The festive season appears to have taken its toll on Britain's finances after a third of people claimed they cannot afford to put money aside in savings.
Post-Christmas debt is currently hanging over much of the population, according to Skipton Building Society, with a lack of spare cash the unfortunate consequence.
However, the society has warned that unless people start to contribute regularly towards savings, they could eventually find themselves in an even poorer financial state in the future.
The survey also revealed that almost one in four people have no savings at all, leading Skipton to suggest that the age of austerity really is beckoning.
A quarter (25%) of those questioned said that they saved as much as they could afford, but are still worried that the amount they're putting aside is not enough.
The Welsh have been awarded the mantle of the UK's top savers after managing to squirrel away on average £253 a month.
However, those living in the South East are the least financially savvy, putting aside just £132 a month.
"We all know how difficult it is to put money aside at the moment, however, as we move into a new year, this is the ideal time to start re-assessing your finances," said Kris Brewster, head of products at Skipton Building Society.
"If you are struggling it can often help to speak to a friend or an adviser who can guide you through the money maze and help you reach a point where you can start saving effectively."
A vast array of savings accounts is available to those looking to start the savings habit.
If you're unsure which type of savings account is best suited to you and your circumstances, our savings guide will point you in the right direction.
Once you've worked out which account it is you're after, our savings best buy charts show all the latest, most competitive savings deals on offer.
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