I had trouble understanding some of the questions about online banking with regards to telephone verses websites , I only use websites for paying essential bills such as electricity,phone and water.
I am considering cancelling my internet service,due to an affordability.I will inform you when, by phone.however  have enjoyed thi experience, thank you.
i like to know  how  risky the iphones and internet is becomeing
WE USE CREDIT CARDS WITH POINTS AND/OR CASH REWARDS AND PAY THEM OFF ON A MONTHLY BASIS I HOPE THAT WAS REFLECTED CORRECTLY IN MY ANSWERS
I have not RECIEVED my quarterly check as of this date
i got paid for selling blood plasma , and they pay out using a prepaid reloadable card after each donation . i have only been in twice to sell plasma because they blew my veins out , and am waiting for my self to heal before returning .
in the question about any difficulties for the household , you ask about the last 12 months for losing a job , but in the next question you ask about a 7 year period , but dont ask for 2 of the criteria like job loss . i would have thought tha
i didnt think i could get one because my credit score
Patriot act makes everything now unsafe.
I found some questions tricky. For example, does debt include a mortgage? I included our mortgage in debt. Also with household assets. I included investments like 401k and Roth. Our situation is unique. We move every 3 years for husband-s
not commenting on money amounts none of your business thank you
do not use this information for anything, thank you.
at the end the questions were too personal!
These questions are too personal. Don-t ask them again.
I moved and now live alone. Some of the answers were set up assuming that I was still living with family.
when you do detailed surveys like this one you might want to make them a little shorter. because they get a little repeatative
I found some of the questions hard to answer because I am not in charge of my household-s finances. Also I found some of the questions repetitive.
This was a difficult study to do; I really do not have any debts other than a small credit card debt that I pay off in full each month.
Early in the survey; &quot;Acceptance for Payment&quot; question lists stores, companies, on-line merchants, other people, and merchants.  The question cannot be answered:  For instance, cash is very acceptable to stores, other people, and m
so far have not had a problem with identity theft. maybe this should be included in survey. thanks for allowing me to participate with yr excellant organization.
Buying groceries with debit card, cash back.
Really hard! I would rather see all those how paid/how often questions in a matrix--hard to keep them straight. And do you REALLY need ALL that info? I don-t have much confidence in my numbers of transactions--but if I had gone through my
Uncertainty on HRA debit card.  Loaded once at the beginning of the year with the contributions withheld (from income) in equal increments throughout the year.
I-m sorry, I did not understand all these various payments. I use a lot of cash weekly, debit card as well and on occasion checks. I only have a regular old fashioned... ! cell phone. I feel there was a bit too many questions all at one t
Very time consumming to come up with approximate correct answers.
somer questions should have category not applicable since some of us do not use them
I didn-t understand all the choices, having been retired several years so many of the questions did not apply to me
Very interesting survey - makes you really think about your finances
I am the only one in my household, so there isn-t added income from anyone.  I am responsible for all of th debts.  I owe one store credit card as the item was interest free foe two years.  It will be paid off before then.
I just received an inheritance that paid off all my bills except for my car.  God is good!  More to come and hoping to sell my mobile home and move in the future.
This was a very good survey, however, it  was very wordy. Also, the words were not always alingned properly on the page (e.g., Left justified).
Things have certainly changed in the last 20 years.
Preauthorized automatic deduction from bank account
The language on-screen where you were requesting Online Bill Payment was not easy to distinguish at first from Online payments for purchases.  Later in the questionnaire, you put the description of the category eg Purchases--Retail in the desc
regarding on-line bill pay, some bills are paid monthly and a few yearly. you would only accept one of these answers
I only use a debit card for groceries and gas.  If I have some cash, I will use that, if not I use the debit card. I do have a credit card from my bank, but did not activate it.  I do not use them. Unless I would make a big purchase, I will ne
I only use the internet to do these surveys. My wife does online banking and shopping.
makes you look at yourself hard work pays off
cash at the ticket machine to upload subway card
I don-t own a mobile phone so those questions for me were really not applicable. Also, I don-t do any online banking and very rarely will buy something on line. I have on occasion, but this is very rare. The only prepaid card I have
When I checked I didn-t have a smart phone, some of the later questions could have been eliminated.
