Full text of Survey and Diary of Consumer Payment Choice : 2015 Diary of Consumer Payment Choice : Diary Questionnaire

The full text on this page is automatically extracted from the file linked above and may contain errors and inconsistencies.

Version: June 7, 2016

Diary 2015 questionnaire
Table of Contents
1) Pre-Day 0 ....................................................................................................................................................... 3
2) Day 0 Intro/Welcome screen ........................................................................................................................ 4
3) Account ownership – import from SCPC....................................................................................................... 4
4) Balances – Beginning of diary cash and account balances ........................................................................... 9
a) Balance – Count your cash ........................................................................................................................ 9
b) Balance – Checking account.................................................................................................................... 12
c) Balance – General Purpose Prepaid cards .............................................................................................. 14
d) Balance – PayPal account........................................................................................................................ 15
5) Income and employment status ................................................................................................................. 16
6) Special module – Preferences, characteristics and expectations. .............................................................. 20
7) End of Day 0 thank you text ........................................................................................................................ 25
8) Daily intro text/welcome back .................................................................................................................... 26
9) Purchases module ....................................................................................................................................... 29
a) Merchant categorization and consumption module .............................................................................. 32
Merchant category followups ................................................................................................................... 41
b) Payment instrument follow-ups ............................................................................................................. 47
c) “Categorize the purchase” sub-module.................................................................................................. 58
d) Reminders and recall aids – median 9 seconds ...................................................................................... 59
10) End of day balances on Cash, Checking account, and prepaid cards ......................................................... 60
a) Cash ......................................................................................................................................................... 60
11) Cash and account management module .................................................................................................... 62
a) Cash Deposits to all accounts ................................................................................................................. 62
b) Checking Deposits to all accounts........................................................................................................... 63
c) Prepaid Deposits to primary GPR card account ...................................................................................... 65
d) Cash Withdrawals to all accounts ........................................................................................................... 68
e) Checking Withdrawals from all accounts ................................................................................................ 69
f)

Other withdrawals .................................................................................................................................. 72
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12) Error checking ............................................................................................................................................. 72
a) Coin-to-cash and cash-to-coin section.................................................................................................... 75
b) Foreign-to-USD and USD-to-foreign section ........................................................................................... 76
c) Returned goods section .......................................................................................................................... 76
d) Cash lost, stolen, or moved section ....................................................................................................... 78
13) Income ........................................................................................................................................................ 79
14) Daily “MHQ” questions ............................................................................................................................... 82
a) What payment instruments did you carry today? [dcpc2012: median 10 seconds] .............................. 82
b) Did you use any weekly/monthly/yearly passes today?......................................................................... 82
c) Did you travel today? – median 8 seconds ............................................................................................. 83
15) Day 1 only module ...................................................................................................................................... 83
a) End of Day 1 text ..................................................................................................................................... 84
16) Day 2 module .............................................................................................................................................. 85
a) End of Day 2 text ..................................................................................................................................... 85
17) Day 3 only module ...................................................................................................................................... 85
a) Bills .......................................................................................................................................................... 85
b) Credit card questions .............................................................................................................................. 96
c) Types of borrowing “During these three days reminders” ..................................................................... 97
d) Balance – Cash stored and Checking account....................................................................................... 103
e) Rating the diary (our questions and RAND cs_001, cs_003) ................................................................ 109
f)

Video?? ................................................................................................................................................. 110

g) End of Day 3 text ................................................................................................................................... 110
18) Kantar list .................................................................................................................................................. 110




There are comments on some of the section headings telling us where these responses would go in
the accounting financial statements, for example: “Balance sheet/Assets”.
In this document, there are some areas which are shaded for various reasons
o RED STRIKETHRU – Text was deleted or moved to another location
o YELLOW – New text or new programming instructions
o GREEN – Place holder for discussion or new items which are not yet approved,
questions or concepts to be revised, areas for discussion.
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prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016
o

In addition, programing instructions are usually in red text and I’ll start them with a
comment marker like this
 ## Hello this is an instruction or comment

1) Pre-Day 0
## Reminders: HAVE THE VENDOR SEND EMAIL REMINDERS TO TAKE THE SCPC EACH DAY FOR 3
DAYS LEADING UP TO THE DIARY DAY
## Send reminder email to the respondent each diary day (0, 1, 2, and 3). The email should remind
the respondent to remember to participate in the diary and to log on each night.
## Variables to pull in from the SCPC:
















pa001_a, pa001_b, baadopter
o These are number of checking accounts, number of savings accounts, and flag for
bank account adoption
pa008 questions, dcadopter
o pa008_a1, _a2, _a3, pa008_b1, _b2, _b3
o These are the responses to the number of debit cards and number of ATM cards.
DCADOPTER is the created variable that controls the flow of later parts of the
survey.
ccadopter
o This created variable controls the flow of the survey for those respondents with
credit cards
Pcadopter, GPRADOPTER
o These variables have to do with prepaid cards and general purpose prepaid card
adoption.
moadopter
o This created variable controls the flow of the survey for those respondents who are
money order adopters.
obbpadopter
o This created variable controls the flow of the survey for those respondents who are
online banking bill payment adopters.
DE013
o If de013 = 1 then respondent owns primary home, if de013 = 2 then they do not
own home.
pa001_d1, pa048
o If pa001_d1 = YES then the respondent has a Paypal account
o pa048 asks how the payment account is funded. We are interested in response
option 4, “money stored with payment service”

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Version: June 7, 2016

2) Day 0 Intro/Welcome screen
IF diarist logs on and SCPC IS INCOMPLETE, THEN SHOW WARNING:
It is important that you take the Survey of Consumer Payment Choice (SCPC) before participating in
this Diary.
Please click here to take the SCPC.
After you take the SCPC, you will be able to continue participating this Diary.
## This “Day 0” section contains items that we need to ask the night before the respondent begins the
diary. Items that are in this module are “time sensitive” meaning that they have to be asked before the
diarist starts recording their payments and transactions.
## Intro screen
Thank you for agreeing to participate in the 2015 Diary of Consumer Payment Choice. Your three
assigned Diary days are:
[DISPLAY DIARY DAY 1 HERE, example “Wednesday, October 3”] to [DISPLAY DIARY DAY 3 HERE,
example “Wednesday, October 3”].
Before you begin, we need to ask you some questions today, [DISPLAY DIARY DAY 0 HERE, example
“Wednesday, October 3”], that will help us prepare for your answers during the next three days. It is
important that you answer these questions at the end of the day today before completing main part of
the Diary.
Starting tomorrow, [DISPLAY DIARY DAY 1 HERE, example “Wednesday, October 3”], we will ask you
about purchases, payments, and cash activity. We understand that not everybody makes purchases or
payments or has cash activity each day. We are interested in all types of payment behavior, including
days with zero payments or cash activity.
Your diary responses will be used for research purposes only.

3) Account ownership – import from SCPC
## This section will be replaced by the Accounts Module in the SCPC. If the respondent has already
taken the SCPC, then we don’t need to ask any of the questions about account ownership or
adoption.
We will import their answers from the SCPC and maybe give them a screen which says “Is everything
correct?”

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Version: June 7, 2016
## Here we want to build new variables that are a combination of the SCPC variables if they exist, or
the new DCPC variables if they are not missing. We’ll use these variables to control the flow of
certain questions later in the online diary questionnaire. First we must initialize the variables.
dcpc_pa001_a = SCPC variable pa001_a
dcpc_dcadopter = SCPC variable dcadopter
dcpc_ccadopter = SCPC variable ccadopter
dcpc_gpradopter = SCPC variable gpradopter
dcpc_paypaladopter = 0
IF scpc variables pa001_d1 = YES and pa048_d1 = YES (“money
stored…”) then dcpc_paypaladopter = 1
IF diarist has already taken SCPC:
(qday0_scpcintro)
Previously, you took another survey called the Survey of Consumer Payment Choice. In that survey,
you told us you:
## display as a table, where each row has one of these lines of text
Have [FILL: pa001_a. if pa001_a = missing then display “0”] checking account(s)
IF DCADOPTER = 1 THEN: Have at least one debit card
ELSE IF DCADOPTER = (0, missing) THEN: Do not have a debit card
IF CCADOPTER = 1 THEN: Have at least one credit card
ELSE IF CCADOPTER = (0, missing) THEN: Do not have a credit card
IF dcpc_paypaladopter = 1 THEN: Have money stored in a PayPal account
ELSE IF dcpc_paypaladopter = (0, missing) THEN: Do not have money stored
in a PayPal account

Is this all correct?
1. Yes
2. No
IF (qday0_scpcintro = NO or if SCPC has not been completed) then
## One screen for all of the following (temp_pa001_a, temp_dcadopter, temp_ccadopter,
temp_gpradopter)
Please tell us the correct information about your accounts and cards.
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Version: June 7, 2016
(temp_pa001_a)


Number of checking accounts you own: [numeric text box]

(temp_dcadopter)


Do you have any debit cards?
1. Yes
0. No

(temp_ccadopter)


Do you have any credit cards?
1. Yes
0. No

(temp_paypaladopter)


Do you have any money stored in a PayPal account?
1. Yes
0. No

## Next, we’ll use the variables initialized above and the responses from the question above and set
the variable to the correct value if necessary.
IF (temp_pa001_a not missing and temp_pa001_a not equal to
dcpc_pa001_a) then dcpc_pa001_a = temp_pa001_a
IF (temp_dcadopter not missing and temp_dcadopter not equal to
dcpc_dcadopter) then dcpc_dcadopter = temp_dcadopter
IF (temp_ccadopter not missing and temp_ccadopter not equal to
dcpc_ccadopter) then dcpc_ccadopter = temp_ccadopter
IF (temp_paypaladopter not missing and temp_paypaladopter not equal
to dcpc_paypaladopter) then dcpc_paypaladopter =
temp_paypaladopter
## new screen – ask to everybody
(do_you_have_gpr)
When you took the Survey of Consumer Payment Choice, we asked if you have a general purpose
reloadable prepaid card. Sometimes people get rid of their prepaid cards, and sometimes they get new
ones, so we need to ask you again.
Do you have any general purpose reloadable prepaid cards?
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Version: June 7, 2016


These prepaid cards have a logo from Visa, MasterCard, Discover, or American Express and can
be used to make payments anywhere credit cards or debit cards are accepted.
1. Yes
2. No

## assign value to dcpc_gpradopter
IF do_you_have_gpr = YES then dcpc_gpradopter = YES
ELSE dcpc_gpradopter = NO
## New screen for qmostusedpayacnt_1
If at least one of (dcpc_pa001_a = 1, dcpc_ccadopter = 1,
dcpc_gpradopter = 1, dcpc_paypaladopter = 1) THEN
(q_mostusedpayacnt_1)
Other than cash, which of these types of assets or accounts do you use most often to fund your
payments, including bills?
1. [IF dcpc_pa001_a > 0]Checking account (checks, debit cards, bank account number
payments, online banking bill payments)
2. [IF dcpc_ccadopter = 1]Credit card
3. [IF dcpc_gpradopter = 1]General purpose prepaid card
4. [IF dcpc_paypaladopter = 1]PayPal
5. Money order
6. Travelers check
7. Mobile phone payments
8. None (I only use cash to make payments)
9. Other (specify)
a. [open ended text box]
## New screen for qmostusedpayacnt_2

IF q_mostusedpayacnt_1 not equal to 8 “NONE” THEN
Remove the choice for q_mostusedpayacnt_1.
(q_mostusedpayacnt_2)
Other than cash, which of these types of assets or accounts do you use second most often
to fund your payments, including bills?
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Version: June 7, 2016
1. [IF dcpc_pa001_a > 0]Checking account (checks, debit cards, bank account
number payments, online banking bill payments)
2. [IF dcpc_ccadopter = 1]Credit card
3. [IF dcpc_gpradopter = 1]General purpose prepaid card
4. [IF dcpc_paypaladopter = 1]PayPal
5. Money order
6. Travelers check
7. Mobile phone payments
8. None (I only use cash and one other payment method)
9. Other (specify)
a. [open ended text box]
ENDIF
IF q_mostusedpayacnt_2 = 8 THEN
(q_mostusedpayacnt_3c)
In a typical week, which payment method or account do you use most often to make
payments?
1. Cash
2. [FILL: Choice from q_mostusedpayacnt_1. IF choice = “Other” then response
option text should read “Other, most often”]
ELSE
## new screen – same screen both q_mostusedpayacnt_3a and
q_mostusedpayacnt_3b
(q_mostusedpayacnt_3a)
In a typical week, which option below best describes the order of your payment method
choices, from the one you use most often to the one you use least often?
1. Cash, [FILL: Choice from q_mostusedpayacnt_1], [FILL: Choice from
q_mostusedpayacnt_2]
2. [FILL: Choice from q_mostusedpayacnt_1], Cash, [FILL: Choice from
q_mostusedpayacnt_2]
3. [FILL: Choice from q_mostusedpayacnt_1] , [FILL: Choice from
q_mostusedpayacnt_2], Cash
ENDIF ##q_mostusedpayacnt_2 = 8
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Version: June 7, 2016
ENDIF ##if q_mostusedpayacnt_1 not equal to 8

4) Balances – Beginning of diary cash and account balances
a) Balance – Count your cash
(q1)
One purpose of this diary is to understand cash activity among U.S. consumers. It is important that we
know how much cash you started this diary period with.





Consider cash that is immediately available to you and ready for spending.
Do not count foreign currency.
Do not count coins.
We will ask you separately about cash that is in storage elsewhere, such as your home, car or
office.

At the end of the day on [DISPLAY DIARY DAY 0 HERE, example “Wednesday, October 3”] do you have
any paper cash in your wallet, purse and/or pocket?
1. Yes
2. No
If q1 = NO then:
(q1a)
Please tell us why you don’t have any paper cash.
1. I just ran out and I need to get more.
2. I usually do not carry cash.
3. I gave my cash to someone else, such as a family member/friend/housemate.
4. My cash was stolen or lost.
5. Other (specify)
5other. ______________
If q1 = YES then show the following screen:

Count your paper cash!
Please tell us the NUMBER OF BILLS of each denomination in your wallet, purse and/or pocket at the end of

the day on [DISPLAY DIARY DAY 0 HERE, example “Wednesday, October 3”].
Your total dollar amount will be automatically calculated.
● Do not consider coins.
● Do not include foreign currencies.
NUMBER OF:
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Version: June 7, 2016

____ x $1 bills = $[calculated on the fly]

____ x $20 bills = $[calculated on the fly]

____ x $2 bills = $[calculated on the fly]

____ x $50 bills = $[calculated on the fly]

____ x $5 bills = $[calculated on the fly]

____ x $100 bills = $[calculated on the fly]

____ x $10 bills = $[calculated on the fly]
Total dollar amount $[GRAND TOTAL DOLLAR AMOUNT, calculated on the fly]

## Variable names for the items above:
denom1_num (the number of bills), denom1_amnt (the dollar amount)
denom2_num, denom2_amnt
denom5_num, denom5_amnt
denom10_num, denom10_amnt
denom20_num, denom20_amnt
denom50_num, denom50_amnt
denom100_num, denom100_amnt
amntcashend_day0
(q1b)
You told us you have $[GRAND TOTAL DOLLAR AMOUNT] in cash in your wallet, purse and/or pocket.
Is this amount correct?
1. Yes
2. No
****If q1b = NO, please take the diarist back to the “Count your paper cash” screen so they can
correct their numbers***

## The name of the variable for GRAND TOTAL DOLLAR AMOUNT should be “amntcashend_day0”. If the
respondent does not have any cash at the start of Day 0, then amntcashend_day0 = 0. If q1 = NO then
amntcashend_day0 should be set to 0, not missing
(scpc_pa015_b)
Do you have any cash stored elsewhere in your home, car, office, etc.?
 Do not include cash owned by other members of your household.
1. Yes
2. No
IF scpc_pa015_b = YES then

Count your paper cash stored elsewhere!
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prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016
Please tell us the NUMBER OF BILLS of each denomination stored elsewhere in your home, car, office, etc., on

[DISPLAY DIARY DATE HERE, example “Wednesday, October 3”].
Your total dollar amount will be automatically calculated.
● Do not consider coins.
● Do not include foreign currencies.
NUMBER OF:
____ x $1 bills = $[calculated on the fly]

____ x $20 bills = $[calculated on the fly]

____ x $2 bills = $[calculated on the fly]

____ x $50 bills = $[calculated on the fly]

____ x $5 bills = $[calculated on the fly]

____ x $100 bills = $[calculated on the fly]

____ x $10 bills = $[calculated on the fly]
Total dollar amount $[GRAND TOTAL DOLLAR AMOUNT, calculated on the fly]

## Variable names for the items above:
storedcash1_num, storedcash1_amnt
storedcash2_num, storedcash2_amnt
storedcash5_num, storedcash5_amnt
storedcash10_num, storedcash10_amnt
storedcash20_num, storedcash20_amnt
storedcash50_num, storedcash50_amnt
storedcash100_num, storedcash100_amnt
storedcash_total_amnt
## ERROR Check
If every cell in “Count your paper cash stored elsewhere” is left
blank, then show the following screen:
(storedcash_estimate_amnt)
It is important for us to know how much cash you have stored elsewhere in your home, car, office, etc.
Please give us an estimate of how much cash you have stored elsewhere in your home, car, office, etc.
$_____________
(q1_storedcashcorrect)
You told us you have $[GRAND TOTAL DOLLAR AMOUNT OR storedcash_estimate_amnt] in cash stored
elsewhere in your home, car, office, etc. Is this amount correct?
1. Yes
2. No

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Version: June 7, 2016

## New screen
IF storedcash_total_amnt > 0 OR storedcash_estimate_amnt > 0 THEN
## randomize to display either dcpc_pa015_c or dcpc_pa015_d
(dcpc_pa015_c)
## Do not allow answer which is greater than pa015_b
You said you have $[FILL: response for storedcash_total_amnt or
storedcash_estimate_amnt] in cash stored elsewhere.
About how much of that are you holding for cash payments (either for planned spending or
emergencies)?


