https://www.usfinancialdiaries.org/papers-image daily 0.75 2017-11-16 https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1510876355722-AQ4W888JFM2E8II6T7JS/paper1thumb.jpg Papers IMAGES - Income Gains and Month-to-Month Income Volatility By Anthony Hannagan and Jonathan Morduch The US Financial Diaries track the finances of a small sample of low and moderate-income households over a year. The households faced substantial swings in income from month to month. On average, they experienced 2.5 months when income fell more than 25 percent below average, and 2.6 months when income was more than 25 percent above average. The volatility is summarized by an average coefficient of variation of monthly income (within year, averaged across households) of 39 percent. The CV is greatest (55 percent) for households below the poverty line, but the CV remained relatively high (34 percent) and steady for households with income from 100 percent of the poverty line up to 300 percent. Thus, in the non-poor sample, greater income did not imply notably greater income stability. https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1510876355722-AQ4W888JFM2E8II6T7JS/paper1thumb.jpg Papers IMAGES - Income Gains and Month-to-Month Income Volatility By Anthony Hannagan and Jonathan Morduch The US Financial Diaries track the finances of a small sample of low and moderate-income households over a year. The households faced substantial swings in income from month to month. On average, they experienced 2.5 months when income fell more than 25 percent below average, and 2.6 months when income was more than 25 percent above average. The volatility is summarized by an average coefficient of variation of monthly income (within year, averaged across households) of 39 percent. The CV is greatest (55 percent) for households below the poverty line, but the CV remained relatively high (34 percent) and steady for households with income from 100 percent of the poverty line up to 300 percent. Thus, in the non-poor sample, greater income did not imply notably greater income stability. https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1429545721410-I1ZXGY2ZGNU52SE8UU98/paper1thumb.jpg Papers IMAGES - Income Gains and Month-to-Month Income Volatility By Anthony Hannagan and Jonathan Morduch The US Financial Diaries track the finances of a small sample of low and moderate-income households over a year. The households faced substantial swings in income from month to month. On average, they experienced 2.5 months when income fell more than 25 percent below average, and 2.6 months when income was more than 25 percent above average. The volatility is summarized by an average coefficient of variation of monthly income (within year, averaged across households) of 39 percent. The CV is greatest (55 percent) for households below the poverty line, but the CV remained relatively high (34 percent) and steady for households with income from 100 percent of the poverty line up to 300 percent. Thus, in the non-poor sample, greater income did not imply notably greater income stability. https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1510857286008-7QJEWM3QZOQ5TRE0YVGD/episodic+poverty.png Papers IMAGES - In and Out of Poverty By Jonathan Morduch and Julie Siwicki We use data from the U.S. Financial Diaries study to relate episodic poverty to intra-year income volatility and to the availability of government transfers.The data allow the documentation of episodic poverty, and the attribution of a large share of it to fluctuations in earnings within jobs. For households with annual income greater than 150 percent of the poverty line, smoothing within-job income variability reduces the incidence of episodic poverty by roughly half. We decompose how month-to-month income volatility responds to receipt of eight types of public or private transfers. The transfers assist households mainly by raising the mean of income rather than by dampening intra-year income variability. https://www.usfinancialdiaries.org/charts-images daily 0.75 2016-03-17 https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1455829591162-6L1HJJ7PWMNQ82Q0ZC5N/FinLives.JPG Charts IMAGES - Infographic: Financial Lives Have Changed Financial advice, policies, and products should too. https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1455829591162-6L1HJJ7PWMNQ82Q0ZC5N/FinLives.JPG Charts IMAGES - Infographic: Financial Lives Have Changed Financial advice, policies, and products should too. https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1442422203512-41LMIX5RDNRL93ZX3QAP/ss2.jpg Charts IMAGES - Video: Saving for Sooner 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. https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1440180378265-BALG3DR709M8OFFAR76Y/savingsmall.jpg