Savings levels have dropped over the summer months, bringing the steady rise seen over the last year to an end.
According to the latest NS&I Quarterly Savings Survey, Britons are now saving 7.63% of their income each month, down from 8.21% in the spring.
In terms of pounds and pence, average monthly savings now amount to £101.66, compared with £105.43 in the previous quarter.
Driving the downward trend are women and middle-aged savers who have all been putting away a lower percentage of their income in recent months.
Indeed, men are now saving more of a percentage of their income (7.89%) than women (7.34%), a complete reversal of spring 2014 when women saved 8.59% of their income and men saved 8.04%.
When looking at the age of savers, savings levels are down across the board, except for those aged 16 to 24 and 65+.
Those aged over 65 are able to save the most each month, putting aside £128.33 on average. However, despite increasing the amount they put away in the last quarter, 16 to 24 year-olds save the least, at just £80.58 a month.
The survey also revealed that one in five (20%) Britons have less than £1,000 in savings, while 16% admit to having nothing put aside at all.
Once again, women and the middle aged are worse off, with 19% of women admitting they have no savings, compared with 13% of men.
"Over the summer months there was cause for concern as the consistent rise in savings we've seen over the last year came to a sudden halt," said Julian Hynd, retail director at NS&I. "With Christmas on our doorstep, and an interest rate increase predicted for next year, it's essential that we regularly review how much we can put aside in savings.
"It's also important to review the personal impact interest rate rises may have now, and if necessary take steps to make sure that an increase in payments, including mortgages, is affordable."
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