No, I do not have any questions,everything was clear and concise. Have a good day.
the unpaid balance is for new appliances but has 0% interest.....
This survey had so much duplication that I can-t see how you get any value from the results.  Have your staff take this survey and you will see what I mean.  How many times can you ask the same question???
My husband and myself are retired on a fixed income therefore we must budget carefully
My answers on the use of my credit card probably looked crazy.  My checking account was compromised and $7000. was taken from my checking account.  My bank, Bank of America, was able to get on this immediately and we were able to retrieve the
Very long - or maybe it just seemed so as I am recovering from some back surgery and can-t sit very long at one time.
No, just that it was very interesting and your surveys have helped me organize my finances and prepare for hard times in many ways. Thank you very much!
My debit and atm card are the same card. I had the debit zeroed out,in case it was stolen.  We just purchased a $219,000 retirement home.  Will sell our $600,000 home this spring.  Only write check when there is no other possible payment accep
It looks like cash is taking a back seat to electronic money.
we are retired, i do some part time work,we live a simple life and pay our bills with a paper check.
I only use my debit card for everything. But, yes the bank froze my account. Only for about 2 weeks. They were issuing out new debit cards. Some place called Gold Coast Inn was messing with accounts. I never heard of them.
From our home stash..My husband goes to the ATM to replenish it.
This took WAY LONGER than 30 min!  My husband pays all the bills, mostly online. I pay for personal services by check usually. It might have been more useful to you if my husband was given this survey..I hope my input was still worth it. :-)
This was not as bad as the survey that asks about individual transactions in a given month.  Although I have finally started tracking my receipts on a monthly basis to make it easier to answer that kind of survey.
To many questions in 1 survey.  Break it down into more than one survey. Just to long.
some of your blocks to enter figures are very confusing and do not work. only way to advance was to enter zeros
My position was eliminated the end of May so I have not worked for pay since then.  My son had a very serious accident on June 1 and I flew to Nashville and was there for one month.  I used my credit card to live on while there, that is why my
We have no debt of any kind, and our total household net worth is not available in this survey.
I-m so unfamiliar with money orders, I just guessed on some of those.  And where is cash NOT accepted?
I distrust internet based payments a lot. This is probably irrational, because even if I call in info, for example, the institution undoubtedly uses online transfers, etc. I have never, ever not paid a credit card bill in full.
I am self employed - and as silly as it may sound, it-s sometimes difficult to calculate where my personal life stops and business life starts.  For example, my primary office is in my home - so when I buy something for the office and use
debit card when paying for something and I am offered the option of getting cash, usually at the grocery store.
Thanks for letting me participate in your surveys.
near the end...the question re other assets...what was to be included???
This was a long survey.  I had some ideas for comments early during the process, but by the time I reached the end I had forgotten what they were.  JHA
Thank you the only thing I am not for sure of is my husband exact income and how he has his bill payment set up. I pay mine he pays his not the way it suppose to be.
Really enjoyed this one. Something new and different.
Interesting, but  am not familiar with all of the issues in the questions asked.
Account misused by criminal actions. The  bank was arrogant until I proved that it was their mistake - signature did not match.  Too many others having similar or other problems - too much of a hassle to use checks.   I use a cashier
recently had credit cards with the touch feature (where you don-t run it through the card reader) replaced after seeing that someone could walk near you and clone your account number from this type of card.
I am erratic in my spending.  It was almost impossible to report how many weeks I spent less than the usual.  I could only guess.
I chose middle of the road answers for many of the questions because I don-t have a debit card, have never used on-line banking and have paid my credit card in full every month for the last 15 years so I am not fully aware of the costs, s
there is something wrong with your bill pay chart the only way I could answer the question is to place 0-s in the box
This survey is always difficult for me and I dread it.  I dislike looking up all these records.  This one had questions that we had not had before.  Again, I will say that $20.00 is not enough for this one!!!!
Many questions asked about my experience with debit cards and prepaid cards.  Yes, I have had these but I have never used them.  I think you should have had a column that said &quot;no experience&quot; or something like that.
Lots of guess work.  Sorry.  Memory not as good as it used to be.
On the question regarding ranking the reasons you choose certain options to pay for things, I put down that my main reason is cost because of rewards received from Visa and others.