About $________.00

(dcpc_pa015_d)
## Do not allow answer which is greater than pa015_b
You said you have $[FILL: response for storedcash_total_amnt or
storedcash_estimate_amnt] in cash stored elsewhere.
About how much of that have you set aside for long-term savings?


About $________.00

ENDIF

b) Balance – Checking account
### New Screen – Intro to checking account balances section
This section uses the newly created DCPC variable “dcpc_pa001_a” in order to determine the text to
display. The differences are based on the number of checking accounts the respondent owns.
IF dcpc_pa001_a = 1 THEN:
(pa071_a)
Checking account balance
Please use one of the following methods to look up your checking account balance:
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Version: June 7, 2016





Your bank’s online banking website
Your bank’s mobile app
Your bank’s telephone banking system
Your check book balance (if you keep a running daily balance that is up to date)

If you are not able to tell us your checking account balance right now, we’ll ask again tomorrow.
If you prefer, please visit or call your bank to ask for your exact balance as of midnight tonight,
[DAY 0 DATE] and enter the information tomorrow.
Are you able to tell us your checking account balance now?
1. Yes
2. No
IF dcpc_pa001_a >= 2 THEN:
(pa071_a)
Primary checking account balance
Your primary checking account is the one you use most often to make payments, not necessarily
the account with the most money in it.
Please use one of the following methods to look up your primary checking account balance:
 Your bank’s online banking website
 Your bank’s mobile app
 Your bank’s telephone banking system
 Your check book balance (if you keep a running daily balance that is up to date)
If you are not able to tell us your checking account balance right now, we’ll ask again tomorrow.
If you prefer, please visit or call your bank(s) to ask for your exact balance as of midnight
tonight, [DAY 0 DATE] and enter the information tomorrow.
Are you able to tell us your primary checking account balance now?
1. Yes
2. No

## We will only ask about checking account balances on Day 0 and at the end of Day 3!
## New screen
IF pa071_a = YES:
IF dcpc_pa001_a = 1 THEN

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Version: June 7, 2016
Please tell us the balance of your checking account as of [DISPLAY DIARY DATE HERE, example
“Wednesday, October 3”].



Round to the nearest dollar
Please report the total balance of the checking account, even if jointly owned

(pa072_a)
Balance of checking account $_______________ .00
(pa072_a_date)
Please tell us the time that you checked the balance of your checking account on [DAY 0 DATE].
[clock widget]
ELSE IF dcpc_pa001_a >= 2 THEN
Please tell us the balance of your primary checking account as of [DISPLAY DIARY DATE HERE,
example “Wednesday, October 3”].




Round to the nearest dollar
Please report the total balance of the checking account, even if jointly owned
Your primary account is the account you use most often to make payments, not
necessarily the account with the most money in it.

(pa072_a)
Balance of primary account $_______________.00
(pa072_a_date)
Please tell us the time that you checked the balance of your primary checking account on [DAY 0
DATE].
[clock widget]

c) Balance – General Purpose Prepaid cards
IF dcpc_gpradopter = YES (“1”) THEN
(pa074)
Please tell us the balance of your primary general purpose reloadable (GPR) prepaid card as of
[DISPLAY DIARY DATE HERE, example “Wednesday, October 3”].

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Version: June 7, 2016



If you have more than one GPR prepaid card, your primary card is the one that you use
most often to make payments, not necessarily the GPR card with the most money in it.
Round to the nearest dollar.

What is the balance of your primary GPR prepaid card?
$_____________.00
(pa074_time)
Please tell us the time you checked this balance.
[clock widget]
(pa074_date)
Please tell us the date you checked this balance.
[calendar widget]

d) Balance – PayPal account
IF dcpc_paypaladopter = 1 THEN
(paypal_balday0)
Please tell us the balance of your primary PayPal account as of [DISPLAY DIARY DATE HERE,
example “Wednesday, October 3”].



If you have more than one PayPal account, your primary account is the one that you use
most often to make payments, not necessarily the account with the most money in it.
Round to the nearest dollar.

What is the balance of your primary PayPal account?
$_____________.00
(pa074_time)
Please tell us the time you checked this balance.
[clock widget]
(pa074_date)
Please tell us the date you checked this balance.
[calendar widget]

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Version: June 7, 2016

5) Income and employment status
(q14)
Now we would like to ask you a few questions about your employment and income.
What is your current employment situation?
 Check all that apply
1.
2.
3.
4.
5.
6.
7.
8.

Working now
Unemployed and looking for work
Temporarily laid off, on sick or other leave
Disabled
Retired
Homemaker/caregiver
Student
Other (specify)
a. [open ended text box]

## new screen -- q15
If q14 = Working now is selected then
(q15)
Do you work for someone else, are you self-employed or what?
1. I work for someone else
2. I am self-employed
3. Other (specify)
End skip (q14 = working now)
## New screen
(q140)
Do you receive any of the following types of income?
 Please tell us only about income you receive, not income of a spouse, partner, or other household
member.
Yes

No

(q140_a)
Employment income (wages, salary, bonuses)
(q140_c)
Self-employment income
(q140_d)
Social Security
(q140_b)
Employer-paid retirement
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Version: June 7, 2016
(q140_j)
IRA, Roth IRA, 401(k), or other retirement fund
(q140_e)
Interest and dividends
(q140_f)
Rental income
(q140_g)
Government assistance (disability, unemployment, SNAP,
TANF, WIC)
(q140_h)
Alimony
(q140_i)
Child support

## New screen
IF any of q140_a – q140_j = YES then
## only display rows where q140 = YES
(q141)
Please tell us how often you receive income.

(IF q140_a = YES)
(q141_a)
Employment income (wages, salary,
bonuses)
(IF q140_c = YES)
(q141_c)
Self-employment income
(IF q140_d = YES)
(q141_d)
Social Security
(IF q140_b = YES)
(q141_b)
Employer-paid retirement
(IF q140_j = YES)
(q141_j)
IRA, Roth IRA, 401(k), or other retirement
fund
(IF q140_e = YES)
(q141_e)
Interest and dividends
(IF q140_f = YES)
(q141_f)

How often you receive income?
## Show this dropdown in each row that is
displayed in the table.
Drop-down:
--Select one-1. Weekly
2. Every two weeks
3. Twice per month
4. Monthly
5. Quarterly
6. Yearly
7. Other, on a one-time basis
8. Other, on a regular basis
9. Other, on an irregular basis
## Variable ID’s for this column:
q141_a_freq
q141_c_freq
q141_d_freq
q141_b_freq
q141_j_freq

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Rental income
(IF q140_g = YES)
(q141_g)
Government assistance (disability,
unemployment, SNAP, TANF, WIC)
(IF q140_h = YES)
(q141_h)
Alimony
(IF q140_i = YES)
(q141_i)
Child support

q141_e_freq
q141_f_freq
q141_g_freq
q141_h_freq
q141_i_freq

## BEGIN new Day 0 income questions

## New screen
IF any of q140_a – q140_j = YES then
## only display rows where q140 = YES
(q142)
Did you receive any income from the following sources on [DISPLAY DIARY DATE HERE, example
“Wednesday, October 3”]?
Yes

No

(IF q140_a = YES)
(q142_a)
Employment income (wages, salary, bonuses)
(IF q140_c = YES)
(q142_c)
Self-employment income
(IF q140_d = YES)
(q142_d)
Social Security
(IF q140_b = YES)
(q142_b)
Employer-paid retirement
(IF q140_j = YES)
(q142_j)
IRA, Roth IRA, 401(k), or other retirement fund
(IF q140_e = YES)
(q142_e)
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prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016
Interest and dividends
(IF q140_f = YES)
(q142_f)
Rental income
(IF q140_g = YES)
(q142_g)
Government assistance (disability, unemployment, SNAP, TANF, WIC)
(IF q140_h = YES)
(q142_h)
Alimony
(IF q140_i = YES)
(q142_i)
Child support

## New screen
IF any of q142_a – q142_j = YES then
## only display rows where q142 = YES

(q144)
How much net income (also called after-tax income) did you receive and how did you receive the
income on [DISPLAY DIARY DATE HERE, example “Wednesday, October 3”]?
In other words, tell us the amount deposited into one of your accounts, or the amount of cash or a
check you received.



Report NET amount of income received, after all taxes and other deductions.
Include multiple payments from the same source.

Source
(IF q142_a = YES)
(q144_a)
Employment (wages, salary, bonuses)
(IF q142_c = YES)
(q144_c)
Self-employment income
(IF q142_d = YES)
(q144_d)
Social Security
(IF q142_b = YES)
(q144_b)
Employer-paid retirement
(IF q142_j = YES)
(q144_j)

Amount
(q144_a)
$_________
(q144_c)
$_________
(q144_d)
$_________
(q144_b)
$_________
(q144_j)
$_________

How did you receive your income?
## Show the drop down list for each row
that is displayed.
[Drop down list]
--Select one—
1. Direct deposit to primary
checking account
2. Direct deposit to some other
checking or savings account
3. Paper check
4. Cash
5. Payroll card
6. General purpose reloadable

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Version: June 7, 2016
IRA, Roth IRA, 401(k), or other retirement
fund
(IF q142_e = YES)
(q144_e)
Interest and dividends
(IF q142_f = YES)
(q144_f)
Rental income
(IF q142_g = YES)
(q144_g)
Government assistance (disability,
unemployment, SNAP, TANF, WIC)
(IF q142_h = YES)
(q144_h)
Alimony
(IF q142_i = YES)
(q144_i)
Child support

prepaid card
7. Other
(q144_e)
$_________
(q144_f)
$_________
(q144_g)
$_________
(q144_h)
$_________

## Variable names for “How did you
receive your income?”
q143_a
q143_c
q143_d
q143_b
q143_j
q143_e
q143_f
q143_g
q143_h
q143_i

(q144_i)
$_________

(q18)
Please tell us the date of the [FILL: if all of q142 = NO then “last”, if any of q142 = YES then “previous”]
time you received some form of income.


Click the arrows to scroll through additional months.
****Calendar goes here****

## END new Day 0 income questions

6) Special module – Preferences, characteristics and expectations.
## New screen – bill payments section
(q115_b)
Bill payment preferences
Please tell us the payment method you most prefer to use for making bill payments.
1. Cash
2. Check
3. Credit card
4. Debit card
5. Prepaid/Gift/EBT card
6. Bank account number payment
7. Online banking bill payment
8. Money order
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Version: June 7, 2016
9. Traveler’s check
10. Mobile phone payment
11. Other payment method
## New screen -- Q116_b and Q117_b on the same page****
(q116_b)
Bill payment preferences
Please tell us the most important characteristic of [FILL: insert response to q115_b, in bold]
when making a bill payment.
## use these fills for for q117_b, q118_b, q116_a, q117_a, q118_a, q116_c.
“cash”
“a check”
“a credit card”
“a debit card”
“a prepaid/gift/EBT card”
“a bank account number payment”
“an online banking bill payment”
“a money order”
“a traveler’s check”
“a mobile phone payment”
“another payment method”
## Randomize this list of response options and keep the same randomization for q116_a and
q116_c and q118_a and q118_b
1. Security
2. Accepted at lots of places
3. Cost
4. Convenience
5. Budget control
6. [IF q115_b = “credit card” or “debit card” then display]Rewards
7. Speed
(q117_b)
In cases where you can’t use [insert response to q115_b, in bold] to make a bill payment, what
is your preferred fallback payment method?
****delete response to q115_b from the list below****
1. Cash
2. Check
3. Credit card
4. Debit card
5. Prepaid/Gift/EBT card
6. Bank account number payment
7. Online banking bill payment
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Version: June 7, 2016
8.
9.
10.
11.

Money order
Traveler’s check
Mobile phone payment
Other payment method

## New screen
(q118_b)
Bill payment preferences
Please tell us the most important characteristic of [insert response to q117_b, in bold] when
making a bill payment.
## use these fills for for q117_b, q118_b, q116_a, q117_a, q118_a, q116_c.
“cash”
“a check”
“a credit card”
“a debit card”
“a prepaid/gift/EBT card”
“a bank account number payment”
“an online banking bill payment”
“a money order”
“a traveler’s check”
“a mobile phone payment”
“another payment method”
## Use same randomization as q116_b
1. Security
2. Accepted at lots of places
3. Cost
4. Convenience
5. Budget control
6. [IF q117_b = “credit card” or “debit card” then display]Rewards
7. Speed

## New screen – in person payments section
(q115_a)
Purchases and other non-bill payments preferences
Please tell us the payment method you most prefer to use for making purchases and other
nonbill payments.
1. Cash
2. Check
3. Credit card
4. Debit card
5. Prepaid/Gift/EBT card
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Version: June 7, 2016
6.
7.
8.
9.
10.
11.

Bank account number payment
Online banking bill payment
Money order
Traveler’s check
Mobile phone payment
Other payment method

## New screen -- Q116_a and Q117_a on the same page****
(q116_a)
Purchases and other non-bill payments preferences
Please tell us the most important characteristic of [insert response to q115_a, in bold] when
making purchases and other nonbill payments.
## Use same randomization as q116_b
1. Security
2. Accepted at lots of places
3. Cost
4. Convenience
5. Budget control
6. [IF q115_a = “credit card” or “debit card” then display]Rewards
7. Speed
(q117_a)
In cases where you can’t use [insert response to q115_a, in bold] to make a purchase or other
nonbill payment, what is your preferred fallback payment method?
****delete response to q115_a from the list below****
1. Cash
2. Check
3. Credit card
4. Debit card
5. Prepaid/Gift/EBT card
6. Bank account number payment
7. Online banking bill payment
8. Money order
9. Traveler’s check
10. Mobile phone payment
11. Other payment method
## New screen
(q118_a)
Purchases and other non-bill payments preferences
Please tell us the most important characteristic of [insert response to q117_a, in bold] when
making a purchase or other nonbill payment.
## Use same randomization as q116_b
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Version: June 7, 2016
1.
2.
3.
4.
5.
6.
7.

Security
Accepted at lots of places
Cost
Convenience
Budget control
[IF q117_a = “credit card” or “debit card” then display]Rewards
Speed

## New screen
(q160)
In-person purchases preferences
Please tell us the payment method you most prefer to use for making in-person purchases,
depending on dollar value.

(q160_a)
Less than $10
(q160_b)
Between $10 and less than $25
(q160_c)
Between $25 and less than $50
(q160_d)
Between $50 and less than $100
(q160_e)
$100 or more

Payment method
[Drop down list for each row of table]
--Select one--1. Cash
2. Check
3. Credit card
4. Debit card
5. Prepaid/Gift/EBT card
6. Bank account number payment
7. Online banking bill payment
8. Money order
9. Traveler’s check
10. Mobile phone payment
11. Other payment method
## Variable names:
q160_pm_a
q160_pm_b
q160_pm_c
q160_pm_d
q160_pm_e

IF any of q160_pm_a—q160_pm_e = “Mobile phone payment” (option 10) OR
q115_a = “Mobile phone payment” or q115_b = “Mobile phone payment” or
q115_c = “Mobile phone payment” THEN
(q161)
What payment method is your mobile app funded with?
1. Credit card
2. Debit card
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Version: June 7, 2016
3.
4.
5.
6.
7.

Prepaid card
Bank account number
Apple Pay
PayPal
Other (specify)
a. [open ended text box]

ENDIF
## New screen – online payments section
(q115_c)
Online purchases preferences
Please tell us the payment method you most prefer to use for making online purchases (on the
Internet) to buy goods and services (not to pay bills). Examples include Amazon, Walmart.com,
etc.
1. Cash
2. Check
3. Credit card
4. Debit card
5. Prepaid/Gift/EBT card
6. Bank account number payment
7. Online banking bill payment
8. Money order
9. Traveler’s check
10. Mobile phone payment
11. Other payment method
## New screen
(q116_c)
Online purchases preferences
Please tell us the most important characteristic of [insert response to q115_c, in bold] when
making online purchases (on the Internet) to buy goods and services (not to pay bills). Examples
include Amazon, Walmart.com, etc.
## Use same randomization as q116_b
1. Security
2. Accepted at lots of places
3. Cost
4. Convenience
5. Budget control
6. [IF q115_c = “credit card” or “debit card” then display]Rewards
7. Speed

7) End of Day 0 thank you text
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Version: June 7, 2016
Thank you for answering our questions. Please log on tomorrow to enter your purchases or cash
activity, even if you have no activity tomorrow.
To get ready to enter your payment information tomorrow, [Day 1], please read the diary
instructions and watch the video (if you haven’t already).

8) Daily intro text/welcome back
IF diaryday = 1 THEN
Welcome to Day 1 of the 2015 Diary of Consumer Payment Choice. Thank you for
agreeing to tell us about your payments and cash activity.
ELSE IF diaryday > 1 THEN
Welcome back! Thank you for telling us about your payments and cash activity.
END IF
ALL diary days:
We understand that not everybody makes payments or has cash activity each day. We
are interested in all types of payment behavior, including days with zero payments or
cash activity. Please enter your information for today’s diary day.
Remember to include each transaction that you make. Only include a transaction once.
Do not enter transaction information twice.
Do not include transactions made in foreign countries or foreign currencies.
Day 1 only:
IF pa071_a = NO #pa071_a is from Day 0
(pa071_b)
Yesterday, you told us that you were not able to tell us your [FILL: IF dcpc_pa001_a > 1
then “primary”] checking account balance.
Please use one of the following methods to look up your [FILL: IF dcpc_pa001_a > 1 then
“primary”]checking account balance:
 Your bank’s online banking website
 Your bank’s mobile app
 Your bank’s telephone banking system
 Your check book balance
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Version: June 7, 2016

Are you able to tell us your balance for [DAY 0 DATE] today?
1. Yes
2. No
IF pa071_b = YES then
IF dcpc_pa001_a = 1 THEN
Please tell us the balance of your checking account for [DAY 0 DATE]. Please let us
know the time and date that you checked your balance.



