Research archive 2006 - 2018
Below are research and insight publications that inform our work around financial capability (for adults, children and young people), money guidance, over-indebtedness and pensions.
A wide range of research and evaluation studies from the UK and around the world can also be found on the Evidence Hub, which is available on the Financial Capability Strategy website.
December 2018
- Financial capability building blocks – Technical report 2018
- Financial capability survey 2018 – Survey technical report
- Improving money management in working-age adults – Evidence review
- Supportive Council Tax recovery
November 2018
- Financial education in secondary schools in England
- Financial education in secondary schools in England (summary infographic)
- Developing a financial rule of thumb to adjust to an income drop as a result of a negative life event
- Developing a financial rule of thumb to adjust to an income drop as a result of a negative life event – Executive summary
October 2018
- Talk, Learn, Do evaluation – A financial capability intervention for parents
- Talk, Learn, Do evaluation – Qualitative case study report
- Talk, Learn, Do – Learning and policy recommendations
September 2018
- Children and young people and financial capability: Provision analysis
- Children and young people and financial capability: Provision analysis (summary version)
- Developing financial capability in children and young people: Evidence analysis
- Children and young people’s financial capability: Policy landscape analysis
August 2018
- Higher-education students and money – Money Advice Service briefing note
- Understanding user needs from face-to-face debt advice services: a co-design approach
July 2018
- A picture of over-indebtedness in the UK
- Levels of Over-Indebtedness in the UK – Technical report
- Mapping the unmet demand for debt advice in the UK
- Evidence review for debt advice commissioning
June 2018
April 2018
- On the front foot: developing financial capability propositions to support the debt advice journey
- Children and Young People and Financial Capability: Needs Analysis
- Children and Young People Financial Capability Deep Dive: Vulnerability
- Children and Young People Financial Capability Deep Dive: Parenting
- Children and Young PeopleFinancial Capability Deep Dives Technical Report
- Measuring Financial Capability in Children and Young People: What drives financial behaviour?
- Measuring Financial Capability in Children and Young People: What drives financial behaviour? Technical Appendices
- Vulnerable Children and Young People and Financial Capability: Literature Review
March 2018
January 2018
- Young Adults and Money Management: behaviours, attitudes and useful rules of thumb
- Peter Wyman Review of Debt Advice Funding
- Debt Solutions in the UK: Recommendations for Change
- The Effectiveness of Current Debt Solutions
- Economic Impact of Debt Advice – Main Report
- The Economic Impact of Debt Advice – Summary Report
- The economic impact of debt advice on health
- The economic impact of debt advice on employment and productivity
- The economic impact of debt advice on creditor recovery
- The economic impact of debt advice on debt-recycling
December 2017
- A strategic approach to debt advice commisioning 2018 – 2023
- Better Debt Advice
- The Equalities Impact Assessment for ‘A strategic approach to debt advice commissioning 2018-2023
November 2017
- The Financial Capability of Children & Young People and their Parents 2016 – Northern Ireland
- The Financial Capability of Children & Young People and their Parents 2016 – Scotland
- The Financial Capability of Children & Young People and their Parents 2016 – Wales
- The Financial Capability of Children & Young People and their Parents 2016 – Welsh language version
- The journey from childhood skills to adult financial capability – analysis of the 1970 British Cohort Study
- The journey from childhood skills to adult financial capability – Technical Appendix
- Right Place, Right Time – Helping people with their finances when they need it most
- Numeracy and Financial Capability – Exploring the links
- Adult numeracy and financial capability – a summary
Numeracy and Financial Capability Technical documents
- Numeracy literature review
- The Money Advice Service Numeracy Deep Dive
- Modelling the impact of numeracy on financial capability
- Young Adults and Money Management: behaviours, attitudes and useful rules of thumb
October 2017
- Pensions and Debt Advice
- Making Advice work programme (stream 3)
- 2016 outcome evaluation of debt advice funded by Money Advice Service
September 2017
- An unavoidable challenge? Repeat Clients in the Debt Advice Sector
- Over indebtedness in the UK – 2017 statistics
- How to use behavioural science to increase the uptake of debt advice
- Independent Review of the Funding of Debt Advice
- Rules of Thumb Evidence Review
- Pensions Dashboard Research – 2CV
- Pensions Dashboard Research – ComRes
August 2017
- Retirement Planning Evidence Review
- Delivering a Vision For Debt Advice: Co-designing a service to meet people’s needs in Wales
July 2017
- Savings evidence review
- Opportunities and challenges in the debt advice sector today
- Creditor toolkit: Working collaboratively with debt advice agencies
June 2017
- Symptoms of problem debt: June 2017
- Journey into debt – Sudden Crisis
- Journey into debt – Unstoppable Slide
March 2017
- The Financial Capability of Children, Young People and their Parents in the UK
- The Financial Capability of Children, Young People and their Parents in the UK – Technical Report
- Children and their financial futures: A generation unprepared?
