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

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

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

4. Debt, income and expenditure
2012
2013
2014
2015
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

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

6. Consumer credit – proportion of clients
Money Advice Scotland Conference 2017

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

8. Priority arrears - value
Priority type
2012
2013
2014
2015
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

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

10. Money Advice Scotland Conference 2017
Top 5 Scottish local authority areas
Local Authority
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

11. 8 out of 10 of our clients now rent their home
Source: StepChange Statistics Yearbook 2016
Money Advice Scotland Conference 2017

12. Debt and Housing - Scotland
Money Advice Scotland Conference 2017

13. Debt and Housing - Scotland
Money Advice Scotland Conference 2017

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

15. Demographics of debt - families
Money Advice Scotland Conference 2017

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

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

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

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