Charts IMAGES - Infographic: How and Why Short-Term Savings Matter 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. https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1440181357781-3SV39AWZJTJSCOZ89ZXG/video1.jpg Charts IMAGES - Video: Small Dollar Credit 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. https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1418424904440-WMA4CDQNPB0SKU4H91RZ/pdf.jpg Charts IMAGES - 83 Charts to Describe the Hidden Financial Lives of Working Americans Access all charts here. https://www.usfinancialdiaries.org/uncertainty daily 0.75 2018-01-10 https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1515603462002-JKSKSDTBUYY1WXOQ9URO/USFD_Methodology.png Issue Briefs - USFD Methodology: The Financial Lives of Low- and Moderate-Income Americans The US Financial Diaries collected cash flow data and household details to help understand how low- and moderate income American families manage their finances and their lives week-to-week and month-to-month over the course of a year. The study offers insight, via a combination of data and stories, into the ways in which households’ financial positions shift over time, and how peoples’ financial choices influence—and are influenced by—other aspects of their lives. This issue brief explains the USFD methodology, our sample, and our analytic approach. https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1515603462002-JKSKSDTBUYY1WXOQ9URO/USFD_Methodology.png Issue Briefs - USFD Methodology: The Financial Lives of Low- and Moderate-Income Americans The US Financial Diaries collected cash flow data and household details to help understand how low- and moderate income American families manage their finances and their lives week-to-week and month-to-month over the course of a year. The study offers insight, via a combination of data and stories, into the ways in which households’ financial positions shift over time, and how peoples’ financial choices influence—and are influenced by—other aspects of their lives. This issue brief explains the USFD methodology, our sample, and our analytic approach. https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1433780479568-XD8ZBRKACL4JAYRF5BH6/image-asset.jpeg Issue Briefs - Emergency Savings Everyone agrees that Americans don’t have enough emergency savings (or retirement savings for that matter). But the idea behind emergency savings, and the way savings are measured, hides what low- and moderate-American households need savings for, and how much they are really saving. Households are saving for near-term small “emergencies.” And those emergencies—months where income is well below normal, or expenses spike above normal—happen so often that it prevents households from building up larger amounts for larger emergencies. https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1433780706595-TFSEICTKLRN8RDUYRCC0/image-asset.jpeg Issue Briefs - Savings Horizons Discussion about how and how much low- and moderate-income households save is hampered by the fact that key terms are fuzzy. How long does money have to be set aside before it is considered saving? Are savings account balances an accurate representation of savings behavior? For the households we studied short-term savings dominates long-term savings. Many households seem to be setting aside substantial amounts of their income, but spending down these savings within the year. Short-term saving has not received adequate attention in programs and policies for lower-income households. https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1412031036697-742WDMF46O6THDBN9XLI/informal.png Issue Briefs - An Invisible Finance Sector: How Households Use Financial Tools of Their Own Making Households often use informal tools that are harder to see from outside, like short-term loans from friends or relatives. It’s tempting to think that these informal tools are last resorts, or second-best solutions, but informal financial mechanisms are often combined with formal tools, and sometimes are preferred. This issue brief explains what informal finance is and how informal savings and borrowing tools are used; some reasons why people use such informal tools; the benefits, costs and limits of informal finance; and the implications of these findings for financial services providers and policymakers. https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1406781204984-1K9Y3UIAEDGIZW6RCBL5/test1.png Issue Briefs - Spikes and Dips: How Income Uncertainty Affects Households When asked whether “financial stability” or “moving up the income ladder” is more important, 77% of USFD participants chose “financial stability.” This response illustrates the high level of financial