RTE Frontline and Irish Daily Mail Survey November 2012
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1 RTE Frontline/Irish Daily Mail
Budget 2013: Fears & Hopes Amárach Briefing for RTE Frontline/Irish Daily Mail
November 2012
For the second year running, RTE Frontline and the Irish Daily Mail have commissioned Amárach Research to examine the mood of the nation ahead of Budget 2013. The findings are based on a nationally representative sample of 1,000 adults in Ireland, interviewed online in November 2012. With economic uncertainly increasing rather than decreasing, we have examined the current financial circumstances of the nation’s households and families, and their preferences for tax and spending changes in the forthcoming budget. This report summarises the main findings including comparisons with key findings from the 2011 study.
RTE Frontline/
Irish Daily Mail
1. Under Pressure
consumer behaviour
2. Debt Problems
mortgages & loans
3. Balancing Act
Budget 2013
1. Under Pressure
consumer behaviour
5 RTE Frontline/Irish Daily Mail
Feeling the Pinch
Source: Amárach Research, November 2011/12
%
Decreased
2011
%
Decreased
2012
All Adults 68 68
Males 65 69
Females 70 70
18-24s 37 46
25-34s 62 62
35-44s 78 74
45-54s 86 84
55+ 74 75 Q. Would you say your level of disposable income has
increased or decreased over the last year?
39%
29%
18%
11%
4%
40%
28%
19%
10%
2%
decreasedsignificantly
decreasedslightly
no changeeither way
increasedslightly
increasedsignificantly
Incomes Under Pressure 2011 vs 2012
2011 2012
6 RTE Frontline/Irish Daily Mail
Money Remaining
Source: Amárach Research, November 2012
(not asked in 2011)
Q. Typically how much money do you have left at the end of the month
(assuming you are paid weekly please give the average of monthly),
before your next wage or salary payment?
%
Nothing
Left 2012
All Adults 31
Males 27
Females 36
18-24s 22
25-34s 30
35-44s 35
45-54s 36
55+ 26
31%
21%
35%
7% 7%
Nothing € 1 to 99 € 100 to 499 €500+ Refused
Money remaining at the end of the month
7 RTE Frontline/Irish Daily Mail
Deep Impact
Source: Amárach Research, November 2011/12
Q. Have any of the following happened/occurred in your household in the
past 12 months?
%
None 2011
%
None 2012
All Adults 31 34
Males 28 29
Females 34 39
18-24s 44 43
25-34s 26 31
35-44s 23 23
45-54s 22 25
55+ 38 43
31%
9%
15% 19%
54%
34%
11%
20% 20%
46%
none of these missing amortgage
repayment
buyinggroceries oncredit due to
insufficientfunds
missing aloan
repayment
a reduction inincome due
to taxincreases
Past Experiences
2011 2012
8 RTE Frontline/Irish Daily Mail
Making An Effort
Source: Amárach Research, November 2011/12
%
Strong
2011
%
Strong
2012
All Adults 56 66
Males 52 62
Females 60 70
18-24s 38 49
25-34s 58 67
35-44s 60 71
45-54s 75 75
55+ 51 68
Q. What effort, if any, have you made in the past 12 months
to reduce you household expenditure?
56%
38%
6%
66%
30%
4%
0%
10%
20%
30%
40%
50%
60%
70%
A strongeffort
A slighteffort
No effort atall
Cutting Expenditure 2011 vs 2012
2011 2012
9 RTE Frontline/Irish Daily Mail
Cut Leaders
Source: Amárach Research, November 2011/12
Q. In which of the following areas, if any, have you reduced household expenditure in the past 12 months?
86% 83%
80%
74%
58%
26%
81% 77%
71%
65%
37%
10%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
leisureexpenses
groceries &clothing
phone &energy
car & travel insurance childcare &schooling
Areas of Reduced Expenditure 2011 vs 2012
2011 2012
10 RTE Frontline/Irish Daily Mail
Bridging the Gap
Source: Amárach Research, November 2011/12
%
Family
2011
%
Family
2012
All Adults 32 35
Males 31 33
Females 34 38
18-24s 42 52
25-34s 46 52
35-44s 39 41
45-54s 30 24
55+ 12 15
Q. Over the past year, have you done any of the following?
32%
24%
9% 5%
47%
35%
26%
9% 4%
45%
borrowedmoneyfrom
friends orfamily
dependedmore on
credit cardto pay bills
borrowedmoneyfrom amoneylender
notdeclaredincome toavoid tax
none ofthese
Making Ends Meet 2011 VS 2012
2011 2012
11 RTE Frontline/Irish Daily Mail
Missed meals due to lack of money
% Missed
Meals
Total 32
Males 32
Females 33
18-24s 47
25-34s 42
35-44s 36
45-54s 25
55+ 18 Q. Have you missed a meal because of lack of money?