Many of the the questions were very confusing and I could not answer them.  You assume tha t we pay on-line,have money taken from our bank accounts on-line and other computer oriented things.  There were many questions I could not answer becau
Amazed to find some utitility firms now charging a fee to set up automatic payments from bank account...
I charge everything from a $1 iced tea to all groceries, gas, etc to benefit from rewards that-s why my weekly number was high
I feel I must clarify my response that I have entered my SSN in a website.  Only once and it was the SSA-s website to apply for benefits.
My answers may not help you much.  I am an opld man with old ways. If I aint got it I don-t spend it and if I do spend I write a check or pay cash. I pay off my credit cards each month except when there is a large expense and then pay in
Some were hard to answer. For example I have a card that is both a credit and an ATM card (directly from my checking account), one that is a debit and and ATM card (directly from my checking account) and almost all credit cards can be used in
We do everything we can with our visa rewards card...cash is for tipping..utilities and tithes are by checks..NEVER PAY interest except for mortage on our rental income property..which the renter pays monthly for us in rent...
Interesting questions.  Some forms of banking I had never heard of.
I enjoyed this interview, although a few of the questions were difficult to determine the type of payments and how they were made.  Thank you for this opportunity.
My husband helped me go through this, since he is the primary bill payer in our house.
We killed all of our credit card debt...it feels SOOOO GOOD!!!!
I think of the car loan like rent and forget it is real debt.  But I guess it is.
I do not like to answer the true worth of my income.
this was the worst survey i ever took . the diections were complcated and difficult to understand
it is startling to think hard about how i pay for things and where it comes from, specifically cash.  i rely entirely on my wife to bring cash into the house.  my pay is automatically deposited and i do not do the regular shopping.  she works
I still get confused over your instructions on on-line payments.  Early in the survey, your instructions stated that I provide the bank with information on the merchant and the bank transfers the money to the merchant.  I have never done it th
questons difficult to understand.  Essentially we charge everything we can and pay in full each money wwith checks.  don-t trust on line banking too confusing and banks always start adding fees once you start using their services.
Had a very hard time trying to fill in numbers when it asked for number of times I used cash, etc per week, month or year. Did not work.
At train station machine to get metro card refill
PLEASE UPDATE MY EMAIL ADDRESS TO:  marie.bobii@gmail.com
The only reason I did not pay off my credit card monthly is because I made a large purchase and the interest rate for 1 year is 0%. When the interest rate increases the balance will be paid.
a little reluctant to disclose some information.  I feel the need to protect my financial information...who-s to say that someone from you company can-t access this information and use it in a fraudulent manner. I have great credit a
I was very leery of this one.  I remember that the last time that I did something like this it took a real long time and that is why I procrastinated doing this one. This one is better than the previous one.  The other one talked about total d
The questions make you think long and hard about where your money goes.  I cash a check and the money flows out of my wallet until I reach in and it-s empty - then the cycle starts again.  I buy breakfast and lunch at work every day, gas
Some of the questions were confusing with the weekly, monthly and yearly boxes to check.
Are metrocards prepaid cards?  I assumed so
I would like to see the results of this survey.
some serious confusion...status (retired) may have had some impact.  Also, having once had a card cloned I/we are over cautious and despite ease of the net for payments will not go there.  Paper records most important due to tax implications..
Cash a check I get monthly for on hand money
As to household assets.  I live in low income housing.  The furniture in my apartment is not worth much at all.  That is why my assets are very low.
More politics, religion and sex, please.
Some of these questions were hard to answer when you are self employed. I also would love to know which of the big banks is paying for these surveys?
Hard to answer some questions. I did not like this survey much.
selling at the farmers market on saturday
We are building a home and paying cash for it.  What we can-t pay cash for, we will borrow from family and then take a home equity line of credit out on the new home (when it is complete) to pay back our family members.
Awesome survey. It-s nice to have different surveys to take. Really makes you think about how we spend our money
On one question, I made a mistake in choosing answer, but computer wouldn-t let me fix
Question about -Other Sources of Cash- I go to the bank teller to take cash out of my account and then take cash for any/all checks I receive.
this was a long survey but I liked the formate and it was interesting
Challenging to answer questions like these.  However the answers on Debit/ATM cards (which I don-t use) may not be representative of others feelings.
