Consumer Financial Confidence, Savings & Debt Stress Survey

Welcome, and thank you for participating in this survey about household finances. This survey asks about your financial outlook, savings, debt, and recent financial decisions. It should take approximately 11 minutes to complete. Your participation is entirely voluntary, and you may stop at any time. There are no right or wrong answers — we are interested in your honest opinions and experiences. All responses are confidential and will be reported only in aggregate. Please click 'Next' to begin.

How confident are you in your household's financial situation over the next 12 months?

Do you currently have any liquid savings you could access within 7 days?

• Yes
• No

Do you currently carry any debt (e.g., credit cards, loans, BNPL)?

• Yes
• No

Which of the following actions, if any, have you taken to manage your cash flow in the last 30 days? Select all that apply.

• Delayed a planned purchase
• Used savings to cover expenses
• Carried a balance on a credit card
• Borrowed from friends or family
• Used Buy Now, Pay Later (BNPL)
• Postponed a bill payment
• None of the above

Based on your responses in this survey, is there anything else you'd like to share about your current financial situation or the decisions you're making?

What is your age?

• 18–24
• 25–34
• 35–44
• 45–54
• 55–64
• 65 or older
• Prefer not to say

Thank you for completing this survey. Your responses have been recorded and will be treated confidentially. We appreciate your time.

Over the next 6 months, do you expect your total household income to:

• Increase
• Stay about the same
• Decrease
• Not sure

Approximately how many months of essential expenses could your current savings cover?

• 0 — no savings buffer
• Less than 1 month
• 1–2 months
• 3–5 months
• 6–11 months
• 12 months or more
• Not sure

Which types of debt do you currently have? Select all that apply.

• Credit card balance
• Auto loan/lease
• Student loan
• Mortgage/home loan
• Personal loan
• Buy Now, Pay Later (BNPL)
• Overdraft
• Other

If you received an extra 100 units of your local currency this month, how would you prioritize spending it? Please rank from highest to lowest priority.

1. Short-term savings / emergency fund
2. Debt repayment
3. Essential expenses
4. Discretionary spending
5. Investing / long-term goals

We'd like to understand your financial decisions in a bit more depth. An AI moderator will ask you a couple of brief follow-up questions based on your earlier responses.

What is your gender?

• Man
• Woman
• Non-binary
• Prefer not to say

Compared with 12 months ago, would you say your financial cushion (savings relative to expenses) is:

• Stronger
• About the same
• Weaker
• Not sure

In the last 3 months, how often did you add money to savings?

• Weekly
• Monthly
• Less than monthly
• Not at all

In the last 30 days, how stressed have you felt about your debt obligations?

Where do you currently live?

• United States
• United Kingdom
• Canada
• Australia
• Europe
• India
• Other

How confident are you that you will reach your savings goals this year?

How difficult is it for you to make your required minimum payments this month?

What is the highest level of education you have completed?

• Some high school or less
• High school diploma or equivalent
• Some college / associate degree
• Bachelor's degree
• Postgraduate degree
• Prefer not to say

Have you missed or been late on any bill or loan payment in the last 90 days?

• Yes
• No
• Prefer not to say

What is your current employment status?

• Employed full-time
• Employed part-time
• Self-employed
• Unemployed and looking
• Unemployed and not looking
• Student
• Retired
• Prefer not to say