Economic and Psychological Concepts
Single Wave Study
General Information
Title
Economic and Psychological Concepts
Project Number
416
Abstract
This questionnaire is part of the DNB Household Survey and is about economic and psychological concepts.
Longitudinal Type
Single Wave Study
Begin date
03-03-2025
End date
29-04-2025
Topics
Researcher
Maarten van Rooij (De Nederlandsche Bank (DNB))
Publisher
Centerdata
Copyright
© 2026 Centerdata
DOI
https://doi.org/10.57990/zf7z-1e82
Funding Organization
ODISSEI,
OCW (Domeinplan SSH),
De Nederlandsche Bank (DNB),
Tilburg University (Tilburg School of Economics and Management (TiSEM))
Datasets and documentation
View Documentation
Codebook in English
Codebook in Dutch
Data Files
English SPSS file
English STATA file
English CSV file
Variables
| Variable name | Variable Label |
|---|---|
| nomem_encr | Number of the household member encrypted |
| daw25a_m | Year and month of the field work period |
| daw25a001 | Preloaded variable indicating whether someone has never participated in the savings survey |
| daw25a002 | What is your position within the household? |
| daw25a003 | In which category did your total net household income fall over the past 12 months? |
| daw25a004 | Is this income unusually high or low compared to the income you would expect in a ‘regular’ year, or is it regular? |
| daw25a005 | How important do you think it is to have savings (or other financial reserves such as investments) in your situation? |
| daw25a006 | How important is it to you to have some money saved: to leave money, a house and/or other valuable assets to your children (or other relatives)? |
| daw25a007 | How important is it to you to have some money saved: to donate money to your (grand)children or to help them if they are in financial difficulties? |
| daw25a008 | How important is it to you to have some money saved: to supplement your general old-age pension? |
| daw25a009 | How important is it to you to have some money saved: so you can buy a (different) dwelling or durable goods (such as a car, furniture or electrical equipment) in the future? |
| daw25a010 | How important is it to you to have some money saved: to generate income from interests or dividends? |
| daw25a011 | How important is it to you to have some money saved: to have some savings to cover unexpected expenses, for example due to illness or an accident? |
| daw25a012 | How important is it to you to have some money saved: to have enough money in your bank account to be sure you will be able to meet your financial liabilities? |
| daw25a013 | If I compare myself with my friends, I think I am generally better off financially. |
| daw25a014 | If necessary, we/I can reduce our/my household’s expenditures by 5% without a problem. |
| daw25a015 | I think it is more important to have safe investments and guaranteed returns, than to take a risk to have a chance to get the highest possible returns. |
| daw25a016 | I do not invest in shares, because I find this too risky. |
| daw25a017 | If I think an investment will be profitable, I am prepared to borrow money to make this investment. |
| daw25a018 | I am prepared to take the risk to lose money, when there is also a chance to gain money. |
| daw25a019 | What do you do with money that remains after having paid for food, rent, and other necessities? |
| daw25a020 | Do you find it easy or difficult to control your expenditures? |
| daw25a021 | Which of the periods mentioned below is in your household most important with regard to planning expenditures and savings? |
| daw25a022 | How well do you keep track of your (household) expenditures? |
| daw25a023 | How often do you pay in cash (e.g. in a store or as a payment to family or friends)? I use cash money: |
| daw25a024 | How often do you use a PIN card to pay? I use the PIN card: |
| daw25a025 | How often do you use a smartphone to make in-store payments? |
| daw25a026 | How often do you use an ATM (or go to the counter of a bank) to withdraw cash? I use an ATM (or go to the counter of a bank): |
| daw25a027 | How often do you use such a mobile banking app? |
| daw25a028 | It is also possible to exchange payment requests via WhatsApp and Facebook, for example with friends and family. [...] How often do you do this? |
| daw25a029 | What is the chance that you will leave an inheritance (including possessions and valuable items)?' |
| daw25a030 | What is the chance that within the next 10 years you will receive an inheritance (including possessions and valuable items)?' |
