Scotland's people:Annual Report: Results from the 2003/2004 Scottish Household Survey

Table 6.35: Net annual household income by household type
Column percentages, 2003/2004 data
Households

	Single adult	Small adult	Single parent	Small family	Large family	Large adult	Older smaller	Single pensioner	All
£0 - £6,000	17	4	4	1	1	4	6	21	8
£6001 - £10,000	24	8	29	4	4	8	23	47	19
£10,001 - £15,000	28	13	37	9	12	14	32	23	21
£15,001 -£20,000	17	16	17	14	15	16	19	5	15
£20,001 - £25,000	7	17	7	18	16	17	10	2	11
£25,001 - £30,000	3	15	3	19	17	15	5	1	9
£30,001 - £40,000	2	16	2	23	22	16	4	1	10
Over £40,000	1	11	1	12	13	9	2	0	6
Total (Income known)	100	100	100	100	100	100	100	100	100
Base	4,716	5,029	1,730	4,216	2,017	2,873	4,391	4,760	29,732

Table 6.36: Net annual household income by marital status of Highest Income Householder
Column percentages, 2003/2004 data
Households

	Married	Cohabiting (living together)	Single/ never been married	Widowed	Divorced	Separated	All
£0 - £6,000	2	2	14	21	14	12	8
£6001 - £10,000	9	6	27	45	32	24	19
£10,001 - £15,000	15	13	31	24	30	31	21
£15,001 -£20,000	16	16	16	7	15	19	15
£20,001 - £25,000	16	20	6	2	6	8	11
£25,001 - £30,000	15	18	3	1	2	3	9
£30,001 - £40,000	17	16	2	0	1	2	10
Over £40,000	10	9	1	0	1	0	6
Total (Income known)	100	100	100	100	100	100	100
Base	14,632	2,126	5,009	4,272	2,405	1,288	29,732

Table 6.37: Net annual household income by sex of Highest Income Householder
Column percentages, 2003/2004 data
Households

	Male	Female	All
£0 - £6,000	6	12	8
£6001 - £10,000	13	28	19
£10,001 - £15,000	18	25	21
£15,001 -£20,000	16	13	15
£20,001 - £25,000	14	8	11
£25,001 - £30,000	12	5	9
£30,001 - £40,000	13	6	10
Over £40,000	8	3	6
Total (Income known)	100	100	100
Base	17,977	11,755	29,732

Table 6.38: Whether respondent or partner has any savings or investments by net annual household income
Column percentages, 2003/2004 data
Households

	£0 - £6,000	£6,000 - £10,000	£10,001 - £15,000	£15,001 - £20,000	£20,001 - £25,000	£25,001 - £30,000	£30,001 - £40,000	Over £40,000	All (income known)
Yes	39	40	46	55	61	68	74	85	54
No	52	53	47	38	32	25	19	11	39
Refused	8	6	6	6	6	6	7	3	6
Don't know	1	0	0	1	1	1	1	1	1
Total	100	100	100	100	100	100	100	100	100
Base	2,566	5,697	6,126	4,338	3,429	2,772	3,063	1,741	29,732

Table 6.39: Whether respondent or partner has any savings or investments by household type
Column percentages, 2003/2004 data
Households

	Single adult	Small adult	Single parent	Small family	Large family	Large adult	Older smaller	Single pensioner	All
Yes	44	62	22	56	50	58	63	52	53
No	50	31	74	38	43	33	25	36	38
Refused	6	7	4	5	6	8	11	11	8
Don't know	0	1	0	1	1	1	1	1	1
Total	100	100	100	100	100	100	100	100	100
Base	4,976	5,153	1,777	4,248	2,036	2,938	4,655	5,039	30,822

Table 6.40: Whether respondent or partner has any savings or investments by local authority
Row percentages, 2003/2004 data
Households