Round to the nearest dollar
Please report the total balance of the checking account, even if jointly
owned

(pa072_a)
Balance of checking account $_______________ .00
(pa072_a_time)
Please tell us the time of this balance which you are reporting to us.
[clock widget]
(pa072_a_date)
Please tell us the date of this balance which you are reporting to us.
[calendar widget]

ELSE IF dcpc_pa001_a >= 2 THEN
Please tell us the balance of your primary checking account for [DAY 0 DATE].
Please let us know the time and date that you checked your balance.




Round to the nearest dollar
Please report the total balance of the checking account, even if jointly
owned
Your primary account is the account you use most often to make payments,
not necessarily the account with the most money in it.

(pa072_a)
Balance of primary account $_______________.00

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Version: June 7, 2016
(pa072_a_time)
Please tell us the time of this balance which you are reporting to us.
[clock widget]
(pa072_a_date)
Please tell us the date of this balance which you are reporting to us.
[calendar widget]
ENDIF ## dcpc_pa001_a
ELSE IF pa071_b = NO then
Are you able to tell us your checking account balance for [DAY 1 DATE]?
1. Yes
2. No
IF YES THEN
Please tell us the balance of your checking account for [DAY 1 DATE]. Please let us
know the time and date that you checked your balance.



Round to the nearest dollar
Please report the total balance of the checking account, even if jointly
owned

(pa072_a)
Balance of checking account $_______________ .00
(pa072_a_time)
Please tell us the time of this balance which you are reporting to us.
[clock widget]
(pa072_a_date)
Please tell us the date of this balance which you are reporting to us.
[calendar widget]
IF NO THEN
It is important for us to get an accurate measure of your checking account
balance. We will ask again on the third evening of your diary. Thank you.
ENDIF
ENDIF #pa071_b

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Version: June 7, 2016

9) Purchases module
(q199)
Your [FILL:IF Diary Day = 1 THEN “first”/ IF Diary Day = 2 THEN “second”/ IF Diary Day = 3 THEN “third”]
diary day is [DISPLAY DIARY DATE HERE, example “Wednesday, October 3”]. Are you recording and
reporting your payments and transactions for your assigned date, or are you reporting for a different
date?
 For example, you were assigned October 3-5 but instead when you reported your payments for
Day 3 you reported for October 6.
1. Yes, I am reporting for my assigned diary date, [DAY 1 DATE].
2. No, I am reporting for another date.
IF q199 = NO then
Please explain why you participated on another day.
[open ended text box]

Tell us the date you are reporting for
[smaller calendar widget]
ENDIF
(q98)
Did you make any PAYMENTS on [DISPLAY DIARY DATE HERE, example: Wednesday, October
3]?
1. Yes
2. No
If q98 = NO then:
***ask Q98a for each day the respondent says they have no
purchases***
(q98a)
It’s OK if you didn’t make any payments today.
Please tell us the reason that best describes why you didn’t make any payments on [DISPLAY
DIARY DATE HERE, example “Wednesday, October 3”].
1.
2.
3.
4.

I didn’t need to make any payments today.
I was too busy to make payments today.
I’m trying to spend less.
Other (specify)
4other. _____________

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Version: June 7, 2016

ENDIF
If q98 = YES then:
(q2)
Daily payments – Please enter the information for [DISPLAY DIARY DATE HERE, example
“Wednesday, October 3”].






Report the exact amount of the payment. Include dollars and cents in the form xxx.xx.
Include all payments made today.
Complete the entire row for the first payment you want to enter for today, then click
Next.
Answer some additional questions about your payment, then answer “Yes” if you made
any additional payments, and a new row will appear on this screen.
When you have finished entering all payments for today, please answer “No” when we
ask if you made any additional payments.
****make these instructions bulletpointed and italicized****
**** This table and pay001_N are going to appear on the same screen. The question
pay001_N is where the respondent will describe the merchant type.****

Time

Amount
Spent

Payment method

[use time
entry
widget]

$_____

Drop down list:
P0 – Multiple payment
methods
P1 – Cash
P2 – Check
P3 – Credit card
P4 – Debit card
P5 – Prepaid/Gift/EBT card
P6 – Bank account number
payment
P7 – Online banking bill
payment
P8 – Money order
P9 – Traveler’s check
P10 – PayPal
P11 – Account-to-account
transfer
P12 – Mobile phone payment
P13 – Other payment method

Did you
pay in
person?
Yes
No

Device

Drop down list:
D1 – Computer
(laptop or desktop)
D2 – Tablet (e.g.
iPad, Kindle)
D3 – Mobile phone
D4 – Landline phone
D5 – Mail or delivery
service
D6 – No
device/None of the
above

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## Create a variable amntcashpurch = Sum(Amount spent where payment method = 1).
In other words, the total amount of cash spent on that day. If there are no cash
payments on that day, then amntcashpurch = 0.
## Create a variable numcashpurch = Number of cash payments on that day. If there are
no cash payments on that day, then numcashpurch = 0.
## if we use three boxes to enter the time, name the variables:
 paytime_h_N, where N is the number of the payment (1 = first payment of the
day, 2 = second, etc.)
 paytime_m_N
 paytime_ampm_N
## Amount spent variable should be called:
 payamnt_N, where N is the number of the payment (1 = first payment of the
day, 2 = second, etc.)
## Payment method variable names:
 paymethod_N, where N is the number of the payment (1 = first payment of the
day, 2 = second, etc.)
## Payment location variable names:
 paylocation_N, where N is the number of the payment (1 = first payment of the
day, 2 = second, etc.)
## Payment device variable names:
 paydevice_N, where N is the number of the payment (1 = first payment of the
day, 2 = second, etc.)
## Payment merchant variable names: -- see next section below.
 pay001_N, where N is the number of the payment (1 = first payment of the day,
2 = second, etc.)
 All the variable names listed below in the “Merchant categorization and
consumption module” will have the suffix “_N” where N is the number of the
payment (1 = first payment of the day, 2 = second, etc.)
(pay003_N)
## Error Check
The details of this payment are listed below. If anything looks off, please let us know.
***show payment details***
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Version: June 7, 2016
Is everything correct?
1. Yes
2. No

****If the response to pay003 is NO, then display a new screen with
the payments entry correction page. If YES, display a new
payments entry page for the next payment
PROGRAMMER: If the above instruction is not clear, please ask Kevin
for more information
****

a) Merchant categorization and consumption module
## PROGRAMMER – This item PAY001_N goes directly below the payments table above. It’s on
the same screen as Daily purchases of goods and services.
(pay001_N)
What type of merchant, service provider, or person did you pay?
## Selectable list:
Financial services provider
Examples: banks, credit card companies, insurance companies, mortgage companies, mutual funds, brokerages

Education provider
Examples: schools, colleges, childcare

Medical care provider
Examples: hospital, doctor, dentist, physical therapy

Government
Examples: federal/state/local taxes, fees, fines, licenses, utilities

Nonprofit/charity
Examples: churches, temples, mosques, United Way, Community Chest, American Cancer Society, Red Cross

A person (not a business, government, or organization as far as I know)
Examples: friends, family, co-workers, other people.

Retail store or online retailer; restaurants and gas stations
Includes retail stores; grocery stores; gas stations; restaurants and fast food stores; Amazon.com

Business that sells primarily services
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Version: June 7, 2016
Examples: utilities, repair services, communications, entertainment, personal services, other businesses that sell goods or services

Other

## new screen – this first follow up question pay002_N is
asked for almost all payments (exception = pay001_N = “Retail
store or online retailer, restaurants and gas stations”)
IF pay001_N does not equal “Retail store or online retailer; restaurants and gas
stations” THEN:
(pay002_N)
Please describe this payment:
1. Not a bill payment
2. Regularly recurring bill payment
3. One time bill payment
4. Recurring bill payment with irregular frequency
5. Other (specify)
o [open ended text box]
IF pay002_N = “regularly recurring bill payment” THEN
(pay002b_N)
How often is this bill due?
1. Weekly
2. Bi-weekly
3. Twice a month
4. Monthly
5. Every other month
6. Quarterly
7. Every six months
8. Yearly
9. Other (specify)
a. [open ended text box]
IF pay002_N = “recurring bill payment with irregular
frequency” THEN
(pay002c_N)
About how many times per year do you pay this bill?
__________ times per year
ENDIF

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Version: June 7, 2016
IF pay002_N = “Regularly recurring bill payment” OR “One time bill payment” OR
“Recurring bill payment with irregular frequency” THEN
(pay002d_N)
Was this bill payment for goods or services that were received previously or for goods
and services that you will receive in the future?



An example of a good or services which was received previously is medical care
(you receive medical care and then pay after).
An example of a good or services which will be received in the future is a
magazine subscription (you pay now and receive the newspaper after payment).

1. Previously received goods or services
2. Goods or services to be received in the future

IF pay002_N = “Regularly recurring bill payment” OR “Recurring bill payment with
irregular frequency” THEN
(pay002e_N)
Do you pay the same amount each time you pay this bill, or does the payment amount
change from bill to bill?
1. Same amount each bill
2. Amount changes from bill to bill

If pay001_N = “Financial services provider” (option 1)
## new screen – pay010_N
(pay010_N)
Please tell us the purpose of your payment to a financial services provider. Was it
primarily to:
1. Pay a credit card bill
2. Make another loan payment (Examples: mortgage, student loan, auto, home equity, installment,
3.
4.
5.
6.
7.

“zero interest,” “no-money-down”)
Pay for insurance (Examples: health, auto, homeowner’s, renter’s, life, umbrella)
Pay a fee (Examples: checking account, foreign ATM, overdraft, late payment, loan origination)

Transfer money to another account that you own
Make an investment (bought stocks, bonds, mutual funds)
Other (specify)

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prior written consent of the Federal Reserve Bank of Boston.

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o

[open ended text box]

### Important routing note
Here is where the “trail” of questions ends for “Financial services provider”. Instead of going
back to the payments screen, by way of the screen “Did you make any other purchases today
[Diary date]?” the survey should continue on and ask the Payment Instrument Follow-up
Questions, which begin down below with question q108_a. Then after those questions have
been answered, the respondent should see the screen “Did you make any other purchases
today [Diary date]?” This should be the case for all the merchant categories from the payment
entry screen. We always want to see the Payment instrument follow-ups before we get to the
next payment.
If pay001_N = “Education provider” (option 2)
## new screen – pay020_N
(pay020_N)
Please tell us the purpose of your payment to an education provider. Was it primarily
for:
1. Tuition or fees
2. Parking
3. Repay student loan
4. Donation
5. Childcare
6. Other (specify)
o [open ended text box]
If pay001_N = “Medical care provider” (option 3)
## same screen – pay030_N and pay031_N
(pay030_N)
Please tell us the purpose of your payment to a medical care provider. Was it primarily
for a:
1.
2.
3.
4.
5.
6.
7.

Doctor, dentist, other health care professional
Hospital, residential care, other medical institution
Pharmacy
Insurance company
Parking
Charitable donation
Other (specify)
o [open ended text box]

©2010–2015 Federal Reserve Bank of Boston. Proprietary and Confidential. Do not release or disclose to unauthorized parties without the
prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016

IF pay002d_N not equal to (1,2) then

(pay031_N)
Was this payment made for medical care goods or services that you received prior to
today?
1. Yes
2. No
## new screen
If pay031_N = YES:
(pay032_N)
When did you receive the goods or services?
1. Within the last month
2. Between 3 months and 1 month ago
3. Between 1 year and 3 months ago
4. Longer than 1 year ago

End if

If pa001_N = “Government” (option 4)
## new screen - pay040_N
(pay040_N)
Please tell us the purpose of your payment to a government. Was it primarily for:
1. Purchases of goods and services (Examples: local utilities and other services (like trash
collection), public transportation, entrance to National Parks, municipal parking.)

2.
3.
4.
5.

Repay student or other government loan
Taxes or fines (Examples: Federal , state, local taxes, including property and excise taxes.)
Donations
Other (specify)

IF pay040_N = “purchase of goods and services” THEN
(pay041_N)
Please tell us what you paid for.
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Version: June 7, 2016
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.

Electricity/ water/sewer
Tuition
Daycare
Parking
Tolls
Trash collection
Public transportation
Health insurance: out-of-pocket, including Medicare supplemental insurance
Childcare
Used goods
Other (specify)
o [open ended text box]

If pay001_N = “Nonprofit/charity” (option 5)
## new screen – pay050_N
(pay050_N)
Please tell us the purpose of your payment to a nonprofit or charity. Did you:
1. Make a donation.
2. Purchase goods and services.
3. Other (specify)
o [open ended text box]
If pay001_N = “A person” (option 6)
## same screen – pay080_N, pay081_N
(pay080_N)
Please tell us about the person you paid.
What type of person did you pay?
1. People who provide goods and services
2. Friends or family
3. Co-worker, classmate, or fellow military
4. Other people (specify; no names please)
o [open ended text box]
(pay082_N)
Please tell us the purpose of your payment.
1. To give a gift or allowance
2. To lend money
3. To repay money I borrowed (a loan)
4. To purchase goods or pay for services
5. To pay alimony or child support
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Version: June 7, 2016
6. Other (specify)
o [open ended text box]
If pay080_N = “People who provide goods and services”
(pay081_N)
To the best of your knowledge, does the person operate as a business?
1. Yes
2. No
3. I don’t know

If pay001_N = “Other (specify)” (option 9)
(pay090_N)
Please choose from this list to describe the type of merchant, service provider, or
person you paid.
****pick up Merchant type entry format from 2012 Diary with refinements:
Retailer type

Food and beverage sellers

Retail stores & online
retailers

1.
2.
3.
4.
5.
6.
8.
9.
10.
11.
12.
13.
14.

Grocery stores
Fast food, food service, food trucks, snack bars
Sit-down restaurants
Bars
Liquor stores
Vending machines
Convenience stores
Pharmacies
Department and discount stores and websites,
wholesale clubs and websites
Online shopping (Amazon.com, etc.)
Clothing and accessories stores
Other stores (book, florist, hobby, music, office
supply, pet, sporting goods)
Furniture & home goods stores, appliance &
electronics stores, hardware & garden stores

Transportation

15.
16.
17.
18.

Gas stations
Parking lots and garages
Tolls
Transportation (includes public transportation)

Entertainment

19. Entertainment, recreation, arts, museums

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prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016
20. Movie theaters
21. Online and print news, online games
22. Hotels, motels, RV parks, camps
Housing

23. Rent, real estate agents and brokers
24. Building contractors (electrical/plumbing/ HVAC, tile,
painting, etc.)
25. Building services

Utilities

26.
27.
28.
29.

Personal Services

30. Child care, elder care, youth and family services, emergency
and other relief services
31. Personal care, dry cleaning, photo processing, funeral
services
32. Veterinarians
33. Pet grooming and sitting
34. Auto maintenance and repair services
35. Auto rental and leasing services
36. Auto vehicle and parts dealers

Pets
Auto and Vehicle Services

Professional and
Miscellaneous
Services

Electric, natural gas, water and sewage
Phone/internet (wired/wireless/satellite)
Heating oil dealers, propane dealers
Trash collection

37. Employment services, travel agents, security services, office
administrative services
38. Legal, accounting, architectural, and other professional
services
39. Mail, delivery, storage
40. Rental centers
41. Repair/maintenance of electronics and personal and
household goods

If you are not able to make a selection above, please type the name of the business you paid.
You do not need to choose an option listed in the text box. If the business of your choice is
not showing up, just keep typing.
****Lookup widget here****
If pay001_N = “Retail store or online retailer; restaurants
and gas stations” (option 7)
## new screen – pay600_N
(pay600_N)
Please tell us more about the store, online retailer, restaurant, or gas station.
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prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016
Did you pay a…
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.

Grocery store
Gas station
Convenience store
Pharmacy
Liquor store
Fast food restaurant, food service, food truck, snack bar
Sit-down restaurant
Bar
Other store or online retailer
Other business (specify)
o [open ended text box]

If pay600_N = “Other store or online retailer”
(pay601_N)
Please select the store or online retailer you paid from this list, or choose “Merchant I paid is
not on the list” at the bottom of the screen.
****Provide Merchant radio button list here. These are the top 313 Merchants from Kantar
retail****
Radio button page of Kantar 313 list
****If R selects a payee on the list, determine merchant category and serve follow-up based
on category ****

****If pay601_N = “Not on the Kantar list” OR if pay600 =
“Other business (specify)” ****
**pay602_N and pay603_N on the same screen
(pay602_N)
Please tell us the type of store or online retailer you paid.
1.
2.
3.
4.

Auto rental and leasing stores
Auto vehicle and parts dealers and websites
Clothing and accessories stores and websites
Department and discount stores and websites, wholesale clubs and websites

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Version: June 7, 2016
5. Furniture & home goods stores, appliance & electronics stores, hardware & garden
stores and websites
6. Mail, delivery, storage
7. Rental centers
8. Movie theaters
9. Online shopping (Amazon.com, etc.)
10. Online and print news, online games
11. Other stores (book, florist, hobby, music, office supply, pet, sporting goods) and
websites
12. Personal care, dry cleaning, pet grooming and sitting, photo processing salons and
stores
13. Stores that repair electronics and personal and household goods
14. Other store or website/I don’t know (specify)
o [open ended text box]

****Provide lookup widget here****
(pay603_N)
Please type the name of the store or online retailer you paid. You may type the full name or
choose from the drop-down list that will appear when you start typing.
You do not need to choose an option listed in the text box. If the store or online retailer of
your choice is not showing up, just keep typing.
Merchant category followups
If pay600_N = “Gas station” (option 2) then
(pay604_N)
Did the gas station have a convenience or fast food store?
1. Yes
2. No
If pay604_N = YES
(pay605_N)
Please tell us about your payment. Did you pay for:
1. Gas only
2. Convenience store item(s) or fast food only
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41

Version: June 7, 2016
3. Gas and convenience store item(s) or fast food in 1 payment
4. Gas and convenience store item(s)or fast food in 2 or more payments

If pay600_N = “Convenience store” (option 3)
(pay606_N)
Did convenience store sell gas?
1. Yes
2. No

If pay606_N = YES
(pay607_N)
Please tell us about your payment. Did you pay for:
1.
2.
3.
4.