There was some ambiguity.  For example in one section you asked about bill payment.  I assumed you meant medical bills.  Then in another section you broke out payment for medical expenses.
A little long, however it had many interesting questions. Thank you. Regards, Luzy
THIS WAS THE LONGEST QUESTIONAIRE MORE TIRING THEN THE BALLS
it show I need to watch my spending better
Covered a broad financial area but what about Rand-s disapproval of renewable energy?
Some questions very difficult to answer(or even estimate).
Steal cash sometimes from my vending machines (I own them)
Regarding the question of how many credit card purchases to you make in a week/month/year, I tried to enter 1200 in a year and it implied that was too many. I then tried 100 in a month and got the same message. Then I tried 24 in a week and ag
On items such as home value, adding the &quot;000&quot; instead of &quot;.00&quot; confused me. Other than that, the questions were very clear.
If I learned anything from our recent financial crisis, it is that our banks and government are taking us all for a ride in the wrong direction.  Poor stupid people are easier to lead around than educated people with property, so our current a
You got me on some of them, but I answered the best i could.Thank You.
I enjoyed this one very much.  Thank you.
This was wqy too personal to request!!! Confidentiality must prevail!!
Any of the question reguarding the following cards  debit,prepaid,money orders,bank account numbers,I woul disreguard as I do not use them so I do not know the info about them.We only use cash, checks and the occasional credit card .
Very interesting survey, but you make my head hurt!!  Thanx for the opportunity. Blanche
My husband and I completed Financial Peace University and now use cash for all purchases, excluding bill payments (completed with online banking) and checks made out to church.  Cash for everything else though!
This one was very long and detailed. Thanks.
i wish i could have reviewed a summary of methods of payments, after i completed all of the questions so that i could be sure I understood the categories and completed it correctly
For the question about the total value of my assets not including my primary home...  I did not include money in savings.  If I am to inclide savings the number should be $75,000
I did as good as I could without going through all my records.
my wife handles almost all bill paying and family finances
When you asked if I had a smart phone at the beginning, and I said No, it would have been nice not to get questions about using one.
Had trouble with payments for dining, dental, etc.Finally gave up and entered zero. Need to fix this. It thought I had too many payments.
My total debt apart from my mortgage is one credit card with a balance of $1800. Doesn-t seem to be a place for that on previous page.
On the stolen credit card question, someone got ahold of my number aqnd tried to use ti but the card company caught it.  They canceled my number and issued me a new card.
Some questions were confusing and seemed redundant. It may be me not comprehending.
I really don-t trust online transactions. I was a victim of identity theft .  The thief applied credit cards on line under my name.
You made me remember that I have a pre paid gift card which I haven-t used! Thank you
Some of these questions are very hard to estimate
This survey is very BORING!!!!!! And way too long.
question transition was so slow it took 1 hour 30 minutes to complete
It is an extremely pain staking process to come up with number of payments in cash, check, debit, credit card, etc.  And in many different fashions.
IN 1996 MY ID WAS STOLEN AND $15000 WAS CHARGET TO MY NAME, IT WAS HELL AND STILL IS, NO  ONE WILL HELP YOU, AND I HAD TO PAY ALL THE MONEY, SO I AM VERY CAREFULL, IF I EVER WILL HAVE MONEY, I WILL BURRY IT IN MY BACKYARD.
I charge all expenses that I can on my credit card to get air miles.
I would like to know what determines the surveys I get. I commented before on this particular survey and yet youve sent it to me again and I end up not filling it out thoroughly. I wont give personal information regarding my bill paying or acc
When asked about the debts we have,I had to put zero because we only owe $43 on one credit card and that will be paid this month.
Most intrusive questions...most of them are unacceptable to me.  Probably, my life experience has afforded me a high degree of mistrust, even of you people...unfortunately.
Use of credit cards,only 0% when paid in 6MO/ 12mo. Have not filed bancrupcey ever, but are paying unsecured debt ( credit cards ) through a program that has so far paid the bulk of debt at less that 50% of original debt.
I actually got a little nervous not only saying how much I use my personal info in non-secure locations, but also realizing it.
I don-t use a smart phone, I don-t use a cell phone for payments, but the most of the questions kept asking this after I had answered I don-t use my cell phone for this purpose.
this is much better than the monthly spending
I have to use cash to pay daycare and the sitter
Sometimes prepaid cards are purchased for specific vendors such as food establishments.  With this there is a discount in the food purchased and a discount for gasoline where card is purchased.  Also: I pay for most meals with a debit card.