	Yes	No	Refused	Don't know	Total	Base
Aberdeen City	62	34	3	0	100	1,232
Aberdeenshire	66	27	7	1	100	1,237
Angus	58	36	5	1	100	628
Argyll and Bute	59	36	5	1	100	551
Clackmannanshire	53	42	4	1	100	579
Dumfries and Galloway	56	37	6	1	100	815
Dundee City	33	52	14	1	100	866
East Ayrshire	44	48	7	1	100	696
East Dunbartonshire	66	24	8	1	100	553
East Lothian	58	35	7	0	100	549
East Renfrewshire	65	30	5	0	100	580
Edinburgh City	55	36	9	1	100	2,509
Eilean Siar	57	38	4	-	100	549
Falkirk	59	35	5	1	100	824
Fife	61	34	5	1	100	2,083
Glasgow City	38	49	12	1	100	3,294
Highland	62	33	5	0	100	1,167
Inverclyde	58	35	6	0	100	554
Midlothian	61	22	17	0	100	561
Moray	58	33	9	1	100	613
North Ayrshire	42	47	10	0	100	752
North Lanarkshire	42	50	8	0	100	1,758
Orkney	83	14	2	1	100	665
Perth and Kinross	62	33	4	1	100	674
Renfrewshire	51	43	6	1	100	1,000
Scottish Borders	63	32	5	0	100	663
Shetland	50	25	23	2	100	653
South Ayrshire	53	39	9	0	100	624
South Lanarkshire	55	34	10	1	100	1,587
Stirling	64	28	7	1	100	612
West Dunbartonshire	48	47	4	1	100	509
West Lothian	52	39	8	1	100	885
Scotland	53	38	8	1	100	30,822

Table 6.41: Whether respondent or partner has any savings or investments by year
Column percentages, 1999-2004 data
Households

	1999	2000	2001	2002	2003	2004
Yes	53.5	52.7	52.7	53.8	54.2	52.4
No	40.0	40.2	39.8	37.3	37.0	39.4
Refused	6.0	6.6	6.9	8.0	8.1	7.5
Don't know	0.5	0.5	0.6	0.9	0.7	0.7
Total	100	100	100	100	100	100.0
Base	14,654	15,545	15,557	15,072	14,880	15,942

Table 6.42: How the household is managing financially this year by whether respondent or partner has any saving or investments
Column percentages, 2004 data
Households

	Has savings/ investments	No savings/ investments	Refused	Don't Know	All
Manage very well	21	4	13	14	14
Manage quite well	41	23	33	38	33
Get by alright	34	52	48	40	42
Don't manage very well	2	9	4	3	5
Have some financial difficulties	2	10	2	4	5
Are in deep financial trouble	0	2	0	1	1
Total	100	100	100	100	100
Base	8,451	6,131	1,144	100	15,826

Data not available for 2003

Table 6.43: Amount of savings and investments by net annual household income
Column percentages, 2003/2004 data
Households with any savings/investments

	£0 - £6,000	£6,000 - £10,000	£10,001 - £15,000	£15,001 - £20,000	£20,001 - £25,000	£25,001 - £30,000	£30,001 - £40,000	Over £40,000	All (income known)
Under £1,000	29	28	27	23	19	16	10	5	20
£1,000 - £4,999	25	30	27	27	27	28	26	14	26
£5,000 - £9,999	13	16	15	13	19	17	21	14	16
£10,000 - £15,999	9	9	9	10	10	13	12	13	11
£16,000 - £29,999	9	7	9	10	9	9	13	16	10
£30,000 - £74,999	8	7	9	10	9	10	10	17	10
£75,000 or more	8	4	4	6	8	8	9	21	8
Total	100	100	100	100	100	100	100	100	100
Base	684	1,653	2,111	1,766	1,585	1,353	1,633	1,198	11,983

Table 6.44: Amount of savings and investments by household type
Column percentages, 2003/2004 data
Households with any savings/investments

	Single adult	Small adult	Single parent	Small family	Large family	Large adult	Older smaller	Single pensioner	All
Under £1,000	26	17	50	21	25	16	10	21	20
£1,000 - £4,999	28	25	27	32	28	25	18	27	26
£5,000 - £9,999	15	17	9	18	15	19	14	16	16
£10,000 - £15,999	9	11	5	10	10	13	12	10	11
£16,000 - £29,999	10	10	4	9	10	12	12	9	10
£30,000 - £74,999	7	10	2	7	7	9	18	9	10
£75,000 or more	5	10	3	3	5	7	15	7	8
Total	100	100	100	100	100	100	100	100	100
Base	1,802	2,381	348	1,856	791	1,206	1,930	1,825	12,139

Table 6.45: Whether respondent or partner has a bank or building society account by household type
Column percentages, 2003/2004 data
Households

	Single adult	Small adult	Single parent	Small family	Large family	Large adult	Older smaller	Single pensioner	All
Yes	85	94	80	95	92	94	90	84	89
No	12	3	17	3	5	3	5	9	7
Refused	4	3	3	2	3	3	5	6	4
Total	100	100	100	100	100	100	100	100	100
Base	4,976	5,153	1,777	4,248	2,036	2,938	4,655	5,039	30,822

Table 6.46: Whether respondent or partner has a bank or building society account by local authority
Row percentages, 2003/2004 data
Households

