Full text of Survey and Diary of Consumer Payment Choice : 2016 Diary of Consumer Payment Choice : Data Codebook

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Guide to the 2016 Diary of Consumer Payment Choice
Federal Reserve Bank of Boston: Consumer Payments Research Center
May 24, 2018

Introduction
The Diary of Consumer Payment Choice (DCPC) is a survey of consumer payment behavior run in
conjunction with the University of Southern California’s Understanding America Study (UAS). Respondents were randomly assigned a three-day period between September 29th, 2016 and November 2nd, 2016 and asked to track all of their payments using an online questionnaire. Respondents
were also asked to report some account balances and income payments on the night before the
beginning of their diary period. To the extent possible, attempts were made to ensure that on any
given day a representative sample of US residents was actively taking the diary, and any given
day can be made statistically representative by using appropriate sample weights. In addition to
in-person purchases, respondents were also asked to record their cash holdings, cash deposits,
checking transfers, and other exchanges of liquid assets. Respondents were further asked to report
income payments. The result is a dataset containing 16,211 unique transactions by 2,848 individuals , including 12,407 expenditures, 1,888 account transfers, and 1,916 income receipts. All in
all, the DCPC allows a researcher an unusually clear window into the household finances of the
American consumer.

Structure of the survey instrument
The DCPC asked respondents to track all purchases, bills, and movements of cash over a three-day
assigned diary period, and enter them into an online survey every evening. Diarists were also asked
to report income payments and some account balances the night before the first diary day (diary
day 0). Efforts were made to ensure that the sample of respondents was not just representative
through the whole of the October 1st to October 31st official sample period, but also representative
on any given date. Diarists were provided with optional memory aids to help keep track of the
relevant details, and some real-time error checking was automatically performed by the survey
instrument.

Written and compiled by Jason Premo.
jason.premo@bos.frb.org

Modules and duplicates
The instrument is organized in several modules which deal with certain kinds of transactions – for
instance, Purchases, Cash Withdrawals, and Checking Transfers. During these modules, respondents are typically asked to list the number of purchases/cash withdrawals/checking transfers/etc
they had on a given day, after which they are asked follow-up questions about each individual
transaction. The variable module can be used to identify which module an observation was originally pulled from. Note that while the modules can have rather suggestive names, one should not
rely on the name of the module to identify the type of transaction an observation represents – not
all transactions reported in the Purchases module are necessarily ”purchases”, as some transactions
may be recategorized after-the-fact if the respondent makes a mistake. Respondents were asked
many followups which are much more reliable means of identifying a transaction’s purpose. See
Structure and use of the data below for more information. In some cases a respondent would
report the same transaction in multiple modules. For instance, a respondent might report a utility
bill payment in both the Purchases and Bills module. These duplicates are culled from the dataset,
and the module variable is modified to reflect that a transaction came from multiple parts of the
survey. Transactions are considered to be duplicates if they have a matching prim key (primary
respondent identifier), date, amnt (transaction amount), and pi (payment instrument) in cases
where pi is available, and prim key, date, and amnt in cases where pi is not available.
Some notes on the sampling methodology and skip patterns
In order to reduce unwanted heterogeniety in response quality across days due to diary fatigue,
some diarists were assigned diary peiriods beginning on September 29th and September 30th and
some diarists were assigned diary periods ending on November 1st and November 2nd. This
was to ensure that every individual day in October has an approximately equal mix of diarists
completing their 1st, 2nd, and 3rd diary days. For any statistical analysis which attempts to be
representative, the ”burn-in” days of September 29-31 and the ”burn-out” days of November 1-2
should be dropped. These observations are automatically excluded if the provided daily weights
are used, but must be excluded manually when using the individual weights – see the weighting
section below. For more information on the sampling methodology, see the 2016 DCPC Technical
Appendix. In order to conserve valuable survey time and prevent the diary from becoming onerous,
the diary employs skip patterns to determine whether or not a respondent is asked a given question.
In most cases, this is intuitive; a respondent who does not report a credit card payment is not asked
about the logo on their credit card. In other cases, however, it can be potentially misleading.
For instance, respondents are only asked if they had cash stolen if their reported end of day cash
balance fails to match their reported cash transactions (within a margin of error). Thus, in some
cases it may be necessary for the researcher to trace variables back to their original diary questions
in order to obtain a full understanding of the universe of respondents for a given question.

2

Structure and use of the data
The DCPC data contains 27,604 unique observations, approximately 60 percent of which represent
a single transaction by a single respondent on a single day. Any observation can be uniquely
identified by the person, the day, and a constructed variable which orders the transactions within a
given day. These variables are prim key, date, and tran. The variable diary day can be used in
place of date, if so desired, and is necessary for identifying diary day 0.

The type variable
Any given transaction will have non-missing values for the variable type, which identifies what
sort of transaction the observation represents. Observations can either represent an expenditure, a
transfer, or an income receipt, or serve as a placeholder. Understanding the type variable, and its
associated from account and to account is integral to properly using the data, so a short guide
is included here.
Expenditures
Expenditures are defined to be money moving out of a respondents possession – for instance, purchasing an item at a store. Expenditures generally come from the Purchases or Bills modules,
though they may come from other modules as well. A substantial number of merchant categorization followups were asked for each transaction reported in the Purchases and Bills modules to
determine what the expenditure was for; all of these followups have been merged into the variables merch, submerch, purpose, and subpurpose. Using these variables one can, for instance,
identify consumption.
Transfers
Transfers are when money is moved from one account/form to another. In order to identify the
actual movement of money, one should make use of the from account and to account variables.
Transfers may come from almost any module. For instance, a cash withdrawal would be a transfer
from a checking account to cash and would come from the Cash Withdrawals module, while a
credit card bill payment could be a transfer from a checking account to a credit account and might
come from the Purchases module.
Income
Income is defined as money coming into the respondents possession. Most income is reported
in the Income module, though some types of Cash Withdrawal transactions are also considered
income – for instance, receiving money from a family member. Note that, unlike other types of
transactions, income receipts can be reported on diary day 0.

3

Placeholders
Every respondent-diary-day has a placeholder observation that contains only the day-level and
transaction-level variables; these are inserted into the dataset to ensure that one can filter out observations along any other variable without removing respondents from the dataset. For instance,
one can filter out all Transfers and Income receipts (type = 1 and type = 2) without worrying
about losing those respondents who had no expenditures.

Dollar amounts
All transactions which represent a movement of money will have a dollar amount associated with
them. This dollar amount is stored in the variable amnt. Some subjective outlier cleaning has
been applied to these dollar amounts, and the original dollar amounts, as originally reported by
the respondents, are stored in amnt orig. Dollar amounts were cleaned based on their subjective
likelihood given the type of transaction, the respondent’s answer to the various merchant followups,
the respondent’s written answers in some of the ”other” boxes in the survey (which are not included
in this dataset), and the respondent’s answers to some of the questions in the Survey of Consumer
Payment Choice (SCPC). In most cases, unrealistically large dollar amounts are the result of an
omitted decimal point.1

Other key variables
Each transaction also includes, when applicable, an amount (variable amnt), a time (variable time),
a payment instrument (variable pi) – e.g., cash, credit, check – a merchant category – e.g., financial
services, restaurants, transportation – and the device with which the payment was made – e.g.,
a mobile phone – as well as several other variables related to the payment. With the data so
organized, it is a very simple matter to estimate, say, the average value of a cash transaction at a
restaurant, or the average number of credit payments in a given month. It may also be possible,
under some reasonable assumptions, to generate running balances of the various liquidity accounts
in a respondent’s possession.

Structure of this document
This code book is arranged both alphabetically and by level of response; variables that apply to a
given transaction are listed first, followed by variables that apply to a given diary day, followed by
variables that apply to a given diary. Though variables are generally listed alphabetically, within
each subcategory the unique identifier for that subcategory is listed first – thus, prim key (mentioned above) is the first variable listed among the individual level variables. A table of contents is
provided on page 6.
1 The

data contain six transactions of $20,000 or more that can substantially alter some mean estimates. These
transactions are not erroneous.

4

For each variable, a description is provided which states what it is meant to represent, as well
as the coding of the original survey question which can be used to look the question up in the
survey questionnaire. When necessary, additional details are provided about how the variable was
altered or constructed from the original survey response. Additional histograms and unweighted
transaction-level summary statistics are provided for continuous-valued variables, while simple
tabulations and codings are provided for categorical variables.

Weighting
To allow for estimations that are representative of the United States, two sets of sample weights
are provided in the base dataset. The first set of base weights, ind weight, are individual-level
post-stratification weights. The second set of weights, day weight, are day-level weights. All
weights are relative weights – they have a mean of 1 and sum to the number of observations in the
dataset. When subsetting the data – especially by date – it may be necessary to generate your own
weights, and strictly speaking the day weights provided are not appropriate to use when including
diary day 0.
For more information about how the weights are constructed and the various type of weights
available in full weights, see 2015 Survey and Diary of Consumer Payment Choice Weighting Procedure (2016) by Marco Angrisani. While this document describes the method for creating
the 2015 weights, the general procedure is also applicable to 2016.

Significant changes from 2015
In order to improve measurement, the survey instrument underwent a number of small tweaks from
2015.
• The most significant tweaks occurred in the merchant follow-ups in the purchases module. The addition of new options meant that it was necessary to redefine the submerch and
subpurpose variables relative to 2015. This means that the codings of these variables are
now different, and data users must be cautious when attempting to append the two datasets
together.
• The variable automatic is now populated for all bills, not just bills reported in the bills
module.
• Respondents were now given the opportunity to report more than one bill of the same type
in the bills module.
• Information was gathered on the specific credit and debit cards possessed by the respondent.
Researchers can now identify which cards were used for which transaction. See the variables
prefixed with cc and dc below for more information.

5

Contents
Transaction-level Variables
tran . . . . . . . . . . .
accept card . . . . . . .
accept cash . . . . . . .
amnt . . . . . . . . . . .
amnt orig . . . . . . . .
automatic . . . . . . . .
bill . . . . . . . . . . . .
bill imp . . . . . . . . .
can postpone . . . . . .
cash2coin cointype . . .
cash2coin loc . . . . . .
cash move . . . . . . . .
cc used . . . . . . . . .
cd location . . . . . . .
check dep src . . . . . .
coin2cash coin amnt . .
coin2cash loc . . . . . .
coin2cash reimburse . .
cw location . . . . . . .
cw source . . . . . . . .
dc used . . . . . . . . .
debit auth . . . . . . . .
device . . . . . . . . . .
diary day . . . . . . . .
discount . . . . . . . . .
due date . . . . . . . . .
enough cash . . . . . . .
fee amnt . . . . . . . . .
fee flag . . . . . . . . .
fixed amount . . . . . .
from account . . . . . .
how authorized . . . . .
in person . . . . . . . .
income howpaid . . . . .
income type . . . . . . .
ind payee . . . . . . . .
late fee . . . . . . . . .
merch . . . . . . . . . .
merch orig . . . . . . . .
mobile funding . . . . .

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mobile method .
mobile type . . .
monord date . . .
monord source .
otherpi funding .
otherpi type . . .
ow type . . . . .
past service . . .
pay timing . . . .
payment . . . . .
pi . . . . . . . .
pin . . . . . . . .
pmt impt char . .
ppload loc . . . .
prior goods time
purpose . . . . .
purpose orig . . .
receipt timing . .
regularity . . . .
rem howmade . .
submerch . . . .
submerch orig . .
subpurpose . . .
subpurpose orig .
time . . . . . . .
to account . . . .
tran account . . .
tran days . . . . .
tran inst . . . . .
tran min . . . . .
type . . . . . . .
unexpected . . .
why not billpref .
why not pref . .
Day-level Variables
date . . . . . . .
acct mostused1 .
acct mostused2 .
carry acnt2acnt .
carry banp . . . .
carry cc . . . . .
carry chk . . . .

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53
54
55
56
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89

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.

89
90
91
92
93
94
95
96

carry csh . . . .
carry dc . . . .
carry mobile . .
carry monord .
carry obbp . . .
carry oth . . . .
carry paypal . .
carry svc . . . .
carry tc . . . .
daily weight . .
denom 100 end
denom 10 end .
denom 1 end .
denom 20 end .
denom 2 end .
denom 50 end .
denom 5 end .
e exp wording .
end cash bal . .
nopayments . .
payday tender .
paypal bal . . .
paypal bal date
paypal bal time
start cash bal .
traveled . . . .

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Individual-level Variables
prim key . . . . . . . .
cc chip 1 . . . . . . .
cc chip 2 . . . . . . .
cc chip 3 . . . . . . .
cc chip 4 . . . . . . .
cc chip 5 . . . . . . .
cc chip 6 . . . . . . .
cc hasbal 1 . . . . . .
cc hasbal 2 . . . . . .
cc hasbal 3 . . . . . .
cc hasbal 4 . . . . . .
cc hasbal 5 . . . . . .
cc hasbal 6 . . . . . .
cc num . . . . . . . .
cc repay plan . . . . .

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97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122

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122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137

cc rewards 1 . . .
cc rewards 2 . . .
cc rewards 3 . . .
cc rewards 4 . . .
cc rewards 5 . . .
cc rewards 6 . . .
cc type 1 . . . .
cc type 2 . . . .
cc type 3 . . . .
cc type 4 . . . .
cc type 5 . . . .
cc type 6 . . . .
census division .
chk bal day0 . .
chk bal day3 . .
citizen . . . . . .
dc acct 1 . . . .
dc acct 2 . . . .
dc acct 3 . . . .
dc acct 4 . . . .
dc acct 5 . . . .
dc logo 1 . . . .
dc logo 2 . . . .
dc logo 3 . . . .
dc logo 4 . . . .
dc logo 5 . . . .
dc num . . . . .
dc rewards 1 . .
dc rewards 2 . .
dc rewards 3 . .
dc rewards 4 . .
dc rewards 5 . .
denom 100 stored
denom 10 stored
denom 1 stored .
denom 20 stored
denom 2 stored .
denom 50 stored
denom 5 stored .
e exp cc . . . . .
e exp chk . . . .
e exp cover . . .

