Charts and Media
This page hosts visualizations of USFD data that highlight key findings in the research. These files are available for download to incorporate into presentations or other materials, with attribution. The initial group of 83 charts contain an overview of the demographics of the USFD households as well as analysis on their spending, saving, and borrowing habits with a specialized look at immigrant households. Additional charts provide insights into the effects of informal credit networks, tax refunds, and financial literacy, as well as the intersection of health and finance.
Because many working families aren’t saving for the long term, it is widely assumed that they are not saving at all. That’s not necessarily true. Research from the US Financial Diaries project shows that many working families do save. But they save for the short term — not the long term.
Brandi and Frank can’t predict their monthly income, so budgeting and saving for the long-term isn’t easy. But that doesn’t mean they aren’t saving.
When the problem is not having the right money at the right time, many families turn to payday lenders, pawn shops, and other alternative financial services.