| daw25a031 | What is the chance that within the next 10 years you will receive an inheritance (including possessions and valuable items) of more than 10,000 euros?’ |
| daw25a032 | What is the chance that within the next 10 years you will receive an inheritance (including possessions and valuable items) of more than 100,000 euros?' |
| daw25a033 | Do you give large amounts of money to your children in order to transfer part of your capital to them, or are you planning to do so in the future, e.g. every year? |
| daw25a034 | The people in your circle of acquaintances may live alone or share a household with other people (for example with a partner and children). Of how many persons do most households of your acquaintances consist? |
| daw25a035 | How much do you think is the average total net income per year of the households of your acquaintances? |
| daw25a036 | Which level of education do most of your acquaintances have? |
| daw25a037 | We will now ask you some questions about your sources of financial information and advice. How knowledgeable do you consider yourself with respect to financial matters? |
| daw25a038 | What is your most important source of advice when you have to make important financial decisions for the household? |
| daw25a039 | What is your most important source of advice when you have to make important financial decisions for the household? Other, namely |
| daw25a040 | When you were between 8 and 12 years of age, did you receive an allowance from your parents then? By allowance we mean a fixed amount received on a regular basis. |
| daw25a041 | When you were between 8 and 12 years of age, did you do little household chores (like washing the car) for which you received some money from your parents? |
| daw25a042 | When you were between 8 and 12 years of age, could you spend your money as you pleased? |
| daw25a043 | Did you have a job on the side (like a newspaper round, a job on Saturday etcetera) when you were between 12 and 16 years of age? |
| daw25a044 | Did your (grand)parents try to teach you how to budget when you were between 12 and 16 years of age? |
| daw25a045 | Did your (grand)parents stimulate you to save money between the age of 12 and 16? |
| daw25a046 | Imagine taking a ball from a bowl of 10 balls without looking. The bowl contains 10 white balls and no red balls. What is the probability that the ball you take is red? |
| daw25a047 | Now imagine taking a ball from a bowl of 10 balls without looking. The bowl contains 7 white balls and 3 red balls. What is the probability that the ball you take is white? |
| daw25a048 | Assume that the weather report accurately indicates the chance of rain. Now suppose that the weather report indicates that the chance that it will rain tomorrow is equal to 70%. What is the chance that it will NOT rain tomorrow? |
| daw25a049 | Assume that the chance that it will rain in your place of residence is not related to the chance that it will rain in Paris. [...] What are the chances that it will rain in both your place of residence and Paris tomorrow? |
| daw25a050 | How willing are you to give up something that is beneficial to you now in order to benefit in the future? |
| daw25a051 | Are you generally a person who is willing to take risks or do you try to avoid taking risks? |
| daw25a052 | Imagine the following situation: you unexpectedly received 1,000 euros today. How much of this amount would you give to charities without expecting anything in return? |
| daw25a053 | Was it difficult to answer the questions? |
| daw25a054 | Were the questions sufficiently clear? |
| daw25a055 | Did the questionnaire get you thinking about things? |
| daw25a056 | Was it an interesting subject? |
| daw25a057 | Did you enjoy answering the questions? |
| daw25a058 | Starting date questionnaire |
| daw25a059 | Starting time questionnaire |
| daw25a060 | End date questionnaire |
| daw25a061 | End time questionnaire |
| daw25a062 | Duration in seconds |
Response Information
Response Overview
Selected number of household members: 6,366 (100.0%)Non-response: 1,176 (18.5%)
Response: 5,190 (81.5%)
Complete: 5,136 (80.7%)
Incomplete: 54 (0.8%)
Collection Events
Period
03-03-2025 to 25-03-2025
Sample
Panel members aged 16 years or older.
Collection Mode
Internet Survey
Fieldwork Note
A reminder was sent twice to non-respondents.
Period
07-04-2025 to 29-04-2025
Sample
Non-respondents of the first measurement.
Collection Mode
Internet Survey
Fieldwork Note
A reminder was sent twice to non-respondents.