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138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179

e exp csh . . . . .
e exp fam . . . . .
e exp heloc . . . .
e exp od . . . . . .
e exp pawn . . . .
e exp payday . . .
e exp sav . . . . .
gpr bal day0 . . . .
hh size . . . . . . .
highest education .
hispaniclatino . . .
home debt . . . . .
home value . . . .
homeowner . . . .
inc alimony . . . .
inc alimony freq .
inc child . . . . . .
inc child freq . . .
inc gov . . . . . .
inc gov freq . . . .
inc intdiv . . . . .
inc intdiv freq . . .
inc rent . . . . . .
inc rent freq . . . .
inc retempl . . . .
inc retempl freq . .
inc retsav . . . . .
inc retsav freq . . .
inc self . . . . . .
inc self freq . . . .
inc ss . . . . . . .
inc ss freq . . . . .
inc wage . . . . . .
inc wage freq . . .
income hh . . . . .
ind weight . . . . .
interest level . . . .
last income date . .
layaway . . . . . .
male . . . . . . . .
marital status . . .
memory checkbook

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180
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memory finrec . . . . . . .
memory lpd . . . . . . . .
memory oth . . . . . . . .
memory receipts . . . . .
mobile howfunded . . . .
new loan . . . . . . . . . .
new loan amnt . . . . . .
next income date . . . . .
other assets . . . . . . . .
other debts . . . . . . . .
payday loan . . . . . . . .
paypref 100plus . . . . . .
paypref 10to25 . . . . . .
paypref 25to50 . . . . . .
paypref 50to100 . . . . . .
paypref b1 . . . . . . . . .
paypref b1 why . . . . . .
paypref b2 . . . . . . . . .
paypref b2 why . . . . . .
paypref lt10 . . . . . . . .
paypref nb1 . . . . . . . .
paypref nb1 why . . . . .
paypref nb2 . . . . . . . .
paypref nb2 why . . . . .
paypref web . . . . . . . .
paypref web why . . . . .
race asian . . . . . . . . .
race black . . . . . . . . .
race other . . . . . . . . .
race white . . . . . . . . .
scpc date . . . . . . . . .
state reside . . . . . . . .
storedcash amnt . . . . . .
storedcash amnt payments
storedcash amnt savings .
used fsa . . . . . . . . . .
used heloc . . . . . . . . .
why nocash . . . . . . . .
work disabled . . . . . . .
work employed . . . . . .
work looking . . . . . . .
work occupation . . . . .

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264

work
work
work
work
work

onleave . . . . .
oth . . . . . . . .
retired . . . . . .
self . . . . . . .
temp unemployed

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265
266
267
268
269

Transaction-level Variables

tran
Description
Within-day transaction counter.
Survey Question
N/A
Details
Constructed by ordering the transactions according to time, and then creating an ascending counter.
Back to top
0

2

N
min
16212
1

13

4

med
2

6

8

mean
max
2.66179 28

10

sd
2.19379

Transaction-level Variables

accept card
Description
Whether a credit or debit card would have been
accepted for this transaction.

accept card
0
1
2
Total

Survey Question
q101j
Coding
0
1
2

No
Yes
I don’t know
Back to top

14

No.
526
2,648
275
3,449

%
15
77
8
100

Transaction-level Variables

accept cash
Description
Whether cash would have been accepted for
this transaction.

accept cash
0
1
2
3
Total

Survey Question
q103g
Coding
0
1
2
3

No
Yes
I’m not sure, but I think so
I’m not sure, but I don’t think so
Back to top

15

No.
123
4,944
41
11
5,119

%
2
97
1
0
100

Transaction-level Variables

amnt
Description
Dollar amount of the transaction, cleaned.
Survey Question
Filled in by respondent in nearly every module.
Details
Individual dollar-value cleaning is performed
according to a subjective ”smell-test”. This is
to control for extremely large outliers which
are, generally, the result of misplaced decimal
points. Original dollar amounts are maintained
0
500
in the variable amnt orig. Data users may noN
min
tice that some large transactions have been maintained. This is usually because we were able to 16212 0.01
confirm that they are genuine.
Back to top

16

1000

med
27.75

1500

mean
219.79

2000

2500

max
168000

sd
1877.4

Transaction-level Variables

amnt orig
Description
Dollar amount of the transaction, uncleaned.
Survey Question
Filled in by respondent in nearly every module.
Details
Uncleaned values. See amnt for cleaned values.
Back to top
0

N
16212

17

1000

min
-3.76

med
27.755

2000

mean
228.385

3000

max
168000

sd
1982.39

Transaction-level Variables

automatic
Description
Whether the bill was paid manually or automatically.

automatic
0
1
Total

Survey Question
pay002 autom, or a radio button in the bills
module
Coding
0
1

No
Yes
Back to top

18

No.
2,450
849
3,299

%
74
26
100

Transaction-level Variables

bill
Description
Whether this transaction was a bill.

bill
0
1
Total

Survey Question
pay002, “other” responses.

No.
9,843
3,477
13,320

%
74
26
100

Details
Question pay002 is used to identify bills reported in the purchases module. All bills reported in the bills reminder module are bills
by definition. Observations for which “other”
was chosen are manually recategorized. Note
that, due to the wording of the question, a very
large proportion of respondents (about 25-30
percent) chose “other” and described their payment in words. We attempted to come up with rules for recategorizing these responses, as there
were too many to do each one individually.
Coding
0
1

No
Yes
Back to top

19

Transaction-level Variables

bill imp
Description
Whether this transaction was originally reported
as a bill in the dairy or changed to a bill during
the data cleaning process.

bill imp
1
Total

Survey Question
pay002, or the various text entry fields in the
diary.
Details
If the respondent typed certain key words – such
as “rent” or “bill” – into the “other” field of
pay002, the transaction was recategorized as a
bill. Additionally, in some special cases, transactions were recategorized as bills due to other
information elsewhere in the diary.
Coding
0
1

Original value
Cleaned value
Back to top

20

No.
98
98

%
100
100

Transaction-level Variables

can postpone
Description
Whether this transaction could have been postponed without penalty.

can postpone
0
1
Total

Survey Question
q151 b
Coding
0
1

No
Yes
Back to top

21

No.
1,424
1,095
2,519

%
57
43
100

Transaction-level Variables

cash2coin cointype
Description
Main type of coin received when converting
from cash.

cash2coin cointype
1
2
3
Total

Survey Question
Dropdown box in the cash-to-coin module.
Coding
1
2
3
4
5

Dollar coins
Quarters
Dimes
Nickels
Pennies
Back to top

22

No.
2
15
1
18

%
11
83
6
100

Transaction-level Variables

cash2coin loc
Description
Cash to coin conversion location.

cash2coin loc
1
2
3
4
Total

Survey Question
Dropdown box in the cash-to-coin module.
Coding
1
2
3
4
5
6

Change machine/kiosk
Bank teller
Store clerk
Family or friend
Post office
Other
Back to top

23

No.
3
1
12
2
18

%
17
6
67
11
100

Transaction-level Variables

cash move
Description
Cash movements from one form or location to
another.

cash move
1
2
3
4
Total

Survey Question
q106a-d, q120, q122
Details
Amounts are reported in q106a-d, q120, q122,
and cash move is used to identify which question the transaction amount came from.
Coding
1
2
3
4
5
6

Pocket to storage
Storage to pocket
Cash stolen/lost
Unexpected receipt of cash
Cash to foreign currency
Foreign currency to cash
Back to top

24

No.
111
83
7
104
305

%
36
27
2
34
100

Transaction-level Variables

cc used
Description
Which of the respondent’s credit cards was used.
The response to this question corresponds to
the suffix of the other cc variables.
Survey Question
q201c
Coding
6

Another credit card
Back to top

25

cc used
1
2
3
4
5
6
Total

No.
1,712
274
53
17
4
306
2,366

%
72
12
2
1
0
13
100

Transaction-level Variables

cd location
Description
Cash deposit location.

cd location No.
1
28
2
63
3
19
Total
110

Survey Question
Drop-down box in the cash deposits module.
Called “Deposit Method” in the questionnaire.
Coding
1
2
3

ATM
Bank teller
Other
Back to top

26

%
25
57
17
100

Transaction-level Variables

check dep src
Description
The source of the checking deposit.

check dep src
1
4
6
7
8
9
Total

Survey Question
Drop-down box in the checking deposits module.
Coding
1
2
3
4
5
6
7
8
9

Check (personal or business)
Money order
Traveler’s check
Cashier’s check
Certified check
Transfer from another account
Direct deposit of income
Venmo cash out
Other
Back to top

27

No.
126
1
87
221
2
32
469

%
27
0
19
47
0
7
100

Transaction-level Variables

coin2cash coin amnt
Description
Dollar value of coins to converted to cash.
Survey Question
Filled in during the coin-to-cash/cash-to-coin
module.
Details
The cash-to-coin/coin-to-cash module is an errorchecking module, and only shown to respondents whose daily cash balance implied by their
cash transactions does not match their reported
end-of-day cash holdings.
Back to top

28

0

N min
17
0

10

med
9

20

30

mean
max
19.5482 50

40

sd
21.6471

Transaction-level Variables

coin2cash loc
Description
Coin to cash conversion location.

coin2cash loc
1
2
3
4
5
Total

Survey Question
Drop-down box in the coin-to-cash/cash-to-coin
module.
Details
The cash-to-coin/coin-to-cash module is an errorchecking module, and only shown to respondents whose daily cash balance implied by their
cash transactions does not match their reported
end-of-day cash holdings.
Coding
1
2
3
4
5

Coin machine/kiosk
Bank teller
Store
Family or friend
Other
Back to top

29

No.
1
5
3
4
4
17

%
6
29
18
24
24
100

Transaction-level Variables

coin2cash reimburse
Description
Form in which cash was received.

coin2cash reimburse
0
2
Total

Survey Question
Drop-down box in the coin-to-cash/cash-to-coin
module.
Details
The response “no” has been set to 0, and the
other responses have been adjusted accordingly.
Also note that the cash-to-coin/coin-to-cash module is an error-checking module, and only shown
to respondents whose daily cash balance implied by their cash transactions does not match
their reported end-of-day cash holdings.
Coding
0
5

No
Store credit
Back to top

30

No.
16
1
17

%
94
6
100

Transaction-level Variables

cw location
Description
Cash withdrawal location.

cw location No.
1
176
2
75
3
73
4
284
5
4
6
62
7
14
8
2
9
91
Total
781

Survey Question
Drop-down box in the cash withdrawals module.
Coding
1
2
3
4
5
6
7
8
9

ATM
Cash back at retail store
Bank teller
Family or friend
Check cashing store
Employer
Cash refund from returning goods
Payday lender
Other
Back to top

31

%
23
10
9
36
1
8
2
0
12
100

Transaction-level Variables

cw source
Description
Source of funds for cash withdrawal.

cw source No.
1
258
2
22
3
70
4
39
5
9
6
17
7
294
8
72
Total
781

Survey Question
Drop-down box in the cash withdrawals module.
Coding
1
2
3
4
5
6
7
8

Checking account
Savings or other bank account
Salary/wages/tips
Cashing a check
Credit card cash advance
Prepaid card cash withdrawal
Another person
Other
Back to top

32

%
33
3
9
5
1
2
38
9
100

Transaction-level Variables

dc used
Description
Which of the respondent’s debit cards was used.
The response to this question corresponds to
the suffix of the other dc variables.

dc used No.
1
2,856
2
152
3
6
6
230
Total
3,244

Survey Question
q201d
Coding
5

Another debit card
Back to top

33

%
88
5
0
7
100

Transaction-level Variables

debit auth
Description
Method of debit authorization (signature or PIN).
Survey Question
q101c
Coding
1
2
3
4
5
6

PIN
Signature
CVC/CVV code
None of these
Some of combination of these two
Other
Back to top

34

debit auth
1
2
3
4
5
6
Total

No.
1,546
748
223
686
20
82
3,305

%
47
23
7
21
1
2
100

Transaction-level Variables

device
Description
Device used to complete transaction.

device
1
2
3
4
5
6
7
Total

Survey Question
Drop-down box in the purchases and bills modules.
Details
Responses are presented as they were reported
by the respondent. Note that some of the values
of this variable do not “make sense”. Nonetheless, we have chosen not to leave them alone
and allow the researcher to interpret them as
they see fit.
Coding
1
2
3
4
5
6
7

Computer
Tablet
Mobile phone
Landline phone
Mail
Some other device not listed
No device
Back to top

35

No.
1,467
164
602
94
377
825
9,724
13,253

%
11
1
5
1
3
6
73
100

Transaction-level Variables

diary day
Description
Diary days are numbered between 0 and 3. Note
that certain account balances and income payments are reported on diary day 0, but no transactions.
Survey Question
N/A
Back to top

36

Transaction-level Variables

discount
Description
Whether a discount was received for using the
chosen payment instrument.

discount
0
1
Total

Survey Question
q101aaa, q101d, q101f
Coding
0
1

No
Yes
Back to top

37

No.
8,900
215
9,115

%
98
2
100

Transaction-level Variables

due date
Description
Date on which this bill was due.
Survey Question
q67 a
Details
Converted to Stata date format.
Back to top

20700

N
1790

38

20750

min
20696

med
20747

20800

mean
20751.3

max
21960

20850

sd
43.5846

Transaction-level Variables

enough cash
Description
Whether respondent had enough cash available
to pay for this transaction.

enough cash No.
0
2,653
1
2,368
2
77
3
19
Total
5,117

Survey Question
q103f
Coding
0
1
2
3

No
Yes
I’m not sure, but I think so
I’m not sure, but I don’t think so
Back to top

39

%
52
46
2
0
100

Transaction-level Variables

fee amnt
Description
The amount of fee paid for this transaction.
Survey Question
Entered in the Remittances and Checking Transfers modules.
Back to top

0

N min
122
0

40

1

med
0

2

mean
0.0654918

max
4.99

3

sd
0.525206

Transaction-level Variables

fee flag
Description
Whether a fee was charged.

fee flag
0
1
Total

Survey Question
q101g, and as reported in several modules.
Coding
0
1

No
Yes
Back to top

41

No.
2,891
64
2,955

%
98
2
100

Transaction-level Variables

fixed amount
Description
Whether this recurring bill is a fixed amount
each cycle, or whether it varies.

fixed amount
0
1
Total

Survey Question
pay002e
Coding
1
2

Same amount each bill
Amount changes from bill to bill
Back to top

42

No.
397
555
952

%
42
58
100

Transaction-level Variables

from account
Description
The account from which the funds for this transaction were sourced.
Survey Question
N/A
Details
from account and to account are purely constructed variables which tracks the movement
of money between accounts, as well as tracking
which accounts expenditures came from and which
accounts income went to. They should generally be used in conjunction with type to truly
understand the movement of money.
Coding
1
2
3
4
5
6
7
8

