Abstract
This paper examines the changes in household incomes, expenditure, savings and debts, patterns of work, living costs and use of social services among 100 households in a low-income settlement in Harare, Zimbabwe. The households were interviewed in mid-1991 as the Economic Structural Adjustment Programme began, and one year later in mid-1992 to see what changes had occurred. The paper considers the way in which gender functions as a critical variable in determining the effects of Structural Adjustment and disaggregates changes in incomes, expenditures and work of men and women and their effect on gender relations.