Long-term health conditions

- Eats nutritious meals each day - Eats 5 portions of fruit and/or vegetables per day - Regularly has an adequate night’s sleep

- Level of benefits available to address financial inclusion - Number of people who qualify for benefits - Proportion of people who are accessing the benefits for which they qualify

- Government investment in financial inclusion - Government expenditure/funding for programmes - Procurement practices and public sector contracts that are designed to improve social outcomes (e.g. contracts and practices that support socially-motivated financial institutions and financial infrastructure, outcomes-aligned contracts) - Corporate investment and expenditure (giving) on improving financial inclusion

- Average household disposable income - Increase in income as a result of the multiplier effect - Ratios of highest paid to lowest paid employees across private, public and third sectors - Average annual poverty premium - Average annual costs of servicing debt - National levels of poverty - National GINI coefficient

- Levels of savings - Levels of over-indebtedness - Number of debt-related legal proceedings

- Availability and use of support for financial literacy and education, and advice regarding financial planning - Availability and use of support and legal services regarding debt and over-indebtedness - Geographical coverage of organisations offering financial advice or support services - Partnerships among financial service providers, public sector and third sector that promote financial support services

- Number of institutions offering alternative products (Credit Unions, CDFIs) - Number of institutions offering flexible bank accounts and affordable credit - Percentage of population without a bank account - Percentage of population without access to low cost/affordable credit - Percentage of population without affordable insurance - National demand for affordable credit - Size of payday lender market - Availability of financial and legal support for communities and small businesses - Geographical coverage and social reach of financial institutions - Partnerships among financial serv

- Future debt repayments are covered by income - Has improved level of household and personal debt

- Has improved knowledge of how to draw up a budget - Is able to keep to their budget - Is able to avoid going into their overdraft

- Has developed financial management skills - Has developed an understanding of how to use and manage bank accounts - Has developed an understanding of essential mechanics of finance (credit, debt, interest etc.) - Has developed confidence and aptitude in filling out financial forms