People in the UK are still twice as committed to spending than saving, new figures have revealed.
Research by Standard Life has found that UK adults with credit cardsspend £3,804 on credit card payments each year, or £317 every month.
By contrast, people making monthly savings put £1,680 each year into savings and ISAs, or only £140 every month.
If these commitments remained unchanged over a 40 year period, Brits with credit cards would spend over £152,160 on credit card payments alone.
This is £84,960 more than those who make monthly savings into their savings and ISAs would have saved.
"Some people may be using their credit cards really effectively, paying them off each month and not splashing out on nights out or designer items that they really can't afford," said John Lawson of Standard Life.
"It's always a challenge to set priorities and if money isn't managed well, then debts can easily mount up.
"Obviously paying off any credit card debt you have should always take precedence over savings.
"However, our research suggests that people are not thinking about their savings as much as they could be, even though it's our savings and investments that can prevent us from falling into debt in the first place."
Saving and spending are both currently prevalent in the UK ; more than four in ten (44%) adults make monthly savings into ISAs or other savings accounts.
In addition, more than half (51%) make monthly credit card payments, while one in five is currently paying down a loan.
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