Household finance

ALTERNATIVE LABELS
Household budget
Households economic aspects
NARROWER TERMS


Report

Public and private debt: links between debt types for all New Zealanders

Debt takes many forms in an established financial system. This paper focuses on two categories of debt based on who the debt is owed to - public debt (debt owed to the government) and private debt (debt owed to non-government lenders).
Discussion paper

Addressing rising energy bills: what could the new prime minister do?

UK households are experiencing a severe cost of living crisis. Annualised bills for a typical household are currently rapidly. The UK government has already provided some support, but more is likely to be needed. This paper lays out the government’s options.
Report

Power pain: an investigation of energy stress in Australia

Many people in Australia struggle to afford the energy they need for their wellbeing. This report investigates the scale of the problem of energy stress and identifies policy implications.
Report

Comparative analysis of cost of living

Deloitte Access Economics was engaged by the Western Australian Treasury to undertake a comparative analysis of cost of living between Perth, Sydney, Melbourne and Brisbane; and between the major regional centres of Bunbury, Newcastle, Geelong and Sunshine Coast. The purpose of the report is to...
Report

The wealth inequality pandemic: Covid and wealth inequality

This is the fourth and final report in the ACOSS and UNSW Sydney Poverty and Inequality Partnership’s COVID 'Build Back Fairer' series. It traces changes in household wealth and its distribution through the pandemic up to December 2021 and examines the impact of policy settings...
Report

Tackling rising inflation and slowing growth: government’s big decision on how to share the pain

The economic crisis facing the United Kingdom is very different to the 2008 financial crash and the early 1990s recession – which means a very different response is required by the government, argues Gemma Tetlow in this report.
Briefing paper

Cutting the cost of living

This briefing paper outlines a host of measures that the UK Government could implement immediately to help address the short term challenges of the cost of living crisis – most at minimal or no cost to the Treasury.
Report

Losing traction: lessons in financial wellbeing from the COVID crisis

As Australia reopens, it is easy to feel that the worst of the COVID-19 crisis is over. However, this analysis suggests recovery for many will be slow, with ongoing struggles making ends meet.
Discussion paper

The rise in household liquidity

This paper explores the determinants of liquidity across households and over time, using a range of household surveys for Australia. The authors find that household liquidity is strongly associated with life cycle factors, such as age and housing tenure.
Report

Walking the path to the next global financial crisis

This report argues that failing to prepare now for the next financial crisis could destroy New Zealanders’ nest eggs and threaten their livelihoods.
Report

A brief reprieve? Financial wellbeing after the 2020 COVID-19 lockdowns

This third paper in the 'Financial Lives in Uncertain Times' series explores trends in financial wellbeing during the fleeting period of recovery between the pandemic-related lockdowns of 2020 and 2021.
Report

New vulnerable research

From April to September 2020, Good Shepherd commissioned Roy Morgan to investigate a group of working Australians that they have termed the ‘new vulnerable’. This report provides in-depth analysis of these people, and their experience of navigating support systems to address their needs arising from...
Report

Pandemic pain: Victorian renters in lockdown

Tenants Victoria, the state's peak body for renters, surveyed renters about the financial impact of public-health lockdowns during the COVID-19 pandemic. The survey, conducted immediately after Victoria's fifth lockdown in August 2021, found that 69% said they were financially impacted by lockdowns, while more than...
Report

Insights into hardship and disadvantage in Perth, Western Australia: the 100 Families WA report

Inspired by Auckland City Mission’s Family 100 project, the 100 Families WA project sought to gain a deep understanding of the lived experience of entrenched disadvantage in Perth, Western Australia. This report outlines the research findings.
Report

The perceived value of insurance for low-income households

This report provides an extensive analysis of how low-income households both value insurance and what they consider when making their insurance decisions. The findings point to both practical barriers, such as cost, for low-income households, as well as attitudinal differences in the perception of how...
Discussion paper

Generation stressed: house prices and the cost of living in the 21st Century

This discussion paper explores how the affordability of home ownership has changed between generations over the last half century. It shows that the common framing of mortgage affordability places far too much emphasis on short-term interest rates, and far too little on inflation and wage...
Report

Counting the cost to families: assessing childcare affordability in Australia

Despite government subsidies, childcare is still a significant cost for many families. This paper reviews available data on expenditure and affordability, and presents new analysis of household expenditure data to understand how much Australian families are spending on early childhood education and care, as a...
Report

Shocks and safety nets? Financial wellbeing during COVID-19

This paper explores the impacts of the COVID-19 crisis and resulting policy responses on financial wellbeing.
Working paper

Exchange rates, remittances and expenditure of households with foreign-born members: evidence from Australia

This paper examines the impact of the depreciation of the Australian dollar on the expenditure of households with foreign-born members in Australia.
Report

All in it together? Financial wellbeing before COVID-19

This report shows that financial wellbeing in Australia improved in the two years before the COVID-19 crisis, but not all groups experienced the same improvements.