Currency
Primary checking
Other DDA account
Nonfiancial deposit account (e.g. paypal, prepaid card)
Investment account
Credit account
Other long-term assets
Other account (including uncashed checks and money orders)
Back to top

43

from account
1
2
3
4
5
6
8
Total

No.
4,128
4,918
64
528
22
2,429
24
12,113

%
34
41
1
4
0
20
0
100

Transaction-level Variables

how authorized
Description
How the debit, credit, or prepaid card transaction was authorized.

how authorized No.
1
2,395
2
1,181
3
8
4
832
5
28
Total
4,444

Survey Question
g201g
Coding
1
2
3
4
5

Swiping the card
Inserting the card’s chip
Tapping, waving, or other contactless method
Handing the card to an employee, such as a waiter or waitress
Some other method of authorization
Back to top

44

%
54
27
0
19
1
100

Transaction-level Variables

in person
Description
Whether the transaction occurred in person.

in person
0
1
Total

Survey Question
Drop-down box in several modules.
Coding
0
1

No
Yes
Back to top

45

No.
3,282
10,038
13,320

%
25
75
100

Transaction-level Variables

income howpaid
Description
How this income was paid to the respondent.

income howpaid
1
2
3
4
5
6
7
8
Total

Survey Question
q143 a-i
Details
Note that to account is based on this variable
for income receipts, though this variable provides slightly better granularity.
Coding
1
2
3
4
5
6
7
8

Direct deposit to primary checking
Direct deposit to other account
Direct deposit to multiple accounts
Paper check
Cash
Payroll card
General purpose reloadable prepaid card
Other
Back to top

46

No.
561
64
31
178
79
7
22
38
980

%
57
7
3
18
8
1
2
4
100

Transaction-level Variables

income type
Description
Type of income payment.

income type No.
1
566
2
48
3
124
4
95
5
30
6
31
7
47
8
2
9
32
10
17
Total
992

Survey Question
q142 a-I, q144 a-i
Details
This factor variable is defined based on which
type(s) of income the respondent reported receiving that day. When the respondent reported
receiving multiple types of income, multiple
transactions are created to match, each with a
different value for income type.
Coding
1
2
3
4
5
6
7
8
9
10

Employment income
Self-employment income
Social security
Employer-paid retirement
IRA, Roth IRA, 401k or other retirement
Interest and dividends
Rental income
Government assistance
Alimony
Child support

Back to top

47

%
57
5
12
10
3
3
5
0
3
2
100

Transaction-level Variables

ind payee
Description
Type of person to which payment was made.

ind payee
1
2
3
4
5
Total

Survey Question
pay080, pay081
Details
These two followups are combined, for convenience.
Coding
1
2
3
4
5

Person who provides goods/service (business)
Person who provides goods/services (non-business)
Friends or family
Coworker, classmate, or fellow military
Other people
Back to top

48

No.
59
54
223
44
48
428

%
14
13
52
10
11
100

Transaction-level Variables

late fee
Description
Whether a late fee was charged for this payment.

late fee
0
1
Total

Survey Question
q67 e
Coding
0
1

No
Yes
Back to top

49

No.
1,737
69
1,806

%
96
4
100

Transaction-level Variables

merch
Description
Merchant – 8 categories.
Survey Question
Drop-down box in the purchases module and
pay090 for 9-coded merchants. Questions q66 02,
q66 07, q66 08, q66 09, q66 11, q66 20, q66 21,
q66 22, q66 23, q66 35 in the bills module.
Details
As reported in the purchases module, with 9coded merchants being recategorized based on
the followup pay090 and 10-coded merchants
set to missing. The bills module followups (q66 *)
are recategorized into the 8 merchant codes.
Coding
1
2
3
4
5
6
7
8
9

Financial services provider
Education provider
Medical care provider
Government
Non-profit/charity
A person
Retail store or online retailer
Business that primarily sells services
Other
Back to top

50

merch
1
2
3
4
5
6
7
8
Total

No.
1,177
95
250
344
340
513
8,469
1,863
13,051

%
9
1
2
3
3
4
65
14
100

Transaction-level Variables

merch orig
Description
The original merchant category that the respondent used to report the payment, without any
recategorization of other responses, or backwardsimputation of bill reminder module payments
into merchant categories, etc.
Survey Question
Drop-down box in the purchases module.
Coding
1
2
3
4
5
6
7
8
9

Financial services provider
Education provider
Medical care provider
Government
Non-profit/charity
A person
Retail store or online retailer
Business that primarily sells services
Other
Back to top

51

merch orig
No.
1
326
2
62
3
197
4
161
5
172
6
428
7
7,876
8
809
9
1,316
Total
11,347

%
3
1
2
1
2
4
69
7
12
100

Transaction-level Variables

mobile funding
Description
How this mobile payment was funded.

mobile funding
1
2
4
5
6
Total

Survey Question
q101 mobile b
Coding
1
2
3
4
5
6

Credit card
Debit card
Prepaid card
Linked bank account
Money stored in payment service (e.g. paypal)
Other
Back to top

52

No.
14
16
7
1
4
42

%
33
38
17
2
10
100

Transaction-level Variables

mobile method
Description
How this mobile payment was completed.

mobile method
1
2
3
4
Total

Survey Question
q150
Coding
1
2
3
4

Tapped to pay
Scanned QR code or showed screen to cashier
Paid in advance or remotely (e.g. Uber)
Used a web browser
Back to top

53

No.
24
37
22
11
94

%
26
39
23
12
100

Transaction-level Variables

mobile type
Description
Type of mobile payment.

mobile type
1
3
4
Total

Survey Question
q101 mobile a
Coding
1
2
3
4

App payment
Text message payment
Payment made in browser
Other
Back to top

54

No.
34
2
6
42

%
81
5
14
100

Transaction-level Variables

monord date
Description
Date on which the money order was purchased.

monord date
1
2
3
Total

Survey Question
q103s
Coding
1
2
3
4
5

Today
1 to 6 days ago
7 to 13 days ago
14 to 29 days ago
30 or more days ago
Back to top

55

No.
7
1
2
10

%
70
10
20
100

Transaction-level Variables

monord source
Description
Where the money order was purchased from.

monord source
1
2
3
4
Total

Survey Question
q103r
Coding
1
2
3
4

Bank
Post office
Western Union or someplace similar
Other
Back to top

56

No. %
2
20
2
20
2
20
4
40
10 100

Transaction-level Variables

otherpi funding
Description
The method by which the ’other’ payment instrument is funded.

otherpi funding
1
2
4
5
Total

Survey Question
q101i followup
Coding
1
2
3
4
5

Credit card
Debit card
Prepaid card
Bank account number
Other
Back to top

57

No.
18
5
4
1
28

%
64
18
14
4
100

Transaction-level Variables

otherpi type
Description
The type of ’other’ payment instrument used by
the respondent.

otherpi type
1
5
Total

Survey Question
q101i
Coding
1
2
3
4
5

EZPass or other electronic toll device
Apple Pay
Bitcoin or other virtual currency
Remittance
Other
Back to top

58

No. %
29 38
48 62
77 100

Transaction-level Variables

ow type
Description
The type of “Other Withdrawal” reported in the
other withdrawals module. This is a place for
respondents to report if they purchased any money
orders, traveler’s checks, or certified checks on
a diary day.
Survey Question
N/A
Coding
1
2
3

Money order
Traveler’s check
Certified check
Back to top

59

ow type
1
2
3
Total

No.
27
1
2
30

%
90
3
7
100

Transaction-level Variables

past service
Description
Whether payment was for medical goods or services received in the past or future.

past service
1
2
3
4
Total

Survey Question
pay031, pay032
Details
Variable is set to 0 based on the response to
pay031. Otherwise, the codings to pay032 are
used.
Coding
1
2
3
4

Within last month
Between 1 and 3 months ago
Between 3 months and 1 year ago
More than 1 year ago
Back to top

60

No.
65
24
12
2
103

%
63
23
12
2
100

Transaction-level Variables

pay timing
Description
When OBBP/BANP payment is scheduled to
pay.

pay timing
1
2
Total

Survey Question
q103n
Coding
1
2

Today
In the future
Back to top

61

No.
496
100
596

%
83
17
100

Transaction-level Variables

payment
Description
Whether the transaction is a payment. A payment is defined as a transaction with a nonmissing payment instrument. It may, in some
cases, be an asset transfer – for instance, if a
person uses a debit card to buy a bond – or it
may be an expenditure – buying a cup of coffee
with cash. It does not, however, include direct
transfers from one owned account to another.

payment
0
1
Total

Survey Question
N/A
Details
For non-placeholder transactions, payment is
set equal to 1 if pi is not missing, or if the transaction was reported in the Purchases or Bills
module of the questionnaire. Otherwise it is
set to 0.
Coding
0
1

No
Yes
Back to top

62

No.
2,854
13,357
16,211

%
18
82
100

Transaction-level Variables

pi
Description
Payment instrument.

pi
0
1
2
3
4
5
6
7
8
10
11
12
13
14
Total

Survey Question
Drop-down box in a large number of modules.
Details
Note that while “Traveler’s Check” was an option, it was never chosen by respondents.
Coding
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

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-account transfer
Mobile phone payment
Other payment method
Deduction from income

Back to top

63

No.
57
4,018
974
2,530
3,573
310
629
709
24
97
112
61
95
78
13,267

%
0
30
7
19
27
2
5
5
0
1
1
0
1
1
100

Transaction-level Variables

pin
Description
Whether a PIN was used for this transaction.

pin
0
1
Total

Survey Question
q101c
Details
An indicator variable constructed from q101c’s
“PIN” response. It is included for convience,
and to help the data match 2012.
Coding
0
1

No
Yes
Back to top

64

No.
1,759
1,546
3,305

%
53
47
100

Transaction-level Variables

pmt impt char
Description
The most important reason that the respondent
chose this payment instrument.
Survey Question
q201b
Details
Note that q201b is only asked if the respondent
chooses something other than their preferred
payment instrument for that type of transaction, i.e. paypref nb1. In cases where the
respondent uses their preferred payment instrument, we set pmt impt char to be paypref nb1 why
for nonbills or paypref b1 why for bills.
Coding
1
2
3
4
5
6
7
8
9
10

Security
Accepted lots of places
Cost
Convenience
Budget control
Rewards
Speed
Payment records
Getting and setting up
Other

Back to top

65

pmt impt char No.
1
702
2
727
3
670
4
569
5
553
6
514
7
419
8
401
9
378
10
80
Total
5,013

%
14
15
13
11
11
10
8
8
8
2
100

Transaction-level Variables

ppload loc
Description
Location of prepaid load.

ppload loc
1
2
3
4
5
8
Total

Survey Question
Drop-down box in the prepaid loads module.
Coding
1
2
3
4
5
6
7
8

Retail location
Online
Mobile phone
ATM
Card machine
Bank teller
Check casher
Other location
Back to top

66

No.
7
8
4
2
1
5
27

%
26
30
15
7
4
19
100

Transaction-level Variables

prior goods time
Description
Approximate time when goods or services were
ordered or received.

prior goods time
1
2
3
4
Total

Survey Question
pay702
Coding
1
2
3
4

Within the last month
Between 1 and 3 months ago
Between 3 months and 1 year ago
Longer than 1 year ago
Back to top

67

No.
196
13
4
8
221

%
89
6
2
4
100

Transaction-level Variables

purpose
Description
A qualitative description of the payment’s purpose, as determined by the various merchant
followup questions, as well as the categories in
the bill reminder module.
Survey Question
pay010, pay020, pay030, pay040, pay041, pay050,
pay082, pay090, pay700, as well as the bill reminder categories
Details
In general, the diary has two kinds of merchant
followups: “who did you pay” and “what did
you buy”. This variable is constructed based
on the response to the “what did you buy” followup responses. A complete treatment of the
mapping between the various questions and their
ultimate codings cannot be given here. However, careful study of the questionnaire and the
values of this variable should make it clear how
the responses were categorized.
Coding
1
2
3
4
5
6
7
8

Loan repayment
Insurance payment
Travel or transportation
Utilities
Government taxes or fines
Housing (excluding utilities)
Miscellaneous goods or services
Other purpose
Back to top
68

purpose
1
2
3
4
5
6
7
Total

No.
902
299
277
920
99
128
1,287
3,912

%
23
8
7
24
3
3
33
100

Transaction-level Variables

purpose orig
Description
The original merchant purpose that the respondent used to report the payment, without any
recategorization. Note that some of the information used to recategorize responses is not available for privacy reasons. As such, using purpose
is recommended.
Survey Question
pay010, pay020, pay030, pay040, pay041, pay050,
pay082, pay090, pay700, as well as the bill reminder categories
Details
In general, the diary has two kinds of merchant
followups: “who did you pay” and “what did
you buy”. This variable is constructed based
on the response to the “what did you buy” followup responses. A complete treatment of the
mapping between the various questions and their
ultimate codings cannot be given here. However, careful study of the questionnaire and the
values of this variable should make it clear how
the responses were categorized.

69

purpose orig
1
3
4
5
7
Total

No.
285
209
233
12
496
1,235

%
23
17
19
1
40
100

Coding
1
2
3
4
5
6
7
8

Loan repayment
Insurance payment
Travel or transportation
Utilities
Government taxes or fines
Housing (excluding utilities)
Miscellaneous goods or services
Other purpose
Back to top

70

Transaction-level Variables

receipt timing
Description
Whether bill payment was for previously received goods/services or future goods/services.

receipt timing No.
1
951
2
465
Total
1,416

Survey Question
pay002d
Coding
1
2

Previously received goods/services
Goods/services to be received in the future
Back to top

71

%
67
33
100

Transaction-level Variables

regularity
Description
The regularity of the bill.

regularity
1
2
3
Total

Survey Question
pay002
Details
pay002 asks not only whether the payment was
a bill, but whether the bill is paid regularly.
This variable is constructed from the “regularity” portion of the question.
Coding
1
2
3

Regularly recurring
One time
Recurring but irregular
Back to top

72

No.
1,336
333
137
1,806

%
74
18
8
100

Transaction-level Variables

rem howmade
Description
How the remittance was made.

rem howmade
7
Total

Survey Question
Drop-down box is the remittances module.
Coding
Back to top

73

No.
1
1

%
100
100

Transaction-level Variables

submerch
Description
A more specific set of merchant categories, where
possible. The variable submerch is based on
four followup questions which are reached when
the respondent chooses merchants ”Medical care
provider”, ”Retail store or online retailer”, or
”Other merchant”. Note that ”Other merchant”
does not appear is the final version of the dataset,
as all of the transactions were recategorized based on the followups.
Survey Question
pay030, pay600, pay602, pay090
Details
In general, the diary has two kinds of merchant
followups: ”who did you pay” and ”what did
you buy”. This variable is constructed based on
the response to the ”who did you pay” followup
responses. pay030 responses 1 through 4 are
given their own categories, as are all pay600
responses excluding 4 (which is given a subpurpose
code). Other than that, it is based entirely on responses to pay090.

