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419kb
This study updates 2008’s innovative research, based
on what members of the public thought people need
for an acceptable minimum standard of living.
This report shows:
• What different family types need to earn to
meet the minimum income standard;
• How much the cost of a minimum household budget
has risen since the original research in 2008.
(Joseph Rowntree Foundation, 2009)
198kb
The first Minimum Income Standard for Britain was launched in
2008 and represents an important new benchmark for economic
well-being. This study asks if this standard is applicable for Northern
Ireland and whether it is possible to have a ‘UK-wide MIS’.
The study:
• is based on what members of the public think people need for
a minimum, socially-acceptable standard of living;
• compares standards for Great Britain and Northern Ireland for
selected household types; and
• examines how prices compare and whether what people need
differs between the two places
(Joseph Rowntree Foundation, 2009)
424kb
This report shows:
• what incomes different family types require in 2011 to
meet the minimum standard; and
• how much the cost of a minimum household budget has
risen since the last update in 2010.
This update in minimum budgets is based on increases in living
costs. The findings also reflect important changes in the tax and
benefits systems, which affect both the extent to which people
living on benefits can afford necessities and the amount that
people in work need to earn in order to reach a minimum net
income. The research describes the ways in which people on
lower incomes are feeling the squeeze caused by a combination
of sluggish income growth, relatively rapid price increases, and
tax and benefit changes. (Joseph Rowntree Foundation, 2011)
236kb
A minimum income standard based on what people said is needed to
achieve an acceptable standard of living in Britain today.
While politicians from all parties are committed to tackling relative poverty, the debates lack a robust de? nition of a minimum income standard (MIS), below which people’s incomes should not fall. This study devised a minimum income standard for Britain based on what members of the public said, and shows the cost of covering basic goods and services for different household types.
The project blends the best elements of the two main methods that have been used to develop budget standards in Britain in recent years. It reconciles the views of experts with those of ordinary people, allowing budgets based on social consensus to be tested against expert knowledge and research. As such, the MIS represents a new and important tool for informing social policy in order to promote fairness and well-being in Britain.
(Joseph Rowntree Foundation, 2008)
692kb
This report extends the work on a Minimum Income Standard (MIS) for the UK, and explores how needs and costs vary for different households in relation to rurality.
While the rate of income poverty is lower in rural than in urban
areas, it is growing faster in rural areas than elsewhere. A higher
incidence of low pay in many peripheral and more remote rural
areas increases risks of in-work poverty. There is evidence to
suggest that rural low income families may face higher costs for
certain essentials such as food and transport than their urban
counterparts. At the same time, however, there is limited
systematic evidence about how needs and costs vary in relation
to rurality. This repor t presents the ? ndings of research designed
to examine what rural households need, to achieve the same
living standards as urban households. (Joseph Rowntree Foundation, 2010)
345kb
This report shows:
www.jrf.org.uk
July 2010
Abigail Davis,
Donald Hirsch and
Noel Smith
• what different family types need to earn in 2010 to meet
the minimum income standard;
• how much the cost of a minimum household budget has
risen since the last update in 2009.
This update is based partly on infl ation and partly on a review of
what should be included in the minimum standard. Despite the
recession, members of the public generally maintained their
view of what things are needed to participate fully in society, but
added some required items to refl ect changing technology.
The report also examines how far changes in benefi ts, wages and
taxes affect people’s ability to maintain a minimum living standard in
tough economic times. Its results carry important messages about
households’ increased risk of falling below the minimum
standard required. (Joseph Rowntree Foundation, 2010)
881kb
UK personal debt has doubled over the past decade to £1.6 trillion, and is forecast to rise to £2.1 trillion by 2015 (taking the average household debt to £84,365). Total lending is now more than the country’s total output, with “stressed” unsecured borrowing reaching record highs.
Do such high levels of indebtedness matter? Which groups are most at risk? How serious will the problem get? Do we have the right regulatory systems and agencies in place to cope with a personal debt crisis? And what alternative policies are on offer to deal with the wider impacts of the UK’s debt legacy? The contributors to this report have expertly grappled with these questions, collectively helping to push the issue of personal debt higher up the political agenda. (The Smith Insititute, December 2011)
1572kb
This report evaluates the case for developing a national advice resource to provide impartial, generic financial advice targeted at people on low to moderate incomes. (Resolution Foundation, 2006)
1046kb
A research paper outlining the current landscape of bank account provision, who the system is failing and proposals for the future (Social Finance, 2011).
87kb
An three page Executive Summary of the research around the current use and potential future use of Jam Jar accounts in the UK (Social Finance, 2011).