Gas only
Convenience store item(s) or fast food only
Gas and convenience store item(s) or fast food in 1 payment
Gas and convenience store item(s)or fast food in 2 or more payments

IF pay605_N = 4 or pay607_N = 4 THEN
****If R reports 2 or more payments, ask R to enter each
payment separately. Deliver partially complete payment entry
screen, as for bills, i.e.
Gas station or convenience store payments – Please enter the information for [DISPLAY
DIARY DATE HERE, example “Wednesday, October 3”].
 Complete the entire row for each payment at the gas station.
## INSTRUCTIONS TO PROGRAMMER: Show 2 rows of our payments table. The “Payment type”
column should have the gas station purchase types displayed. Standard Payment Instrument
followups apply for each transaction.
Payment
type
Gas station
purchase

Time

Amount

Payment method
Drop down list:
P0 – Multiple

Did you pay Device
in person?
Yes
No

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prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016
payment methods
P1 – Cash
P2 – Check
P3 – Credit card
P4 – Debit card
P5 – Prepaid/Gift/EBT
card
P6 – Bank account
number payment
P7 – Online banking
bill payment
P8 – Money order
P9 – Traveler’s check
P10 – PayPal
P11 – Account-toaccount transfer
P12 – Mobile phone
payment
P13 – Other payment
method
Convenience
store/fast
food
purchase

Yes
No

## VARIABLE NAMES





Time
o gaspaytime_N, where N = 1 or 2, the row of the table
Amount
o gaspayamnt_N, where N = 1 or 2, the row of the table
Payment method
o gaspaymethod_N, where N = 1 or 2, the row of the table
Payment device
o gaspaydevice_N, where N = 1 or 2, the row of the table

If pay602_N = (2, 3, 4, 5, 11) and payment method not equal to
“credit card” THEN
## in other words, “Auto vehicle and parts dealers” OR “clothing and accessories stores”
OR “Department and discount stores and websites, wholesale clubs and websites” OR
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Version: June 7, 2016
“Other stores (book, …)” OR “Furniture & home goods stores, appliance & electronics
stores, hardware & garden stores” AND Payment method not equal to “credit card”
THEN
(pay606a_N)
Did you pay a store charge or credit card bill during this payment at a retail store or
website?
1. Yes
2. No
If pay606a_N = YES then
(pay607a_N)
Did you pay the full amount of the bill, or less than the full amount?
1. Full amount
2. Less than the full amount
## New screen – next three questions (q_ccbill_fu1_N, q_ccbill_fu2_N, q_ccbill_fu3_N) on
the same screen.
IF pay607a_N = 2 then
(q_ccbill_fu1_N)
How much was the full amount of the credit or charge card bill?


$_____________

(q_ccbill_fu2_N)
Did you have enough money in your checking or savings account to pay the full amount
of the credit or charge card bill?
1. Yes
2. No
(q_ccbill_fu3_N)
Why did you choose not to pay the full amount of the credit or charge card bill?
[open ended response box]

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prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016
If pay602_N = (2, 3, 4, 5, 11) and payment_N >= 200 THEN
(pay608_N)
Was your payment primarily for:
1. Any of the following:
 Cars, trucks, motorcycles, other motor vehicles and parts
 Furniture and furnishings
 Household appliances
 Computers, cameras, TVs, other electronics
 Sports equipment, sports and recreational vehicles, and boats
 Jewelry and watches
 Therapeutic appliances and equipment
2. None of the above

If pay608_N = 1 and payment method not equal to “credit card”
## same screen – pay611_N and pay612_N
(pay612_N)
Did you borrow money to make this purchase?
1. Yes
2. No
IF SCPC variable DE013 = YES
## in other words, does the respondent own their primary home. This question is from
the SCPC.
(pay611_N)
Did you use funds from a home equity line of credit (HELOC) to make this purchase?
1. Yes
2. No
END IF (de013 = YES)
END IF

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prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016
If Merchant Name = 7-11, Circle K, Costco, WalMart, Safeway,
BJs, Kroger, OR Sam’s Club AND pay608_N = 2
Was your payment primarily for:
1.
2.
3.
4.

Insurance or financial services
Gas
Fast food, snack bar, restaurant
None of the above

If pay001_N = “Business that sells primarily services” (option 8)
(pay700_N)
Please tell us the type of business you paid.
Housing

Utilities

Auto
Travel and Transportation

Entertainment
Personal services

Pets
Other

1. Rent, real estate agents and brokers
2. Mortgage
3. Building contractors (electrical/plumbing/ HVAC, tile,
painting, etc.)
4. Building services
5. Phone/internet (wired/wireless/satellite)
6. Electric, natural gas, water and sewage
7. Heating oil dealers, propane dealers
8. Trash collection
9. Auto maintenance and repair service
10. Auto rental and leasing service
11. Parking lots and garages
12. Tolls
13. Transportation (includes public transportation)
14. Hotels, motels, RV parks, camps
15. Entertainment, recreation, arts, museums
16. Movie theaters
17. Elder care, youth and family services, emergency and other
relief services
18. Personal care, dry cleaning, photo processing
19. Funeral services
20. Employment services, travel agents, security services, office
administrative services
21. Legal, accounting, architectural, and other professional
services
22. Veterinarians
23. Pet grooming and sitting
24. Repair/maintenance services for electronics and personal

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prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016
and household goods
25. Vending machines
26. Other/I don’t know (specify)
## New screen – pay701_N
IF pay002_N not equal to “Regularly recurring bill payment” OR “One
time bill payment” OR “Recurring bill payment with irregular
frequency” THEN
(pay701_N)
Was this payment made for goods or services that you received prior to today?
1. Yes
2. No
If pay701_N = YES
(pay702_N)
When did you order or receive the goods or services?
1. Within the last month
2. Between 3 months and 1 month ago
3. Between 1 year and 3 months ago
4. Longer than 1 year ago
ENDIF

****NEW screen. Provide LOOKUP WIDGET here****
Please type the name of the business you paid. You do not need to choose an option listed in the
text box. If the store or online retailer of your choice is not showing up, just keep typing.
****lookup widget here****

b) Payment instrument follow-ups
IF payment method = anything but “multiple payment methods”
(q108_a)
In choosing to use [FILL: paymethod_N: Cash, Credit, etc.], which characteristic was
most important?
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Version: June 7, 2016
***Randomize response options****
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.

Merchant acceptance
Cost
Payment records
Speed
Security
Convenience
Getting and setting-up
Budgeting
[IF paymethod_N = “credit card” or “debit card” then display] Rewards
Other (specify)
o [open ended text box]

IF q108_a = 4 (“speed”)
(q108_b)
Which aspect of speed was most important in choosing to use [FILL: paymethod_N:
Cash, Credit, etc.]?
***Randomize response options****
1. Speed at time of payment
2. Speed of payment deduction from your bank account or prepaid card
3. Speed of recipient receiving payment
4. Speed of notification of new balance of your account
IF q108_a = 5 (“security”)
(q108_c)
Which aspect of security was most important in choosing to use [FILL: paymethod_N:
Cash, Credit, etc.]?
***Randomize response options****
1. Security of your personal information (name, address, Social Security number, birthdate, etc.)
2. Security against permanent financial loss
3. Security of information about the transaction (what was paid for, amount, where you
shopped)

IF payment method paymethod_N not equal to (“cash”) then:

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prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016
IF payment is [not a bill (pay002_N = 1) or pay001_N = “Retail
store or online retailer; restaurants and gas stations” (option
7)] and paylocation_N = “IN PERSON”
## both q103f and q103g on the same screen
(q103f)
Did you have enough cash (coins and paper bills) to make this payment in cash?
1. Yes
2. No
3. I’m not sure, but I think so
4. I’m not sure, but I do not think so
(q103g)
Would the merchant have accepted cash for this payment?
1. Yes
2. No
3. I’m not sure, but I think so
4. I’m not sure, but I do not think so
ENDIF
ENDIF
IF payment is not a bill (pay002_N = 1) or pay001_N = “Retail store or
online retailer; restaurants and gas stations” (option 7)
If paymethod_N does not equal pa115_a THEN
(q103b)
Why did you use [FILL: paymethod_N] for this transaction?”
1.
2.
3.
4.
5.
6.
7.
8.
9.

[FILL: response from q115_a] was not accepted
I didn’t have [FILL: response from q115_a] with me
Speed of payment was important for this transaction
Security of the transaction was important
I received a discount for using [FILL: paymethod_N]
I would have paid a surcharge if I used [FILL: response from q115_a]
For this size transaction, I prefer to use [FILL: paymethod_N]
For this type of merchant I prefer to use [FILL: paymethod_N]
Other (specify)
 [open ended text box]

ENDIF

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prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016
ELSE IF payment is a bill (we are in the BILL section OR pay002_N =
(2, 3, 4))
If paymethod_N does not equal pa115_b THEN
(q103h)
Why did you use [FILL: paymethod_N] for this transaction?”
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.

[FILL: response from q115_b] was not accepted
I didn’t have [FILL: response from q115_b] with me
I did not have enough money available to use [FILL: response from q115_b]
The payment would have been late if I used [FILL: response from q115_b]
[FILL: paymethod_N] is more secure than [FILL: response from q115_b]
I received a discount for using [FILL: paymethod_N]
I would have paid a surcharge if I used [FILL: response from q115_b]
For this size transaction, I prefer to use [FILL: paymethod_N]
For this type of bill I prefer to use [FILL: paymethod_N]
Other (specify)
 [open ended text box]

ENDIF
ENDIF
If Payment Method = P0 (Multiple payment methods) then:
(q103a)
Please tell us which payment methods you used to make this payment.
 Check all that apply














P1 – Cash
P2 – Check
P3 – Credit card
P4 – Debit card
P5 – Prepaid/Gift/EBT card
P6 – Bank account number payment
P7 – Online banking bill payment
P8 – Money order
P9 – Traveler’s check
P10 – PayPal
P11 – Account-to-account transfer
P12 – Mobile phone payment
P13 – Other payment method

## New screen – each q125 question on the same screen, and q126 on same screen too
(q126)
Why did you use multiple payment methods to make this payment?
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Version: June 7, 2016
[open ended text box]
If one of the payment methods = “Cash”
(q125_a)
How much cash did you spend when making this payment?
$___________
If one of the payment methods = “Check”
(q125_b)
How much did you spend using a check when making this payment?
$___________
If one of the payment methods = “Credit card”
(q125_c)
How much did you spend using your credit card when making this payment?
$___________
If one of the payment methods = “Debit card”
(q125_d)
How much did you spend using your debit card when making this payment?
$___________
If one of the payment methods = “Prepaid/gift/EBT card”
(q125_e)
How much did you spend using your prepaid/gift/EBT card when making this payment?
$___________
If one of the payment methods = “Bank account number payment”
(q125_f)
How much did you spend using your bank account number when making this payment?
$___________
If one of the payment methods = “Online banking bill payment”
(q125_g)
How much did you spend using online banking bill payment when making this payment?
$___________
If one of the payment methods = “Money order”
(q125_h)
How much did you spend using a money order when making this payment?
$___________
If one of the payment methods = “Travelers check”
(q125_i)
How much did you spend using a traveler’s check when making this payment?
$___________
If one of the payment methods = “PayPal”
(q125_j)
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Version: June 7, 2016
How much did you spend using PayPal when making this payment?
$___________
If one of the payment methods = “Account-to-account transfer”
(q125_k)
How much did you spend using an account-to-account transfer when making this payment?
$___________
If one of the payment methods = “Mobile phone payment”
(q125_l)
How much did you spend using a mobile phone payment when making this payment?
$___________
If one of the payment methods = “Other payment method”
(q125_m)
How much did you spend using an other payment method when making this payment?
$___________

If Payment Method = P1 (Cash) then:
## same screen for q101a, q101j

If pay001_N not equal to “A person” (option 6) THEN
(q101aaa)
Did you receive a discount from the merchant specifically for using cash?
1. Yes
2. No
(q101j)
Did this merchant accept any of the following types of card payment options?
 Credit card
 Debit card
 Prepaid card
1. Yes
2. No
3. I don’t know
IF q101j = YES:
(q101k)
Did this merchant require a minimum dollar value for using a payment card?
1. Yes
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2. No
3. I don’t know
ENDIF
If Payment Method = P2 CHECK then:
IF dcpc_pa001_a >= 2 THEN
(q103d)
Was this payment made from your primary checking account or another checking account?
 Your primary account is the account you use most often to make payments, not
necessarily the account with the most money in it.
1. Primary checking account
2. Another checking account

If Payment Method = P4 (Debit) then:
## same screen for q101c and q101b and q101d
(q101c)
How did you authorize your debit card payment?
1. PIN
2. Signature
3. CVC/CVV code (the 3–digit numeric code on the back of a Visa, MasterCard, and Discover, or 4
digits on the front of an American Express)
4. None of these
5. Some combination of two of these
6. Other (specify)
a. [open ended text box]
(q101b)
Did your debit card have a Visa or MasterCard logo on it?
1. Yes, Visa
2. Yes, MasterCard
3. No logo
(q101d)
Did you receive a discount from the merchant specifically for using this debit card?
1. Yes
2. No
## same screen for q101m and q103d and q103i
(q101m)
Did this merchant require a minimum dollar value for using a debit card?
1. Yes
2. No
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3. I don’t know
IF dcpc_pa001_a >= 2 THEN
(q103ddd)
Was this payment made from your primary checking account or another checking account?
 Your primary account is the account you use most often to make payments, not necessarily the
account with the most money in it.
1. Primary checking account
2. Another checking account
(q103i)
Did the debit card you used for this payment give rewards?
1. Yes
2. No
3. I don’t know

If Payment Method = P3 (Credit) then:
## same screen for q101e and q101p
(Q101e)
Which type of credit card?
1. Visa
2. MasterCard
3. Discover
4. Company or store branded credit cards
5. American Express charge card
6. American Express credit card
7. Diners Club or other charge cards
8. Other (specify)
a. [Open ended text box]
(Q101p)
Did the credit card you used for this payment give rewards?
1. Yes
2. No
## same screen q101f and q101g and q101n
(q101f)
Did you receive a discount from the merchant specifically for using this credit card?
1. Yes
2. No
(q101g)
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Did you pay an extra charge, surcharge, or convenience fee to the merchant specifically for using this
credit card?
1. Yes
2. No
(q101n)
Did this merchant require a minimum dollar value for using a credit card?
1. Yes
2. No
3. I don’t know
###New question for payment instrument follow-up = Credit card
(q103c)
Did this card have an unpaid balance after you paid last month’s bill?
1. Yes
2. No
If Payment Method = P5 (Prepaid/gift/EBT) then:
## Same screen q101h and q103u and gprprepaid_1or2
(q101hhh)
Did the prepaid card have a logo from the following?
1. Visa
2. MasterCard
3. Discover
4. American Express
5. No logo
6. Other logo
(q103u)
Did this merchant require a minimum dollar value for using a prepaid card?
1. Yes
2. No
3. I don’t know
IF dcpc_pa001_a = 0 and dcpc_gpradopter = 1 and (q_mostusedpayacnt_1 =
General purpose prepaid card or q_mostusedpayacnt_2 = General purpose
prepaid card)
(gprprepaid_1or2)
Did you use your primary general purpose reloadable prepaid card to make this payment?
 Your primary general purpose prepaid card is the one you use most often to make payments.
1. Yes
2. No

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If Payment Method = “Bank account number payment” then:
## same screen q103n and q103ddd
(q103n)
When did you authorize this payment to pay? In other words, when will the funds come out of your
account?
1. Today, [DISPLAY DIARY DATE]
2. At a later date
IF dcpc_pa001_a >= 2 THEN
(q103ddd)
Was this payment made from your primary checking account or another checking account?
 Your primary account is the account you use most often to make payments, not necessarily the
account with the most money in it.
1. Primary checking account
2. Another checking account
If Payment Method = “Online banking bill payment” then:
## same screen q103n and q103ddd
(q103n)
When did you authorize this payment to pay? In other words, when will the funds come out of your
account?
1. Today, [DISPLAY DIARY DATE]
2. At a later date
IF dcpc_pa001_a >= 2 THEN
(q103ddd)
Was this payment made from your primary checking account or another checking account?
 Your primary account is the account you use most often to make payments, not necessarily the
account with the most money in it.
1. Primary checking account
2. Another checking account
If Payment Method = “Money order” then:
## same screen q103r and q103s
(q103r)
Where did you buy the money order you used for this payment?
1. Bank
2. Post office
3. Western Union or someplace similar
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4. Other (specify)
a. [open ended text box]
(q103s)
How long ago did you buy the money order you used for this payment?
1. I bought it today
2. Between today and less than 7 days ago
3. Between 7 and less than 14 days ago
4. Between 14 and less than 30 days ago
5. 30 or more days ago
If Payment Method = “PayPal” then:
(q101_paypal)
How is your PayPal account funded?
1. Credit card
2. Debit card
3. Bank account number
4. Money stored with PayPal
If Payment Method = “Mobile phone payment” then:
## questions q101_mobile_a and q101_mobile_b on the same screen
(q101_mobile_a)
What kind of mobile payment was this payment?
1. App payment
2. Text message payment
3. Payment made in browser
4. Other (specify)
a. [open ended text box]
(q101_mobile_b)
How was this mobile payment funded?
1. Credit card
2. Debit card
3. Prepaid card
4. Linked bank account
5. Money stored at a payment service such as PayPal
6. Other (specify)
a. [open ended text box]