74

Coding
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44

Doctor, dentist, other health care professional
Hospital, residential care, other medical institution
Pharmacy
Insurance company
Grocery store/supermarket
Fast food restaurant, food service, food truck
Coffee shop
Sit-down restaurant
Bar
Gas station
Convenience store
Large retailer (Walmart, etc)
Home improvement
Online retailer
Liquor store
Pet store/pet grooming
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
Furniture and home goods stores, appliance and electronics stores, hardware and gard estore and websites
Mail, delivery and storage
Rental centers
Movie theaters
Online shopping
Online and print news, online games
Other stores (book, florist, hobby, music, office supply, pet, sporting goods) and websites
Personal care, dry cleaning, pet grooming and sitting, photo processing salons and stores
Stores that repair electronics and personal and household goods
Tuition, Child care, Elder care, youth and family services, emergency and other relief services
Employment services, travel agents, security services, office and administrative services
Repair/maintenance services for electronics and personal and household goods
Vending machines
Veterinarians
Entertainment, recreation, arts, museums
Movie theaters
Legal, accounting, architectural, and other professional services
Hotels and motels, RV parks, camps
Rent, real estate agents, and brokers
Building contractors (HVAC etc)
Building services
Sporting events
Casinos, gambling, lotteries
Vehicle maintenance

to top

75

Back

Transaction-level Variables

submerch orig
Description
The original submerchant that the respondent
used to report the payment, without any recategorization. Note that some of the information
used to recategorize responses is not available
for privacy reasons. As such, using submerch
is recommended.
Survey Question
pay030, pay600, pay602, pay090
Details
In general, the diary has two kinds of merchant
followups: ”who did you pay” and ”what did
you buy”. This variable is constructed based on
the response to the ”who did you pay” followup
responses. pay030 responses 1 through 4 are
given their own categories, as are all pay600
responses excluding 4 (which is given a subpurpose
code). Other than that, it is based entirely on responses to pay090.
Back to top

76

Transaction-level Variables

subpurpose
Description
A more specific set of purpose categories, where
possible. Missing values of subpurpose should
be interpreted to mean that no more specific
categorization of this transaction’s purpose is
possible. They should not be interpreted to
mean that the transaction does not belong in
any of the other categories. For example it is
entirely possible that a transaction with purpose code 1 and a missing subpurpose category is a
mortgage payment, even though mortgage is one of the possible subpurpose categories.
Survey Question
pay010, pay020, pay030, pay040, pay041, pay050,
pay082, pay090, pay700, as well as the bill reminder categories
Details
In general, the diary has two kinds of merchant
followups: ”who did you pay” and ”what did
you buy”. This variable is constructed based
on the response to the ”what did you buy” followup responses. A complete treatment of the
mapping between the various questions and their
ultimate codings cannot be given here. However, careful study of the questionnaire and the values of this variable should make it clear how the
responses were categorized.

77

Coding
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44

Credit card
Mortgage
HEL/HELOC
Auto/car loan
Installment loan
Zero-interest or no-money-down loan
Payday loan
Student loan
Marketplace or peer-to-peer loan
Loan from another person
Health insurance
Life insurance
Umbrella insurance
Vehicle insurance
Homeowner’s or renter’s insurance
Other type of insurance
Parking
Tolls
Public transportation
Trash collection
Electricity/natural gas/water/sewer/heating oil/propane
Landline, cable, internet, mobile phone (possibly bundled)
Federal taxes
State taxes
Local taxes
Property taxes
Car/vehicle taxes
Rent
Building contractor services
Building services
Homeowner’s association or condo fees
Personal gift or allowance
Alimony/child support
Charitable donation
Pay a fee
Transfer money to another account
Make an investment
Lend money
Memberships and subscriptions
Used goods
Tuition
Child care
Purchase goods and services
Split a check or share expenses

78

Back to top

Transaction-level Variables

subpurpose orig
Description
The original subpurpose that the respondent used
to report the payment, without any recategorization. Note that some of the information used
to recategorize responses is not available for
privacy reasons. As such, using subpurpose
is recommended.
Survey Question
pay010, pay020, pay030, pay040, pay041, pay050,
pay082, pay090, pay700, as well as the bill reminder categories
Details
In general, the diary has two kinds of merchant
followups: ”who did you pay” and ”what did
you buy”. This variable is constructed based
on the response to the ”what did you buy” followup responses. A complete treatment of the
mapping between the various questions and their
ultimate codings cannot be given here. However, careful study of the questionnaire and the values of this variable should make it clear how the
responses were categorized.
Back to top

79

Transaction-level Variables

time
Description
The time of the transaction.
Survey Question
Clock widget in the various modules.
Details
Coded simply as a 24-hour clock – i.e. a value
of 0 is midnight, 100 is 1 AM, 1400 is 2 PM,
etc.
Back to top

80

Transaction-level Variables

to account
Description
The account to which the funds for this transaction were transfered.
Survey Question
N/A
Details
from account and to account are purely constructed variables which tracks the movement
of money between accounts, as well as tracking
which accounts expenditures came from and which
accounts income went to. They should generally be used in conjunction with type to truly
understand the movement of money.
Coding
1
2
3
4
5
6
7
8

Currency
Primary checking
Other DDA account
Nonfiancial deposit account (e.g. paypal, prepaid card)
Investment account
Credit account
Other long-term assets
Other account (including uncashed checks and money orders)
Back to top

81

to account
1
2
3
4
5
6
7
8
Total

No.
1,137
1,035
179
30
17
704
126
270
3,498

%
33
30
5
1
0
20
4
8
100

Transaction-level Variables

tran account
Description
Checking transfer-specific followup regarding
the destination account.
Survey Question
Drop-down box in the checking transfers (checking withdrawals) module.
Coding
1
2
3
4
5
6
7

Another checking or savings account I own
Another checking or savings account belonging to someone else
Investment account I own
Investment account belonging to someone else
General purpose reloadable prepaid card I own
General purpose reloadable prepaid owned by other person
Other
Back to top

82

tran account
1
2
3
4
5
6
7
Total

No.
89
25
7
2
1
1
16
141

%
63
18
5
1
1
1
11
100

Transaction-level Variables

tran days
Description
Number of days in which the recipient of the
checking transfer is supposed to receive the funds.
Survey Question
Drop-down box in the checking transfers (checking withdrawals) module.
Details
Note that the value is the number of days, except for 8 which is coded to mean “more than
one week”.
Coding
8

More than one week
Back to top

83

tran days
0
1
2
3
5
8
Total

No.
101
7
6
1
2
1
118

%
86
6
5
1
2
1
100

Transaction-level Variables

tran inst
Description
Whether the funds were transferred to an account at the same institution.

tran inst
0
1
Total

Survey Question
Drop-down box in the checking transfers (checking withdrawals) module.
Coding
0
1

No
Yes
Back to top

84

No.
23
117
140

%
16
84
100

Transaction-level Variables

tran min
Description
Whether there was a transaction minimum for
this purchase using this payment instrument.

tran min
0
1
2
Total

Survey Question
q101k, q101m, q101n, q101u
Details
The different survey questions listed above relate to different types of payment instruments.
Coding
0
1
2

No
Yes
I don’t know
Back to top

85

No.
6,062
282
2,310
8,654

%
70
3
27
100

Transaction-level Variables

type
Description
The type of transaction – expenditure, transfer,
or income. Also identify placeholder observations.

type
0
1
2
3
Total

Survey Question
In some cases, based purely on the module in
which the transaction is reported. In other cases,
based on the response to followup questions.

No.
11,393
12,404
1,891
1,916
27,604

%
41
45
7
7
100

Details
Expenditures are defined as money or liquidity moving out of a respondent’s possession.
Transfers are defined as money or liquidity moving from one account/form to another – for instance, a cash withdawal. Income is defined
as money coming into the respondents possession. Expenditures typically come from the purchases or bills modules, income from the income module, and transfers from the rest of
the modules, though there are some exceptions.
Placeholder observations are added for every respondent-day, and exist to allow for easier filtering
of variables without having to worry about accidentally removing respondents from the dataset.
Coding
0
1
2
3

Placeholder
Expenditure
Transfer
Income
Back to top

86

Transaction-level Variables

unexpected
Description
Whether this expenditure was unexpected.

unexpected
0
1
Total

Survey Question
q151 a
Coding
0
1

No
Yes
Back to top

87

No.
2,165
353
2,518

%
86
14
100

Transaction-level Variables

why not billpref
Description
Why the respondent did not use his or her preferred bill payment method. The preferred payment method is as reported in variable paypref b1.
Survey Question
q103h
Coding
1
2
3
4
5
6
7
8
9
10

Preferred method not accepted
Did not have preferred method at hand
I did not have enough money available
Payment would have been late
Security of the transaction
Received a discount
Would have paid a surcharge
Transaction size
Different preference for this merchant
Other

Back to top

88

why not billpref No.
1
164
2
33
3
33
4
33
5
136
6
55
7
31
8
192
9
890
10
342
Total
1,909

%
9
2
2
2
7
3
2
10
47
18
100

Transaction-level Variables

why not pref
Description
Why the respondent did not use his or her preferred non-bill payment method. The preferred
payment method is as reported in variable paypref nb1.
Survey Question
q103b
Coding
1
2
3
4
5
6
7
8
9

Preferred method not accepted
Did not have preferred method at hand
Speed of payment
Security of the transaction
Received a discount
Would have paid a surcharge
Transaction size
Different preference for this merchant
Other
Back to top

89

why not pref No.
1
264
2
261
3
405
4
76
5
97
6
14
7
1,159
8
652
9
732
Total
3,660

%
7
7
11
2
3
0
32
18
20
100

Day-level Variables

date
Description
The date of the diary day. Each diarist participated in the diary for four consecutive days,
with efforts made to ensure a representative sample of Americans on any given day. The dates
range from September 28th, 2016 to November
2nd, 2016. In order to ensure the representativeness of the sample and to eliminate any biases from diary fatigue, it is recommended that
only dates in October be considered.
Survey Question
N/A
Details
In most cases, this variable is determined by the
date on which the transaction was reported. For
some bills, the date is reported by the respondent on diary day 3 and reassigned ex-post.
Back to top

90

Day-level Variables

acct mostused1
Description
The respondent’s most used payment account.

acct mostused1
1
2
3
4
5
6
7
8
9
Total

Survey Question
q mostusedpayacnt 1, q mostusedpayacnt 2,
q mostusedpayacnt 3a, q mostusedpayacnt 3c
Coding
1
2
3
4
5
6
7
8
9
10

Cash
Checking account
Credit card
General purpose prepaid card
PayPal
Money order
Traveler’s check
Mobile phone payments
None
Other

Back to top

91

No.
1,060
7,589
1,820
184
12
88
4
84
43
10,884

%
10
70
17
2
0
1
0
1
0
100

Day-level Variables

acct mostused2
Description
The respondent’s second most used payment
account.

acct mostused2
1
2
3
4
5
6
7
8
9
Total

Survey Question
q mostusedpayacnt 1, q mostusedpayacnt 2,
q mostusedpayacnt 3a, q mostusedpayacnt 3c
Coding
1
2
3
4
5
6
7
8
9
10

Cash
Checking account
Credit card
General purpose prepaid card
PayPal
Money order
Traveler’s check
Mobile phone payments
None
Other

Back to top

92

No.
4,268
1,975
2,932
376
68
284
4
600
281
10,788

%
40
18
27
3
1
3
0
6
3
100

Day-level Variables

carry acnt2acnt
Description
Whether the repsondent had the ability to make
an account to account transfer that day.

carry acnt2acnt No.
0
4,354
1
567
Total
4,921

Survey Question
q97
Details
Indicator variable set to 1 if respondent checked
option 11.
Coding
0
1

No
Yes
Back to top

93

%
88
12
100

Day-level Variables

carry banp
Description
Whether respondent had the ability to make a
bank account number payment that day.

carry banp
0
1
Total

Survey Question
q97
Details
Indicator variable set to 1 if respondent checked
option 6.
Coding
0
1

No
Yes
Back to top

94

No.
3,895
1,026
4,921

%
79
21
100

Day-level Variables

carry cc
Description
Whether respondent carried cash on that diary
day.

carry cc
0
1
Total

Survey Question
q97
Details
Indicator variable set to 1 if respondent checked
option 3.
Coding
0
1

No
Yes
Back to top

95

No.
1,530
3,391
4,921

%
31
69
100

Day-level Variables

carry chk
Description
Whether respondent carried checks on that diary day.

carry chk No.
0
2,544
1
2,377
Total
4,921

Survey Question
q97
Details
Indicator variable set to 1 if respondent checked
option 2.
Coding
0
1

No
Yes
Back to top

96

%
52
48
100

Day-level Variables

carry csh
Description
Whether respondent carried credit cards on that
diary day.

carry csh
0
1
Total

Survey Question
q97
Details
Indicator variable set to 1 if respondent checked
option 1.
Coding
0
1

No
Yes
Back to top

97

No.
858
4,063
4,921

%
17
83
100

Day-level Variables

carry dc
Description
Whether respondent carried debit cards on that
diary day.

carry dc No.
0
1,239
1
3,682
Total
4,921

Survey Question
q97
Details
Indicator variable set to 1 if respondent checked
option 4.
Coding
0
1

No
Yes
Back to top

98

%
25
75
100

Day-level Variables

carry mobile
Description
Whether respondent carried mobile device capable of making text message payments on that
diary day.

carry mobile
0
1
Total

Survey Question
q97
Details
Indicator variable set to 1 if respondent checked
option 12.
Coding
0
1

No
Yes
Back to top

99

No.
4,337
584
4,921

%
88
12
100

Day-level Variables

carry monord
Description
Whether respondent carried money orders on
that diary day.

carry monord No.
0
4,842
1
79
Total
4,921

Survey Question
q97
Details
Indicator variable set to 1 if respondent checked
option 8.
Coding
0
1