February 2017
- Moving forward together
- Peer support for people with problem debt – A guide
- Peer coaching
- Volunteer debt helpline
- Online debt forum
- Debt support group
- Money management online classes
- Financial tracking app
- Advice at local groups and events
- Financial therapy app
- Buddy scheme
- Peer Support Workshop Presentation
- SFS Workshop Presentation
November 2016
- The Economic Impact of Improved Financial Capability
- Measuring financial capability – identifying the building blocks
- Defining, measuring and predicting financial capability in the UK – Technical report
- The Financial Capability of Children and young people – Research findings
September 2016
- Closing the savings gap
- The Savings Challenge: Is the UK prepared for a rainy day?
- Young adults’ financial capability
- Young adults literature review: A report by family kids and youth
August 2016
- Older people in retirement – research deep dive 2016
- Older people in retirement – evidence review 2016
May 2016
- Market Segmentation – An overview
- Market Segmentation – Technical report
- Financial resilience segmentation conference slides
- The squeezed segment
March 2016
- A Picture of Over-Indebtedness
- A Picture of Over-Indebtedness (technical report)
- The Financial Capability of Northern Ireland
February 2016
January 2016
November 2015
- MAS FinCap Full Survey Wales
- MAS FinCap Full Survey Wales (Welsh)
- MAS financial capability – Technical Report
- MAS Financial capability in the UK – 2015 Survey results
- Barriers and Building Blocks – Results from the financial capability survey 2015
- Barriers Building Blocks – An overview of Adult financial capability survey
September 2015
Slides from Milestones & Milestones Event
August 2015
May 2015
April 2015
March 2015
February 2015
January 2015
December 2014
- Credit rating research exec summary
- Young People and Money – A toolkit and resource for those working with young people
October 2014
- Analysis of the Money Advice Service Financial Capability Survey
- Do you want to be on or off the ladder?
September 2014
August 2014
May 2014
April 2014
March 2014
- Money Lives: Research for the Money Advice Service
- The redundancy journey
- Car Buying Journey – Research debrief
January 2014
December 2013
- Unexpected costs report
- Quality framework for individuals delivering debt advice
- Quality framework for individuals – Accreditation process
- Quality framework for individuals delivering debt advice – FAQs
- National Audit Office – Helping consumers to manage their money
November 2013
- Indebted lives: the complexities of life in debt
- Personalising the debt sector – A segmentation of the over-indebted population
October 2013
September 2013
August 2013
July 2013
June 2013
May 2013
- Habit Formation and Learning in Young Children – Full report
- Habit Formation and Learning in Young Children – Executive Summary
March 2013
January 2013
December 2012
October 2012
June 2012
February 2012
- Debt advice in the UK
- User needs from debt advice: individual and stakeholder views
- A better deal for everyone: A new approach to debt advice from the Money Advice Service
January 2012
Research 2006-2011
July 2011
February 2011
November 2010
- Financial capability and saving: Evidence from the BHPS – CFEB CR02 – summary
- Financial capability and saving: Evidence from the BHPS – CFEB CR02 – full report
July 2010
- Transforming Financial Behaviour: Developing interventions that build financial capability – CFEB CR01 – summary
- Transforming Financial Behaviour: Developing interventions that build financial capability – CFEB CR01 – full report
- Money Guidance Pathfinder: key findings – CFEB ER01 – summary
- Money Guidance Pathfinder: key findings – CFEB ER01 – full report
May 2010
- Improving Financial Capability Among Offenders: An assessment of three programmes delivering financial capability training to offenders – CFEB ER02 – summary
- Improving Financial Capability Among Offenders: An assessment of three programmes delivering financial capability training to offenders – CFEB ER02 – full report