If Payment Method = “Other” then:
(q101i)
Please tell us what type of payment method you used.
1. EZPass or other electronic toll device
2. Apple Pay
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3. Bitcoin or other virtual currency
4. Remittance
5. Other (specify)
a. [open ended text box]
IF q101i = 1, 2, 4 then
(q101i_followup)
What payment method is your [FILL: response from q101i] account funded with?
1. Credit card
2. Debit card
3. Prepaid card
4. Bank account number
5. Other (specify)
a. [open ended text box]
If location = L1 “in person” and Device = D3 “mobile phone” then:
(q150)
How did you use your phone to pay?
1. Tapped to pay
2. Scanned a QR code or showed screen to cashier or ticket-taker
3. Paid in advance or remotely (examples: Uber, Fandango)
4. Used a web browser
If Payment Method any of (“credit card”, “debit card”, “prepaid card”,
“bank account number payment”, “mobile phone payment”) AND Device = D3
“mobile phone” then:
(q152)
Did you use an app to make this purchase using your mobile phone?
## Randomize list of response options. Keep option one and the last option in the same fixed positions.
1. Yes
2. No

c) “Categorize the purchase” sub-module
## q151_a and q151_b on the same screen
(IF Amount Spent > = 200)
(q151_a)
Was this an unexpected expense?
1. Yes
2. No
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(q151_b)
Could you have postponed this payment to a later date without suffering any
consequences such as a late fee or a penalty?
1. Yes
2. No
## Here is where we loop back to the payment screen (q2). At this point, the respondent has
described one full payment. If they have more payments, then they will loop back to the q2
screen. If they don’t have any more payments, then they will go on to the next question.
Did you make any other payments today [DISPLAY DIARY DATE HERE, example: Wednesday,
October 3]?
1. Yes
2. No

d) Reminders and recall aids – median 9 seconds
(q98b)
Some types of payments are easily forgotten. Did you make any of the following types of payments on
[DISPLAY DIARY DATE HERE, example “Wednesday, October 3”] that you did not tell us about
previously?
 Check all that apply










Paying tolls by E-ZPass, cash, or other payment method
PayPal or similar online payment service
App downloads
Public transportation
Paid with my phone (examples: Uber, Venmo, parking, etc.)
Gambling losses
Lottery ticket
Vending machine
Giving or paying back money to a person

## same screen for both q5_1 and q5_2
(Q5_1)
Did you start [DISPLAY DIARY DATE HERE, example “Wednesday, October 3”] carrying any coins in your
pocket, wallet, or purse?
1. Yes
2. No
(Q5_2)
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Did you use coins to pay for all or part of a cash payment you made on [DISPLAY DIARY DATE HERE,
example “Wednesday, October 3”]?
1. Yes
2. No
If Q5_2 = Yes and number of cash payments > 0
## same screen for q5_3 and q5_3_dollar
(Q5_3)
You told us you made [number of cash payments from purchases and bills] cash
payments on [DISPLAY DIARY DATE HERE, example “Wednesday, October 3”].
For how many cash payments did you use coins to pay for some or all of the payment?
___________payments
(q5_3_dollar)
What was the total dollar amount of the coins you used for payments today?
$___________
End skip (Q5_2 = Yes)

10) End of day balances on Cash, Checking account, and prepaid cards
## Ask for end of day cash balances in the Daily Module. Ask for checking account balances
at the end of the diary in the Day 3 Only Module. Ask for general purpose prepaid card
balances at the end of the diary in the Day 3 Only Module.

a) Cash
## Now we’re going to ask cash balance on Day 0 and at the end of Days 1, 2, and 3.
(Q5pre)
End of Day 3, [DISPLAY DIARY DATE DAY 3 HERE, example “Wednesday, October 3”], cash amount:
Did you end the day with any paper cash in your pocket, wallet or purse?
 Do not consider foreign currency.
1. Yes
2. No
If Q5pre = NO
(Q5no)
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Did you spend or deposit all your cash today?
1. Yes
2. No
3. I did not have or use any cash today.
***if Q5pre = NO then total cash at end of Day 3 should be set to 0, not missing***
ENDIF
If Q5pre = YES then:
Q5. ***Make ending cash amount pages look like “cash on Day 0” page.***

Count your paper cash at the end of the day!
End of the day cash amount – Please tell us the number of bills of each denomination in your pocket,
wallet, purse at the end of Day Three, on [DISPLAY DIARY DATE HERE, example “Wednesday, October
3”].
Your total dollar amount will be automatically calculated.
● Do not consider coins.
● Do not count foreign currency.
NUMBER OF:
____ x $1 bills = $[calculated on the fly]

____ x $20 bills = $[calculated on the fly]

____ x $2 bills = $[calculated on the fly]

____ x $50 bills = $[calculated on the fly]

____ x $5 bills = $[calculated on the fly]

____ x $100 bills = $[calculated on the fly]

____ x $10 bills = $[calculated on the fly]
Total dollar amount $[GRAND TOTAL DOLLAR AMOUNT, calculated on the fly]

## The name of the variable for GRAND TOTAL DOLLAR AMOUNT should be “amntcashend_day3”. If
q5pre = NO, in other words the respondent does not have any cash at the end of Day 3, then
amntcashend_day3 = 0.
## Variable names for the items above:
denom1_end_num, denom1_end_amnt
denom2_end_num, denom2_end_amnt
denom5_end_num, denom5_end_amnt
denom10_end_num, denom10_end_amnt
denom20_end_num, denom20_end_amnt
denom50_end_num, denom50_end_amnt
denom100_end_num, denom100_end_amnt
amntcashend_day1, _day2, _day3
(q5_correctscreen)
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You told us you have $[GRAND TOTAL DOLLAR AMOUNT] in your pocket, wallet, or purse. Is this
amount correct?
1. Yes
2. No
****If q5_correctscreen = NO, please take the diarist back to the “Count your paper cash” screen***

11) Cash and account management module
a) Cash Deposits to all accounts
(q4)
Did you deposit any cash into your bank account at an ATM, with the bank teller, or some
other way on [DISPLAY DIARY DATE HERE, example “Wednesday, October 3”]?
 Do not include checks that you deposited.
 Do not include foreign currency.
1. Yes
2. No
If q4 = YES then
Q4. Depositing cash – Please tell us about each time you deposited cash on [DISPLAY
DIARY DATE HERE, example “Wednesday, October 3”].




Complete one entire row for each time you got or received cash today.
Do not include checks deposited. Only report cash you deposited.
Tell us about your cash deposits at ATMs or bank tellers.
Time
Amount
Deposit method
$_________
Drop down list:
ATM
Bank teller
Other (specify)

## Create a variable called amntcashdeposits = sum(amount of all cash desposits on that
day). If there are no cash deposits on that day, then amntcashdeposits = 0.
## Create a variable called numcashdeposits = Number of cash desposits on that day. If
there are no cash deposits on that day, then numcashdeposits = 0.

## Cash deposit variables =
 cashdep_hour_N, where N is the number of the cash deposit for the day (1 =
first withdrawal, etc.)
 cashdep_minute_N
 cashdep_ampm_N
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


cashdep_amnt_N
cashdep_method_N

****If the respondent chooses “Other” in the “Deposit method” dropdown, a follow-up
screen should say
For the cash deposit of $X at T:TTpm (am), please describe the other deposit method.

****

b) Checking Deposits to all accounts
IF dcpc_pa001_a = 1
(q080_a)
Was any money deposited into your checking account on [DISPLAY DIARY DATE HERE, example
“Wednesday, October 3”]? Include all of the following:
 Direct deposits of income, tax or other refunds, etc. (electronically and/or automatically)
 Check deposits
 Transfers into your checking account from your account or from someone else’s account
1. Yes
2. No
IF dcpc_pa001_a >= 2
Was any money deposited into your primary checking account on [DISPLAY DIARY DATE HERE,
example “Wednesday, October 3”]? Include all of the following:
 Direct deposits of income, tax or other refunds, etc. (electronically and/or automatically)
 Check deposits
 Transfers into your checking account from your account or from someone else’s account
 Your primary account is the account you use most often to make payments, not
necessarily the account with the most money in it.
Yes

No

(q080_a)
Primary account
IF q080_a = YES
if dcpc_pa001_a = 1
Please tell us about each deposit to your checking account on [DISPLAY DIARY DATE HERE,
example “Wednesday, October 3”]?
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

Use one row for each deposit that you made today.
Amount

Deposit 1
Deposit 2
…
Deposit 5

What kind of funds were deposited?
Check (personal or business)
Money order
Traveler’s check
Cashier’s check
Certified check
Transfer from another account
Direct deposit of income
Other

## Variable names
 chkdep_amnt_N, where N is the row number
 chkdep_funds_N
IF chkdep_funds_N = “transfer from another account” THEN
(pa081_a)
What kind of account did the funds come from which were deposited into your checking account?
1. Another checking account that I own
2. Another savings account that I own
3. Investment account
4. General purpose reloadable prepaid card
5. Another account belonging to somebody else
6. Other
IF q080_a = YES
if dcpc_pa001_a >= 2 then
Please tell us about each deposit to your primary checking account on [DISPLAY DIARY
DATE HERE, example “Wednesday, October 3”]?


Use one row for each deposit that you made today.



Your primary account is the account you use most often to make payments, not
necessarily the account with the most money in it.
Amount

Deposit 1
Deposit 2
…
Deposit 5

$_________.00

What kind of funds were
deposited?
Check (personal or business)
Money order
Traveler’s check
Cashier’s check
Certified check
Transfer from another account

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Direct deposit of income
Other
## Variable names
 chkdep_amnt_N
 chkdep_funds_N
IF chkdep_funds_N = “transfer from another account” THEN
(pa081_a)
What kind of account did the funds come from which were deposited into your checking account?
1. Another checking account that I own
2. Another savings account that I own
3. Investment account
4. General purpose reloadable prepaid card
5. An account belonging to somebody else
6. Other

c) Prepaid Deposits to primary GPR card account
IF (dcpc_gpradopter = YES (“1”) or if GPRADOPTER = YES) THEN
(q102b)
Did you reload to any general purpose prepaid cards using any other payment instrument (e.g. cash,
debit card, credit card, bank account transfer, direct payment from income) on [DISPLAY DIARY DATE
HERE, example “Wednesday, October 3”]?
1. Yes
2. No
(IF q102b = YES)
(q102c)
Please list all general purpose prepaid card loadings on [DISPLAY DIARY DATE HERE, example
“Wednesday, October 3”].

Time

Complete one entire row for each time you reloaded a prepaid card today.
Amount Payment method used
loaded
$______ P1 – Cash
P2 – Check
P3 – Credit card
P4 – Debit card
P5 – Other prepaid card

Location

Did you pay a fee?

L1 – Retail location
L2 – Online
L3 – Mobile phone
L4 – ATM
L5 – Card machine

Yes
No

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P6 – Bank account number payment
P7 – Online banking bill payment
P8 – Money order
P9 – Traveler’s check
P10 – PayPal
P11 – Account-to-account transfer
P12 – Mobile phone payment
P13 – Other payment method
P14 – Direct deposit from salary,
wages, or benefit

L6 – Bank teller
L7 – Check casher
L8 – Other location

## Variable names
 Time
o prepaidload_h_N, where N is the number of times they loaded (1 = first time today)
o prepaidload_m_N
o prepaidload_ampm_N
 prepaidload_amnt_N
 prepaidload_method_N
 prepaidload_location_N
 prepaidload_fee_N
****If the respondent chooses “P11 – Other method”, a follow-up screen should say:
For the prepaid card loading of $X at T:TTpm (am), what other method do you mean?
[Open ended text response box]

****If the respondent chooses “L8 – Other location”, a follow-up screen should say:
For the prepaid card loading of $X at T:TTpm (am), what other location do you mean?
[Open ended text response box]

****NEW VARIABLE: if Payment Method Used = Cash then amntprepaidload = sum(all rows of Amount
Loaded on that day).
****NEW VARIABLE: if Payment Method Used = Cash then numprepaidload = Number of times prepaid
cards were reloaded on that day.
IF (SCPC variable PCADOPTER = 1) THEN
(q102d)
Did you add money ($ value) to a prepaid card on [DISPLAY DIARY DATE HERE, example “Wednesday,
October 3”]? Do not include money you reported already using any other payment instrument (e.g.
cash, debit card, credit card, bank account transfer, direct payment from income).


Examples of prepaid cards include Starbucks card, Target gift card, public transit cards, etc.
1. Yes

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2. No
(IF q102b = YES)
(q102e)
Please list all prepaid card loadings.


Complete one entire row for each time you loaded a prepaid card today.

Time

Amount Payment method used
Location
Did you pay a fee?
loaded
$______ P1 – Cash
L1 – Retail location
Yes
P2 – Check
L2 – Online
No
P3 – Credit card
L3 – Mobile phone
P4 – Debit card
L4 – ATM
P5 – Other prepaid card
L5 – Card machine
P6 – Bank account number payment
or kiosk
P7 – Online banking bill payment
L6 – Bank teller
P8 – Money order
L7 – Check casher
P9 – Traveler’s check
L8 – Other location
P10 – PayPal
P11 – Account-to-account transfer
P12 – Mobile phone payment
P13 – Other payment method
P14 – Direct deposit from salary,
wages, or benefit
## Variable names – These can be the same names as the GPR variables and we’ll know if they belong to
GPR cards or other prepaid cards by looking at the answers to q102b and q102d.
 Time
o prepaidload_h_N, where N is the number of times they loaded (1 = first time today)
o prepaidload_m_N
o prepaidload_ampm_N
 prepaidload_amnt_N
 prepaidload_method_N
 prepaidload_location_N
 prepaidload_fee_N
****If the respondent chooses “P11 – Other method”, a follow-up screen should say:
For the prepaid card loading of $X at T:TTpm (am), what other method do you mean?
[Open ended text response box]

For the prepaid card loading of $X at T:TTpm (am), what other location do you mean?
[Open ended text response box]

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****NEW VARIABLE: if Payment Method Used = Cash then amntprepaidload2 = sum(all rows of Amount
Loaded on that day).
****NEW VARIABLE: if Payment Method Used = Cash then numprepaidload2 = Number of times
prepaid cards were reloaded on that day.

d) Cash Withdrawals to all accounts
(q99)
Did you get or receive any cash on [DISPLAY DIARY DATE HERE, example “Wednesday, October 3”]?
 Do not include foreign currency.
1. Yes
2. No
If q99 = YES then

(q3)
Receiving or getting cash
Please enter the information for your cash activity on [DISPLAY DIARY DATE HERE, example
“Wednesday, October 3”].
 Complete one entire row for each time you got or received cash today.
Time Amount Location (where you got the cash)
Source of funds

Drop down list:
C1 – ATM
C2 – Cash back at a retail store
C3 – Bank teller
C4 – Family or friend
C5 – Check cashing store
C6 – Employer
C7 – Cash refund from returning goods
C8 – Payday lender
C9 – Other location

Were you
charged a
fee?
Drop
down list:
Yes
No

Drop down list:
S1 – Checking account
S2 – Savings or other bank
account
S3 – Salary/wages/tips
S4 – Cashing a check
S5 – Credit card cash advance
S6 – Prepaid card cash
withdrawal
S7 – Another person
S8 – Other source
## Create a variable called amntcashwith = sum(amount of all cash withdrawals on that day). If there are
no cash withdrawals on that day, then amntcashwith = 0.
## Create a variable called numcashwith = Number of cash withdrawals on that day. If there are no cash
withdrawals on that day, then numcashwith = 0.
## Cash withdrawal variables =
 Time:

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o






cashget_hour_N, where N is the number of the cash withdrawal for the day (1 = first
withdrawal, etc.)
o cashget_minute_N
o cashget_ampm_N
cashget_amnt_N
cashget_location_N
cashget_source_N
cashget_fee_N

****If the respondent chooses “C8 – Other location”, a follow-up screen should say:
For the cash withdrawal of $X at T:TTpm (am), what other location do you mean?
[Open ended text response box]

****If the respondent chooses “S8 – Other source”, a follow-up screen should say:
For the cash withdrawal of $X at T:TTpm (am), what other source do you mean?
[Open ended text response box]

****

e) Checking Withdrawals from all accounts
IF dcpc_pa001_a = 1 then
(q210_a)
Did you make any transfers from your checking account into another account on [DISPLAY
DIARY DATE HERE, example “Wednesday, October 3”]?
1. Yes
2. No
ELSE IF dcpc_pa001_a >= 2 then
(q210_a)
Did you make any transfers from your primary checking account into another account on
[DISPLAY DIARY DATE HERE, example “Wednesday, October 3”]?
 Your primary account is the account you use most often to make payments, not necessarily
the account with the most money in it.
1. Yes
2. No
ENDIF
IF (q210_a = YES) THEN
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IF dcpc_pa001_a = 1 THEN
Please tell us about each transfer from your checking account to another account on [DISPLAY
DIARY DATE HERE, example “Wednesday, October 3”]?


Use one row for each transfer that you made today.

Transfer 1
Transfer 2
…
Transfer 5




Amount
$______
$______
$______
$______

What account did you transfer into?
[Drop down list for each row in table]
--Select one—
1. Another checking or savings account that I
own
2. Another checking or savings account belonging
to someone else
3. Investment account that I own
4. Investment account belonging to someone
else
5. General purpose reloadable prepaid card that I
own
6. General purpose reloadable prepaid card
belonging to someone else
7. Other

##Variable names
chktransfer_amnt_N
chktransfer_account_N

IF dcpc_pa001_a >= 2 THEN
Please tell us about each transfer from your primary checking account to other accounts on
[DISPLAY DIARY DATE HERE, example “Wednesday, October 3”]?



Your primary account is the account you use most often to make payments, not necessarily the
account with the most money in it.
Use one row for each transfer that you made today.
Amount
Transfer 1
Transfer 2
…
Transfer 5

What account did you transfer into?
[Drop down list for each row in
table]
--Select one—
1. Another checking or savings
account that I own
2. Another checking or savings
account belonging to
someone else
3. Investment account that I

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4.
5.
6.

