Thesis title: Financial Insecurity in the UK: Debt, Decision Making and Financial Resillience Amongst Low Income Families
The PhD aims to develop new understandings of how those on low incomes manage debt and financial decision making across the life course. The study is a response to increasing levels of poverty in the UK and the limited provisions those from low income backgrounds experience in their everyday lives. This CASE PhD is funded by the Economic and Social Research Council through the North West Doctoral Training Centre in collaboration with the Citizens Advice Bureau, an advice charity which provides free, confidential and independent advice to help people overcome their problems.
Graham joined the University of Manchester in September 2018 as a PhD student in Social Statistics funded by an ESRC NWDTC CASE +3 Studentship working in collaboration with the Citizens Advice Bureau. He holds a Master of Science in Applied Quantitative Methods from Manchester Metropolitan University, with funding awarded by the MMU Q-Step Centre in 2016. During his masters he was involved in multidisciplinary social science research and training, web communications support for the department and faculty, as well as involvement in applied research within Manchester. As part of a small research team he was involved in assisting Manchester Action on Street Health (MASH) to assess the support needs of hard to reach online workers. The aim of this research was to inform the provision of a netreach service, to be run by MASH, to meet the highlighted needs around safety, wellbeing and advice. His master’s dissertation was titled Social Capital and Civic Action which involved the use of multivariate statistical modelling to understand the relationship between structural and attitudinal factors of social networks and trust with people’s involvement in civic actions. Using a government dataset the study built on an existing body of research with proposed recommendations for policy.