uncertainty and unpredictability that these households face. This research note focuses on how people earn and receive income and explores the concept of income uncertainty through the stories of two households, both of which use a variety of financial instruments and other strategies to cope with income ebbs and flows. https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1408399513070-2M34A2J3IWHCFKLW1649/image-asset.jpeg Issue Briefs - USFD Methodology: The Financial Lives of Low-Income Americans USFD employs a methodology that combines quantitative and qualitative research. By observing household finances over long periods of time and at frequent intervals, the data represents detailed financial information from participating families. This brief provides an in-depth look into this methodology and an introduction to project-specific topics such as household assets and debts, cash flows, employment, financial goals, and general attitudes about money. https://www.usfinancialdiaries.org/charts-1 daily 0.75 2014-09-10 https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1407027134611-ZWV6AGL45MFVO30T0P1E/chart1.png Charts and Data - Chart 1 Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed fermentum ullamcorper erat vel consectetur. Aenean sed metus tristique, imperdiet augue. https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1407027134611-ZWV6AGL45MFVO30T0P1E/chart1.png Charts and Data - Chart 1 Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed fermentum ullamcorper erat vel consectetur. Aenean sed metus tristique, imperdiet augue. https://www.usfinancialdiaries.org/household-profiles-images daily 0.75 2017-08-16 https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1502893642313-B6UVHZ844SJ6NKUDC8CU/ohio_stairs.jpeg Household IMAGES - Amy Cox: Living Paycheck to Paycheck Amy Cox is a white 34-year-old single mother of two. She lives with her children, Hailey, 9, and Andy, 8, near Cincinnati, OH. A natural caregiver, Amy works at a day care center. She gets along well with her co-workers and boss, and the children in her care love her—they even ask her to take them home with her in the evenings and on weekends, which she does occasionally, without pay. Amy has a GED and a computer skills certificate from a vocational school, and during the study year she began pursuing an associate’s degree at a local community college.   https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1502893642313-B6UVHZ844SJ6NKUDC8CU/ohio_stairs.jpeg Household IMAGES - Amy Cox: Living Paycheck to Paycheck Amy Cox is a white 34-year-old single mother of two. She lives with her children, Hailey, 9, and Andy, 8, near Cincinnati, OH. A natural caregiver, Amy works at a day care center. She gets along well with her co-workers and boss, and the children in her care love her—they even ask her to take them home with her in the evenings and on weekends, which she does occasionally, without pay. Amy has a GED and a computer skills certificate from a vocational school, and during the study year she began pursuing an associate’s degree at a local community college.   https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1415050510428-GJ4K0HWGCD8SI7X824AF/Queens+0912_017.jpg Household IMAGES - Mateo and Lucia: Thriving but Still Vulnerable in the U.S. Mateo Valencia, 31, and Lucia Benitez, 30, are an unmarried couple currently living in Queens, New York after moving to the U.S. from Ecuador in 2005. They live with their four-year-old son Pablo in a three-bedroom, one-bathroom townhouse, and they rent out rooms to friends and relatives who are between homes or jobs. Mateo and Lucia are in many ways emblematic of the American immigrant experience. They came to the U.S. with hopes of building a better life and while they are not truly secure yet, they are finding opportunities. They each work multiple jobs and actively seek additional income earning opportunities. But Mateo and Lucia live much of their financial life outside the formal financial system. They deal primarily in cash, so there is little information to support a credit score and they do not have long-term savings or health insurance. Their undocumented status also undermines their ability to invest in the long-term. https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1414696795719-6U30MHSFMLPGI6H1HSWH/NYUWagner+_California_009.jpg Household IMAGES - Elena Navarro: Getting Through a Tough Year Elena Navarro is a single, 27-year-old woman living outside of San Jose, CA. She has a bachelor’s degree and ambitions to attend law school. While Elena’s degree and experience qualify her for jobs that pay well above the poverty line, she lives close to the margin. Elena survived a challenging year thanks to the generosity