7.

own
Investment account
belonging to someone else
General purpose reloadable
prepaid card that I own
General purpose reloadable
prepaid card belonging to
someone else
Other

##Variable names
 chktransfer_amnt_N
 chktransfer_account_N
## Follow-up from the above “transfer from account” tables:
For each of these transfers to another account, please tell us the following:

Transfer [FILL: X,
where X is the row
number from
above] for $[FILL
with dollar amount]

Was the
account that
the money
came from at
the same
financial
institution as
the account
the money
was
transferred
to?
[Drop down
list]
Yes
No

How much was the fee for this
transfer? Enter 0 if none.

$__________
(variable name:
chktransfer_fee_N)

When is the person to whom
you transferred the money
supposed to receive it?

1.
2.
3.
4.
5.
6.
7.
8.
9.

Today
Tomorrow
2 days
3 days
4 days
5 days
6 days
One week
More than a week

(variable name:
chktransfer_whenrec_N)

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f) Other withdrawals
## New screen
(q211)
Did you purchase any of the following on [DISPLAY DIARY DATE HERE, example “Wednesday, October
3”]?
Yes No
(q211_a)
Money order
(q211_b)
Travelers checks
(q211_c)
Certified check
IF any of q211_a, b, or c = YES then
Please tell us the amount of the check(s) or money orders you purchased and the payment method you
used to buy them. For traveler’s checks, please report the total amount of all traveler’s checks
purchased.
Amount
Payment method
(IF q211_a = YES)
(q211_amnt_a) Drop down list:
Money order
$________
P0 – Multiple payment methods
(IF q211_b = YES)
(q211_amnt_b) P1 – Cash
Travelers checks
$________
P2 – Check
(IF q211_c = YES)
(q211_amnt_c) P3 – Credit card
Certified check
$________
P4 – Debit card
P5 – Prepaid/Gift/EBT card
P6 – Bank account number payment
P7 – Online banking bill payment
P8 – Money order
P9 – Traveler’s check
P10 – PayPal
P11 – Account-to-account transfer
P12 – Mobile phone payment
P13 – Other payment method
## New variables
q211_paymeth_a
q211_paymeth_b
q211_paymeth_c

12) Error checking
So far, we have created the following variables:


amntcashend_day0

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









amntcashpurch
numcashpurch
amntcashdeposits
numcashdeposits
amntcashwith
numcashwith
amntprepaidload
numprepaidload
amntcashend_dayX, where X = [1, 2, 3]

Next, we will create a few intermediate variables.




amntcashout = sum(amntcashpurch, amntcashdeposits, amntprepaidload)
amntcashin = amntcashwith
numcashtrans = sum(numcashpurch, numcashdeposits, numcashwith, numprepaidload)

Now we can create the flag which indicates a good cash identity for Day 1:



If abs(amntcashend_day1 – amntcashend_day0 + amntcashout – amntcashin) <=
numcashtrans then goodcashid = 1.
Else goodcashid = 0.

Likewise, for days 2 and 3, the good cash identity flag is as follows:



If abs(amntcashend_dayX – amntcashend_day[X-1] + amntcashout – amntcashin) <=
numcashtrans then goodcashid = 1.
Else goodcashid = 0.

Create a new variable called reported_cashend, which will equal
 reported_cashend = amntcashend_day[X-1] – amntcashout + amntcashin
 In other words, the amount of cash at the end of yesterday, minus all cash outflows, plus all
cash inflows.

## New screen -- Only show screen if goodcashid = 0, in other words, they have a bad cash identity.
If reported_cashend - amntcashend_day[1,2,3] not equal to 0 THEN
IF goodcashid = 0 THEN
(q107)

Are there any other cash activities on [DISPLAY DIARY DATE HERE, example “Wednesday, October 3”]
that were not reported previously in today’s online diary?
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To help you remember, you
****for each of these next text lines, only show if value is > 0****
## display as table
Number of cash transactions
Amount of cash I started with
Dollar amount of cash payments
Dollar amount of cash withdrawals
Dollar amount of cash deposits
Dollar amount loaded onto prepaid or gift cards

totcashtrans
$[amntcashend_day[0,1,2]]
$[amntcashpurch]
$[amntcashwith]
$[amntcashdeposits]
$[amntprepaidload]

Based on what you told us about your payments and cash activity today, we calculated that you
should have $[reported_cashend]. But you told us you ended the day with
$[amntcashend_day[1,2,3]].
There is a difference of [reported_cashend - amntcashend_day[1,2,3]] dollars
Please help us to understand why your reported cash activity does not match the total shown.
Perhaps you forgot to report some cash payments, withdrawals or deposits. If you are able,
please explain in the activities and amounts in the box below.
[provide open ended response text box for the diarist to explain]
## Ask for those with goodcashid = 0.
By chance, did you do any of the following on [DISPLAY DIARY DATE HERE, example
“Wednesday, October 3”]?
Yes

No

(q5_4)
Convert coins to paper cash
(q5_5)
Convert paper cash to coins (examples: using a change machine, getting four
quarters for a dollar, buying a roll of coins)
(q119)
Exchange paper U.S. dollars for a foreign currency
(q121)
Exchange foreign currency for paper U.S. dollars
(q7_1)
Returned goods for a cash refund
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(q7_2)
Exchanged goods and paid the difference in cash
(q105a)
I removed some cash from my pocket, wallet or purse and added it to cash
stored elsewhere on my property.
(q105b)
I took cash stored elsewhere on my property and added it to my pocket,
wallet or purse.
(q105c)
I had some cash lost or stolen.
(q105d)
I found or unexpectedly received some cash.

a) Coin-to-cash and cash-to-coin section
If Q5_4 = YES then
Please list all the times you converted coins into cash or some other form of value on [DISPLAY DIARY
DATE HERE, example “Wednesday, October 3”].
 Complete one entire row for each time you converted coins into cash or some other form of
value today.

Time

Dollar
amount of
coins

Dollar
amount
received in
paper bills

Were you reimbursed
with something other
than paper bills?
1. No
2. Prepaid/gift card
3. Deposit into bank
account
4. Points or value to
use on a website
5. Store credit
6. Other (specify)

Location

1. Coin
machine/kiosk
2. Bank teller
3. Store
4. Family or
friend
5. Other (specify)

Did you pay
a fee?

Y/N

****NEW variable: amntcoin2cash = sum(dollar amount received in paper bills) ****
****NEW variable: numcoin2cash = Number of times changing coins into cash ****
If Q5_5 = YES then
Please list all the times you converted paper cash into coins on [DISPLAY DIARY DATE HERE,
example “Wednesday, October 3”].
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


Time

Complete one entire row for each time you converted paper cash into coins today.
Examples include using a change machine, getting four quarters for a dollar, or buying a roll of
coins. Do not consider receiving change from a purchase.
Dollar
amount of
paper bills

Main type of coin
received
1.
2.
3.
4.
5.

Location

Dollar coins
Quarters
Dimes
Nickels
Pennies

1. Change
machine/kiosk
2. Bank teller
3. Store clerk
4. Family or friend
5. Post office
6. Other (specify)

Did you pay a
fee?
Y/N

****NEW VARIABLE: amntcash2coin = sum(dollar amount of paper cash changed to coins) ****
****NEW VARIABLE: numcash2coin = Number of times changing cash into coins ****

b) Foreign-to-USD and USD-to-foreign section

If q119 = YES then
(q120)
How much U.S. cash did you convert into a foreign currency on [DISPLAY DIARY DATE HERE,
example “Wednesday, October 3”]?
$__________
ENDIF
****NEW VARIABLE: amntusd2for = sum(dollar amount of USD changed to foreign currency) ****
If q121 = YES then
(q122)
How much U.S. cash did you receive after converting from foreign currency on [DISPLAY DIARY
DATE HERE, example “Wednesday, October 3”]?
$__________
ENDIF
****NEW VARIABLE: amntfor2usd = sum(dollar amount of foreign currency changed to USD) ****

c) Returned goods section
(IF q7_1 or q7_2 = YES)
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Version: June 7, 2016
(Q7_a)
Please tell us if you returned or exchanged goods on [DISPLAY DIARY DATE HERE, example
“Wednesday, October 3”].
1. I returned goods for a refund or store credit
2. I exchanged goods for other items
If Q7_a = 1
(Q9)
How did the merchant refund your money, and how much was refunded?
Time
Dollar amount
How did the merchant pay you?
(q9_time) (q9_amnt)
(q9_merchant)
Drop down list:
Cash
Refund to debit card
Refund to credit card
Merchant wrote you check
Store credit
Gift card
Other

****If q9_merchant = Cash then amntrefund = sum(q9_amnt)
End skip (Q7_a = 1)
If Q7_a = 2 then
(Q10)
Was the exchange for a good or service of less value, equal value or more value?
1. Less value
2. Equal value
3. More value
If Q10 = 1 then:
(Q110)
Please tell us how were you paid the difference between the higher valued
exchanged good and the lower valued new item?
(Q110a)
What was the amount you were given? $_____
(Q110b)
How were you given the difference?
[drop down list:
Cash
Refund to debit card
Refund to credit card
Merchant wrote you a check
Store credit
Gift card
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Version: June 7, 2016
Other]
****NEW VARIABLE: if Q110b = Cash then amntexchange = Q110a ****
ENDIF
If Q10 = 3 then:
(Q111)
Did you report to us the amount paid to make up the difference in value
between the returned good and the new good?
1. Yes
2. No
If Q111 = NO then
(Q111b)
How much did you pay to make up the difference in value between the
returned good and the new good?
$______________
(Q111c)
What payment method did you use to pay the difference?
****dropdown list of payment instruments****
Payment method codes:
P1 – Cash
P2 – Check
P3 – Credit card
P4 – Debit card
P5 – Prepaid/Gift/EBT card
P6 – Bank account number payment
P7 – Online banking bill payment
P8 – Money order
P9 – Traveler’s check
P10 – PayPal
P11 – Account-to-account transfer
P12 – Mobile phone payment
P13 – Other payment method
End if
****NEW VARIABLE: if Q111c = Cash then amntpaydiff = Q111b ****
Endif
End skip (Q7_a = 2)

d) Cash lost, stolen, or moved section
****These are follow up questions to Q105. All q106 questions which are displayed should be on one
screen if possible****
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(IF q105a = YES)
(q106a)
How much cash did you remove from your pocket, wallet or purse and add to cash stored
elsewhere on your property on [DISPLAY DIARY DATE HERE, example “Wednesday, October
3”]?
$_______
(IF q105b = YES)
(q106b)
How much cash did you take that was stored elsewhere on your property and add to your
pocket, wallet, or purse on [DISPLAY DIARY DATE HERE, example “Wednesday, October 3”]?
$________
(IF q105c = YES)
(q106c)
How much cash did you have lost or stolen on [DISPLAY DIARY DATE HERE, example
“Wednesday, October 3”]?
$____________
(IF q105d = YES)
(q106d)
How much cash did you find or unexpectedly receive on [DISPLAY DIARY DATE HERE, example
“Wednesday, October 3”]?
$_______________

13) Income
## New screen
IF any of q140_a – q140_j = YES then
## only display rows where q140 = YES
(q142)
Did you receive any income from the following sources on [DISPLAY DIARY DATE HERE, example
“Wednesday, October 3”]?
Yes

No

(IF q140_a = YES)
(q142_a)
Employment income (wages, salary, bonuses)
(IF q140_c = YES)
(q142_c)
Self-employment income
(IF q140_d = YES)
(q142_d)
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Version: June 7, 2016
Social Security
(IF q140_b = YES)
(q142_b)
Employer-paid retirement
(IF q140_j = YES)
(q142_j)
IRA, Roth IRA, 401(k), or other retirement fund
(IF q140_e = YES)
(q142_e)
Interest and dividends
(IF q140_f = YES)
(q142_f)
Rental income
(IF q140_g = YES)
(q142_g)
Government assistance (disability, unemployment, SNAP, TANF, WIC)
(IF q140_h = YES)
(q142_h)
Alimony
(IF q140_i = YES)
(q142_i)
Child support

## New screen
IF any of q142_a – q142_j = YES then
## only display rows where q142 = YES

(q144)
How much net income (also called after-tax income) did you receive and how did you receive the
income on [DISPLAY DIARY DATE HERE, example “Wednesday, October 3”]?
In other words, tell us the amount deposited into one of your accounts, or the amount of cash or a
check you received.



Report NET amount of income received, after all taxes and other deductions.
Include multiple payments from the same source.

Source
(IF q142_a = YES)
(q144_a)
Employment (wages, salary, bonuses)
(IF q142_c = YES)
(q144_c)

Amount
(q144_a)
$_________
(q144_c)
$_________

How did you receive your income?
## Show the drop down list for each row
that is displayed.
[Drop down list]

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Self-employment income
(IF q142_d = YES)
(q144_d)
Social Security
(IF q142_b = YES)
(q144_b)
Employer-paid retirement
(IF q142_j = YES)
(q144_j)
IRA, Roth IRA, 401(k), or other retirement
fund
(IF q142_e = YES)
(q144_e)
Interest and dividends
(IF q142_f = YES)
(q144_f)
Rental income
(IF q142_g = YES)
(q144_g)
Government assistance (disability,
unemployment, SNAP, TANF, WIC)
(IF q142_h = YES)
(q144_h)
Alimony
(IF q142_i = YES)
(q144_i)
Child support

(q144_d)
$_________
(q144_b)
$_________
(q144_j)
$_________
(q144_e)
$_________
(q144_f)
$_________
(q144_g)
$_________
(q144_h)
$_________

--Select one—
8. Direct deposit to primary
checking account
9. Direct deposit to some other
checking or savings account
10. Paper check
11. Cash
12. Payroll card
13. General purpose reloadable
prepaid card
14. Other
## Variable names for “How did you
receive your income?”
q143_a
q143_c
q143_d
q143_b
q143_j
q143_e
q143_f
q143_g
q143_h
q143_i

(q144_i)
$_________

[If diary day = 3]
(q19)
Please tell us the date when you next expect to receive an income payment.



Click the arrows to scroll through additional months.
If you don’t expect to receive any income, please tell us in the comments.
****Calendar goes here****

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14) Daily “MHQ” questions
a) What payment instruments did you carry today? [dcpc2012: median 10
seconds]
****Ask question q97 only there was at least one purchase or bill with “in person” for the location code,
or any cash withdrawals or cash deposits on the day.****
(q97)
Please tell us what PAYMENT METHODS you carried or were available to you to make payments on
[DISPLAY DIARY DATE HERE, example “Wednesday, October 3”].
















Check all that apply
P1 – Cash
P2 – Check
P3 – Credit card
P4 – Debit card
P5 – Prepaid/Gift/EBT card
P6 – Bank account number payment
P7 – Online banking bill payment
P8 – Money order
P9 – Traveler’s check
P10 – PayPal
P11 – Account-to-account transfer
P12 – Mobile phone payment
P13 – Other payment method
I did not have any payment methods accessible.

b) Did you use any weekly/monthly/yearly passes today?
IF SCPC variables pa198_c > 0 or pa198_n > 0 THEN
(q11)
Some payments or transactions are made using a weekly, monthly or annual pass. Examples of
these kinds of passes include:
 Public transportation
 Gym
 Museum
 Parking
 Recreation
Did you use a weekly, monthly, or annual pass on [DISPLAY DIARY DATE HERE, example
“Wednesday, October 3”]?
1. Yes
2. No
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IF q11 = YES THEN
(q12)
How many times did you use a weekly, monthly, or annual pass today?
_______________ times

c) Did you travel today? – median 8 seconds
(q13)
Did you travel in the U.S. for business, vacation, or any other reason on [DISPLAY DIARY
DATE HERE, example “Wednesday, October 3”]?
 Consider any travel where you slept away from home last night or you will sleep
away from home tonight.
1. Yes
2. No

15) Day 1 only module
(scf005)
***randomize between $1,000 and $3,000***
***randomize between “By the end of today”, “By the end of three days from today”, “By the end
of seven days from today”***
Assume that you were facing an emergency expense of [FILL: “$1,000” or “$3,000”] that could not
be avoided.
You would need to make this [FILL: “$1,000” or “$3,000”] payment within a very short amount of
time.


Examples: Your car breaks down and you need it to get to work. Pipes burst in your house, and
plumbing must be immediately repaired.

How much of this [FILL: “$1,000” or “$3,000”] could you pay for [FILL: “By the end of today” OR “By
the end of three days from today” OR “By the end of seven days from today”]?
$ _______________.00
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### New screen – scf006
(scf006)
You said you could get $[FILL: response from scf005] in an emergency.
How much would you get from each of the following sources?
Note: The total amount will be calculated automatically and displayed at the bottom.
***KEEP same randomize as above in scf005 for “By the end of today”, “By the end of three days
from today”, “By the end of seven days from today”***
Source of funds

“By the end of today”, “By the end of three days from
today”, “By the end of seven days from today”

Cash

$________.00

Checking account

$________.00

Savings account

$________.00

Checking account overdraft

$________.00

Credit card

$________.00

Home equity line of credit

$________.00

Payday loan

$________.00

Pawn shop

$________.00

Family and friends

$________.00

Total amount you could pay

$[running total updated in real time].00

## error check—dollar amount in “Total amount…” row should equal the response to scf005 above.

a) End of Day 1 text
Thank you for completing the first day of your diary.
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Please log in tomorrow evening to complete the second day.

16) Day 2 module
a) End of Day 2 text
Thank you for completing the second day of your diary.
Please log in tomorrow evening to complete the final day.

17) Day 3 only module
## These questions are only asked at the end of Day 3

a) Bills
## New screen
## new text for this screen
Thank you for recording the following bill payments.
## Display a list of the payments where the variable “pay002_N” is equal to any of the following:
“regularly recurring bill payment”, “one time bill payment”, “Recurring bill payment with irregular
frequency”
Show the following in a table, one row per payment:
Date
Amount
Payment category
Payment
method
payamnt_N
(Day 1/2/3)
This is the response to pay001_N. (not paymethod_N
the numeric value of the variable, but
the text of the response option)

The next few screens include reminders for other types of bills you may have paid from [DISPLAY
DIARY DATE HERE, example “Wednesday, October 3”] to [DISPLAY DIARY DATE HERE, example
“Wednesday, October 3”].





