master only (1)
using only (2)
matched (3)
missing updated (4)
nonmissing conflict (5)
emergency expense
unexpected need
0 Multiple payment methods
1 Cash
2 Check
3 Credit card
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
0 No
1 Yes
0 Placeholder
1 Expenditure
2 Transfer
3 Income
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
4 Other
1 Computer
2 Tablet
3 Mobile phone
4 Landline phone
5 Mail
6 Some other device not listed
7 No device
1 Regularly recurring
2 One time
3 Recurring but irregular
1 Today
2 In the future
1 Bank
2 Post office
3 Western Union or someplace similar
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
2 I don't know
1 PIN
2 Signature
3 CVC/CVV code
4 None of these
5 Some of combination of these two
6 Other
1: Within the last month
2: Between 1 and 3 months ago
3: Between 3 months and 1 year ago
4: Longer than 1 year ago
1 App payment
2 Text message payment
3 Payment made in browser
1 Credit card
2 Debit card
3 Prepaid card
4 Linked bank account
5 Money stored in payment service (e.g. paypal)
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
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: Within last month
4: More than 1 year ago
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
5 Other people
2 I'm not sure, but I think so
3 I'm not sure, but I don't think so
1 Preferred method not accepted
2 Did not have preferred method at hand
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
9 Other
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
10 Other
1 Previously received goods/services
2 Goods/services to be received in the future
1 Same amount each bill
2 Amount changes from bill to bill
1 ATM
2 Cash back at retail store
3 Bank teller
4 Family or friend
5 Check cashing store
6 Employer
7 Cash refund from returning goods
8 Payday lender
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 Bank teller
3 Other
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
7 Other
8 More than one week
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
1 Direct deposit to primary checking
2 Direct deposit to other account
3 Direct deposit to multiple accounts
4 Paper check
5 Cash
6 Payroll card
7 General purpose reloadable prepaid card
1 Retail location
2 Online
4 ATM
5 Card machine
6 Bank teller
7 Check casher
8 Other location
5 Store credit
1 Coin machine/kiosk
3 Store
5 Other
1 Change machine/kiosk
3 Store clerk
5 Post office
1 Dollar coins
2 Quarters
3 Dimes
4 Nickels
5 Pennies
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 Weekly
2 Every two weeks
3 Twice a month
4 Monthly
5 Quarterly
6 Yearly
7 One time basis
8 Other, on a regular basis
9 Other, on an irregular basis
2 Checking account
4 General purpose prepaid card
5 PayPal
6 Money order
7 Traveler's check
8 Mobile phone payments
9 None
1 EZPass or other electronic toll device
2 Apple Pay
3 Bitcoin or other virtual currency
4 Remittance
4 Bank account number
3 Direct deposit
1 I just ran out and I need to get more
2 I usually do not carry cash
3 I gave my cash to someone else
4 My cash was stolen or lost
1 Security
2 Accepted lots of places
3 Cost
4 Convenience
5 Budget control
6 Rewards
7 Speed
8 Payment records
9 Getting and setting up
1 Government
2 Private for profit
3 Non-profit
4 Self-employed
5 Money stored at payment service (e.g. PayPal)
1 Pay in full when bill arrives
2 Pay over time in several payments
6 More than five
6 Another credit card
5 Another debit card
1 Visa
2 MasterCard
3 Discover
4 Company or store branded credit cards
5 American Express charge card
6 American Express credit card
7 Diners Club or other charge cards
3 No logo
1 Primary account
2 Other account
1 Very interesting
2 Interesting
3 Neither interesting nor uninteresting
4 Uninteresting
5 Very uninteresting
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
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
2 Mortgage
3 HEL/HELOC
4 Auto/car loan
5 Installment loan
6 Zero-interest or no-money-down loan
7 Payday loan
8 Student loan
9 Marketplace or peer-to-peer loan
10 Loan from another person
11 Health insurance
12 Life insurance
13 Umbrella insurance
14 Vehicle insurance
15 Homeowner's or renter's insurance
16 Other type of insurance
17 Parking
18 Tolls
19 Public transportation
20 Trash collection
21 Electricity/natural gas/water/sewer/heating oil/propane
22 Landline, cable, internet, mobile phone (possibly bundled)
23 Federal taxes
24 State taxes
25 Local taxes
26 Property taxes
27 Car/vehicle taxes
28 Rent
29 Building contractor services
30 Building services
31 Homeowner's association or condo fees
32 Personal gift or allowance
33 Alimony/child support
34 Charitable donation
35 Pay a fee
36 Transfer money to another account
37 Make an investment
38 Lend money
39 Memberships and subscriptions
40 Used goods
41 Tuition
42 Child care
43 Purchase goods and services
44 Split a check or share expenses
1 Swiping the card
2 Inserting the card's chip
3 Tapping, waving, or other contactless method
4 Handing the card to an employee, such as a waiter or waitress
5 Some other method of authorization
1 Doctor, dentist, other health care professional
2 Hospital, residential care, other medical institution
3 Pharmacy
4 Insurance company
5 Grocery store/supermarket
6 Fast food restaurant, food service, food truck
7 Coffee shop
8 Sit-down restaurant
9 Bar
10 Gas station
11 Convenience store
12 Large retailer (Walmart, etc)
13 Home improvement
14 Online retailer
15 Liquor store
16 Pet store/pet grooming
17 Auto rental and leasing stores
18 Auto vehicle and parts dealers and websites
19 Clothing and accessories stores and websites
20 Department and discount stores and websites, wholesale clubs and websites
21 Furniture and home goods stores, appliance and electronics stores, hardware and gard estore and websites
22 Mail, delivery and storage
23 Rental centers
24 Movie theaters
25 Online shopping
26 Online and print news, online games
27 Other stores (book, florist, hobby, music, office supply, pet, sporting goods) and websites
28 Personal care, dry cleaning, pet grooming and sitting, photo processing salons and stores
29 Stores that repair electronics and personal and household goods
30 Tuition, Child care, Elder care, youth and family services, emergency and other relief services
31 Employment services, travel agents, security services, office and administrative services
32 Repair/maintenance services for electronics and personal and household goods
33 Vending machines
34 Veterinarians
35 Entertainment, recreation, arts, museums
36 Movie theaters
37 Legal, accounting, architectural, and other professional services
38 Hotels and motels, RV parks, camps
39 Rent, real estate agents, and brokers
40 Building contractors (HVAC etc)
41 Building services
42 Sporting events
43 Casinos, gambling, lotteries
44 Vehicle maintenance
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: Up to 1st grade
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
11: Associate degree, vocational
12: Associate degree, academic
13: Bachelor's degree
14: Master's degree
15: Professional School Degree
16: Doctorate degree
1: Money order
2: Traveler's check
3: Certified check
1 Married, living together
2 Married, spouse lives elsewhere
3 Separated
4 Divorced
5 Widowed
6 Never married
0 Original value
1 Cleaned value
1 Check (personal or business)
2 Money order
3 Traveler's check
4 Cashier's check
5 Certified check
6 Transfer from another account
7 Direct deposit of income
8 Venmo cash out
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