Table 2.

The segmentation model

Pen Portrait	The segment	Emotional and psychosocial factors	Contextual factors	What this means to behaviour
Paula and Steve	Seeing the issue and overcoming barriers	Pride, family values. Social norms of making ends meet and saving a little	Housing and tenure, family and social support, ability to access services and technology	Able to take action and address problems/overcome barriers
Michelle and Ryan	Constantly juggling	Anxiety and reluctance to contact landlord, fear of losing home	House needs repairs, shift work and need for child care	Try to juggle life and manage everything themselves
Clare	Just living day to day	Social norms—behaviour influenced by these around them as they see things such as coping day-to-day as the ‘norm’	Household income	Exclusion from services, does not access help
Adam and Steph	On the edge of crisis	Fear, shame, blame and responsibility	Household income, housing conditions and tenure, service exclusion	Self-disconnection, no quality time as a family, becoming withdrawn and depressed