Include all bills paid by you, even if from a joint account.
Do not include bills paid by others (such as members of your household), even if from a joint
account.
Include all bills that will be paid automatically during your Diary days.
Include all bills you mail or deliver during your Diary days.

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

Include all bills that you go online to schedule or pay during your Diary days.

## New screen – for each of these screens, we want to have a title, so that the respondent will be able
to easily know what the theme of the screen is.
Household or utility payments
During the past three days, from [DISPLAY DIARY DATE HERE, example “Wednesday, October 3”] to
[DISPLAY DIARY DATE HERE, example “Wednesday, October 3”], did you make any of the
following types of household or utility payments?
Yes

No

(q65_01)
Rent
(q65_02)
Mortgage
(q65_03)
Home equity loan (do not include any payment made as part of
your mortgage payment)
(q65_04)
Home Equity Line of Credit (HELOC) (do not include any payment
made as part of your mortgage payment)
(q65_05)
Yard maintenance (Landscaping, tree service, or snow removal, etc.)
(q65_06)
Housing maintenance (Maid, cleaning, laundry service, plumber,
handyman, etc.)
(q65_07)
Electricity
(q65_08)
Water/sewer
(q65_09)
Natural gas, propane, heating fuel, other energy
(q65_10)
Homeowner’s association or condo fees
(q65_11)
Trash collection

Phone, cable, or internet payments
During the past three days, from [DISPLAY DIARY DATE HERE, example “Wednesday, October 3”] to
[DISPLAY DIARY DATE HERE, example “Wednesday, October 3”], did you make any of the
following types of phone, cable or internet payments?
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Yes

No

(q65_12)
Mobile phone
(q65_13)
Telephone (landline), cable and internet bundle
(q65_14)
Cable and internet bundle
(q65_15)
Cable and telephone (landline) bundle
(q65_16)
Internet and telephone (landline) bundle
(q65_17)
Cable
(q65_18)
Internet
(q65_19)
Telephone (landline)

Credit card or loan payments
During the past three days, from [DISPLAY DIARY DATE HERE, example “Wednesday, October 3”]to
[DISPLAY DIARY DATE HERE, example “Wednesday, October 3”], did you make any of the
following types of credit card or loan payments?
Yes

No

(q65_20)
Credit card bill
(q65_21)
Car, truck, motorcycle, boat, or other vehicle loan payments
(q65_22)
Student loan
(q65_23)
Other types of loans

Insurance payments
During the past three days, from [DISPLAY DIARY DATE HERE, example “Wednesday, October 3”]to
[DISPLAY DIARY DATE HERE, example “Wednesday, October 3”], did you make any of the
following types of insurance payments?


Only consider insurance payments made by you, not by your employer.

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Yes

No

(q65_24)
Health insurance: out-of-pocket, including Medicare supplemental insurance
(q65_25)
Vehicle insurance
(q65_26)
Homeowner’s or renter’s insurance
(q65_27)
Life insurance
(q65_28)
Umbrella insurance
(q65_29)
Other types of insurance

Other types of bill payments
During the past three days, from [DISPLAY DIARY DATE HERE, example “Wednesday, October 3”]to
[DISPLAY DIARY DATE HERE, example “Wednesday, October 3”], did you make any of the
following types of bill payments?


Only consider payments made by you, not by your employer.
Yes

No

(q65_30)
Tuition, daycare, babysitting
(q65_31)
Medical or dental payments not covered by insurance (Do not include copayments made at the time of the visit)
(q65_32)
Parking (buying a weekly, monthly, or annual pass)
(q65_33)
Public transportation (buying a weekly or monthly pass for bus, subway, ferry,
etc.)
(q65_34)
Memberships or subscriptions (Gym, Netflix, social or professional club dues,
magazines, etc.)
(q65_35)
Religious contributions, monetary only (tithes, offerings, etc.)
(q65_35a)
Other charitable contributions, monetary only (United Way, Salvation Army,
Red Cross, American Cancer Society, etc.)
(q65_36)
Alimony/child support

Tax payments
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During the past three days, from [DISPLAY DIARY DATE HERE, example “Wednesday, October 3”]to
[DISPLAY DIARY DATE HERE, example “Wednesday, October 3”], did you make any of the
following types of tax payments?


Exclude payments deducted from your income.
Yes

No

(q65_37)
Federal taxes
(q65_38)
State taxes
(q65_39)
Local taxes
(q65_40)
Property taxes
(q65_41)
Car/vehicle taxes
If (any of Q65 = Yes) then

Bill payments
Please enter the information for your bill payments here.
 Complete the entire row
 For automatic bill payments, select the Diary day that the money will be deducted from
your account.


For bills not paid automatically:
 Cash, check, money order or other checks: select the day you mailed or handed
over the payment.
 Payment cards (credit, debit, prepaid), bank account number payments, and
online banking bill payment: select the day you scheduled the bill payment,
regardless of whether the money will be deducted from your account that day
or at a later date.

## INSTRUCTIONS TO PROGRAMMER: Show one row of our payments table. The
“Payment type” column should have the name of the type of bill they
paid. Next the respondent will answer the Bill Follow-up Questions and
the Payment Instrument Follow-up Questions. We will loop through this
sequence the number of times that there are YES answers in Q65, each
time displaying a new bill type in the “Payment type” column.
Payment

Diary day

Amount

Payment

Location

Device

Automatically paid

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type

bill was
paid or
scheduled

[FILL
based
1. Day 1
on YES
[insert
answers
date]
in Q65.
2. Day 2
One row
[insert
per YES
date]
answer]. 3. Day 3
[insert
date]

method

$____

Drop down
list:
P0 – Multiple
payment
methods
P1 – Cash
P2 – Check
P3 – Credit
card
P4 – Debit
card
P5 –
Prepaid/Gift/E
BT card
P6 – Bank
account
number
payment
P7 – Online
banking bill
payment
P8 – Money
order
P9 – Traveler’s
check
P10 – PayPal
P11 – Account
to account
transfer
P12 – Mobile
phone
payment
P13 – Other
payment
method
P14 – Direct
deduction
from income

or not?

Drop down
list:
L1 –
Payment in
person
L2 –
Payment
not in
person

Drop down list:
D1 – Computer
(laptop or
desktop)
D2 – Tablet
(e.g. iPad,
Kindle)
D3 – Mobile
phone
D4 – Landline
phone
D5 – Mail or
delivery
service
D6 – No
device/None
of the above

1. Automatic
2. Not automatic

## Variable names

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prior written consent of the Federal Reserve Bank of Boston.

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






bill_dday_N, where N is the number of bill. i.e. N = 1 for the first bill, N = 2 for the second
bill, etc.
bill_amnt_N
bill_pi_N
bill_loc_N
bill_device_N
bill_automatic_N

## BILL FOLLOW-UP questions – New Section
If bill type = Mortgage (q65_02 = YES) then
(q66_02)
To whom was your mortgage payment made?
1. Bank or other financial institution
2. Government
3. Person, family or friend
IF bill type = electricity (q65_07 = YES) then
(q66_07)
To whom did you pay your electricity bill?
1. The local power company
2. My local or state government
3. Other (specify)
a. [open ended text box]
IF bill type = water/sewer (q65_08 = YES) then
(q66_08)
To whom did you pay your water/sewer bill?
1. The local water company
2. My local or state government
3. Other (specify)
a. [open ended text box]
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IF bill type = natural gas (q65_09 = YES) then
(q66_09)
To whom did you pay your bill for natural gas, propane, heating fuel, or other type of energy?
1. The local gas/heating fuel company
2. My local or state government
3. Other (specify)
a. [open ended text box]
IF bill type = trash collection (q65_11 = YES) then
(q66_11)
To whom did you pay your trash collection bill?
1. The trash collection company
2. My local or state government
3. Other (specify)
a. [open ended text box]
If bill type = “credit card bill” (q65_20 = YES) then
(q66_20)
How much of the amount of the credit card bill did you pay?
1.
2.
3.
4.

Less than the minimum amount
Minimum amount
More than the minimum amount, less than the full amount
Full amount

## New screen – next three questions on the same screen q_ccbill_fu1a, q_ccbill_fu2a,
q_ccbill_fu3a.
IF q66_20 = “Less than full amount” is selected then:
(q_ccbill_fu1a)
How much was the full amount of the credit card bill?


$_____________

(q_ccbill_fu2a)
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Did you have enough money in your checking or savings account to pay the full amount of the
credit card bill?
1. Yes
2. No
(q_ccbill_fu3a)
Why did you choose not to pay the full amount of the credit card bill?
[open ended response box]

If bill type = car loan (q65_21 = YES)then
(q66_21)
To whom was your car loan payment made?
1. Bank or other financial institution
2. Government
3. Person, family or friend
If bill type = student loan (q65_22 = YES) then
(q66_22)
To whom was your student loan payment made?
1. Bank or other financial institution
2. Government
3. Person, family or friend
If bill type = other loans (q65_23 = YES) then
(q66_23)
To whom was your loan payment made?
1. Bank or other financial institution
2. Government
3. Person, family or friend
IF bill type = religious contributions (q65_35) then
(q66_35)
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Did you receive any goods or services in exchange for this religious contribution?
1. Yes
2. No
ENDIF

## bill type = 35

IF (payment method bill_pi_N = “Bank account number payment” or
“Online banking bill payment” or “credit card” or “debit card” or
“prepaid card”) and bill_automatic_N = “Not automatic” THEN
(q67_ha)
You scheduled this payment on [FILL: bill_dday_N, the diary date they told us in the table above].
Some bills are paid on the same day they are scheduled; others are paid in the future. Please tell us
the date you selected for the bill to be paid.
[calendar widget]

## Follow-up Q’s for all bills (except religious or charity)
IF bill type is not any of the following: “religious contributions
(q65_35)” ,“Other charitable contributions (q65_35a)” then
(q67_c)
Was this payment for [FILL: name of bill type] a recurring payment or a one-time bill?
1. Regularly recurring bill payment
2. One-time bill payment
3. Recurring bill payment with irregular frequency

If q67_c = “regularly recurring bill payment” THEN
## q67_d and q67_f on same screen
(q67_d)
How often is this bill due?
1. Weekly
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Version: June 7, 2016
2.
3.
4.
5.
6.
7.
8.
9.

Bi-weekly
Twice a month
Monthly
Every other month
Quarterly
Every six months
Yearly
Other (specify)
a. [open ended text box]

(q67_f)
Do you pay the same amount each time you pay this bill, or does the payment amount
change from bill to bill?
1. Same amount each bill
2. Amount changes from bill to bill
ENDIF
IF q67_c = “recurring bill payment with irregular frequency” THEN
(q67_g)
About how many times per year do you pay this bill?
__________ times per year
ENDIF

(q67_a)
What day is this [FILL: name of bill type] payment due?
[CALENDAR Widget]

(q67_e)
For [FILL: name of bill type], did you pay a late fee?
1. Yes
2. No

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ENDIF ##bill is not equal to “religious”

### NEW UPDATE: Ask this same preferences question here. This will be
a follow-up for each bill type. The respondent should see the question
as the last follow-up question for that bill type, then they should go
back to the bill payments entry screen.
If bill_pi_N does not equal pa115_b THEN
(q103h1)
Why did you use [FILL: paymethod_N] for this transaction?”
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.

[FILL: response from q115_b] was not accepted
I didn’t have [FILL: response from q115_b] with me
I did not have enough money available to use [FILL: response from q115_b]
The payment would have been late if I used [FILL: response from q115_b]
[FILL: paymethod_N] is more secure than [FILL: response from q115_b]
I received a discount for using [FILL: paymethod_N]
I would have paid a surcharge if I used [FILL: response from q115_b]
For this size transaction, I prefer to use [FILL: paymethod_N]
For this type of bill I prefer to use [FILL: paymethod_N]
Other (specify)
 [open ended text box]

b) Credit card questions
## We want to keep a running tally of credit card payments and dollar amount. The three variables
should be




num_ccpayments = total number of credit card payments made in the payments section of
the diary.
amnt_ccpayments = total dollar amount of credit card payments made in the payments
section of the diary.
num_ccrewardspays = total number of credit card payments where q101p = YES (in other
words, the total number of cc payments using a rewards card.)

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prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016
## same screen for pay609_N and q103e
IF num_ccpayments > 0 and amnt_ccpayments > 0 THEN
(pay609_N)
During the three days of this diary you made [FILL: num_ccpayments] credit card payments totaling
$[FILL:amnt_ccpayments].
How do you plan to pay off these purchases?
1. Pay in full when the bill arrives.
2. Pay over time in several bill payments.
END IF
IF num_ccrewardspays > 0 THEN
(q103e)
You made [FILL: num_ccrewardspays] credit card payments using cards which gives rewards.
What kind of rewards did these credit card payments give?
 Check all that apply
1.
2.
3.
4.

Airline miles
Cash back
Points to be used for shopping
Other (specify)
(q103e_other) __________________

c) Types of borrowing “During these three days reminders”

## same screen - pay615, pay616, pay613
(pay615)
During the three days of this diary, from [DISPLAY DIARY DATE HERE, example “Wednesday,
October 3”] to [DISPLAY DIARY DATE HERE, example “Wednesday, October 3”], did you take out
a payday loan?
1. Yes
2. No
(pay616)
During the three days of this diary, from [DISPLAY DIARY DATE HERE, example “Wednesday,
October 3”] to [DISPLAY DIARY DATE HERE, example “Wednesday, October 3”], did you buy goods
or services by taking out a new loan?
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1. Yes
2. No
(pay613)
During the three days of this diary, from [DISPLAY DIARY DATE HERE, example “Wednesday,
October 3”] to [DISPLAY DIARY DATE HERE, example “Wednesday, October 3”], did you use any of
the following to make a purchase?
 Store credit
 Lay-away
 No money down
1. Yes
2. No
IF pay615 = YES then
## new screen
(pay615_a)
How much money did you get for the payday loans you got during your diary period, [DISPLAY
DIARY DATE HERE, example “Wednesday, October 3”] to [DISPLAY DIARY DATE HERE, example
“Wednesday, October 3”]?
$________
(pay615_b)
How did you receive the money from the payday loans that you got during your diary period?
 Check all that apply
1.
2.
3.
4.

Cash
Check
Direct deposit into an account
Other (specify)
a. [open ended response box]

ENDIF

IF pay616 = YES then
## same screen both pay616_a and pay616_b
(pay616_a)
What did you purchase with the proceeds of the new loan?
 Examples include: car, jewelry, boat, etc.
[open ended text box]
(pay616_c)
How much was the loan for?
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Version: June 7, 2016
$__________
(pay616_b)
Please tell us the dollar amount of the purchase for which you took out a new loan.
$__________
ENDIF
## same screen pay617, pay614, gpr001
IF SCPC variable DE013 = YES
(pay617)
During the three days of this diary, from [DISPLAY DIARY DATE HERE, example “Wednesday,
October 3”]to [DISPLAY DIARY DATE HERE, example “Wednesday, October 3”], did you pay for
anything using a Home Equity Line of Credit?
1. Yes
2. No
END IF (de013 = YES)
(pay614)
During the three days of this diary, from [DISPLAY DIARY DATE HERE, example “Wednesday,
October 3”] to [DISPLAY DIARY DATE HERE, example “Wednesday, October 3”], did you receive any
payments from any of the following?
 Flex spending account, or FSA
 Health care savings plan
1. Yes
2. No
(gpr001)
During the three days of this diary, from [DISPLAY DIARY DATE HERE, example “Wednesday,
October 3”] to [DISPLAY DIARY DATE HERE, example “Wednesday, October 3”], did you withdraw
any money from your general purpose reloadable prepaid card in some other way besides making a
payment or a cash withdrawal?
1. Yes
2. No
## new screens for follow-ups
IF pay617 = YES then
## same screen both pay617_a and pay617_b
(pay617_a)
What did you purchase using a Home Equity Line of Credit?
 Examples include: car, jewelry, boat, etc.
[open ended text box]
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prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016
(pay617_b)
Please tell us the dollar amount you spent using a Home Equity Line of Credit.
$__________
ENDIF
## new screens for follow-ups
IF pay614 = YES then
## same screen both pay614_a and pay614_b
(pay614_a)
How much did you receive from a Flex Spending Account or Health Care Savings Plan?
$____________
(pay614_b)
How did you receive the funds from the Flex Spending Account or Health Care Savings Plan?
1. Direct deposit to an account
2. Cash
3. Check
4. Other (specify)
a. [open ended text box]
ENDIF
## new screens for follow-ups
IF gpr001 = YES then
## same screen both gpr001_a and gpr001_b
(gpr001_a)
How much did you receive by withdrawing funds from a general purpose reloadable (GPR)
prepaid card in some other way besides making a payment or a cash withdrawal?
$____________
(gpr001_b)
Please describe how you withdrew funds from a GPR prepaid card in some other way besides
making a payment or a cash withdrawal?
[open ended text box]
ENDIF

## New Screen – pay620
(pay620)
During the three days of this diary, from [DISPLAY DIARY DATE HERE, example “Wednesday,
October 3”] to [DISPLAY DIARY DATE HERE, example “Wednesday, October 3”], did you buy
any of the following that you have not already reported:
Yes No
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prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016
(pay620_a)
Cars, trucks, motorcycles, other motor vehicles (new or used)
(pay620_b)
Furniture and furnishings
(pay620_c)
Household appliances
(pay620_d)
Computers, cameras, TVs, other electronics
(pay620_e)
Sports equipment, sports and recreational vehicles, and boats
(pay620_f)
Jewelry and watches
(pay620_g)
Therapeutic appliances and equipment
(pay620_h)
Real estate (house, condo, land, etc.)

