Behavioural Characteristics and Financial Distress



Table 8: Generalized Order Logit Results (Dependent Variable: ‘Degree of Struggle to
Keep Up’)

Degree of
Struggle

(1)
Falling
Behind

(2)
Constant
Struggle

(3)
Struggle
Time-to-Time

Estimate

Std.

Error

Estimate

Std.

Error

Estimate

Std.

Error

Constant

4.18***

-0.42

1.95***

-0.36

0.16

-0.35

Male

0.01

-0.06

0.01

-0.06

0.01

-0.06

Age

-0.09***

-0.01

-0.09***

-0.01

-0.09***

-0.01

Age sq.

0.00***

0.00

0.00***

0.00

0.00***

0.00

Married

0.70***

-0.18

0.61***

-0.11

0.24***

-0.08

W/D/S

-0.30***

-0.09

-0.30***

-0.09

-0.30***

-0.09

1 Child

-0.34***

-0.08

-0.34***

-0.08

-0.34***

-0.08

2 Children

-0.13

-0.22

-0.10

-0.13

-0.49***

-0.09

3+ Children

-0.63***

-0.12

-0.63***

-0.12

-0.63***

-0.12

UK

-0.49**

-0.21

0.05

-0.11

0.13*

-0.07

Employed

0.80***

-0.11

0.80***

-0.11

0.80***

-0.11

Retired

0.62***

-0.15

0.62***

-0.15

0.62***

-0.15

Inactive

0.24**

-0.11

0.24**

-0.11

0.24**

-0.11

College

0.35

-0.24

0.64***

-0.14

0.34***

-0.08

Log Income

0.19***

-0.04

0.19***

-0.04

0.19***

-0.04

Debt

-0.50***

-0.06

-0.50***

-0.06

-0.50***

-0.06

Impulsive

-0.87***

-0.15

-0.50***

-0.09

-0.57***

-0.07

Organised

0.34***

-0.06

0.34***

-0.06

0.34***

-0.06

Live Today

-0.90***

-0.17

-0.60***

-0.09

-0.41***

-0.06

N

6,484

6,484

6,484

LR chi2

1337

1337

1337

D.F.

30

30

30

Note: Omitted categories for dummy variables are: ‘Single’,‘No Children’ and
‘Unemployed’.

*** Significant at 1% level; ** Significant at 5% level; * Significant at 10% level.

23



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