Notes: Debt problem consists of people who have used a credit consolidator or declared bankruptcy in the past. The number of loans consists of homeowners who say they have any of the following monthly expenses: mortgage, second mortgage, car loan or school loan. Saving habits is an index of three items on saving and spending practices. Self-described savers are those who “always look for ways to save money” and are “always aware of how much money they’re spending” and watch the amount of money they spend “very closely.” Mixed habits consists of all others. Don’t know responses are not shown.

Survey Date: October 18 – November 9, 2006