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Money Policy

This study, repeated every year since 2008, considers both how price changes affect the cost of a minimum standard of living for UK households, as well as what is socially accepted as the minimum required to enable people to participate actively in society.

Published in Money Policy

An annual study covering a range of issues, from low income, unemployment and debt, ill health, education and problems in communities. The findings in the 2009 report showed that the number of people living in low-income households, of which children living in poverty and of people not in employment have risen substantially, and these rises have been independent of the recession.

Published in Money Policy

The Saving Gateway, a government initiative, piloted in six areas of England, that was aimed at encouraging saving among people who do not usually plan financially.

Published in Money Policy

A snapshot of the wealth distribution in the UK between 2006 and 2008 shows stark differences: the top 10 per cent of wealth-holders have more than 44% of all wealth, while the top 10 per cent of income earners accumulate 29 per cent of all income.

Published in Money Policy

An assessment of the changes to incomes, inequality and poverty in the country since 1979.

Published in Money Policy

A short paper examining what would happen, in terms of income tax, national insurance and spending on benefits and tax credits, if employers increased employees’ pay to a "living wage" level.

Published in Money Policy

A study tracking 40 adult prisoners for six months after their release and assessing the value of the prison discharge grant, which aim is to help prisoners with their immediate financial needs.

Published in Money Policy

The SANE Research Bulletins ask people affected by mental illness to give their views on issues which affect their lives - providing real-world evidence to support advocacy for improved services and attitudes. Bulletin topics include money, housing, family carers and employment.

Published in Money Policy

A study looking at the ability of people with multiple needs (including homelessness, mental health and substance use problems) to access financial services and their financial management skills. The research also examines the relationship between certain key life events, mental health and being convicted of offending. It considers how poverty defines the lives of adults with multiple needs and how their financial and social exclusion interact.

Published in Money Policy

The key finding of this research is that 1.5 million households lack even the most basic financial products, such as a current account and home contents insurance, and a further 4.4 million are on the margins of financial services provision. Using data from the Family Resources Survey, this report identifies how many households in Britain have no, or very few, mainstream financial products, and who they are. The report also draws on 87 in-depth interviews to describe the processes that lead to financial exclusion, and the consequences for households that are excluded financially. The researchers conclude that possible solutions should focus on four main areas: reducing barriers to access; product design; delivery of services; and encouraging take-up.

Published in Money Policy
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