Table of Contents
Key Findings
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- Consumer sentiment
- A tightening squeeze…
- … and confidence has stopped growing
- But most are holding up…
- … and high-value consumer groups are more positive and willing to spend
- Key economic indicators
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- Figure 1: Key economic indicators, September 2017
Current Financial Situation
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- What you need to know
- Most consumers are getting by…
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- Figure 2: “How would you generally describe your financial situation at the moment?”, September 2017
- … and sentiment is still relatively high despite recent falls
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- Figure 3: The financial well-being index, February 2009-September 2017
- The most valuable consumers are also the most comfortable
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- Figure 4: “How would you generally describe your financial situation at the moment?”, by age and gross annual household income, September 2017
Changes in Financial Situation
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- What you need to know
- People are feeling worse off…
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- Figure 5: “How would you describe your finances compared to a year ago?”, September 2017
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- Figure 6: Changes in household finances, July 2011-September 2017
- … as inflation continues to outstrip wage growth
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- Figure 7: Annual percentage change in CPIH versus annual percentage change in average weekly regular pay (3 months average), January 2015-August 2017
- Millennials are on the up, but retirees are lagging behind
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- Figure 8: “How would you describe your finances compared to a year ago?”, by generation, September 2017
Financial Confidence
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- What you need to know
- Ups and downs, but confidence is still pretty high
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- Figure 9: “And how do you feel about your financial situation over the next year or so?”, September 2017
- Has confidence reached a plateau?
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- Figure 10: The financial confidence index, January 2009-September 2017
- Retirees are most bullish about the future
- A confident capital
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- Figure 11: “And how do you feel about your financial situation over the next year or so?”, by region, September 2017
Spending Plans
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- What you need to know
- Planned spending is at a record high
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- Figure 12: “Thinking about how you spend your money, which of the following have you done over the last three months? And which of you plan to do over the next three months?”, September 2017
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- Figure 13: The financial activity index, June 2012-September 2017
- Young and eager to spend?
- Saving is a luxury for lower-earners
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- Figure 14: Saving activity and intentions, by gross annual household income, September 2017
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