	Yes	No	Refused	Total	Base
Aberdeen City	95	3	2	100	1,232
Aberdeenshire	94	3	3	100	1,237
Angus	95	3	1	100	628
Argyll and Bute	90	7	3	100	551
Clackmannanshire	91	7	2	100	579
Dumfries and Galloway	93	5	2	100	815
Dundee City	90	6	4	100	866
East Ayrshire	89	9	1	100	696
East Dunbartonshire	92	2	5	100	553
East Lothian	92	4	5	100	549
East Renfrewshire	93	4	3	100	580
Edinburgh City	93	4	3	100	2,509
Eilean Siar	94	6	0	100	549
Falkirk	93	6	1	100	824
Fife	95	4	1	100	2,083
Glasgow City	76	15	9	100	3,294
Highland	95	3	3	100	1,167
Inverclyde	83	12	5	100	554
Midlothian	90	3	7	100	561
Moray	97	1	2	100	613
North Ayrshire	87	7	5	100	752
North Lanarkshire	85	10	5	100	1,758
Orkney	98	2	-	100	665
Perth and Kinross	96	3	2	100	674
Renfrewshire	88	9	3	100	1,000
Scottish Borders	94	4	3	100	663
Shetland	83	4	13	100	653
South Ayrshire	91	5	4	100	624
South Lanarkshire	86	7	7	100	1,587
Stirling	95	3	2	100	612
West Dunbartonshire	85	11	3	100	509
West Lothian	89	9	3	100	885
Scotland	89	7	4	100	30,822

Table 6.47: Whether respondent or partner has a bank or building society account by net annual household income
Column percentages, 2003/2004 data
Households

	£0 - £6,000	£6,000 - £10,000	£10,001 - £15,000	£15,001 - £20,000	£20,001 - £25,000	£25,001 - £30,000	£30,001 - £40,000	Over £40,000	All (income known)
Yes	81	82	89	94	97	97	97	99	91
No	15	15	9	3	1	0	0	0	7
Refused	4	3	2	3	2	2	2	1	3
Total	100	100	100	100	100	100	100	100	100
Base	2,566	5,697	6,126	4,338	3,429	2,772	3,063	1,741	29,732

Table 6.48: Whether respondent or partner has a bank or building society account by year
Column percentages, 1999-2004 data
Households

	1999	2000	2001	2002	2003	2004
Yes	85.8	86.1	86.7	87.6	88.7	89.9
No	11.8	11.6	11.0	8.6	7.0	6.3
Refused	2.4	2.3	2.3	3.8	4.2	3.8
Total	100	100	100	100	100	100.0
Base	14,654	15,545	15,566	15,073	14,880	15,942

Table 6.49: Whether household has insurance by whether respondent or partner has a bank or building society account
Column percentages, 2003/2004 data
Households

	Yes	No	Refused	All
Home contents and building insurance	66	9	52	62
Home contents insurance only	20	24	23	21
Building insurance only	1	1	1	1
Neither	12	65	18	15
Don't Know	0	2	6	1
Total	100	100	100	100
Base	27,653	1,959	1,210	30,822

Please note that these figures are not directly comparable to previous years owing ot improvements to the questionnaire scripting

Table 6.50: Whether household has insurance by tenure
Column percentages, 2003/2004 data
Households

	Owned outright	Buying with help of loan/mortgage	Rent - Local Authority/ Scottish Homes	Rent - Housing Association/ Co-op	Rent - Private Landlord	Other	All
Home contents and building insurance	95	96	-	-	-	-	62
Home contents insurance only	2	1	57	54	52	69	21
Building insurance only	2	2	-	-	-	-	1
Neither	1	1	42	44	45	29	15
Don't know	0	0	1	2	4	2	1
Total	100	100	100	100	100	100	100
Base	8,826	11,319	6,039	2,113	1,927	598	30,822

Please note that these figures are not directly comparable to previous years owing to improvements to the questionnaire scripting.

Table 6.51: Whether household in rented tenures have contents insurance by year
Column percentages, 1999-2004 data
Households in rented tenures

	1999	2000	2001	2002	2003	2004
Yes	59.3	60.9	59.2	61.8	56.1	55.4
No	38.0	36.8	38.6	35.3	40.4	41.1
Dont know	2.7	2.2	2.1	2.9	3.5	3.4
Total	100.0	100.0	100.0	100.0	100.0	100.0
Base	5,048	5,201	5,024	4,680	4,742	5,255

Improvements to the questionnaire script in 2003 may have affected the direct comparisons (previously, tenants may have misreported contents insurance as buildings insurance).

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Scotland's people:Annual Report: Results from the 2003/2004 Scottish Household Survey