) (part of the series: Tracking the financial impact of the pandemic and cost of living crisis)
Jamie Evans and Sharon Collard
The financial costs of Cystic Fibrosis
Jamie Evans, Sara Davies and Katie Cross
The intersecting impacts of mental ill-health and money problems on the financial wellbeing of people from ethnic minority communities
Jamie Evans, Thomas Richardson, Katie Cross, Sara Davies, Peter Phiri, Nick Maguire and Rachel Jenkins
2022
Prices rising, temperatures falling (PDF, 1,225kB)
Jamie Evans and Sharon Collard
From mothers for mothers - supporting financial resilience through user-centred services
Anne Angsten Clark, Sharon Collard, Sara Davies (University of Bristol); Rahana Davis, Valerie Davis, Claire Royall, James Berry (community researchers / Great Western Credit Union)
Community-centred services support residents to build financial resilience
Anne Angsten Clark, Sharon Collard, Caitlin Holme and Daniella Jenkins (University of Bristol); Moustapha Ahmed, Claudia Dimitriu, Elmi Duucale and Iqbal Osman (community researchers); Lisa Dora and Hari Ramakrishnan (Boost Community).
Analysing the socio-economic impacts of COVID-19: a new regional geography or pandemic enhanced inequalities?
Katie Cross, Jamie Evans, Julie MacLeavy and David Manley
Tracking the financial impact of a pandemic on UK households
PFRC
2020
Developing a theory of change and evaluation plan for your resource (PDF, 3,039kB)
Andrea Finney
2018
Measuring Financial Capability in Children and Young People (PDF, 3,390kB)
Tom Clarke and Andrea Finney
2017
Financial capability and retirement
PFRC
Financial Well-being: A Conceptual Model and Preliminary Analysis
Elaine Kempson, Andrea Finney and Christian Poppe
Savings evidence review
Money Advice Service
2016
Defining, measuring and predicting financial capability in the UK
Andrea Finney
The Momentum Household Financial Wellness Index
PFRC
2015
Analysis of the 2008-10 Wealth and Assets Survey
Hard Times: Financial wellbeing among low and middle earners
Andrea Finney, David Hayes and Yvette Hartfree
What makes the wealthy wealthy? The composition of wealth across the wealth distribution and its determinants
Andrea Finney
Understanding the profile of those most at risk of detriment as a result of low financial capability
David Hayes, Sharon Collard and Elaine Kempson
2014
Financial well-being in older age
Personal Finance Research Centre
Making decisions about work in low-income couple households
Sharon Collard and Sara Davies
2013
Measuring levels of financial capability and the effectiveness of financial education
World Bank, Professor Elaine Kempson (lead consultant and first author of two publications)
2012
The financial impacts of cancer
Andrea Finney, Sara Davies, David Hayes and Sharon Collard
Quids in: the impact of financial skills training for social housing tenants
Sharon Collard, with Andrea Finney, David Hayes and Sara Davies
2011
Measuring financial capability using a short survey instrument: Instruction manual
Adele Atkinson
Towards a nation of savers: understanding and overcoming the challenges to saving on a lower income
Andrea Finney and Sara Davies
Development of the Compliance Perceptions Survey
Sharon Collard and Nick Smith
2010
Framework for the development of financial literacy baseline surveys: a first international comparative analysis
Elaine Kempson
2009
Wealth in Great Britain - main results from the Wealth and Assets Survey 2006-08
Making decisions about work in one-earner couple households
Sharon Collard and Adele Atkinson
Saving in lower-income households: an evidence review for the Financial Inclusion Taskforce
Elaine Kempson and Andrea Finney
Attitudes towards investment choice and risk within the personal accounts scheme: report of a qualitative study
Sharon Collard and Zoey Breuer
Individual investment behaviour: a brief review of research
Sharon Collard
2008
Exposed? Modelling patterns of financial risk amongst working-age adults using latent class analysis
Adele Atkinson and Andrea Finney
Evidence of impact: an overview of financial education evaluations
Adele Atkinson
Snakes and ladders: a longitudinal study of financial difficulty
Adele Atkinson, Elaine Kempson and Sharon Collard
2007
Financial capability in Northern Ireland
Adele Atkinson
Financial capability amongst adults with literacy and numeracy needs
Adele Atkinson
Levels of financial capability in the UK
Adele Atkinson, Stephen McKay, Sharon Collard and Elaine Kempson
2006
Financial capability in Ireland
Sharon Collard
Overstretched: people at risk of financial difficulties
Elaine Kempson and Adele Atkinson
Baseline survey of financial capability in the UK: results of a baseline survey
Adele Atkinson, Stephen McKay, Elaine Kempson and Sharon Collard
Closing the savings gap? The role of the Saving Gateway
Sharon Collard and Stephen McKay
2005
Attitudes to inheritance in Britain
Karen Rowlingson, Stephen McKay
Measuring financial capability
Elaine Kempson, Sharon Collard and Nick Moore
Introducing financial capability skills: a pilot study with Fairbridge West
Adele Atkinson
Incentives to save: Encouraging saving among low-income households (first evaluation of the Saving Gateway pilot scheme)
Elaine Kempson, Stephen McKay and Sharon Collard
2003
Savings and life events
Stephen McKay and Elaine Kempson
2000
Understanding small savers: saving behaviour amongst low-to-middle income groups
Claire Whyley and Elaine Kempson
1998
Savings and low-income households
Elaine Kempson
Savings and ethnic minority households
Elaine Kempson