master only (1)
using only (2)
matched (3)
missing updated (4)
nonmissing conflict (5)
1 New England
2 Middle Atlantic
3 East North Central
4 West North Central
5 South Atlantic
6 East South Central
7 West South Central
8 Mountain
9 Pacific
Original bill
Changed to bill
1 Married, living together
2 Married, spouse lives elsewhere
3 Separated
4 Divorced
5 Widowed
6 Never married
1: Money order
2: Traveler's check
3: Certified check
1: No formal education
2: 1st-4th grade
3: 5th-6th grade
4: 7th-8th grade
5: 9th grade
6: 10th grade
7: 11th grade
8: 12th grade, no diploma
9: High school or equivalent
10: Some college, no degree
11: Associate degree
12: Bachelor's degree
13: Master's degree
14: Doctorate or Professional Degree
1: Up to 1st grade
10: Some college
11: Associate degree, vocational
12: Associate degree, academic
13: Bachelor's degree
14: Master's degree
15: Professional School Degree
16: Doctorate degree
1: Less than $5,000
2: $5,000-$7,499
3: $7,500-$9,999
4: $10,000-$12,499
5: $12,500-$14,999
6: $15,000-$19,999
7: $20,000-$24,999
8: $25,000-$29,999
9: $30,000-$34,999
10: $35,000-$39,999
11: $40,000-$49,999
12: $50,000-$59,999
13: $60,000-$74,999
14: $75,000-$99,999
15: $100,000-$124,999
16: $125,000-$199,999
17: $200,000-$499,999
18: $500,000 or more
1 Doctor, dentist, other health care professional
2 Hospital, residential care, other medical institution
3 Pharmacy
4 Insurance company
5 Grocery store
6 Gas station
7 Convenience store
8 Liquor store
9 Fast food restaurant, food service, food truck
10 Sit down restaurant
11 Bar
12 Auto rental and leasing stores
13 Auto maintenance and repair
14 Auto vehicle and parts dealers and websites
15 Clothing and accessories stores and websites
16 Department and discount stores and websites, wholesale clubsand websites
17 Furniture & home goods stores, appliance & electronics stores, hardware & garden stores and websites
18 Movie theaters
19 Mail, delivery, storage provider
20 Rental centers
21 Online shopping (Amazon.com, etc.)
22 Online and print news, online games
23 Other stores (book, florist, hobby, music, office supply, pet, sporting goods) and websites
24 Personal care, dry cleaning, pet grooming and sitting, photo processing salons and stores
25 Stores that repair electronics and personal and household goods
26 Tuition, child care, elder care, youth and family services, emergency and other relief services
27 Employment services, travel agents, security services, office and administrative services
28 Repair and maintenance services for electronics and personal household goods
29 Vending machine
30 Veterinarians
31 Entertainment, recreation, arts, museums
33 Legal accounting, architectural, and other professional services
34 Hotels, Motels, RV parks, and camps
1 Credit card
2 Mortgage
3 HEL
4 HELOC
5 Car loan
6 Student loan
7 Loan from another person
8 Other type of loan
9 Health insurance
10 Life insurance
11 Umbrella insurance
12 Vehicle insurance
13 Homeowners or renter's insurance
14 Other type of insurance
15 Parking
16 Tolls
17 Hotels and motels, RV parts, camps
18 Public transportation
19 Trash collection
20 Electricity/natural gas/water/sewer/heating oil/propane
21 Landline, cable, internet, mobile phone (possibly bundled)
22 Federal taxes
23 State taxes
24 Local taxes
25 Property taxes
26 Car/vehicle taxes
27 Rent
28 Building contractor services
29 Building services
30 Homeowner's association or condo fees
31 Personal gift or allowance
32 Alimony/child support
33 Charitable donation
34 Pay a fee
35 Transfer money to another account
36 Make an investment
37 Lend money
38 Memberships and subscriptions
39 Used goods
40 Tuition
41 Child care
42 Purchase goods and services
1 Loan repayment
2 Insurance payment
3 Travel or transportation
4 Utilities
5 Government taxes or fines
6 Housing (excluding utilities)
7 Miscellaneous goods or services
8 Other purpose
1 Financial services provider
2 Education provider
3 Medical care provider
4 Government
5 Non-profit/charity
6 A person
7 Retail store or online retailer
8 Business that primarily sells services
9 Other
1 Very interesting
2 Interesting
3 Neither interesting nor uninteresting
4 Uninteresting
5 Very uninteresting
1 First diary
2 Second diary
1 Pay in full when bill arrives
2 Pay over time in several payments
2 Debit card
3 Prepaid card
4 Linked bank account
5 Money stored at payment service (e.g. PayPal)
6 Other
1 Security
2 Accepted lots of places
3 Cost
4 Convenience
5 Budget control
6 Debit/credit rewards
7 Speed
1 I just ran out and I need to get more
I usually do not carry cash
3 I gave my cash to someone else
4 My cash was stolen or lost
5 Other