of her sister and her ability to repeatedly find new employment. Without her resourcefulness and considerable help from her family, it is easy to see how these challenges might have derailed her significantly, perhaps permanently. https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1412279658006-8IE7RO7HXK12A70EONSQ/Masud+0113_004+%28800x533%29.jpg Household IMAGES - Sandra Young: Budgeting for a Year with Lumpy Income Sandra Young lives in Brooklyn with her grown children Tyler and Kayla. She manages several branches of a tax preparation agency, which means that she earns most of her income during the six months between November and April. Sandra has chosen an unusual structure for her financial life, and the seasonal nature of her income means that she has to budget over a longer time period than many households. Despite the irregularity of her income over the course of a year, Sandra’s financial life is stable, and she retains a remarkable level of confidence and control over her finances. This level of control is thanks largely to her straightforward and highly disciplined system of budgeting and financial management. https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1412277063704-S4BDPMNOYU25PRN9ADAX/IMG_9813.jpg Household IMAGES - Lauren Walker: Getting By with Limited Resources Lauren Walker is a single mother living with her four-year-old son in a rented townhome in a small town in eastern Mississippi. Lauren works full time as an administrative assistant for a local construction and engineering firm, and she covers her frugal needs with her annual income. Lauren employs several financial management tactics: keeping expenses low, timing the payment of recurring bills to align with her income, paying for larger expenses gradually, and getting financial assistance from her mother for childcare and other occasional expenses. The Earned Income Tax Credit, which she relies on to pay off her debt to her mother, complements her financial discipline to help her stay on top of her bills and manage ups and downs. https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1408397673804-SOM2VY3YOTH71DRP85X8/ohio2.jpg Household IMAGES - Rita Douglas: Getting By With Help from Friends Rita Douglas, 62, lives in a two-bedroom apartment in a dangerous neighborhood near Cincinnati. Though she barely has enough money and resources to support herself, Rita regularly helps her relatives and friends. This help takes many forms: sharing her home, cooking dinners, washing clothes, offering the use of her credit card, buying alcohol and cigarettes, protecting cash and providing basic supplies like toilet paper. Late in the month, when Rita runs out of money, she receives the same type of help right back, often from the same people. By taking advantage of a combination of free and discounted community resources, and by engaging in a constant give-and-take with a large network of friends and relatives, Rita gets by. https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1408396442046-CGHRVWSQB1PQUVB4MZJO/kentucky.jpg Household IMAGES - Mike Smith: Keeping Control by Relying on Cash Mike Smith, a single man in his mid-50s, lives in a small town near the Ohio River and works as a maintenance man at a local office building. Even though his resources are limited, he manages to save by strictly controlling how much he spends, even on groceries and medical care. He has no debts and few assets, including his house, which has no mortgage but was appraised as being worth $50,000 about 20 years ago. He has some cash holdings that he keeps at home and on his person, and a small savings account at a bank. He is frustrated by the fact that he can’t seem to earn more income even though he works hard. https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1410801994426-S966X43Q461KTM05T46K/queensblvd.jpg Household IMAGES - The Hossains: Adjusting to a New Life in the US Ahmed and Shaila Hossain are immigrants from Bangladesh who moved in 2010 to Queens, New York. In Bangladesh, Ahmed’s education enabled him to work as an accountant at a large corporation and support his family but he now drives a taxi because he lacks the language skills and American educational credentials to find accounting work. The Hossains own a checking account and credit cards, and are taking careful steps to both pay down debt and build their credit scores. They still face many obstacles, including income insecurity that makes it difficult to save money. Both parents work long hours at multiple jobs, but lack benefits such as sick leave, so any days off result in lost wages and financial setbacks. https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1408390283707-WLWTSK22XV6W5ZQ6R2CN/street1.jpg Household IMAGES - The