32%
68%
Yes No
Source: Amárach Research, November 2012
(not asked in 2011)
12 RTE Frontline/Irish Daily Mail
Savings Habits
Source: Amárach Research, November 2011/12
Q. Do you save regularly?
48% 52%
37%
29% 27%
25%
18% 15%
34%
55%
45%
38%
33% 33% 33%
19% 16%
27%
don't saveregularly
saveregularly
dippedinto
savings topay for:
groceries& clothing
phone &energy
bills
car &travel
expenses
insurance leisureexpenses
childcare&
schooling
none ofthese
Rainy Days 2011 VS 2012
Q. All who save regularly: Have you had to dip into savings over the last year to help pay for any of the following?
2011 2012
13 RTE Frontline/Irish Daily Mail
Future Concerns
Source: Amárach Research, November 2011/12
Q. How concerned that the following might happen in the next 12 months?
66% 65%
45% 42%
39% 38%
33%
70%
75%
49% 47%
42% 44%
34%
Income cut forself or partner
Income reductiondue to taxincreases
Reduced hoursfor self or partner
Redundancy forself or partner
Missing a loanrepayment
Buying grocerieson credit due to
lack of funds
Missing amortgagerepayment
Concerns for Next 12 Months 2011 vs 2012
2011 2012
14 RTE Frontline/Irish Daily Mail
Difficulty Coping
Source: Amárach Research, November 2011/12
€50
decrease
%
Easily
2011
%
Easily
2012
All Adults 24 21
Males 28 24
Females 20 17
18-24s 30 16
25-34s 26 19
35-44s 13 19
45-54s 16 22
55+ 31 23 Q. We would now like you to tell us the likely impact that the following
scenarios would have on your after tax income:
€50/100/150 monthly decrease in income
24%
12%
8%
21%
11%
8%
€50 monthly decrease
€100 monthly decrease
€150 monthly decrease
2011 Easily 2012 Easily
2. Debt Problems
mortgages & loans
16 RTE Frontline/Irish Daily Mail
Negative Equity
Source: Amárach Research, November 2011/12
%
Negative
Equity
2011
%
Negative
Equity
2012
All
Mortgage 22 30
Males 26 32
Females 17 28
18-24s 11 17
25-34s 33 55
35-44s 30 34
45-54s 14 24
55+ 15 18
Q. Base – all who pay mortgage: Now thinking about the value of
your home today, do you think it is worth more than you currently
owe on your mortgage, about the same as you currently owe on
your mortgage, or less than you currently owe on your mortgage?
50%
19% 22%
9%
42%
18%
30%
10%
value of homegreater than
mortgage
value of homesame asmortgage
value of homeless thanmortgage
don't know
2011 2012
17 RTE Frontline/Irish Daily Mail
Missed Payments
Source: Amárach Research, November 2011/12
Q. Have you missed any mortgage repayments in the past 12 months?
81%
19%
73%
26%
74%
25%
70%
27%
Have not missedany mortgagerepayments
Have missed oneor more mortgage
repayments
Have not missedany other loan
repayments
Have missed atleast one loan
repayment
Q. In the past 12 months have you missed a repayment on any other debt (e.g.: car loan, utility bill, phone bill etc)?
Base: All responsible for paying mortgage on the home
Average
number of
monthly
repayments
missed in
2012 = 3.9
2011 = 3.3
2011 2012
18 RTE Frontline/Irish Daily Mail
Missed Payments
Source: Amárach Research, November 2011/12
Q. If you have missed a mortgage repayment, have you been contacted by your mortgage provider?
Q. If so, how were you contacted?
19%
77% 79% 72%
8% 12%
87%
69% 65%
9%
Not contactedby mortgage
provider
Contacted bymortgageprovider
If contacted,how?
Post Phone Email
Mortgage Provider Contact
Base: All mortgage payees who have missed a repayment in past 12 months
2011 2012
3. Balancing Act
Budget 2013
20 RTE Frontline/Irish Daily Mail
Budget Balance 2011 VS 2012
Source: Amárach Research, November 2011/2012
%
Tax
Increases
2011
%
Tax
Increases
2012
All Adults 33 34
Males 32 34
Females 33 33
18-24s 38 36
25-34s 33 32
35-44s 31 32
45-54s 32 31
55+ 31 35 Q. What do you think should be the share of tax increases
and spending cuts in meeting the requirements of the
forthcoming budget?
33% 34%
67% 66%
2011 2012
Increase taxes Cut spending
21 RTE Frontline/Irish Daily Mail
Closing the Budget Gap 2011 VS 2012
Source: Amárach Research, November 2011/12
Q. For each tax or cut please say whether think the government should go ahead or not with each measure
76%
41% 39% 39% 39% 38%
35% 33% 33%
23% 20%
16%
70%
34% 31% 30%
34% 35%
31% 33%
21% 20% 17%
12%
Increase topincome tax
rate
Cut socialwelfare rates
tounemployed
Cut singleparents
allowance
Introduce aseptic tank
charge
Reintroduceuniversity
fees
Introducewater rates
forhouseholds
Cut childrensbenefit
Introduceproperty tax
forhouseholds
Increase rateof VAT
Cut in statepension level
Increasebottom
income taxrate
Increasecharges for
doctorvisits/A&E
Go ahead 2011 Go ahead 2012
22 RTE Frontline/Irish Daily Mail
Attitudes to Government Spending I
Q:Suppose the government had to choose between the following , which do you think it should choose?