No
Yes
Back to top

100

%
98
2
100

Day-level Variables

carry obbp
Description
Whether respondent had the ability to make an
online banking bill payment that day.

carry obbp No.
0
3,764
1
1,157
Total
4,921

Survey Question
q97
Details
Indicator variable set to 1 if respondent checked
option 7.
Coding
0
1

No
Yes
Back to top

101

%
76
24
100

Day-level Variables

carry oth
Description
Whether respondent carried other payment methods on that diary day.
Survey Question
q97
Details
Indicator variable set to 1 if respondent checked
option 13.
Coding
0
1

No
Yes
Back to top

102

carry oth No.
0
4,869
1
52
Total
4,921

%
99
1
100

Day-level Variables

carry paypal
Description
Whether the repsondent had the ability to make
a Paypal payment that day.

carry paypal No.
0
4,127
1
794
Total
4,921

Survey Question
q97
Details
Indicator variable set to 1 if respondent checked
option 10.
Coding
0
1

No
Yes
Back to top

103

%
84
16
100

Day-level Variables

carry svc
Description
Whether respondent carried a prepaid card (stored
value card) on that diary day.
Survey Question
q97
Details
Indicator variable set to 1 if respondent checked
option 5.
Coding
0
1

No
Yes
Back to top

104

carry svc
0
1
Total

No.
3,926
995
4,921

%
80
20
100

Day-level Variables

carry tc
Description
Whether respondent carried traveler’s checks
on that diary day.

carry tc No.
0
4,889
1
32
Total
4,921

Survey Question
q97
Details
Indicator variable set to 1 if respondent checked
option 9.
Coding
0
1

No
Yes
Back to top

105

%
99
1
100

Day-level Variables

daily weight
Description
Whether respondent carried travelers checks on
that diary day.
Survey Question
N/A
Details
Raked post-stratification weights. Daily weights
are best used for producing single-day estimates.
Unlike individual weights, daily weights are not
trimmed. These particular daily weights cor0
respond to rps w day a uasgfk in the full weights
N
dataset. See Angrisani, M, 2015 Survey and
Diary of Consumer Payment Choice Weighting
8016
Procedure (2016) for more information about
the construction of the weights.
Back to top

106

1

min
0.293544

2

med
0.85814

mean
1.03057

3

max
6.52597

sd
0.604873

Day-level Variables

denom 100 end
Description
The number of 100 dollar bills carried at the
end of the diary day.
Survey Question
From the ”Count your Paper Cash” screen at
the end of each diary day.
Details
Some amounts are cleaned when it is clear that
the individual accidentally reported the dollar
value rather than the count of bills.
Back to top

0

1

N
min
11392
0

107

2

med
0

3

mean
max
0.138167 17

4

5

sd
0.739455

Day-level Variables

denom 10 end
Description
The number of 10 dollar bills carried at the end
of the diary day.
Survey Question
From the ”Count your Paper Cash” screen at
the end of each diary day.
Details
Some amounts are cleaned when it is clear that
the individual accidentally reported the dollar
value rather than the count of bills.
Back to top

0

1

N
min
11392
0

108

2

med
0

3

mean
max
0.551176 71

4

5

sd
1.59948

Day-level Variables

denom 1 end
Description
The number of 1 dollar bills carried at the end
of the diary day.
Survey Question
From the ”Count your Paper Cash” screen at
the end of each diary day.
Details
Some amounts are cleaned when it is clear that
the individual accidentally reported the dollar
value rather than the count of bills.
Back to top

0

N
min
11392
0

109

5

10

med
2

15

mean
max
2.82365 111

20

sd
4.02998

Day-level Variables

denom 20 end
Description
The number of 20 dollar bills carried at the end
of the diary day.
Survey Question
From the ”Count your Paper Cash” screen at
the end of each diary day.
Details
Some amounts are cleaned when it is clear that
the individual accidentally reported the dollar
value rather than the count of bills.
Back to top

0

N
min
11392
0

110

5

med
0

10

mean
max
1.48306 50

15

sd
2.84092

Day-level Variables

denom 2 end
Description
The number of 2 dollar bills carried at the end
of the diary day.
Survey Question
From the ”Count your Paper Cash” screen at
the end of each diary day.
Details
Some amounts are cleaned when it is clear that
the individual accidentally reported the dollar
value rather than the count of bills.
Back to top

0

.2

N
min
11392
0

111

.4

med
0

.6

.8

mean
max
0.0254565 10

1

sd
0.274868

Day-level Variables

denom 50 end
Description
The number of 50 dollar bills carried at the end
of the diary day.
Survey Question
From the ”Count your Paper Cash” screen at
the end of each diary day.
Details
Some amounts are cleaned when it is clear that
the individual accidentally reported the dollar
value rather than the count of bills.
Back to top

0

.5

N
min
11392
0

112

1

med
0

1.5

mean
max
0.0944522 20

2

sd
0.603618

Day-level Variables

denom 5 end
Description
The number of 5 dollar bills carried at the end
of the diary day.
Survey Question
From the ”Count your Paper Cash” screen at
the end of each diary day.
Details
Some amounts are cleaned when it is clear that
the individual accidentally reported the dollar
value rather than the count of bills.
Back to top

0

N
min
11392
0

113

2

4

med
0

6

mean
max
0.830144 45

8

sd
1.59101

Day-level Variables

e exp wording
Description
The wording of the emergency expense question was different for different respondents. Half
of all respondents were asked if they would have
enough money to cover an “emergency expense”,
while the other half were asked if they would
have enough money to cover an “unexpected
need”. This variable indicates which wording
the respondent was presented with.
Survey Question
scf006
Coding
Back to top

114

e exp wording
1
2
Total

No.
1,420
1,419
2,839

%
50
50
100

Day-level Variables

end cash bal
Description
The end-of-day balance of the cash carried by
the respondent.
Survey Question
From the ”Count your Paper Cash” screen at
the end of each diary day.
Details
Implied by the number of each bill that the respondent reports carrying.
Back to top

0

N
min
11392
0

115

200

med
23

400

mean
60.7375

max
1856

600

sd
112.254

Day-level Variables

nopayments
Description
Why the respondent made no payments on a
given day.

nopayments
1
2
3
4
Total

Survey Question
q98a
Coding
1
2
3
4

I didn’t need to make payments today
I was too busy to make payments today
I’m trying to spend less
Other
Back to top

116

No.
2,981
135
139
173
3,428

%
87
4
4
5
100

Day-level Variables

payday tender
Description
How the payday loan was paid to the respondent.

payday tender
1
2
3
Total

Survey Question
pay615 b
Details
While this question allows respondents to “check
all that apply”, it so happens that no respondent
chose more than one option.
Coding
1
2
3
4

Cash
Check
Direct deposit
Other
Back to top

117

No. %
2
40
1
20
2
40
5 100

Day-level Variables

paypal bal
Description
The balance of the respondent’s PayPal account.
Survey Question
paypal balday0
Back to top

0

N
225

118

1000

min
0

2000

3000

med
mean
10 269.818

4000

max
9225

5000

sd
1002.39

Day-level Variables

paypal bal date
Description
The date on which the PayPal balance was checked.
Survey Question
pa074 date
Details
Converted to Stata date format.
Back to top

20720

N
220

119

min
20717

20730

med
20740

20740

20750

mean
20740.4

max
20759

20760

sd
9.82927

Day-level Variables

paypal bal time
Description
The time at which the PayPal balance was checked.
Survey Question
pa074 time
Details
Coded simply as a 24-hour clock – i.e. a value
of 0 is midnight, 100 is 1 AM, 1400 is 2 PM,
etc.
Back to top
0

500

N min
224 149

120

1000

med
1953.5

1500

mean
1818.66

2000

max
2439

2500

sd
483.663

Day-level Variables

start cash bal
Description
The start-of-day balance of cash holdings.
Survey Question
From the ”Count your Paper Cash” screen at
the end of each diary day.
Details
Set equal to the end cash bal of the day before. Note that this variable is for convenience
and does not include a value for diary day 0.
The variable end cash bal is more comprehensive.
Back to top

0

N
min
8544
0

121

200

med
25

400

mean
62.3784

max
1460

600

sd
112.257

Day-level Variables

traveled
Description
Whether the respondent traveled on this diary
day.

traveled
0
1
Total

Survey Question
q13
Coding
0
1

No
Yes
Back to top

122

No.
8,103
420
8,523

%
95
5
100

Individual-level Variables

prim key
Description
A respondent’s unique identifier. Using a respondent’s prim key, a data user can merge the
DCPC with the SCPC or any other UAS survey.
Survey Question
N/A
Details
Provided by the survey vendor.
Back to top

123

Individual-level Variables

cc chip 1
Description
Whether the respondent’s first credit card has a
chip.

cc chip 1 No.
0
429
1
1,646
Total
2,075

Survey Question
ccq 005
Coding
0
1

No
Yes
Back to top

124

%
21
79
100

Individual-level Variables

cc chip 2
Description
Whether the respondent’s second credit card has
a chip.
Survey Question
ccq 005
Coding
0
1

No
Yes
Back to top

125

cc chip 2
0
1
Total

No.
219
558
777

%
28
72
100

Individual-level Variables

cc chip 3
Description
Whether the respondent’s third credit card has
a chip.

cc chip 3
0
1
Total

Survey Question
ccq 005
Coding
0
1

No
Yes
Back to top

126

No.
98
144
242

%
40
60
100

Individual-level Variables

cc chip 4
Description
Whether the respondent’s fourth credit card has
a chip.

cc chip 4
0
1
Total

Survey Question
ccq 005
Coding
0
1

No
Yes
Back to top

127

No. %
36 44
45 56
81 100

Individual-level Variables

cc chip 5
Description
Whether the respondent’s fifth credit card has a
chip.

cc chip 5
0
1
Total

Survey Question
ccq 005
Coding
0
1

No
Yes
Back to top

128

No. %
18 47
20 53
38 100

Individual-level Variables

cc chip 6
Description
Whether the respondent’s sixth credit card has
a chip.

cc chip 6
0
1
Total

Survey Question
ccq 005
Coding
0
1

No
Yes
Back to top

129

No. %
10 56
8
44
18 100

Individual-level Variables

cc hasbal 1
Description
Whether the respondent’s first credit card has a
rolled over balance.

cc hasbal 1
0
1
Total

Survey Question
ccq 004
Coding
0
1

No
Yes
Back to top

130

No.
1,174
922
2,096

%
56
44
100

Individual-level Variables

cc hasbal 2
Description
Whether the respondent’s second credit card has
a rolled over balance.
Survey Question
ccq 004
Coding
0
1

No
Yes
Back to top

131

cc hasbal 2
0
1
Total

No.
510
275
785

%
65
35
100

Individual-level Variables

cc hasbal 3
Description
Whether the respondent’s third credit card has
a rolled over balance.

cc hasbal 3
0
1
Total

Survey Question
ccq 004
Coding
0
1

No
Yes
Back to top

132

No.
161
84
245

%
66
34
100

Individual-level Variables

cc hasbal 4
Description
Whether the respondent’s fourth credit card has
a rolled over balance.

cc hasbal 4
0
1
Total

Survey Question
ccq 004
Coding
0
1

No
Yes
Back to top

133

No.
51
30
81

%
63
37
100

Individual-level Variables

cc hasbal 5
Description
Whether the respondent’s fifth credit card has a
rolled over balance.

cc hasbal 5
0
1
Total

Survey Question
ccq 004
Coding
0
1

No
Yes
Back to top

134

No.
22
16
38

%
58
42
100

Individual-level Variables

cc hasbal 6
Description
Whether the respondent’s sixth credit card has
a rolled over balance.

cc hasbal 6
0
1
Total

Survey Question
ccq 004
Coding
0
1

No
Yes
Back to top

135

No.
12
6
18

%
67
33
100

Individual-level Variables

cc num
Description
The number of credit cards the respondent has.

cc num
1
2
3
4
5
6
Total

Survey Question
ccq 001
Coding
6

More than five
Back to top

136

No.
1,374
562
164
46
18
21
2,185

%
63
26
8
2
1
1
100

Individual-level Variables

cc repay plan
Description
How the respondent intends to repay the credit
card.

cc repay plan
1
2
Total

Survey Question
pay609aa
Coding
1
2

Pay in full when bill arrives
Pay over time in several payments
Back to top

137

No.
448
32
480

%
93
7
100

Individual-level Variables

cc rewards 1
Description
Whether the respondent’s first credit card offers
rewards.

cc rewards 1
0
1
Total

Survey Question
ccq 003
Coding
0
1

No
Yes
Back to top

138

No.
698
1,431
2,129

%
33
67
100

Individual-level Variables

cc rewards 2
Description
Whether the respondent’s second credit card offers rewards.

cc rewards 2
0
1
Total

Survey Question
ccq 003
Coding
0
1

No
Yes
Back to top

139

No.
195
601
796

%
24
76
100

Individual-level Variables

cc rewards 3
Description
Whether the respondent’s third credit card offers rewards.

cc rewards 3
0
1
Total

Survey Question
ccq 003
Coding
0
1

No
Yes
Back to top

140

No.
66
179
245

%
27
73
100

Individual-level Variables

cc rewards 4
Description
Whether the respondent’s fourth credit card offers rewards.

cc rewards 4
0
1
Total

Survey Question
ccq 003
Coding
0
1

No
Yes
Back to top

141

No.
25
56
81

%
31
69
100

Individual-level Variables

cc rewards 5
Description
Whether the respondent’s fifth credit card offers rewards.

cc rewards 5
0
1
Total

Survey Question
ccq 003
Coding
0
1

No
Yes
Back to top

142

No.
17
21
38

%
45
55
100

Individual-level Variables

cc rewards 6
Description
Whether the respondent’s sixth credit card offers rewards.

cc rewards 6
0
1
Total

Survey Question
ccq 003
Coding
0
1

No
Yes
Back to top

143

No.
7
11
18

%
39
61
100

Individual-level Variables

cc type 1
Description
Type (e.g. logo) of the respondent’s first credit
card.

cc type 1 No.
1
1,225
2
519
3
180
4
43
5
35
6
103
8
34
Total
2,139

Survey Question
ccq 002
Coding
1
2
3
4
5
6
7
8

Visa
MasterCard
Discover
Company or store branded credit cards
American Express charge card
American Express credit card
Diners Club or other charge cards
Other
Back to top