Adrians: Relying on Erratic Income Sources Looking at the most basic measure of financial stability, the difference between income and expenses, Tim and Clara Adrian appear to be on fairly solid ground. Tim has a full-time job at a hotel, and Clara works part-time for a local preschool. However, the linchpin in their budget is the income they earn from caring for foster children–income that is irregular and erratic. As a result, they strategically and regularly miss payments for their bills, and it is not uncommon for them to pay a few months’ worth of payments at once, along with associated late fees. The Adrians’ financial life–like the rest of their life–is full, busy and complicated. https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1408393893820-GUQ9XNCSSSWS6D9O1B4J/ohio1.jpg Household IMAGES - The Johnsons: Working Hard but Still Struggling Sarah and Sam Johnson are a hardworking couple with three daughters struggling to make ends meet despite having stable, full-time jobs and several part-time ones. They own a home and two cars in a working-class neighborhood in a small town near Cincinnati, and they have retirement savings through their jobs. However, their income is volatile and irregular and their expenses fluctuate. They don’t have a cushion for unplanned outlays, such as home repairs and medical expenses. They manage their finances mainly through credit, although this is not an approach that will enable them to maintain or improve their financial health over time. https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1408390280060-1KQCHV7ZM2P5P937B76C/groceries2.jpg Household IMAGES - The Rodriguez Family: Extended Family Strives to Get Ahead The Rodriguez family is a multigenerational household living in a small town near San Jose, California. Maria and Dean Rodriguez live with her mother and their two grown-up sons in a home they own. The household members have multiple sources of income that exceed their day-to-day expenses and are also enough to pay off debts accumulated from credit card spending and a large home equity line of credit. While this family may ultimately achieve a high degree of financial stability, one wrong decision or one unlucky event could derail this family from its upward trajectory. https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1414696795719-6U30MHSFMLPGI6H1HSWH/NYUWagner+_California_009.jpg Household IMAGES - Copy of Elena Navarro: Getting Through a Tough Year Elena Navarro is a single, 27-year-old woman living outside of San Jose, CA. She has a bachelor’s degree and ambitions to attend law school. While Elena’s degree and experience qualify her for jobs that pay well above the poverty line, she lives close to the margin. Elena survived a challenging year thanks to the generosity of her sister and her ability to repeatedly find new employment. Without her resourcefulness and considerable help from her family, it is easy to see how these challenges might have derailed her significantly, perhaps permanently. https://www.usfinancialdiaries.org/photography daily 0.75 2014-09-15 https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1408728016991-7VM5F1FVZXHHG73RIJ1X/boat.jpg Image Gallery Study Site: Mississippi - Photo credit: Whitten Sabbatini https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1408728016991-7VM5F1FVZXHHG73RIJ1X/boat.jpg Image Gallery Study Site: Mississippi - Photo credit: Whitten Sabbatini https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1410456501644-7D3RS7GKXVY8NRN1XF9S/portrait_kid.jpg Image Gallery Study Site: Mississippi - Photo credit: Whitten Sabbatini https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1408728018693-2VNLTJ06YXL8VYE05ZJS/car.jpg Image Gallery Study Site: Mississippi - Photo credit: Whitten Sabbatini https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1410456496821-N6M1OHU6L66WS64SRC2D/portrait_2men.jpg Image Gallery Study Site: Mississippi - Photo credit: Whitten Sabbatini https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1408728018012-2LKXDBXKEORRG8FCEIOE/groceries1.jpg Image Gallery Study Site: California - Photo credit: Juan Carlos https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1410456491630-LZ4JGK43FDRCEPRFMW28/3men.jpg Image Gallery Study Site: California - Photo credit: Juan Carlos https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1408728019412-59P9FFQ36F864FBWYQEG/groceries2.jpg Image Gallery Study Site: California - Photo credit: Juan Carlos https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1410456494881-DHFLJWIE6N5E78O29N48/kitchen_elder.jpg Image Gallery Study Site: Mississippi - Photo credit: Whitten Sabbatini https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1408728023199-1KA8IA6F2BILAYQDRZ3G/livingroom.jpg