1 Cash
2 Check
3 Direct deposit
4 Other
4 Bank account number
1 EZPass or other electronic toll device
2 Apple Pay
3 Bitcoin or other virtual currency
4 Remittance
2 Checking account
3 Credit card
4 General purpose prepaid card
5 PayPal
6 Money order
7 Traveler's check
8 Mobile phone payments
9 None
10 Other
1 UAS
2 GFK
1 Pocket to storage
2 Storage to pocket
3 Cash stolen/lost
4 Unexpected receipt of cash
5 Cash to foreign currency
6 Foreign currency to cash
1 Dollar coins
2 Quarters
3 Dimes
4 Nickels
5 Pennies
1 Change machine/kiosk
2 Bank teller
3 Store clerk
4 Family or friend
5 Post office
1 Coin machine/kiosk
3 Store
0 No
5 Store credit
1 Retail location
2 Online
3 Mobile phone
4 ATM
5 Card machine
6 Bank teller
7 Check casher
8 Other location
1 Direct deposit to primary checking
2 Direct deposit to other account
3 Paper check
4 Cash
5 Payroll card
6 General purpose reloadable prepaid card
7 Other
1 Employment income
2 Self-employment income
3 Social security
4 Employer-paid retirement
5 IRA, Roth IRA, 401k or other retirement
6 Interest and dividends
7 Rental income
8 Government assistance
9 Alimony
10 Child support
0 Today
1 Tomorrow
2 Two days
3 Three days
4 Four days
5 Five days
6 Six days
7 One week
8 More than a week
1 Another checking or savings account I own
2 Another checking or savings account belonging to someone else
3 Investment account I own
4 Investment account belonging to someone else
5 General purpose reloadable prepaid card I own
6 General purpose reloadable prepaid owned by other person
1 ATM
3 Other
1 Checking account
2 Savings or other bank account
3 Salary/wages/tips
4 Cashing a check
5 Credit card cash advance
6 Prepaid card cash withdrawal
7 Another person
8 Other
2 Cash back at retail store
3 Bank teller
5 Check cashing store
6 Employer
7 Cash refund from returning goods
8 Payday lender
1 Same amount each bill
2 Amount changes from bill to bill
1 Previously received goods/services
2 Goods/services to be received in the future
1 Preferred method not accepted
2 Did not have preferred method at hand
3 I did not have enough money available
4 Payment would have been late
5 Security of the transaction
6 Received a discount
7 Would have paid a surcharge
8 Transaction size
9 Different preference for this merchant
3 Speed of payment
4 Security of the transaction
5 Received a discount
6 Would have paid a surcharge
7 Transaction size
8 Different preference for this merchant
1 Yes
2 I'm not sure, but I think so
3 I'm not sure, but I don't think so
1 Security of your personal information
2 Security against permanent financial loss
3 Security of transaction information
1 Speed at time of payment
2 Speed of payment deduction from your bank account or prepaid card
3 Speed of recipient receiving payment
4 Speed of notification of new balance of your account
1 Merchant acceptance
2 Cost
3 Payment records
4 Speed
5 Security
6 Convenience
7 Getting or setting up
8 Budgeting
9 Rewards
1 Person who provides goods/service (business)
2 Person who provides goods/services (non-business)
3 Friends or family
4 Coworker, classmate, or fellow military
Other people
1: Within last month
2: Between 1 and 3 months ago
3: Between 3 months and 1 year ago
4: More than 1 year ago
1 Currency
2 Primary checking
3 Other DDA account
4 Nonfiancial deposit account (e.g. paypal, prepaid card)
5 Investment account
6 Credit account
7 Other long-term assets
8 Other account (including uncashed checks and money orders)
1 Tapped to pay
2 Scanned QR code or showed screen to cashier
3 Paid in advance or remotely (e.g. Uber)
4 Used a web browser
5 Money stored in payment service (e.g. paypal)
1 App payment
2 Text message payment
3 Payment made in browser
1: Within the last month
4: Longer than 1 year ago
1 PIN
2 Signature
3 CVC/CVV code
4 None of these
5 Some of combination of these two
1 Visa
2 Mastercard
3 Discover
4 Company/store brand
5 American Express
6 Diner's club/other charge card
2 I don't know
1: Today
2: 1 to 6 days ago
3: 7 to 13 days ago
4: 14 to 29 days ago
5: 30 or more days ago
1 Bank
2 Post office
3 Western Union or someplace similar
1 Today
2 At a later date
1 Regularly recurring
2 One time
3 Recurring but irregular
1 Computer
2 Tablet
4 Landline phone
5 Mail
6 No device
1 I didn't need to make payments today
2 I was too busy to make payments today
3 I'm trying to spend less
0 Placeholder
1 Expenditure
2 Transfer
3 Income
4 Debit card
5 Prepaid/gift/EBT card
6 Bank account number payment
7 Online banking bill payment
8 Money order
9 Traveler's check
10 PayPal
11 Account-to-account transfer
12 Mobile phone payment
13 Other payment method
14 Deduction from income