144

%
57
24
8
2
2
5
2
100

Individual-level Variables

cc type 2
Description
Type (e.g. logo) of the respondent’s second
credit card.

cc type 2
1
2
3
4
5
6
7
8
Total

Survey Question
ccq 002
Coding
1
2
3
4
5
6
7
8

Visa
MasterCard
Discover
Company or store branded credit cards
American Express charge card
American Express credit card
Diners Club or other charge cards
Other
Back to top

145

No.
392
217
65
56
13
51
1
19
814

%
48
27
8
7
2
6
0
2
100

Individual-level Variables

cc type 3
Description
Type (e.g. logo) of the respondent’s third credit
card.

cc type 3
1
2
3
4
5
6
7
8
Total

Survey Question
ccq 002
Coding
1
2
3
4
5
6
7
8

Visa
MasterCard
Discover
Company or store branded credit cards
American Express charge card
American Express credit card
Diners Club or other charge cards
Other
Back to top

146

No.
100
52
21
45
5
12
1
15
251

%
40
21
8
18
2
5
0
6
100

Individual-level Variables

cc type 4
Description
Type (e.g. logo) of the respondent’s fourth credit
card.
Survey Question
ccq 002
Coding
1
2
3
4
5
6
7
8

Visa
MasterCard
Discover
Company or store branded credit cards
American Express charge card
American Express credit card
Diners Club or other charge cards
Other
Back to top

147

cc type 4
1
2
4
5
6
8
Total

No. %
29 35
17 20
21 25
2
2
5
6
9
11
83 100

Individual-level Variables

cc type 5
Description
Type (e.g. logo) of the respondent’s fifth credit
card.

cc type 5
1
2
3
4
5
6
8
Total

Survey Question
ccq 002
Coding
1
2
3
4
5
6
7
8

Visa
MasterCard
Discover
Company or store branded credit cards
American Express charge card
American Express credit card
Diners Club or other charge cards
Other
Back to top

148

No. %
8
21
8
21
1
3
15 38
1
3
2
5
4
10
39 100

Individual-level Variables

cc type 6
Description
Type (e.g. logo) of the respondent’s sixth credit
card.

cc type 6
1
2
4
8
Total

Survey Question
ccq 002
Coding
1
2
3
4
5
6
7
8

Visa
MasterCard
Discover
Company or store branded credit cards
American Express charge card
American Express credit card
Diners Club or other charge cards
Other
Back to top

149

No. %
5
28
6
33
5
28
2
11
18 100

Individual-level Variables

census division
Description
The census division in which the respondent
lives.

census division
1
2
3
4
5
6
7
8
9
Total

Survey Question
From UAS My Household Questionnaire.
Details
Built from the state reside variable, which
is not available in the public dataset for privacy
reasons.
Coding
1
2
3
4
5
6
7
8
9

New England
Middle Atlantic
East North Central
West North Central
South Atlantic
East South Central
West South Central
Mountain
Pacific
Back to top

150

No.
90
362
611
298
560
201
282
166
277
2,847

%
3
13
21
10
20
7
10
6
10
100

Individual-level Variables

chk bal day0
Description
Checking account balance, as reported on day
0.
Survey Question
pa072 a
Back to top

0

N
2558

151

20000

min
-600

med
923.5

40000

mean
4331.06

max
672686

60000

sd
18873.8

Individual-level Variables

chk bal day3
Description
Checking account balance, as reported on day
3.
Survey Question
pa073 a
Back to top

0

N
1897

152

20000

min med
-524 970

40000

mean
4791.81

max
679341

60000

sd
23310.4

Individual-level Variables

citizen
Description
Whether respondent is a US citizen. Note: This
variable is not provided in the public dataset.

citizen
0
1
Total

Survey Question
From UAS My Household Questionnaire.
Coding
0
1

No
Yes
Back to top

153

No.
33
2,815
2,848

%
1
99
100

Individual-level Variables

dc acct 1
Description
Whether the respondent’s first debit card is linked
to their primary checking account or another
checking account.
Survey Question
dcq 005
Coding
1
2

Primary account
Other account
Back to top

154

dc acct 1
1
2
Total

No.
657
74
731

%
90
10
100

Individual-level Variables

dc acct 2
Description
Whether the respondent’s second debit card is
linked to their primary checking account or another checking account.

dc acct 2
1
2
Total

Survey Question
dcq 005
Coding
1
2

Primary account
Other account
Back to top

155

No.
36
159
195

%
18
82
100

Individual-level Variables

dc acct 3
Description
Whether the respondent’s third debit card is linked
to their primary checking account or another
checking account.
Survey Question
dcq 005
Coding
1
2

Primary account
Other account
Back to top

156

dc acct 3
1
2
Total

No.
2
16
18

%
11
89
100

Individual-level Variables

dc acct 4
Description
Whether the respondent’s fourth debit card is
linked to their primary checking account or another checking account.

dc acct 4
2
Total

Survey Question
dcq 005
Coding
1
2

Primary account
Other account
Back to top

157

No.
3
3

%
100
100

Individual-level Variables

dc acct 5
Description
Whether the respondent’s fifth debit card is linked
to their primary checking account or another
checking account.
Survey Question
dcq 005
Coding
1
2

Primary account
Other account
Back to top

158

dc acct 5
2
Total

No.
2
2

%
100
100

Individual-level Variables

dc logo 1
Description
Logo of the respondent’s first credit card.

dc logo 1 No.
1
1,586
2
666
3
64
Total
2,316

Survey Question
dcq 002
Coding
1
2
3

Visa
MasterCard
No logo
Back to top

159

%
68
29
3
100

Individual-level Variables

dc logo 2
Description
Logo of the respondent’s second credit card.

dc logo 2 No.
1
171
2
156
3
16
Total
343

Survey Question
dcq 002
Coding
1
2
3

Visa
MasterCard
No logo
Back to top

160

%
50
45
5
100

Individual-level Variables

dc logo 3
Description
Logo of the respondent’s third credit card.

dc logo 3
1
2
3
Total

Survey Question
dcq 002
Coding
1
2
3

Visa
MasterCard
No logo
Back to top

161

No. %
14 29
17 35
17 35
48 100

Individual-level Variables

dc logo 4
Description
Logo of the respondent’s fourth credit card.

dc logo 4
1
2
3
Total

Survey Question
dcq 002
Coding
1
2
3

Visa
MasterCard
No logo
Back to top

162

No. %
2
14
2
14
10 71
14 100

Individual-level Variables

dc logo 5
Description
Logo of the respondent’s fifth credit card.

dc logo 5
3
Total

Survey Question
dcq 002
Coding
1
2
3

Visa
MasterCard
No logo
Back to top

163

No. %
9 100
9 100

Individual-level Variables

dc num
Description
The number of debit cards the respondent has.

dc num
1
2
3
4
5
6
Total

Survey Question
dcq 001
Coding
6

More than five
Back to top

164

No.
2,001
298
35
5
2
7
2,348

%
85
13
1
0
0
0
100

Individual-level Variables

dc rewards 1
Description
Whether the respondent’s first debit card offers
rewards.

dc rewards 1
0
1
Total

Survey Question
dcq 003
Coding
0
1

No
Yes
Back to top

165

No.
2,016
296
2,312

%
87
13
100

Individual-level Variables

dc rewards 2
Description
Whether the respondent’s second debit card offers rewards.

dc rewards 2
0
1
Total

Survey Question
dcq 003
Coding
0
1

No
Yes
Back to top

166

No.
294
43
337

%
87
13
100

Individual-level Variables

dc rewards 3
Description
Whether the respondent’s third debit card offers rewards.

dc rewards 3
0
1
Total

Survey Question
dcq 003
Coding
0
1

No
Yes
Back to top

167

No.
38
7
45

%
84
16
100

Individual-level Variables

dc rewards 4
Description
Whether the respondent’s fourth debit card offers rewards.

dc rewards 4
0
1
Total

Survey Question
dcq 003
Coding
0
1

No
Yes
Back to top

168

No.
11
1
12

%
92
8
100

Individual-level Variables

dc rewards 5
Description
Whether the respondent’s fifth debit card offers
rewards.

dc rewards 5
0
Total

Survey Question
dcq 003
Coding
0
1

No
Yes
Back to top

169

No.
8
8

%
100
100

Individual-level Variables

denom 100 stored
Description
The number of 100 dollar bills stored.
Survey Question
Reported in the ”Count your paper cash stored
elsewhere” screen on day 0.
Back to top

0

N
772

170

20

min
0

med
mean
0
4.15285

40

60

max
sd
304 15.6803

Individual-level Variables

denom 10 stored
Description
The number of 10 dollar bills stored.
Survey Question
Reported in the ”Count your paper cash stored
elsewhere” screen on day 0.
Back to top

0

N
772

171

10

min
0

med
mean
0
1.58808

20

max
sd
150 7.92679

30

Individual-level Variables

denom 1 stored
Description
The number of 1 dollar bills stored.
Survey Question
Reported in the ”Count your paper cash stored
elsewhere” screen on day 0.
Back to top

0

N
772

172

50

min
0

med
mean
0
13.9676

100

max
5000

150

sd
185.319

Individual-level Variables

denom 20 stored
Description
The number of 20 dollar bills stored.
Survey Question
Reported in the ”Count your paper cash stored
elsewhere” screen on day 0.
Back to top

0

N
772

173

20

min
0

med
mean
1
5.84326

40

max
sd
200 15.8355

60

Individual-level Variables

denom 2 stored
Description
The number of 2 dollar bills stored.
Survey Question
Reported in the ”Count your paper cash stored
elsewhere” screen on day 0.
Back to top

0

N min
772
0

174

10

med
0

20

mean max
1.8044 600

30

sd
23.0581

Individual-level Variables

denom 50 stored
Description
The number of 50 dollar bills stored.
Survey Question
Reported in the ”Count your paper cash stored
elsewhere” screen on day 0.
Back to top

0

N
772

175

5

min
0

10

med
mean
0
1.31477

15

max
sd
100 6.00135

20

Individual-level Variables

denom 5 stored
Description
The number of 5 dollar bills stored.
Survey Question
Reported in the ”Count your paper cash stored
elsewhere” screen on day 0.
Back to top

0

N
772

176

10

min
0

med
mean
0
2.56865

20

max
sd
450 19.1451

30

Individual-level Variables

e exp cc
Description
Diary Day 1, respondents were asked if they
could cover an emergency expense. This is the
amount of the emergency expenditure that respondents said they could cover using credit
cards.
Survey Question
scf006 e
Back to top
0

N
min
1022
0

177

500

med
0

1000

mean
636.752

1500

max
2000

2000

sd
839.045

Individual-level Variables

e exp chk
Description
Diary Day 1, respondents were asked if they
could cover an emergency expense. This is the
amount of the emergency expenditure that respondents said they could cover using money
in their checking accounts.
Survey Question
scf006 b
Back to top
0

N
min
1595
0

178

500

med
500

1000

mean
807.495

1500

max
2000

2000

sd
812.726

Individual-level Variables

e exp cover
Description
Diary Day 1, respondents were asked if they
could cover an emergency expense. This is the
amount of the emergency expenditure that respondents said they could cover in total.
Survey Question
scf006 total
Back to top

0

N
min
2825
0

179

500

med
2000

1000

mean
1385.99

1500

max
2000

2000

sd
788.127

Individual-level Variables

e exp csh
Description
Diary Day 1, respondents were asked if they
could cover an emergency expense. This is the
amount of the emergency expenditure that respondents said they could cover using cash.
Survey Question
scf006 a
Back to top

0

N
min
1088
0

180

500

med
0

1000

mean
334.632

1500

max
2000

2000

sd
594.917

Individual-level Variables

e exp fam
Description
Diary Day 1, respondents were asked if they
could cover an emergency expense. This is the
amount of the emergency expenditure that respondents said they could cover by getting money
from family.
Survey Question
scf006 i
Back to top
0

N
921

181

500

min
0

1000

med
mean
0
285.443

1500

max
2000

2000

sd
559.807

Individual-level Variables

e exp heloc
Description
Diary Day 1, respondents were asked if they
could cover an emergency expense. This is the
amount of the emergency expenditure that respondents said they could cover using a HELOC.
Survey Question
scf006 f
Back to top
0

N
692

182

500

min
0

1000

med
mean
0
103.447

1500

max
2000

2000

sd
422.201

Individual-level Variables

e exp od
Description
Diary Day 1, respondents were asked if they
could cover an emergency expense. This is the
amount of the emergency expenditure that respondents said they could cover using overdraft
protection.
Survey Question
scf006 d
Back to top
0

N
702

183

500

min
0

med
mean
0
49.3191

1000

max
2000

1500

sd
226.406

Individual-level Variables

e exp pawn
Description
Diary Day 1, respondents were asked if they
could cover an emergency expense. This is the
amount of the emergency expenditure that respondents said they could cover using a pawn
shop.
Survey Question
scf006 h
Back to top
0

N
681

184

100

min
0

200

300

med
mean
0
25.1512

max
2000

400

sd
149.955

500

Individual-level Variables

e exp payday
Description
Diary Day 1, respondents were asked if they
could cover an emergency expense. This is the
amount of the emergency expenditure that respondents said they could cover using a payday
loan.
Survey Question
scf006 g
Back to top
0

N
685

185

200

min
0

400

600

med
mean
0
33.4511

max
2000

800

1000

sd
172.233

Individual-level Variables

e exp sav
Description
Diary Day 1, respondents were asked if they
could cover an emergency expense. This is the
amount of the emergency expenditure that respondents said they could cover using money
in their savings accounts.
Survey Question
scf006 c
Back to top
0

N
min
1392
0

186

500

med
600

1000

mean
919.435

1500

max
2000

2000

sd
893.471

Individual-level Variables

gpr bal day0
Description
General purpose reloadable prepaid card balance, as reported on day 0.
Survey Question
pa074
Back to top

0

N min
749 -6

187

500

med
29

mean
493.198

1000

max
268678

1500

sd
9838.63

Individual-level Variables

hh size
Description
Size of the household in which the respondent
lives.
Survey Question
From UAS My Household Questionnaire.
Back to top

1

N
2755

188

2

min
1

3

med
mean
2
2.64646

4

5

max
sd
9
1.32728

6

Individual-level Variables

highest education
Description
Respondent’s highest level of education, if the
respondent is from the UAS sample.

highest education
1
3
4
5
6
7
8
9
10
11
12
13
14
15
16
Total

Survey Question
From UAS My Household Questionnaire.
Coding
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16