Image Gallery Study Site: Mississippi - Photo credit: Whitten Sabbatini https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1408728036552-2L6KTFYKIIRP6KCZDIKP/street1.jpg Image Gallery Study Site: Mississippi - Photo credit: Whitten Sabbatini https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1410456499581-SGB3PQU5JITY3XBDCT2E/portrait_man.jpg Image Gallery Study Site: Mississippi - Photo credit: Whitten Sabbatini https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1408728025583-AFADDA7BFRT4P2I93NAF/papers.jpg Image Gallery Study Site: Queens, NY - Photo credit: Robin Holland https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1410456501312-20E653WPKWJP23GQ0C85/portrait_tips.jpg Image Gallery Study Site: Mississippi - Photo credit: Whitten Sabbatini https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1409823908881-HS94NOLG1LP3RWAKK8Z5/ohio_stairs.JPG Image Gallery Study Site: Ohio - Photo credit: Demetrius Freeman https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1410456491055-AAW24RX9MQFWTHE5CY61/kitchen.jpg Image Gallery Study Site: Queens, NY - Photo credit: Robin Holland https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1410456493059-OXXHEG54BVML6A8RIXCF/payphones.jpg Image Gallery Study Site: Queens, NY - Photo credit: Robin Holland https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1410559705297-HJ2EFQXKNAZO1YNP70JX/kentucky.jpg Image Gallery Study Site: Mississippi - Photo credit: Whitten Sabbatini https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1410559705933-7IC4Q7UMEGTCLKOOIRBZ/market.jpg Image Gallery Study Site: Queens, NY - Photo credit: Robin Holland https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1410559706458-OAZ7MF35JO4UB5UADWAZ/queensblvd2.jpg Image Gallery Study Site: Queens, NY - Photo credit: Robin Holland https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1410559706166-M72OK9OAONIMPL31JGOM/ohio2.jpg Image Gallery Study Site: Ohio - Photo credit: Demetrius Freeman https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1410801910016-RSP62GTGQKUWJQOK975R/ramen.jpg Image Gallery Study Site: Mississippi - Photo credit: Whitten Sabbatini https://www.usfinancialdiaries.org/blog daily 0.75 2017-11-16 https://www.usfinancialdiaries.org/blog/2017/11/16/usfd-and-financial-inclusion monthly 0.5 2017-11-16 https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1510859184403-RNPQUX4FGMM1FC1YKYPA/savings.png What's New - USFD and "Financial Inclusion" https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1510859372802-GDERGU77ZQU48MAH3MS3/bank+account+holders.png What's New - USFD and "Financial Inclusion" https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1510859609189-25BT5KRV62BQGXH30BXE/blog+chart.png What's New - USFD and "Financial Inclusion" https://www.usfinancialdiaries.org/blog/2017/6/1/usfd-book-available-now monthly 0.5 2017-06-01 https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1496330390822-BDQYCFK1O3MAQOGYP9MG/Morduch_Financial-WEBonly_evensmaller.jpg What's New - USFD Book: Available Now! https://www.usfinancialdiaries.org/blog/2016/4/25/ssirlive-hosts-hidden-lives-of-americas-poor-and-middle-class-webinars monthly 0.5 2016-04-28 https://www.usfinancialdiaries.org/blog/2015/10/27/egxl5ij2957uj85v3j1pyp28ams0b7 monthly 0.5 2015-10-27 https://www.usfinancialdiaries.org/blog/2015/9/14/next-city-usfd-data-highlights-the-difficult-in-savings monthly 0.5 2015-11-09 https://www.usfinancialdiaries.org/blog/2015/10/6/huffington-post-can-employers-help-workers-better-manage-their-money monthly 0.5 2015-10-06 https://www.usfinancialdiaries.org/blog/2015/9/1/zl6faxj783f7gkdpvuw8nknmwg58ko monthly 0.5 2016-03-17 https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1441121839306-R2OAK74RQU0J0PB0IVUQ/83charts+67.jpg What's New - 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The Financial Effects of Household Composition https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1428338693755-MLP10QHT8KO7LIH9MZLP/chart+1.9.png What's New - The Financial Effects of Household Composition https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1428338380254-J2L63EBNC5QECF7ARCZW/chart+1.10.png What's New - The Financial Effects of Household Composition https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1428338382827-ZTXLDGV5Q8A2F89NMBSG/chart+9.1.png What's New - The Financial Effects of Household Composition https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1428339306269-SO7BOD4BZCD291W21RNX/image-asset.png What's New - The Financial Effects of Household Composition https://www.usfinancialdiaries.org/blog/2015/3/5/creating-an-income-spike-part-ii-savings-groups monthly 0.5 2015-04-06 