55%
30%
15%
55%
36%
6%
Keep taxes and spendingon these services at the
same level as now
Increase taxes and spendmore on health, education
and social welfare
Reduce Taxes and spendless on health, education
and social welfare
Ireland UK
Source: Amárach Research, November 2011/12 , British Social Attitudes No. 29
23 RTE Frontline/Irish Daily Mail
Attitudes to Government Spending II
Q. Some people think that there should be more government spending on social welfare, while other people disagree. For
each of the groups I read out please say whether you would like to see more or less government spending on them than now.
42%
30%
15% 13%
75%
53%
15%
29%
Benefits for people whocare for the sick or disabled
Benefits for disabled peoplewho cannot work
Benefits for unemployedpeople
Benefits for single parents
% 'spend more' Ireland % 'spend more' UK
Source: Amárach Research, November 2011/12 , British Social Attitudes No. 29
24 RTE Frontline/Irish Daily Mail
Attitudes to Government Spending III
Q:Who do you think should mainly be responsible for ensuring that people have enough to live on if the become
unemployed? Q:Which of the two statements comes lose to your own view ?
62%
28%
9%
1%
59%
33%
5% 3%
Mainly thegovernment
Mainly a personthemselves and
their family
Mainly apersons
employer
Don't know
Ireland UK42%
26%
32%
62%
19%
8%
Benefits forunemployed people
are too high anddiscourage them from
finding jobs
Benefits forunemployed people
are too low andcause hardship
Neither
Ireland UK
Source: Amárach Research, November 2011/12 , British Social Attitudes No. 29
25 RTE Frontline/Irish Daily Mail
Attitudes to Government Spending IV
Source: Amárach Research, November 2011/12 , British Social Attitudes No. 29
Q:Please say whether you agree or disagree with the following statements ?
50%
67%
54%
37%
If benefits weren't so generouspeople would learn to stand on
their own two feet
Government should redistributeincome from the better off to those
less well off
Ireland Agree UK Agree
%
Irish
agree 1
%
Irish
agree 2
All
Recipients 50 67
Males 50 68
Females 51 65
18-24s 59 53
25-34s 49 61
35-44s 51 67
45-54s 46 69
55+ 49 78
26 RTE Frontline/Irish Daily Mail
Main Use of Child Benefit
Source: Amárach Research, November 2011/12
Q. What do you do with your child benefit payments?
Base: all who receive child benefit
53% 50%
42%
20%
53% 52%
33%
15%
spend ongroceries etc
spend on thechildren
use to paybills
put insavingsaccount
%
Save
Benefit
2011
%
Save
Benefit
2012
All
Recipients 20 15
Males 25 20
Females 16 11
18-24s 28 26
25-34s 22 22
35-44s 17 11
45-54s 18 15
55+ 30 5
2011 2012
27 RTE Frontline/Irish Daily Mail
The Budget & Child Benefit
Source: Amárach Research, November 2011/12
Q. If cuts were to be made to child benefit payments in the
upcoming budget how would you prefer it was done?
Base: all who receive child benefit
63%
20%
13%
4%
64%
16% 16%
1% 2%
Introducemeanstesting
decreaseaverageamount
tax just likeother income
other No Cuts
%
Means
Test 2011
%
Means
Test 2012
All
Recipients 63 64
Males 61 65
Females 64 63
18-24s 61 74
25-34s 70 59
35-44s 69 69
45-54s 50 57
55+ 43 74
2011 2012
About Amárach
Amárach Research is an independent market
research agency, providing a full range of
research services to our Irish and international
clients. Amárach specialises in turning
information into insight; and insight into foresight.
Amárach’s experienced team of 30 directors and
executives manage online, face-to-face and cati
surveys (through our call centre); as well as
qualitative research including focus groups, in-
depths and ethnographic studies. We also
delivers a world class field-only service to
universities and international agencies.
Over nearly 25 years, Amárach has pioneered
innovative research techniques and reported on
Irish social, lifestyle and tech trends since the
1980s. Amárach invests heavily in understanding
current Irish consumer and business trends, and
shares numerous, free reports and presentations
via our blog and slideshare sites, linked via our
main website: www.amarach.com
Trends Report
Call us on 01 410 5200 to explore your path
to recovery and success through research:
Mark Nolan Managing Director
or Michael McLoughlin Chief Executive
or Gerard O’Neill Chairman
e. info@amarach.com
w. www.amarach.com
b. www.amarach.com/blog
t. twitter.com/AmarachResearch
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