2.3.9 Gender Men have historically been more likely to be in debt than women, which may be attributed to a legacy of cultural norms about the earning and control of household finances. However, the CCCS report that in the year 2005 women’s average debts were higher than men’s in some age categories for the first time (Saxon, 2006). Women also tend to have their debt spread out over more creditors than men. The Thoresen Review estimates that more women than men are likely to fall into the two most vulnerable groups who are most in need of financial advice (Thoresen Review, 2008: 26). These groups consist of people who are less likely to own their own accommodation, have low incomes, often live alone or as a singleparent family, with a lower education level than average and lack knowledge of financial products.