Our clients and their World

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Presentation transcript:

Our clients and their World Sharon Bell, Head of StepChange Debt Charity Scotland Money Advice Scotland Conference 2017

UK Client numbers have been rising sharply Source: StepChange Statistics Yearbook 2016 Money Advice Scotland Conference 2017

Scottish Client numbers – on the rise Source: Scotland in the Red 2016

Debt, income and expenditure 2012 2013 2014 2015 2016 2012-2016 change Average debt £14,138 £13,533 £12,341 £12,256 £12,677 -£1,461 Average monthly income £1,166 £1,193 £1,199 £1,198 £1,264 +£98 Budget surplus £20 £24 £21 £4 £7 -£13 % of income spent on priorities 52% 47% 45% 48% 53% +1

Money Advice Scotland Conference 2017 Our clients’ debts Source: StepChange Statistics Yearbook 2016 Money Advice Scotland Conference 2017

Consumer credit – proportion of clients Money Advice Scotland Conference 2017

Our clients’ priority arrears Source: StepChange Statistics Yearbook 2016 Money Advice Scotland Conference 2017

Priority arrears - value Priority type 2012 2013 2014 2015 2016 2012-2016 £ and (%) change Rent £575 £594 £692 £800 £706 +£131 (+23%) Mortgage £2,335 £2,611 £2,331 £2,323 £3,486 +£1,151 (+49%) Electricity £537 £543 £671 £710 £717 +£180 (+34%) Gas £436 £539 £535 £569 +£133 (+31%) Council Tax £1,338 £1,368 £1,592 £1,596 £1,731 +£393 (+29%) Money Advice Scotland Conference 2017

Money Advice Scotland Conference 2017 Where our clients live Source: StepChange Statistics Yearbook 2016 Money Advice Scotland Conference 2017

Money Advice Scotland Conference 2017 Top 5 Scottish local authority areas Local Authority 2012 2016 2012-2016 % change Glasgow 638 1,117 +75% Edinburgh City 372 565 +52% North Lanarkshire 339 560 +65% South Lanarkshire 316 554 Fife 334 546 +63% Money Advice Scotland Conference 2017

8 out of 10 of our clients now rent their home Source: StepChange Statistics Yearbook 2016 Money Advice Scotland Conference 2017

Debt and Housing - Scotland Money Advice Scotland Conference 2017

Debt and Housing - Scotland Money Advice Scotland Conference 2017

Clients are more likely to be single parents or couples with children Source: StepChange Statistics Yearbook 2016 Money Advice Scotland Conference 2017

Demographics of debt - families Money Advice Scotland Conference 2017

More of our clients work than don’t Source: StepChange Statistics Yearbook 2016 Money Advice Scotland Conference 2017

Rising inflation and falling benefits will squeeze clients’ incomes Money Advice Scotland Conference 2017

Money Advice Scotland Conference 2017 How can we help? Money Advice Scotland Conference 2017

Sharon.bell@stepchange.org Tele: 0141 270 1444 Thank You Sharon.bell@stepchange.org Tele: 0141 270 1444

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