Up to 1st grade
1st-4th grade
5th-6th grade
7th-8th grade
9th grade
10th grade
11th grade
12th grade, no diploma
High school or equivalent
Some college
Associate degree, vocational
Associate degree, academic
Bachelor’s degree
Master’s degree
Professional School Degree
Doctorate degree

Back to top

189

No.
1
2
9
21
24
31
37
539
663
235
208
619
347
50
62
2,848

%
0
0
0
1
1
1
1
19
23
8
7
22
12
2
2
100

Individual-level Variables

hispaniclatino
Description
Whether respondent identifies has Hispanic/Latino
Survey Question
From UAS My Household Questionnaire.
Coding
0
1

No
Yes
Back to top

190

hispaniclatino
0
1
Total

No.
2,654
194
2,848

%
93
7
100

Individual-level Variables

home debt
Description
Approximate value of debt on primary home,
including HELs and HELOCs.
Survey Question
de015
Details
This is an SCPC variable merged into this dataset
for convenience.
Back to top
0

100000 200000 300000 400000 500000

N
min
1986
0

191

med
51000

mean
83103.4

max
2.225e+06

sd
114456

Individual-level Variables

home value
Description
Approximate market value of primary home.
Survey Question
de014
Details
This is an SCPC variable merged into this dataset
for convenience.
Back to top
0

N
min
1984
0

192

500000

med
150000

1000000

mean
209027

max
3.1e+06

1500000

sd
223603

Individual-level Variables

homeowner
Description
Whether respondent owns primary home.

homeowner
0
1
Total

Survey Question
de013
Details
This is an SCPC variable merged into this dataset
for convenience.
Coding
0
1

No
Yes
Back to top

193

No.
848
1,994
2,842

%
30
70
100

Individual-level Variables

inc alimony
Description
Whether the respondent receives alimony income.

inc alimony
0
1
Total

Survey Question
q140 h
Coding
0
1

No
Yes
Back to top

194

No.
2,768
12
2,780

%
100
0
100

Individual-level Variables

inc alimony freq
Description
The frequency with which alimony income is
received.

inc alimony freq
1
2
3
4
9
Total

Survey Question
q141 h
Coding
1
2
3
4
5
6
7
8
9

Weekly
Every two weeks
Twice a month
Monthly
Quarterly
Yearly
One time basis
Other, on a regular basis
Other, on an irregular basis
Back to top

195

No.
1
1
1
7
2
12

%
8
8
8
58
17
100

Individual-level Variables

inc child
Description
Whether the respondent receives child support
income.

inc child
0
1
Total

Survey Question
q140 i
Coding
0
1

No
Yes
Back to top

196

No.
2,671
106
2,777

%
96
4
100

Individual-level Variables

inc child freq
Description
The frequency with which child support income
is received.
Survey Question
q141 i
Coding
1
2
3
4
5
6
7
8
9

Weekly
Every two weeks
Twice a month
Monthly
Quarterly
Yearly
One time basis
Other, on a regular basis
Other, on an irregular basis
Back to top

197

inc child freq
1
2
3
4
5
9
Total

No.
22
17
13
43
1
10
106

%
21
16
12
41
1
9
100

Individual-level Variables

inc gov
Description
Whether the respondent receives government
assistance income.

inc gov
0
1
Total

Survey Question
q140 g
Coding
0
1

No
Yes
Back to top

198

No.
2,540
246
2,786

%
91
9
100

Individual-level Variables

inc gov freq
Description
The frequency with which government assistance income is received.

inc gov freq
1
2
3
4
5
6
7
Total

Survey Question
q141 g
Coding
1
2
3
4
5
6
7
8
9

Weekly
Every two weeks
Twice a month
Monthly
Quarterly
Yearly
One time basis
Other, on a regular basis
Other, on an irregular basis
Back to top

199

No.
7
4
3
228
2
1
1
246

%
3
2
1
93
1
0
0
100

Individual-level Variables

inc intdiv
Description
Whether the respondent receives interest or dividend income.

inc intdiv
0
1
Total

Survey Question
q140 e
Coding
0
1

No
Yes
Back to top

200

No.
2,396
389
2,785

%
86
14
100

Individual-level Variables

inc intdiv freq
Description
The frequency with which interest or dividend
income is received.

inc intdiv freq
1
2
3
4
5
6
8
9
Total

Survey Question
q141 e
Coding
1
2
3
4
5
6
7
8
9

Weekly
Every two weeks
Twice a month
Monthly
Quarterly
Yearly
One time basis
Other, on a regular basis
Other, on an irregular basis
Back to top

201

No.
2
1
1
197
109
37
15
27
389

%
1
0
0
51
28
10
4
7
100

Individual-level Variables

inc rent
Description
Whether the respondent receives rental income.

inc rent
0
1
Total

Survey Question
q140 f
Coding
0
1

No
Yes
Back to top

202

No.
2,619
162
2,781

%
94
6
100

Individual-level Variables

inc rent freq
Description
The frequency with which rental income is received.

inc rent freq
1
2
3
4
5
6
7
8
9
Total

Survey Question
q141 f
Coding
1
2
3
4
5
6
7
8
9

Weekly
Every two weeks
Twice a month
Monthly
Quarterly
Yearly
One time basis
Other, on a regular basis
Other, on an irregular basis
Back to top

203

No.
1
3
2
134
2
14
2
1
3
162

%
1
2
1
83
1
9
1
1
2
100

Individual-level Variables

inc retempl
Description
Whether the respondent receives employer-paid
retirement income.
Survey Question
q140 b
Coding
0
1

No
Yes
Back to top

204

inc retempl
0
1
Total

No.
2,456
336
2,792

%
88
12
100

Individual-level Variables

inc retempl freq
Description
The frequency with which employer-paid retirement income is received.

inc retempl freq
1
2
3
4
5
6
9
Total

Survey Question
q141 b
Coding
1
2
3
4
5
6
7
8
9

Weekly
Every two weeks
Twice a month
Monthly
Quarterly
Yearly
One time basis
Other, on a regular basis
Other, on an irregular basis
Back to top

205

No.
1
10
4
314
1
4
2
336

%
0
3
1
93
0
1
1
100

Individual-level Variables

inc retsav
Description
Whether the respondent receives IRA, 401(k),
or other savings-based retirement income.

inc retsav
0
1
Total

Survey Question
q140 j
Coding
0
1

No
Yes
Back to top

206

No.
2,553
226
2,779

%
92
8
100

Individual-level Variables

inc retsav freq
Description
The frequency with which IRA, 401(k), or other
savings-based retirement income is received.
Survey Question
q141 j
Coding
1
2
3
4
5
6
7
8
9

Weekly
Every two weeks
Twice a month
Monthly
Quarterly
Yearly
One time basis
Other, on a regular basis
Other, on an irregular basis
Back to top

207

inc retsav freq
1
2
3
4
5
6
7
8
9
Total

No.
2
9
4
116
12
40
6
5
32
226

%
1
4
2
51
5
18
3
2
14
100

Individual-level Variables

inc self
Description
Whether the respondent receives self-employment
income.
Survey Question
q140 c
Coding
0
1

No
Yes
Back to top

208

inc self
0
1
Total

No.
2,469
316
2,785

%
89
11
100

Individual-level Variables

inc self freq
Description
The frequency with which self-employment income is received.

inc self freq
1
2
3
4
5
6
7
8
9
Total

Survey Question
q141 c
Coding
1
2
3
4
5
6
7
8
9

Weekly
Every two weeks
Twice a month
Monthly
Quarterly
Yearly
One time basis
Other, on a regular basis
Other, on an irregular basis
Back to top

209

No.
61
24
11
76
6
10
12
6
109
315

%
19
8
3
24
2
3
4
2
35
100

Individual-level Variables

inc ss
Description
Whether the respondent receives social security
income.

inc ss
0
1
Total

Survey Question
q140 d
Coding
0
1

No
Yes
Back to top

210

No.
2,164
640
2,804

%
77
23
100

Individual-level Variables

inc ss freq
Description
The frequency with which social security income is received.

inc ss freq
1
3
4
5
8
9
Total

Survey Question
q141 d
Coding
1
2
3
4
5
6
7
8
9

Weekly
Every two weeks
Twice a month
Monthly
Quarterly
Yearly
One time basis
Other, on a regular basis
Other, on an irregular basis
Back to top

211

No.
1
5
629
1
2
1
639

%
0
1
98
0
0
0
100

Individual-level Variables

inc wage
Description
Whether the respondent receives wage income.

inc wage
0
1
Total

Survey Question
q140 a
Coding
0
1

No
Yes
Back to top

212

No.
1,179
1,616
2,795

%
42
58
100

Individual-level Variables

inc wage freq
Description
The frequency with which wage income is received.

inc wage freq No.
1
282
2
883
3
224
4
192
5
3
6
2
7
3
8
9
9
16
Total
1,614

Survey Question
q141 a
Coding
1
2
3
4
5
6
7
8
9

Weekly
Every two weeks
Twice a month
Monthly
Quarterly
Yearly
One time basis
Other, on a regular basis
Other, on an irregular basis
Back to top

213

%
17
55
14
12
0
0
0
1
1
100

Individual-level Variables

income hh
Description
Household income.
Survey Question
de010
Details
This is an SCPC variable merged into this dataset
for convenience.
Coding
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18

Less than 5,000
5,000-7,499
7,500-9,999
10,000-12,499
12,500-14,999
15,000-19,999
20,000-24,999
25,000-29,999
30,000-34,999
35,000-39,999
40,000-49,999
50,000-59,999
60,000-74,999
75,000-99,999
100,000-124,999
125,000-199,999
200,000-499,999
500,000 or more

Back to top

214

income hh
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
Total

No.
105
56
46
76
69
85
165
142
151
128
233
230
334
383
264
271
86
7
2,831

%
4
2
2
3
2
3
6
5
5
5
8
8
12
14
9
10
3
0
100

Individual-level Variables

ind weight
Description
Raked individual sample weights.
Survey Question
N/A
Details
Raked post-stratification weights. Individual
weights are best used for producing full-sample
full-period estimates. These particular daily weights
correspond to rps w uasgfk in the full weights
dataset. See Angrisani, M, 2015 Survey and
0
Diary of Consumer Payment Choice Weighting
N
Procedure (2016) for more information about
the construction of the weights.
2848
Back to top

215

1

2

3

min
0.259989

med
0.794012

mean
1.03086

4

max
4.16228

sd
0.823955

Individual-level Variables

interest level
Description
The self-reported level of interest the respondent had in the survey.

interest level
1
2
3
4
5
Total

Survey Question
cs 001
Coding
1
2
3
4
5

Very interesting
Interesting
Neither interesting nor uninteresting
Uninteresting
Very uninteresting
Back to top

216

No.
936
1,323
501
51
20
2,831

%
33
47
18
2
1
100

Individual-level Variables

last income date
Description
The date on which the most recent income payment was received, as of diary day 0.
Survey Question
q18
Details
Converted to Stata date format.
Back to top

217

Individual-level Variables

layaway
Description
Whether the respondent put a purchase on layaway during the three-day diary period.

layaway
0
1
Total

Survey Question
pay613
Coding
0
1

No
Yes
Back to top

218

No.
2,813
21
2,834

%
99
1
100

Individual-level Variables

male
Description
Whether respondent is male.

male
0
1
Total

Survey Question
N/A
Coding
0
1

No
Yes
Back to top

219

No.
1,634
1,214
2,848

%
57
43
100

Individual-level Variables

marital status
Description
Respondent’s marital status.

marital status
1
2
3
4
5
6
Total

Survey Question
From UAS My Household Questionnaire.
Coding
1
2
3
4
5
6

Married, living together
Married, spouse lives elsewhere
Separated
Divorced
Widowed
Never married
Back to top

220

No.
1,674
43
45
458
128
499
2,847

%
59
2
2
16
4
18
100

Individual-level Variables

memory checkbook
Description
Whether the respondent used the small checkbook memory aid.

memory checkbook
0
1
Total

Survey Question
q25
Coding
0
1

No
Yes
Back to top

221

No.
1,888
941
2,829

%
67
33
100

Individual-level Variables

memory finrec
Description
Whether the respondent referenced financial records
as a memory aid.
Survey Question
q25
Coding
0
1

No
Yes
Back to top

222

memory finrec No.
0
1,680
1
1,149
Total
2,829

%
59
41
100

Individual-level Variables

memory lpd
Description
Whether the respondent used the large paper
diary as a memory aid.

memory lpd
0
1
Total

Survey Question
q25
Coding
0
1

No
Yes
Back to top

223

No.
2,357
472
2,829

%
83
17
100

Individual-level Variables

memory oth
Description
Whether the respondent used some other memory aid.

memory oth
0
1
Total

Survey Question
q25
Coding
0
1

No
Yes
Back to top

224

No.
2,677
152
2,829

%
95
5
100

Individual-level Variables

memory receipts
Description
Whether the respondent kept receipts to use as
a memory aid.

memory receipts
0
1
Total

Survey Question
q25
Coding
0
1

No
Yes
Back to top

225

No.
946
1,883
2,829

%
33
67
100

Individual-level Variables

mobile howfunded
Description
How the mobile app used for the payment is
funded.
Survey Question
q161
Coding
1
2
3
4
5
6

Credit card
Debit card
Prepaid card
Linked bank account
Money stored at payment service (e.g. PayPal)
Other
Back to top

226

mobile howfunded
1
2
3
4
5
6
7
Total

No.
5
21
2
12
3
1
1
45

%
11
47
4
27
7
2
2
100

Individual-level Variables

new loan
Description
Whether a new loan was taken out during the
three-day diary period.

new loan No.
0
2,825
1
7
Total
2,832

Survey Question
pay616
Coding
0
1

No
Yes
Back to top

227

%
100
0
100

Individual-level Variables

new loan amnt
Description
The amount of the new loan taken out during
the three-day diary period.
Survey Question
pay616 c
Back to top

0

N
7

228

2000

min med
33 3500

4000

mean
3376.14

max
8000

6000

sd
3327.48

Individual-level Variables

next income date
Description
The next date on which income is expected to
be received, as of the third diary day.
Survey Question
q19
Details
Converted to Stata date format.
Back to top

229

Individual-level Variables

other assets
Description
Approximate value of other assets, not including primary home.
Survey Question
de016
Details
This is an SCPC variable merged into this dataset
for convenience.
Back to top
0