## If the diarist says YES to any row in this table pay620, show them a payment entry screen with
one row for each YES row in this table. The screen would not need merchant types. The columns
would be as follows. No payment instrument follow up questions or any other follow-ups for
these kinds of payments.

IF YES to
pay620_x:
Row text
from table
pay620

Date of
payment

Amount spent

Payment
method

Did you pay
in person?

Device

Drop down:
[Day 1, DATE]
[Day 2, DATE]
[Day 3, DATE]

$_________

Drop down list:
Multiple
payment
methods
Cash
Check
Credit card
Debit card
Prepaid/Gift/EBT
card
Bank account
number
payment
Online banking
bill payment
Money order
Traveler’s check
PayPal
Account-to-

Drop down
list:
Yes
No

Drop down
list:
Computer
Tablet
Mobile
phone
Landline
phone
Mail
None of the
above

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prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016
account transfer
Mobile phone
payment
Other payment
method

IF pay620_a = YES THEN
(pay621)
During the three days of this diary, from [DISPLAY DIARY DATE HERE, example
“Wednesday, October 3”] to [DISPLAY DIARY DATE HERE, example “Wednesday,
October 3”], did you do any of the following?
Yes
(pay621_a)
Make a deposit on the purchase of a car, truck, motorcycle, or other motor vehicle
(new or used)
(pay621_b)
Make a down payment on the purchase of a car, truck, motorcycle, or other motor
vehicle (new or used)
(pay621_c)
Apply for an auto loan
(pay621_d)
Close on an auto loan
(pay621_e)
Pay the balance of the purchase price of a car, truck, motorcycle, or other motor
vehicle (new or used)
ENDIF
## New Screen
(pay618)
During the three days of this diary, from [DISPLAY DIARY DATE HERE, example “Wednesday,
October 3”] to [DISPLAY DIARY DATE HERE, example “Wednesday, October 3”], did you
transfer any money to people who live or have accounts in another country, sometimes called
remittances?
1. Yes
2. No
If pay618 = YES

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Version: June 7, 2016
Please tell us more about your transfer to people who live or have accounts in another country
(remittances).
## display three rows of table
Amount of transfer (in US
dollars)
$______

How transfer was made
Drop-down list
--Select one-Western Union
PayPal
MoneyGram
Bitcoin
Other (specify)

Amount of fee you paid to make
the transfer (in US dollars)
$__________

## new variables for table
remit_amnt_N, where N is 1, 2, 3
remit_howmade_N
remit_fee_N

d) Balance – Cash stored and Checking account
## We ask at the end of Day 3 only.
(scpc_pa015_b_day3)
About how much cash do you have stored elsewhere in your home, car, office, etc on [DISPLAY
DIARY DATE HERE, example “Wednesday, October 3”].



Please round to the nearest dollar.
Do not include cash owned by other members of your household.
o

About $____.00

## New screen
IF scpc_pa015_b_day3 > 0 THEN
## randomize to display either dcpc_pa015_c3 or dcpc_pa015_d3
(dcpc_pa015_c3)
## Do not allow answer which is greater than scpc_pa015_b_day3
You said you have $[FILL: response for scpc_pa015_b_day3] in cash stored elsewhere.

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prior written consent of the Federal Reserve Bank of Boston.

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About how much of that are you holding for cash payments (either for planned spending or
emergencies)?


About $________.00

(dcpc_pa015_d3)
## Do not allow answer which is greater than scpc_pa015_b_day3
You said you have $[FILL: response for scpc_pa015_b_day3] in cash stored elsewhere.
About how much of that have you set aside for long-term savings?


About $________.00

ENDIF

IF pa071_b = NO
(pa071_c)
On the first evening of the diary, you mentioned that you were not able to tell us your
checking account balance.
It is important for us to get an accurate measure of your balance.
Please use one of the following methods to look up your checking account balance:
 Your bank’s online banking website
 Your bank’s mobile app
 Your bank’s telephone banking system
 Your check book balance
Are you able to tell us your checking account balance on the first day of your diary?
1. Yes
2. No
IF pa071_c = YES then
IF dcpc_pa001_a = 1 THEN

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Version: June 7, 2016
Please tell us the balance of your checking account as of the first day of your diary,
[DISPLAY DIARY DAY 1 HERE, example “Wednesday, October 3”].



Round to the nearest dollar
Please report the total balance of the checking account, even if jointly
owned

(pa072_a)
Balance of checking account $_______________
(pa072_a_time)
Please tell us the time of this balance which you are reporting to us.
[clock widget]
(pa072_a_date)
Please tell us the date of this balance which you are reporting to us.
[calendar widget]

ELSE IF dcpc_pa001_a >= 2 THEN
Please tell us the balance of your primary checking account as of the first day of
your diary, [DISPLAY DIARY DAY 1 HERE, example “Wednesday, October 3”].




Round to the nearest dollar
Please report the total balance of the checking account, even if jointly
owned
Your primary account is the account you use most often to make payments,
not necessarily the account with the most money in it.

(pa072_a)
Balance of primary account $_______________.00
(pa072_a_time)
Please tell us the time of this balance which you are reporting to us.
[clock widget]
(pa072_a_date)
Please tell us the date of this balance which you are reporting to us.
[calendar widget]

©2010–2015 Federal Reserve Bank of Boston. Proprietary and Confidential. Do not release or disclose to unauthorized parties without the
prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016
ENDIF

IF dcpc_pa001_a = 1 THEN
Please tell us the balance of your checking account as of the last day of your diary, [DISPLAY
DIARY DATE HERE, example “Wednesday, October 3”].
It is important for us to get an accurate measure of your balance.
Please use one of the following methods to look up your checking account balance:
 Your bank’s online banking website
 Your bank’s mobile app
 Your bank’s telephone banking system
 Your check book balance


Please report the total balance of the checking account, even if jointly owned

(pa073_a)
Balance of checking account $_______________
(pa073_a_time)
Please tell us the time that you checked the balance of your checking account.
[clock widget]
(pa073_a_date)
Please tell us the date that you checked the balance of your checking account.
[calendar widget]

ELSE IF dcpc_pa001_a >= 2 THEN
Please tell us the balance of your primary checking account as of the last day of your diary,
[DISPLAY DIARY DATE HERE, example “Wednesday, October 3”].
It is important for us to get an accurate measure of your balance.
Please use one of the following methods to look up your checking account balance:
 Your bank’s online banking website
 Your bank’s mobile app
 Your bank’s telephone banking system
 Your check book balance


Please report the total balance of the checking account, even if jointly owned

©2010–2015 Federal Reserve Bank of Boston. Proprietary and Confidential. Do not release or disclose to unauthorized parties without the
prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016


Your primary account is the account you use most often to make payments, not
necessarily the account with the most money in it.

(pa073_a)
Balance of primary account $_______________.00
(pa073_a_time)
Please tell us the time that you checked the balance of your checking account.
[clock widget]
(pa073_a_date)
Please tell us the date that you checked the balance of your checking account.
[calendar widget]

## balance of general purpose prepaid card
IF or dcpc_gpradopter = 1 and dcpc_pa001_a = 0 and
(q_mostusedpayacnt_1 = “General purpose prepaid card” or
q_mostusedpayacnt_2 = “General purpose prepaid card”) THEN
(pa074_c)
You told us you own a general purpose prepaid card that has money stored or loaded on to it.
You can use a general purpose prepaid card anywhere cards are accepted.
Please tell us the balance of your primary general purpose prepaid card as of the third day of
your diary, [DISPLAY DIARY DATE HERE, example “Wednesday, October 3”].



If you have more than one general purpose prepaid card, your primary card is the
one that you use most often to make payments.
Round to the nearest dollar.

$_____________.00
(pa074_c_time)
Please tell us the time that you checked the balance of your primary general purpose prepaid
card.
[clock widget]
(pa074_c_date)
Please tell us the date that you checked the balance of your primary general purpose prepaid
card.
©2010–2015 Federal Reserve Bank of Boston. Proprietary and Confidential. Do not release or disclose to unauthorized parties without the
prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016
[calendar widget]
ENDIF
## Day 3 balance of PayPal account
IF dcpc_paypaladopter = 1 and dcpc_pa001_a = 0 and
(q_mostusedpayacnt_1 = “PayPal” or q_mostusedpayacnt_2 = “PayPal”)
THEN
(paypal_balday0)
You told us you have money stored in an account at PayPal.
Please tell us the balance of your primary PayPal account as of the third day of your diary,
[DISPLAY DIARY DATE HERE, example “Wednesday, October 3”].



If you have more than one PayPal account, your primary account is the one that you
use most often to make payments.
Round to the nearest dollar.

$_____________.00
(paypal_balday0_time)
Please tell us the time that you checked the balance of your primary PayPal account.
[clock widget]
(paypal_balday0_date)
Please tell us the date that you checked the balance of your primary PayPal account.
[calendar widget]
ENDIF

(invite to do diary again)
You were chosen to complete this three-day tracking period near the beginning of the study, and
we are now looking for volunteers to repeat the three-day tracking period between November and
December. If you are willing to do this, you will again be paid $10 for the survey you complete the
day before the diary, and $20 each of the three days of your additional diary period. This means
you can earn $70 if you participate again. Would you be interested in another assignment?
©2010–2015 Federal Reserve Bank of Boston. Proprietary and Confidential. Do not release or disclose to unauthorized parties without the
prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016

e) Rating the diary (our questions and RAND cs_001, cs_003)
(q24)
Were the instructions / definitions and examples for filling out the paper diary and the online diary clear
and helpful to you?
1. Yes
2. No
(q25)
Please tell us how you kept track of your daily payments and cash activity. Did you…
 Check all that apply
1.
2.
3.
4.
5.
6.

…carry the large paper diary?
…carry the smaller checkbook sized diary?
…keep receipts?
…consult your financial records (bank statements, credit card statements, etc.)?
…use your memory?
…use some other method?

IF q25 = 6
(q26)
Please tell us how you kept track of your payments and cash activity.
[open ended response box]
ENDIF
IF q25 = 3 or 4 or 5 or 6 and not (1 or 2)
(q27)
Please tell us why you did not carry the large paper diary or the checkbook sized diary.
[open ended response box]
ENDIF
(q28)
Do you have any comments about the large paper diary, the checkbook sized diary, or the nightly online
diary?
[open ended response box]

****RAND asks these two questions for all ALP surveys****
(cs_001)
Could you tell us how interesting or uninteresting you found the questions in this interview?
1. Very interesting
2. Interesting
3. Neither interesting nor uninteresting
4. Uninteresting
5. Very uninteresting.
©2010–2015 Federal Reserve Bank of Boston. Proprietary and Confidential. Do not release or disclose to unauthorized parties without the
prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016
(cs_003)
Do you have any other comments on the interview?
Please type these in the box below.

f) Video??
****Finally, the video should have a few questions***
***Keep track the following things each time the video is watched:
1. Who watched it.
2. When they watched it. (time and date)
3. How much of it they watched (the length of time)
4. Ask them to rate the video (1-5 stars)
(cs_004)
Did you watch the instructional video for this diary?
1. Yes
2. No
## cs_005 and cs_006 on the same screen
IF cs_004 = YES THEN
(cs_005)
Was the video helpful to your diary experience?
1. Yes
2. No
(cs_006)
Do you have any comments on the instructional video?
[open ended response box]
END IF

g) End of Day 3 text
Thank you for completing the final day of your diary.

18) Kantar list
--Select one-Merchant I paid is not on the list
77Kids
99 Cents Only
A&P
AAFES
Abercrombie & Fitch
AC Moore
©2010–2015 Federal Reserve Bank of Boston. Proprietary and Confidential. Do not release or disclose to unauthorized parties without the
prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016
Academy Sports
Ace Hardware
Advance Auto
Aeropostale
Ahold
Albertsons Market (LLC)
ALCO
Aldi Nord
Aldi Süd
Amazon.com
American Consumers
American Eagle
ampm
Amway
Ann
Apple
Ascena Retail
Athletes Foot
Aurora
AutoZone
Avon
Balls
Barnes & Noble
Bartell
Bashas
Bass Pro
Bebe
Bed Bath & Beyond
Belk
Belle Foods
Ben Bridge
Berkshire Hathaway
Best Buy
Big 5
Big Lots
Big O Tires
Big Y
Bi-Lo
BiMart
BJs
Blue Nile
Bobs Stores
Body Central
Bon-Ton
Books A Million
Borsheims
©2010–2015 Federal Reserve Bank of Boston. Proprietary and Confidential. Do not release or disclose to unauthorized parties without the
prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016
Boscovs
Brand Source
BrandsMart USA
Brooks Brothers
Brookshire
Brookshire Brothers
Brown Shoe
Buckle
Burlington Coat
C&K
Cabelas
Cache
Cardinal Heath (MSI)
CARE Pharmacies
Caseys
Cato
CEFCO
Central Grocers
Certified Grocers Midwest
Charlotte Russe
Chedraui
Chevron Texaco
Chicos
Childrens Place
Christopher & Banks
Citi Trends
Claires
Clark
Coach
Coborns
Coldwater Creek
CompUSA (Tiger Direct)
Conns
Cosentinos
Costco
Couche-Tard
CST
Cumberland Farms
CVS
D Agostino
Daiso Sangyo
DeCA
Delek
Delhaize
dELiAs
Dell
©2010–2015 Federal Reserve Bank of Boston. Proprietary and Confidential. Do not release or disclose to unauthorized parties without the
prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016
DeMoulas
Destination Maternity
Destination XL
Dicks Sports
Dierbergs Markets
Dillards
Discount Drug Mart
Dish Network
Dollar General
Dollar Tree
Don Quijote
Dover Saddlery
DSW
Eastern Mountain Sports
Eddie Bauer
Ethan Allen
Express
ExxonMobil
Fairview Health
Family Dollar
Family Mart
Fareway
Fast Retailing
Festival Foods
Fiesta Mart
Finish Line
Foodland Supermarkets (Hawaii)
Foot Locker
Forever 21
Freds
Fresh Market
Freshdirect.com
Frys
GameStop
Gander Mountain
Gap
Gelsons
Genesco
Giant Eagle
GNC
Golub
Goodings
Gristedes Sloans
Grocery Outlet
Guess
Guitar Center
©2010–2015 Federal Reserve Bank of Boston. Proprietary and Confidential. Do not release or disclose to unauthorized parties without the
prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016
Gymboree
H&M
Haggen
Harps
Harry & David
HBC (Hudson's Bay Company)
Health Mart
H-E-B
Helzbergs
Henry Ford
Hess
hhgregg
Hibbett
Hobby Lobby
Home Depot
Homeland
Hot Topic
Houchens
HSN
Hudsons Bay
Hy Vee
IKEA
Inditex
Ingles
Isetan Mitsukoshi
J Crew
JCPenney
Jo Ann Stores
Jordans Furniture
Jos A Bank
Kering
King Kullen
Kinokuniya Shoten
Kirklands
Kohls
Kroger
K-VA-T
Lawson
Leslies Poolmart
Limited Brands
Limited Stores
LLBean
Loblaw
Lowes
Lowes Foods
Lowes Market
©2010–2015 Federal Reserve Bank of Boston. Proprietary and Confidential. Do not release or disclose to unauthorized parties without the
prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016
Lumber Liquidators
Lunds Food
Macys
Man Alive
Marcs
Marks & Spencer
Marsh
Martins
Mavi Jeans
Meijer
Menards
Mens Wearhouse
Michaels
Micro Center
Minyard
Modells
Murphy Oil
Navarro
Nebraska Furniture Mart
Neiman Marcus
New York & Company
NewEgg
Nordstrom
North West
O Reilly
Office Depot
Omnicare
Overstock.com
Pacific Sunwear of California
Pantry
Payless
PC Richard
Pep Boys
Pet Valu
Petco
PetSmart
Pharmaca
Phillips 66
Pier 1 Imports
Pilot Flying J
Publix
QuikTrip
QVC
RaceTrac
Radioshack
Raleys
©2010–2015 Federal Reserve Bank of Boston. Proprietary and Confidential. Do not release or disclose to unauthorized parties without the
prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016
Ralph Lauren
RC Willey
Redners
Rite Aid
Roche Bros
Ross
Roundys
Rouses
rue21
Ryohin Keikaku
Safeway
Sally Beauty
Save Mart
Sav-Mor
Schnucks
Sears Holdings
Sears Hometown and Outlet
Sephora (LVMH)
Seven & I
Sheetz
Shell
Sherwin-Williams
ShopKo
Signet
Sinclair
Smart & Final
SonyStyle
Spartan (SpartanNash)
Speedway
Spencers Gifts
Sports Authority
Sprouts
SSP Stripes
Stage Stores
Staples
Star Furniture
Stater Bros
Stein Mart
Sunoco
Superior Grocers
Supervalu
Talbots
Tandy Leather
Target
TBC
Thrifty White Stores
©2010–2015 Federal Reserve Bank of Boston. Proprietary and Confidential. Do not release or disclose to unauthorized parties without the
prior written consent of the Federal Reserve Bank of Boston.

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Version: June 7, 2016
Tiffany
Tire Kingdom
TJX
Tops Markets
Toys R Us
Tractor Supply
Trans World Entertainment
True Value
Tuesday Morning
Ulta
United Supermarkets (Texas)
Urban Outfitters
ValueVision Media
Village Pantry
Vitamin Shoppe
Wakefern
Walgreens
Walmart
Wawa
Wayfair.com
Wegmans
Weis Markets
West Marine
Wet Seal
Whole Foods
Williams Sonoma
Winco
Woodmans Food Markets
Worsley (Worsley Convenience)
Yankee Candle
Zumiez
Merchant I paid is not on list

©2010–2015 Federal Reserve Bank of Boston. Proprietary and Confidential. Do not release or disclose to unauthorized parties without the
prior written consent of the Federal Reserve Bank of Boston.

117