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TECHNICAL REPORT Study description: AUSTRALIA Fieldwork dates: Fall, 1995 Principal investigators: Chief Investigators for this project were Professor Alan Black (Center for Social Research, Edith

This study was restricted to those aged 18 years or older and in employment, education or the military. 2. The interviews were designed as detailed research questions in order to develop the most accurate measure of the Australian population's knowledge of the various areas of personal finance. 3. For each economic and social sector, responses were counted, weighted and analyzed individually. 4. In order to produce the data and data processing in this report, there were no changes in methodology between the previous and current version. 5. There were no sample weights to any question. 6. Response rates: Total sample: 82% Business and financial services: 100% Personal and household services: 87.5% Public administration: 100% Transport, real estate and utilities: 100% Health: 100% 6. For each respondent, the following data were derived: Mean age (years, range 20-74) Sex (male/female) Education Highest level of education completed (high/lower secondary/school certificate/university) Unemployment level Employment status (civilian/employed/not in the labor force/retired/disabled) Living conditions (very bad, good/moderate, good/poor) Living standards of the household (good, poor/very poor) Household income The following was calculated as the median household income in each category: Mean household income (medians, range 1000-15,000) Mean homeownership rate (highest, lowest) Mean debt (homes, highest, lowest) Means in which households had borrowed from other sources: Total credit and savings (total personal, home mortgage, credit card) Total debt (home and car, mortgage and credit card) Housing conditions The following areas of personal finance were measured: Consumerism 1.

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