Incomes· Inequality & poverty Missing Out 25 July 2011 by Matthew Whittaker Workers in the bottom half of the earnings distribution have seen their fortunes decline significantly in the last thirty years. In the Resolution Foundation’s second report to the Commission on Living Standards Matthew Whittaker and Lee Savage explore who is receiving the fruits of growth and who is Missing Out. READ MORE
Childcare· Social security Childcare: failing to meet the needs of working parents 17 June 2011 by Vidhya Alakeson Childcare provision has failed to keep up with changing working patterns, with nearly 70% of all working parents now working ‘atypical’ hours. Many are struggling to find suitable childcare provision as a result. The report shows that at least one partner in 75% of families on low-to-middle incomes and in over 90% of families on higher … Continued READ MORE
Incomes· Inequality & poverty· Growth Growth without gain?: The faltering living standards of people on low-to-middle incomes 27 May 2011 by James Plunkett The living standards of people on low to middle incomes were already faltering prior to the recession, and it is no longer safe to assume they will rise when economic growth returns. Growth without gain? explores the boom years 2003 to 2008. READ MORE
Budgets & fiscal events· Public finances Budget 2011: the impact on low-to-middle earners 26 April 2011 by Matthew Whittaker Changes in Budget 2011 will have a significant impact on low-to-middle earners. This briefing note does four things: Outlines the pre-announced tax and benefit changes taking force from April 2011; provides an assessment of the new measures announced in Budget 2011;lLooks at prospects for real wage growth under the macroeconomic forecasts set out in the … Continued READ MORE
Childcare· Social security Childcare Tax Credit Survey 15 March 2011 A new survey of over 2,000 working mothers has revealed that over half will be forced to stop work or significantly reduce their working hours, as a result of cuts in the level of support for childcare costs, due to start this April. The survey was carried out by Netmums, in partnership with the Resolution … Continued READ MORE
Incomes· Inequality & poverty Moving on up? Social mobility in the 1990s and 2000s 11 March 2011 by Lee Savage There is a general view that social mobility in Britain declined in the second half of the twentieth century, that Britain is no longer a meritocratic country where a person’s life chances are determined by effort and talent rather than by family background. Declining social mobility has been a concern for successive governments and the … Continued READ MORE
Housing Meeting the housing needs of low-to-middle earners 9 March 2011 by Louisa Darian Increasingly shut out of home ownership and social housing, low-to-middle earners are becoming more reliant on the private rental sector to provide an affordable, long-term home. In order to help address this Resolution Foundation is working on a project to develop a model to support institutional investment in family friendly, affordable, build-to-let accommodation with longer … Continued READ MORE
Social security Tackling the adequacy trap: earnings, incomes and work incentives under the Universal Credit 16 February 2011 by Donald Hirsch and Jacqueline Beckhelling This briefing explores the relationship between gross earnings and net incomes at various points in the bottom half of the income distribution, under both the current tax and benefit system and the future Universal Credit model. It considers how these alternative systems relate to poverty and adequate income levels and concludes with some general observations … Continued READ MORE
Incomes· Inequality & poverty Locating the middle 22 December 2010 by Matthew Whittaker There has been a lot of recent debate about what is middle income – but the range of ‘middles’ that can be derived from earnings and income data is potentially confusing. This briefing note attempts to provide some clarity, by detailing the relative merits and drawbacks of different approaches and sets out how a wide … Continued READ MORE
Incomes· Inequality & poverty Squeezed Britain: low-to-middle earners audit 2010 25 November 2010 by Matthew Whittaker At the heart of the Foundation’s mission is the identification and analysis of challenges faced by households that find it difficult to flourish in the market economy, while consistently falling on the wrong side of eligibility for state support. Squeezed Britain represents our annual in-depth study of these issues. Original analyses of a number of large-scale … Continued READ MORE
Housing· Social security Submission: memorandum to the Work and Pensions Select Committee on the impact of the changes to Housing Benefit announced in the June 2010 Budget 6 September 2010 by Louisa Darian This memorandum to the Work and Pensions Select Committee summarises the current position of low earners in the housing market and draws upon the Foundation’s recent research into low earners’ experiences of the private rented sector to highlight a number of potential implications of the Government’s announcements. READ MORE
Budgets & fiscal events· Public finances 2010 Emergency Budget and low earners 29 June 2010 by Matthew Whittaker We acknowledged that the emergency Budget published on 22 June was only ever going to provide part of the story: the details of where spending cuts will fall will not be made clear until the publication of the Spending Review on 20 October. Nevertheless, by setting out the Government’s proposed consolidation path, along with the … Continued READ MORE