This interview took over 1 hour.  This is longer than Rand estimated.
payment as caregiver for my parents is in cash once a month
My parents own their home and I live with them as their caregiver for room board and pay.
I noticed you did not include automatic payroll deductions.
Automatically loads from Credit Card when blance hits $10
If I pay off my credit card in full, do I have debt? (it always has some charges on it . . .)
Much to long to much personal iformation asked.
I wanted to clarify the types of cards I use, I have an H&amp;R block card that is loaded for my payroll and then I receive a minimal amount of child support on a Visa card, and an HSA card through my employer, they add $1500/yr and I add $20/
i tried entering information to all the question, but it kept saying it was too high of a number, so i had to enter 0 to every question. sorry
For some reason, the computer was not letting me enter any of the number of transactions in the financial section.
I had a very hard time entering the actual dollar amount, in the fill in the blanks. The computer will not allow to enter anything besides 0. Sorry I tried to put anything else.
I have no idea how much the house we are RENTING is worth.  We are renting it and do not plan to buy it so we do not need to know that information.
predetermined payroll deduction deposited in advance by employer annually
I alway am amazed at how much i do in a year. I guess you take things for granted untill you really stop and count them. Great survey
There is someone i know that is interested in doing these surveys,if you want there email address let me know and i-ll hook you up thank you
you should ask how much monthly income goes towards mortgage debt
This was difficult to respond to as my expenses vary so much,my spending varies from month to month.. more bills in the winter than the summer, holidays and birthdays vary from month to month changing my spending. there are so many variable it
I purchase a new prepaid phone card when needed
my home will be paid off in 22 months, ya! i have no credit card debt. no car payments .
i do not have an income, so that should be an option in answering the ? about how my income compares to husband-s.
your questions are worded in such a way that I am never sure about answering for myself alone or including my spouse
some cinfusing as it seemed the same question asked again and again
I thought it was very hard to understand.
definitely makes you think about how you-re spending your money and the security surrounding it.
This survey was too long. I got really tired and thought, &quot;I hope you don-t do many more like this.&quot; Could you not separate these types of surveys into shorter ones?
It is not a cell phone I have, but a track phone that costs $25/month at Wal Mart for 750 minutes for 30 days and does not have roll over minutes.  I have had to enter personal information on the internet excessivley due to job applications.
confusing when types of payments for different things on different pages; sometimes I think I-m counting things twice...
The wife has separate checking and savings accounts. Sometimes we pay some bills from my account, sometimes we pay some bills from her account. I would like to refer to a specific question, if they were numbered I could supply you with more in
i have 4Bills i direct pay a month and 5 by check
SURVEY DOES NOT PERTAIN TO BE.I DO NOT WANT  TO DO SURVEY 285.THANK YOU
Seems to be that I-m caught in the dark ages as far as bill paying is concerned.
I dont know what my credit rating is, but I am guessing it is decent.  I always pay my credit card bill in full on time and I do not have any substantial debt.
during the section of how often you use different methods of payments weekly,monthly and yearly,it kept telling me my numbers was to high. It would not let me enter the correct numbers.
These personal finance questions always make me squirm.  Every time I take one I seem to have had a month of &quot;unexpected or unusual&quot; circumstances recently and they make me look up and take notice---uncomfortably.
I was glad to be done with this one. So much detail and unsure how to categorize each and every financial transaction.
I had to take a short break but I got it done very thought provoking good night Hey would you ladies check my web payments I have not seen any payments to Att. Thanks RB  looking  forward to the expense accounting survey
i didint understand alot but i done my best
thank you for this opportunity to do the survey.
New address: 116 Post Oak Drive, Kingsport, TN 37663
GOT A LITTLE CONFUSED WITH THE DIFFERENT PAYMENTS...
my husbamnd gets it at the atm and gives it to me.
The answers to many questions were nothing more than guesses as I don-t have the time or patience to review my records to determine the number of purchases paid for by each means within a given time period.
You might consider separating out payments by mail from payments by phone, although you wouldn-t be able to compare new to prior questionnaires until you had been asking the questions for a while.