500000 1000000150000020000002500000

N
min
2816
0

230

med
20000

mean
154799

max
5e+07

sd
1.05653e+06

Individual-level Variables

other debts
Description
Approximate value of other debts, not including debt on primary home.
Survey Question
de019
Details
This is an SCPC variable merged into this dataset
for convenience.
Back to top
0

N
min
2825
0

231

100000

med
9500

200000

mean
28356.9

max
3e+06

300000

sd
89438.1

Individual-level Variables

payday loan
Description
Whether the respondent took out a payday loan
during the diary period.

payday loan No.
0
2,820
1
5
Total
2,825

Survey Question
pay615
Coding
0
1

No
Yes
Back to top

232

%
100
0
100

Individual-level Variables

paypref 100plus
Description
The respondent’s preferred payment method for
transactions greater than 100 dollars.
Survey Question
q160 pm e
Coding
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

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-account transfer
Mobile phone payment
Other payment method
Deduction from income

Back to top

233

paypref 100plus
1
2
3
4
5
6
7
8
9
10
11
12
13
Total

No.
213
200
1,221
1,043
46
23
27
34
1
6
3
9
6
2,832

%
8
7
43
37
2
1
1
1
0
0
0
0
0
100

Individual-level Variables

paypref 10to25
Description
The respondent’s preferred payment method for
transactions between 10 and 25 dollars.
Survey Question
q160 pm b
Coding
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

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-account transfer
Mobile phone payment
Other payment method
Deduction from income

Back to top

234

paypref 10to25
1
2
3
4
5
6
8
10
12
13
Total

No.
1,026
50
577
1,143
25
3
1
1
3
3
2,832

%
36
2
20
40
1
0
0
0
0
0
100

Individual-level Variables

paypref 25to50
Description
The respondent’s preferred payment method for
transactions between 25 and 50 dollars.
Survey Question
q160 pm c
Coding
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

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-account transfer
Mobile phone payment
Other payment method
Deduction from income

Back to top

235

paypref 25to50
1
2
3
4
5
6
7
8
10
12
13
Total

No.
489
107
770
1,406
38
4
2
5
2
5
3
2,831

%
17
4
27
50
1
0
0
0
0
0
0
100

Individual-level Variables

paypref 50to100
Description
The respondent’s preferred payment method for
transactions between 50 and 100 dollars.
Survey Question
q160 pm d
Coding
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

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-account transfer
Mobile phone payment
Other payment method
Deduction from income

Back to top

236

paypref 50to100
1
2
3
4
5
6
7
8
10
12
13
Total

No.
310
138
928
1,360
40
7
11
24
3
6
4
2,831

%
11
5
33
48
1
0
0
1
0
0
0
100

Individual-level Variables

paypref b1
Description
Preferred bill payment method.

paypref b1
1
2
3
4
5
6
7
8
10
11
12
13
Total

Survey Question
q115 b
Coding
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

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-account transfer
Mobile phone payment
Other payment method
Deduction from income

Back to top

237

No.
229
510
293
693
34
261
705
39
3
22
34
15
2,838

%
8
18
10
24
1
9
25
1
0
1
1
1
100

Individual-level Variables

paypref b1 why
Description
Reason for preferred bill payment method.

paypref b1 why
1
2
3
4
5
6
7
8
9
10
Total

Survey Question
q116 b
Coding
1
2
3
4
5
6
7
8
9
10

Security
Accepted lots of places
Cost
Convenience
Budget control
Rewards
Speed
Payment records
Getting and setting up
Other

Back to top

238

No.
452
410
312
339
303
288
261
228
221
24
2,838

%
16
14
11
12
11
10
9
8
8
1
100

Individual-level Variables

paypref b2
Description
Fallback bill payment method.

paypref b2
1
2
3
4
5
6
7
8
9
10
11
12
13
Total

Survey Question
q117 b
Coding
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

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-account transfer
Mobile phone payment
Other payment method
Deduction from income

Back to top

239

No.
400
746
474
544
51
229
172
106
1
17
21
51
25
2,837

%
14
26
17
19
2
8
6
4
0
1
1
2
1
100

Individual-level Variables

paypref b2 why
Description
Reason for fallback bill payment method.

paypref b2 why
1
2
3
4
5
6
7
8
9
10
Total

Survey Question
q118 b
Coding
1
2
3
4
5
6
7
8
9
10

Security
Accepted lots of places
Cost
Convenience
Budget control
Rewards
Speed
Payment records
Getting and setting up
Other

Back to top

240

No.
402
413
360
307
319
285
217
235
260
39
2,837

%
14
15
13
11
11
10
8
8
9
1
100

Individual-level Variables

paypref lt10
Description
The respondent’s preferred payment method for
transactions less than 10 dollars.
Survey Question
p160 pm a
Coding
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

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-account transfer
Mobile phone payment
Other payment method
Deduction from income

Back to top

241

paypref lt10
1
2
3
4
5
6
7
10
11
12
13
Total

No.
1,908
15
292
592
13
2
1
1
1
3
3
2,831

%
67
1
10
21
0
0
0
0
0
0
0
100

Individual-level Variables

paypref nb1
Description
Preferred non-bill payment method.

paypref nb1
1
2
3
4
5
6
7
8
9
10
11
12
13
Total

Survey Question
q115 a
Coding
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

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-account transfer
Mobile phone payment
Other payment method
Deduction from income

Back to top

242

No.
675
74
753
1,239
37
12
12
5
2
13
1
8
7
2,838

%
24
3
27
44
1
0
0
0
0
0
0
0
0
100

Individual-level Variables

paypref nb1 why
Description
Reason for preferred non-bill payment method.

paypref nb1 why
1
2
3
4
5
6
7
8
9
10
Total

Survey Question
q116 a
Coding
1
2
3
4
5
6
7
8
9
10

Security
Accepted lots of places
Cost
Convenience
Budget control
Rewards
Speed
Payment records
Getting and setting up
Other

Back to top

243

No.
428
414
353
315
310
305
242
225
223
23
2,838

%
15
15
12
11
11
11
9
8
8
1
100

Individual-level Variables

paypref nb2
Description
Fallback non-bill payment method.

paypref nb2
1
2
3
4
5
6
7
8
9
10
11
12
13
Total

Survey Question
q117 a
Coding
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

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-account transfer
Mobile phone payment
Other payment method
Deduction from income

Back to top

244

No.
1,186
367
452
508
88
38
42
59
2
40
4
24
27
2,837

%
42
13
16
18
3
1
1
2
0
1
0
1
1
100

Individual-level Variables

paypref nb2 why
Description
Reason for fallback non-bill payment method.

paypref nb2 why
1
2
3
4
5
6
7
8
9
10
Total

Survey Question
q118 a
Coding
1
2
3
4
5
6
7
8
9
10

Security
Accepted lots of places
Cost
Convenience
Budget control
Rewards
Speed
Payment records
Getting and setting up
Other

Back to top

245

No.
431
431
319
308
312
287
229
232
260
28
2,837

%
15
15
11
11
11
10
8
8
9
1
100

Individual-level Variables

paypref web
Description
Preferred online payment method.

paypref web
1
2
3
4
5
6
7
8
10
11
12
13
Total

Survey Question
q115 c
Coding
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

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-account transfer
Mobile phone payment
Other payment method
Deduction from income

Back to top

246

No.
20
9
1,282
972
143
15
10
21
289
4
5
65
2,835

%
1
0
45
34
5
1
0
1
10
0
0
2
100

Individual-level Variables

paypref web why
Description
Reason for preferred online payment method.

paypref web why
1
2
3
4
5
6
7
8
9
10
11
Total

Survey Question
q116 c
Coding
1
2
3
4
5
6
7
8
9
10

Security
Accepted lots of places
Cost
Convenience
Budget control
Rewards
Speed
Payment records
Getting and setting up
Other

Back to top

247

No.
387
403
335
312
291
270
249
273
240
30
45
2,835

%
14
14
12
11
10
10
9
10
8
1
2
100

Individual-level Variables

race asian
Description
Respondent reported their race as Asian.

race asian
0
1
Total

Survey Question
From UAS My Household Questionnaire.
Coding
0
1

No
Yes
Back to top

248

No.
2,788
56
2,844

%
98
2
100

Individual-level Variables

race black
Description
Respondent reported their race as Black.

race black
0
1
Total

Survey Question
From UAS My Household Questionnaire.
Coding
0
1

No
Yes
Back to top

249

No.
2,606
238
2,844

%
92
8
100

Individual-level Variables

race other
Description
Respondent reported their race as something
other than White, Black, or Asian.

race other
0
1
Total

Survey Question
From UAS My Household Questionnaire.
Coding
0
1

No
Yes
Back to top

250

No.
2,686
162
2,848

%
94
6
100

Individual-level Variables

race white
Description
Respondent reported their race as White.

race white
0
1
Total

Survey Question
From UAS My Household Questionnaire.
Coding
0
1

No
Yes
Back to top

251

No.
456
2,388
2,844

%
16
84
100

Individual-level Variables

scpc date
Description
Date on which the SCPC was begun. Variables
which are pulled from the SCPC, like homeowner,
can be reliably dated to this date.
Survey Question
start date
Details
This is an SCPC variable merged into this dataset
for convenience. Converted to Stata date format.
Back to top

252

Individual-level Variables

state reside
Description
State of residence. Note that this variable
is not available in the public use dataset.
Survey Question
statereside
Details
As reported in My Household Questionnaire.

253

Coding
1
2
4
5
6
8
9
10
11
12
13
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
44
45
46
47
48
49
50
51
53
54
55
56

AL
AK
AR
AS
CA
CO
CT
DE
DC
FL
GA
HI
ID
IL
IN
IA
KS
KY
LA
ME
MD
MA
MI
MN
MS
MO
MT
NE
NV
NH
NJ
NM
NY
NC
ND
OH
OK
OR
PA
RI
SC
SD
TN
TX
UT
VT
VA
WA
WV
WI
WY

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254

Individual-level Variables

storedcash amnt
Description
The dollar amount of cash stored (not on hand)
by the respondent.
Survey Question
Reported in the ”Count your paper cash stored
elsewhere” screen on day 0.
Details
Implied by the number of each bill that the respondent reports having stored elsewhere.
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0

2000

N
min
1165
0

255

med
100

4000

mean
569.68

6000

8000

max
32320

sd
1779.76

Individual-level Variables

storedcash amnt payments
Description
The amount of stored cash which is kept for
payment purposes.
Survey Question
dcpc pa015 c
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0

N min
408
0

256

1000

med
25

2000

mean
355.248

3000

max
31440

4000

sd
1671.49

Individual-level Variables

storedcash amnt savings
Description
The amount of stored cash which is kept for
savings purposes.
Survey Question
dcpc pa015 d
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0

500

N min
363
0

257

med
0

1000

mean
235.284

1500

max
15384

2000

2500

sd
1208.15

Individual-level Variables

used fsa
Description
Whether the respondent used an FSA during
the three-day diary period.

used fsa No.
0
2,828
1
6
Total
2,834

Survey Question
pay614
Coding
0
1

No
Yes
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258

%
100
0
100

Individual-level Variables

used heloc
Description
Whether the respondent used a HELOC during
the three-day diary period.

used heloc No.
0
1,969
1
1
Total
1,970

Survey Question
pay617
Coding
0
1

No
Yes
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259

%
100
0
100

Individual-level Variables

why nocash
Description
Why the respondent does not have any cash, as
reported on diary day 0.

why nocash No.
1
117
2
352
3
17
4
4
5
39
Total
529

Survey Question
q1a
Coding
1
2
3
4
5

I just ran out and I need to get more
I usually do not carry cash
I gave my cash to someone else
My cash was stolen or lost
Other
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260

%
22
67
3
1
7
100

Individual-level Variables

work disabled
Description
Respondent is disabled.

work disabled
0
1
Total

Survey Question
q14
Details
Note that, while respondents were given the option to type in some “Other” employment response, all of those that did were easily recategorized.
Coding
0
1

No
Yes
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261

No.
2,569
272
2,841

%
90
10
100

Individual-level Variables

work employed
Description
Respondent is employed.

work employed
0
1
Total

Survey Question
q14
Details
Note that, while respondents were given the option to type in some “Other” employment response, all of those that did were easily recategorized.
Coding
0
1

No
Yes
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262

No.
1,015
1,826
2,841

%
36
64
100

Individual-level Variables

work looking
Description
Respondent is a homemaker.

work looking
0
1
Total

Survey Question
q14
Details
Note that, while respondents were given the option to type in some “Other” employment response, all of those that did were easily recategorized.
Coding
0
1

No
Yes
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263

No.
2,683
158
2,841

%
94
6
100

Individual-level Variables

work occupation
Description
Whether respondent works for government, nonprofit, or is self-employed.
Survey Question
q15
Coding
1
2
3
4

Government
Private for profit
Non-profit
Self-employed
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264

work occupation
1
2
3
4
Total

No.
399
978
247
171
1,795

%
22
54
14
10
100

Individual-level Variables

work onleave
Description
Respondent is unemployed and looking for work.
Survey Question
q14
Details
Note that, while respondents were given the option to type in some “Other” employment response, all of those that did were easily recategorized.
Coding
0
1

No
Yes
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265

work onleave
0
1
Total

No.
2,817
24
2,841

%
99
1
100

Individual-level Variables

work oth
Description
Respondent is retired.

work oth
0
1
Total

Survey Question
q14
Details
Note that, while respondents were given the option to type in some “Other” employment response, all of those that did were easily recategorized.
Coding
0
1

No
Yes
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266

No.
2,646
195
2,841

%
93
7
100

Individual-level Variables

work retired
Description
Respondent is self-employed.

work retired
0
1
Total

Survey Question
q14
Details
Note that, while respondents were given the option to type in some “Other” employment response, all of those that did were easily recategorized.
Coding
0
1

No
Yes
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267

No.
2,318
523
2,841

%
82
18
100

Individual-level Variables

work self
Description
Respondent is a student.

work self
0
1
Total

Survey Question
q14
Details
Note that, while respondents were given the option to type in some “Other” employment response, all of those that did were easily recategorized.
Coding
0
1

No
Yes
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268

No.
1,624
171
1,795

%
90
10
100

Individual-level Variables

work temp unemployed
Description
Respondent is temporarily unemployed.

work temp unemployed
0
1
Total

Survey Question
q14
Details
Note that, while respondents were given the option to type in some “Other” employment response, all of those that did were easily recategorized.
Coding
0
1

No
Yes
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269

No.
2,816
25
2,841

%
99
1
100