https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1425581463494-6GVLZ1ZR97EBTANC35GC/chart+7.8.png What's New - 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USFD Sheds Light on Informal Lending https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1422570643858-4NFUTUUULBCCDSY1BI36/image-asset.jpeg What's New - USFD Sheds Light on Informal Lending https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1422570684217-PXCPHOUYVBVSHSZ8GDAZ/image-asset.jpeg What's New - USFD Sheds Light on Informal Lending https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1422570742901-70GT60RBTF2O59UCFHZZ/image-asset.jpeg What's New - USFD Sheds Light on Informal Lending https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1422570780944-L3YBROB33ZV0J4B29ZG9/7.3.jpg What's New - USFD Sheds Light on Informal Lending https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1422570780965-CBDUJ2I6EBIQ4YSZ1DBS/7.4.jpg What's New - USFD Sheds Light on Informal Lending https://www.usfinancialdiaries.org/blog/2015/1/28/ibt-wireless-carriers-offer-bad-credit-phone-plans-to-riskier-customers monthly 0.5 2015-01-28 https://www.usfinancialdiaries.org/blog/2015/1/22/income-volatility-in-usfd-sample monthly 0.5 2015-03-02 https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1421946726868-KUZY47YGSKV4C0U2WZSL/image-asset.jpeg What's New - Income Volatility in the USFD Sample https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1421947022447-9HZIOT250TI2C21UJI3G/chart+2.5.jpg What's New - Income Volatility in the USFD Sample https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1421947022529-VFHDCMF05HRMAJXTO5AQ/chart+2.6.jpg What's New - Income Volatility in the USFD Sample https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1421947384360-01XKNUZO9RYLVINA0LUY/chart+2.7.jpg What's New - Income Volatility in the USFD Sample https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1421947384418-VN93QHRFNYCYFIWLCVSB/chart+2.8.jpg What's New - Income Volatility in the USFD Sample https://www.usfinancialdiaries.org/blog/2014/12/22/techonomy-the-next-phase-in-financial-services monthly 0.5 2014-12-22 https://www.usfinancialdiaries.org/blog/2014/12/22/usfds-rachel-schneider-on-bloomberg-tv monthly 0.5 2014-12-22 https://www.usfinancialdiaries.org/blog/2014/12/17/usfd-in-the-huffington-post monthly 0.5 2014-12-17 https://www.usfinancialdiaries.org/blog/2014/12/3/nyt-unsteady-incomes-keep-millions-of-workers-behind-on-bills monthly 0.5 2014-12-03 https://www.usfinancialdiaries.org/blog/2014/12/3/live-today-usfd-announces-early-findings monthly 0.5 2017-06-01 https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1496332420586-QF5BFDVKJZL9Z27KT2DQ/image-asset.jpeg What's New - Live Today: USFD Announces Early Findings https://www.usfinancialdiaries.org/blog/2014/11/6/thriving-but-still-vulnerable-in-the-us monthly 0.5 2014-11-21 https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1415294417108-PV4OFBN2BJJR8UTBZNZ0/image-asset.jpeg What's New - Thriving but Still Vulnerable in the U.S. Photo credit: Robin Holland https://www.usfinancialdiaries.org/blog/2014/10/30/getting-through-a-tough-year monthly 0.5 2014-11-06 https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1414698578575-1RK8QJEW8F1HIHAM4ON2/image-asset.jpeg What's New - Getting Through a Tough Year Photo credit: Juan Carlos https://www.usfinancialdiaries.org/blog/2014/10/15/in-lending-circles-a-roundabout-way-to-a-higher-credit-score monthly 0.5 2014-12-03 https://www.usfinancialdiaries.org/blog/2014/10/15/a-thriving-underground-money-culture monthly 0.5 2014-10-15 https://www.usfinancialdiaries.org/blog/2014/10/6/new-usfd-household-profile-highlights-yearly-budgeting-with-seasonal-income monthly 0.5 2014-10-10 https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1412798556833-60XL5HJD9NJFZQGCY43H/Masud+0113_004+%28800x533%29.jpg What's New - 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Being Poor Above the Poverty Line Olivia and Jose Aguilar in front of their niece's home in Modesto. Photo by E. Tammy Kim and Lam Thuy Vo   https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1408046705101-DE540MDOJWF5TVPMTK8J/image-asset.jpeg What's New - Being Poor Above the Poverty Line Source: Insight Center for Community Economic Development https://www.usfinancialdiaries.org/blog/2014/8/14/unhappy-tax-day-for-some monthly 0.5 2014-10-10 https://www.usfinancialdiaries.org/blog/2014/8/14/not-for-free monthly 0.5 2014-10-08 https://www.usfinancialdiaries.org/blog/2014/8/14/should-your-post-office-be-a-bank monthly 0.5 2014-10-15 https://images.squarespace-cdn.com/content/v1/53d008ede4b0833aa2ab2eb9/1408047249658-MZACM97PNX87CR4JG9TB/image-asset.jpeg What's New - Should Your Post Office Be A Bank? 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