Table 4

Adjusted odds ratios* (OR) and 95% confidence intervals (CI) from logistic regression of financial stress on smoking status, income, and other covariates (n=6892)

VariablesAny stress OR 
 (95% CI)Severe stress OR 
 (95% CI)
Source: 1998–99 Household Expenditure Survey, Australian Bureau of Statistics.
*Odds ratios pertain to the odds of having experienced financial stress in the past year.
Smoking status
    Smoking household1.6 (1.4 to 1.8)2.0 (1.6 to 2.5)
    Non-smoking household1.01.0
Household income
    First quintile7.9 (6.2 to 10.2)8.9 (2.5 to 31.4)
    Second quintile5.1 (4.0 to 6.4)6.8 (2.1 to 21.5)
    Third quintile3.8 (3.1 to 4.6)4.1 (1.2 to 13.8)
    Fourth quintile2.4 (2.1 to 2.8)3.2 (1.0 to 11.0)
    Fifth quintile1.01.0
Education
    No qualifications1.4 (1.1 to 1.6)1.8 (0.9 to 3.4)
    Diploma1.1 (1.0 to 1.4)1.6 (0.9 to 2.9)
    Degree1.01.0
    Unknown1.4 (0.8 to 2.2)2.9 (1.3 to 6.5)
Occupation
    Blue collar1.5 (1.2 to 1.8)1.2 (0.8 to 2.0)
    White collar1.3 (1.0 to 1.6)1.1 (0.6 to 2.1)
    Professional1.01.0
    Not applicable1.4 (1.0 to 1.9)2.3 (1.5 to 3.7)
Unemployment
    One or more unemployed persons1.7 (1.3 to 2.1)1.3 (0.9 to 1.9)
    No-one unemployed1.01.0
Pension
    One or more persons on pension2.0 (1.8 to 2.2)1.6 (1.2 to 2.3)
    No-one on pension1.01.0
Type of housing occupancy
    Renter3.6 (3.0 to 4.3)7.4 (4.7 to 11.4)
    Purchaser2.4 (1.9 to 2.9)2.4 (1.4 to 4.1)
    Owner1.01.0
    Other1.5 (1.1 to 2.1)3.7 (1.7 to 8.2)
Index of relative socioeconomic disadvantage
    First quintile (high disadvantage)1.8 (1.5 to 2.1)1.0 (0.6 to 1.7)
    Second quintile1.5 (1.2 to 1.8)1.0 (0.6 to 1.5)
    Third quintile1.5 (1.2 to 1.8)0.8 (0.4 to 1.3)
    Fourth quintile1.3 (1.1 to 1.6)0.9 (0.6 to 1.5)
    Fifth quintile (low disadvantage)1.01.0
    Unknown1.9 (1.4 to 2.5)1.1 (0.5 to 2.1)
Age of head of household
    15–34 years2.2 (1.7 to 2.9)2.3 (1.4 to 3.7)
    35–54 years2.1 (1.6 to 2.6)2.5 (1.6 to 3.9)
    55+1.01.0
Lone parenthood
    Lone parent2.2 (1.5 to 3.0)1.8 (1.2 to 2.7)
    Other1.01.0