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Just Managing?

 | 
Mark O'Brien
, 
Paul Kyprianou

Appendix II: Family Circumstances and Spending

Texte intégral

1Pictograms are given for the annual financial outgoings of those families who completed their spending diaries over the whole year of the study. One family amended their diaries slightly and included their own categories of ‘food alone’ and ‘fuel alone’. Where spending diaries were not fully completed over the year, the families’ circumstances are provided after the charts shown below.

2All names have been changed to provide anonymity.

Mark and Ruth

3Children: four. Work (Ruth): office work (part-time). Work (Mark): unemployed. Home: social housing.

Weekly spending £s

Annual spending £s

Income

594.60

30,919.45

Spend

605.37

31,479.19

Balance

-10.77

-559.74

Breakdown of spending

Breakdown of spending

Colette

4Children: two. Work: teaching assistant (temporary). Home: privately rented.

Weekly spending £s

Annual spending £s

Income

446.62

23,224.10

Spend

455.07

23,663.89

Balance

-8.46

-439.78

Breakdown of spending

Breakdown of spending

Zoe

5Children: two (one at home). Work: student nurse (plus agency work). Home: privately rented.

Weekly spending £s

Annual spending £s

Income

375.92

19,547.65

Spend

367.35

19,101.95

Balance

8.57

445.70

Breakdown of spending

Breakdown of spending

Tammy and Malcolm

6Children: two. Work (Tammy): unemployed. Work (Malcolm): service sector (zero-hour contract). Home: privately rented.

Weekly spending £s

Annual spending £s

Income

410.19

21,330.00

Spend

505.59

26,290.67

Balance

-95.40

-4,960.67

Breakdown of spending

Breakdown of spending

Eileen

7Children: three (two at home). Work: cleaning (part-time; two jobs). Home: privately rented.

Weekly spending £s

Annual spending £s

Income

542.98

28,234.73

Spend

490.71

25,516.78

Balance

52.27

2,7171.95

Breakdown of spending

Breakdown of spending

Emma

8Children: four. Work: cleaning (self-employed). Home: owned with mortgage.

Weekly spending £s

Annual spending £s

Income

343.72

17,873.39

Spend

403.32

20,972.45

Balance

-59.60

-3,099.05

Breakdown of spending

Breakdown of spending

Amy

9Children: four. Work: voluntary sector (part-time; two jobs). Home: privately rented.

Weekly spending £s

Annual spending £s

Income

533.54

27,744.00

Spend

490.00

25,528.53

Balance

42.61

2,215.47

Breakdown of spending

Breakdown of spending

Karolina and Micha

10Children: one. Work (Karolina): retail sector (part-time). Work (Micha): factory work (full-time). Home: social housing.

Weekly spending £s

Annual spending £s

Income

458.31

23,831.90

Spend

414.33

21,545.40

Balance

43.97

2,286.50

Breakdown of spending

Breakdown of spending

Phoebe and Gavin

11Children: four. Work (Phoebe): unemployed. Work (Gavin): manufacturing sector (full-time). Home: social housing.

Weekly spending £s

Annual spending £s

Income

796.10

36,716.95

Spend

810.40

42,141.05

Balance

-104.31

-5,424.10

Breakdown of spending

Breakdown of spending

Joy

12Children: one. Work: receptionist (part-time). Home: privately rented.

Weekly spending £s

Annual spending £s

Income

370.12

19,246.19

Spend

326.74

16,990.38

Balance

43.38

2,255.81

Breakdown of spending

Breakdown of spending

Janet

13Children: two. Work: teaching assistant (part-time). Home: privately rented.

Weekly spending £s

Annual spending £s

Income

456.44

23,734.63

Spend

594.47

30,912.51

Balance

-138.04

-7,177.88

Breakdown of spending

Breakdown of spending

Fiona

14Children: two. Work: shop work (self-employed). Home: social housing.

Weekly spending £s

Annual spending £s

Income

287.92

14,972.00

Spend

230.82

12,002.50

Balance

57.11

2,969.50

Breakdown of spending

Breakdown of spending

Will and Sam

15Children: two. Work (Will): leisure sector (full-time). Work (Sam): unemployed. Home: privately rented.

Weekly spending £s

Annual spending £s

Income

288.67

15,011.07

Spend

348.20

18,106.28

Balance

-59.52

-3,095.21

Breakdown of spending

Breakdown of spending

Brenda and Colin

16Children: two (a third due). Work (Brenda): leisure sector (part-time). Work (Colin): unemployed. Home: social housing.

Weekly spending £s

Annual spending £s

Income

361.43

18,794.61

Spend

460.34

23,937,76

Balance

-98.91

-5,143.16

Breakdown of spending

Breakdown of spending

Liam and Grace

17Children: four. Work (Liam): chef (hourly-paid). Work (Grace): unemployed. Home: social housing.

Weekly spending £s

Annual spending £s

Income

452.86

23,548.74

Spend

484.50

25,194.24

Balance

-31.64

-1,645.50

Breakdown of spending

Breakdown of spending

Sian and Steve

18Children: three. Work (Sian): unemployed. Work (Steve): driver (self-employed). Home: privately rented.

Weekly spending £s

Annual spending £s

Income

473.22

24,607.41

Spend

483.94

25,165.13

Balance

-10.73

-557.71

Breakdown of spending

Breakdown of spending

Gaynor

19Children: one. Work: cleaner and retail sector (part-time; three jobs). Home: privately rented.

Weekly spending £s

Annual spending £s

Income

403.46

20,979.92

Spend

395.07

20,543.89

Balance

8.39

436.03

Breakdown of spending

Breakdown of spending

Liz

20Children: one. Work: office work (part-time). Home: privately rented.

Weekly spending £s

Annual spending £s

Income

405.70

21,096.60

Spend

432.79

22,504.85

Balance

-27.08

-1,408.35

Breakdown of spending

Breakdown of spending

Luke and Minnie

21Children: two. Work (Luke): social-care sector (full-time). Work (Minnie): retail sector (part-time). Home: owned with mortgage.

Weekly spending £s

Annual spending £s

Income

487.25

25,337.01

Spend

461.64

24,005.46

Balance

25.61

1,331.55

Breakdown of spending

Breakdown of spending

Chang and Jiao

22Children: two. Work (Chang): restaurant work (part-time). Work (Jiao): retail sector (part-time). Home: social housing.

Weekly spending £s

Annual spending £s

Income

358.31

18,632.18

Spend

363.65

18,909.98

Balance

-5.34

-277.80

Breakdown of spending

Breakdown of spending

Ali and Rabia

23Children: five. Work (Ali): catering sector (full-time). Work (Rabia): unemployed. Home: privately rented.

Jenny

24Children: one. Work: catering (part-time). Home: privately rented.

Amber

25Children: three. Work: voluntary sector. Home: privately rented.

Phil and Dot

26Children: one. Work (Phil): cleaning (full-time). Work (Dot): care worker and cleaner (part-time: two jobs). Home: social housing.

Karen and Steve

27Children: four. Work (Karen): unemployed. Work (Steve): civil service. Home: privately rented.

Carol and Ric

28Children: two. Work (Carol): unemployed. Work (Ric): Social care sector (hourly paid). Home: social housing.

Terri and Don

29Children: two. Work (Terri): unemployed. Work (Don): various (part-time). Home: privately rented.

Denise

30Children: three. Work: retail and bar-tending (part-time). Home: social housing.

Nick and Cath

31Children: three. Work (Nick): factory work (full-time). Work (Cath): unemployed. Home: social housing.

Carol

32Children: five. Work: cleaner (part-time). Home: privately rented.

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