Public finances What’s the Damage? A low earner impact assessment of deficit reduction options 18 June 2010 by Matthew Whittaker As the government embarks on cutting the public sector deficit, this report considers the options available and the impact they could have on the UK’s 7.2 million low earning households. READ MORE
Work Low earners snapshot for new and returning MPs 24 May 2010 by Cara Brown This briefing gives a snapshot of low earners in the UK. It was sent to new and returning MPs in constituencies with a high proportion of low income households. READ MORE
Housing Submission: Resolution Foundation response to HMT consultation, ‘Investment in the UK private rented sector’ 28 April 2010 by Louisa Darian This briefing sets out our response to Her Majesty’s Treasury (HMT) consultation on addressing barriers to investment in the private rented sector (PRS). It explains that we welcome the consultation: the PRS which has, until recently, received little attention from the policy or research world, plays an important role in particular for low earning households, who are … Continued READ MORE
Social security Submission: the Energy and Climate Change Committee publish report on ‘fuel poverty’ 30 March 2010 by Cara Brown This memorandum to the House of Commons Energy and Climate Change Committee on fuel poverty focuses on the definition of households in fuel poverty commonly used: we make the case that more attention needs to be given to low earners with respect to fuel poverty. READ MORE
Work An open memo to the next government: improving outcomes for low earners 22 March 2010 by Sophia Parker This memo sets out five priorities and proposes some long-term goals as well as immediate action we would like the new Government to take. READ MORE
Incomes· Inequality & poverty· Housing Behind the Balance Sheet: the financial health of low income households 22 March 2010 by Sophia Parker Published alongside our most recent Low Earners Audit this report summarises current statistical data relating to the financial health of low earning households, and complements this with new qualitative data to give a fuller and more accurate picture of financial health. READ MORE
Work· Housing· Wealth Home Equity: accumulation and decumulation through the life cycle 1 March 2010 by Peter Williams This report was commissioned by the Resolution Foundation to inform our work on long-term care funding reform. Many low earners lose out in the current care and support system and find themselves in a funding gap; too rich to qualify for state support, having over the threshold of £23,000 of equity in their house, and … Continued READ MORE
Work Funding Future Care Need: the role of councils in supporting individuals to access the capital in their homes 1 March 2010 This is the latest report in the Foundation’s work to improve outcomes in the long-term care system for low earners. Many low earners lose out in the current care and support system and find themselves in a funding gap; too rich to qualify for state support, having over the threshold of £23,000 of equity in … Continued READ MORE
Budgets & fiscal events· Public finances Analysis of the 2009 pre-budget report 11 December 2009 by Matthew Whittaker This analysis reflects on policy measures set out in the Pre-Budget Report (PBR) 2009 from the perspective of low earners. The PBR acknowledges that any economic recovery in the UK remains a fragile one. It therefore retains the focus of both PBR 2008 and Budget 2009 in providing targeted and time-limited support for those suffering … Continued READ MORE
Work Submission: Resolution Foundation written response to Shaping the Future of Care Together Green Paper 23 November 2009 by Sophia Parker This response to the social care Green Paper Shaping the Future Care Together welcomes the broad thrust of the Green Paper. We believe the shift towards seeing care as a universal entitlement rather than a safety net will vastly improve the experience of many low earners who often find themselves squeezed by the current system. READ MORE
Work Closer to crisis? How low earners are coping in the recession 11 November 2009 by Sophia Parker Closer to Crisis? analyses how the economic downturn is affecting low earners and considers what more can be done to enable low earners to stay in work, in their homes and to maintain their fragile economic independence as the recession plays out. READ MORE
Wealth Financial inclusion and financial capability explained 1 August 2009 by Helen Aynsley Financial services play a key role in most people’s lives. This makes the ability to make sound financial decisions an essential life skill, one that enables people to manage their day-to-day expenditure, cope with unforeseen emergencies and plan for their retirement. Such skills are becoming even more important as the financial services market becomes more … Continued READ MORE
Wealth Financial health 29 July 2009 This briefing outlines the Foundation’s recent research into the financial health of low earners and sets out our current work program. The Resolution Foundation has undertaken research into how low earners access financial services, focusing in particular on how to meet their financial advice needs. We produced a proposal for a national generic financial advice … Continued READ MORE
