I USED TO LIVE
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Often, many of the people who live in this sort of postcode will be low income larger families living in semis. These are known as type 44 in the ACORN classification and 3.04% of the UK’s population live in this type.
The Black Country and South Yorkshire are the main places for these communities, although they generally crop up in most urban areas. Towns such as Doncaster, Barnsley, Dudley, Wrexham, and Ballymoney are typical. Here is an overview of the likely preferences and features of your neighbourhood:
Family income Low
Interest in current affairs Low
Housing - with mortgage Medium
Educated - to degree Very low
Couples with children Medium
Have satellite TV Medium
These families tend to live in reasonably large council properties.
Incomes are well below average with nearly a third of families earning less than £10,000. Unemployment is higher than average. Work is typically routine, in a factory or some other manual occupation. Jobs reflect the general lack of educational qualifications.
Households tend to be families with a number of school age children. Over 10% are single parent families. Home to these families will often be a three bedroom semi-detached property rented from the local council or housing association.
The lottery, football pools and bingo may offer the hope of wealth. Since money is tight, the payment facilities offered by catalogue shopping are an attraction in these areas. People with a car will own a low value second hand vehicle.
Shopping may be done in Morrisons or Kwik Save, and holidays may well be to a caravan park or a camp site.
Few leisure activities seem affordable. Angling is popular and people will spend time listening to music or watching television. The newspaper is generally a tabloid.
I NOW LIVE
Often, many of the people who live in this sort of postcode will be well-off working families with mortgages. These are known as type 10 in the ACORN classification and 2.26% of the UK’s population live in this type.
Given the commuter nature of this type, it is often found in satellite towns around major conurbations, such as Northampton, Milton Keynes, Reading, Swindon and Crewe. Here is an overview of the likely preferences and features of your neighbourhood:
Family income High
Interest in current affairs Low
Housing - with mortgage Medium
Educated - to degree High
Couples with children Very high
Have satellite TV Very high
These are neighbourhoods of young well-off commuter families, with many pre-school and primary school children.
These families often live in relatively large detached houses and have a long time left on their mortgage. However they have good incomes, and feel able to afford such long term commitments. These individuals are likely to be in their 30s, and tend to be professionals and managers with company pensions and company health care. They drive to work in company cars.
These families are financially aware. Where possible they will have regular savings plans and invest in stocks and shares. A child savings plan may cater for the children’s future. The high level of remortaging may indicate confidence in their ability to repay high levels of borrowing. They have credit cards with high credit limits, but their spending is not high.
The Internet is a popular channel for financial services, with e-banking fairly common with these households. On-line activity is generally high whether shopping, booking leisure activity, playing games or the children’s education.
These are young active people, taking part in aerobics, playing golf, rugby and going skiing. For entertainment they own a DVD player, subscribe to satellite TV and go to the cinema.
ALL GOOD CLEAN FUN
