Long-term health conditions

- Has a bank account - Makes appropriate use of savings and insurance products - Makes appropriate use of mainstream financial instruments - Makes informed and appropriate use of credit - Engages with debt management, debt counselling and debt solutions as appropriate - Use of Credit Union services - Use of alternatives to formal accounts (e.g. mobile money)

- Has access to and makes use of financial advice as appropriate

- Has a permanent employment contract (See also under the outcome area “Employment, training and education”) - Has a temporary employment contract for at least 1 year (See also the outcome area “Employment, training and education”) - Has sufficient income 

- Receives the benefits to which they are entitled and in a timely manner

- Proportion of income spent on housing costs is less than 33% (more than a third is unaffordable) - Proportion of income spent on energy costs is less than 10% (more than 10% is fuel poverty)

- Lives above the poverty line (individuals and households with incomes of less than 60% of their respective medians are beneath the poverty line) - Has income above the Minimum Income Standard - Has sufficient income to cover all necessary outgoings

- Government investment in housing and local facilities - Government expenditure/funding for programmes - Government support for housing benefits (both as an emergency safety net and ongoing where needed) - Use of procurement practices and public sector contracts designed to improve social outcomes (e.g. contracts that enable social enterprises and smaller SMEs to bid, outcomes-aligned contracts) - Corporate investment and expenditure (giving) on improving housing and local facilities with a social purpose

- Change in policy and legislation to improve housing and local facilities - Changes to regulation - Level of relevant parliamentary activity (e.g. white papers published, committees formed, consultations or reviews conducted, citations made)

- General availability of information - Percentage of population who feel well informed when making housing decisions (e.g. regarding financing options, improvement options, legal options) - Percentage of population who feel well informed of their rights as tenants, landowners and homeless people - Level of media exposure (e.g.

- Response times for emergency services