Version: 1.0.2 | Published: 21 Oct 2025 | Updated: 10 days ago
Living Beyond Means
Dataset
Summary
Citation:
CITATION INCOMPLETE
Documentation
Description:
The Living Beyond Means dataset is a longitudinal view of current account holders who are living outside of their means. It is derived from banking transaction data from a major UK high street bank.
This variable is an aggregate measure of the preceding 13 weeks. It is created by summing the credits and the debits per account, then counting the number of accounts where debit exceeds 120% of credit.
Is Part Of:
Economic Wellbeing
Coverage
Spatial
Spatial Coverage:
Scotland
Geographical Levels:
ITL2
Temporal
Start Date:
04 February 2024
End Date:
30 March 2025
Frequency:
Irregular
Provenance
Source:
Other
Purpose:
Administrative
Collection Situation:
UK banking data
Access and Governance
Usage
Condition of Access:
Approval-based access
Condition of Use:
Institutional approval
Resource Creator:
Smart Data Foundry
Access
Access Service:
This dataset is available to download from the Smart Data Foundry data catalogue.
Jurisdictions:
GB-SCT
Data Controller:
Smart Data Foundry
Access Request Cost:
Not Applicable
Data Processor:
Not Applicable
Format and Standards
Languages:
en
Enrichment and Linkage
Related Datasets:
- Low Emergency Resilience
- Overdrawn Accounts
Linkage Opportunity:
Linkable via cid variable