85% of families say they can't afford to save money

By Olinka Koster for MailOnline
Updated: 00:50 BST, 2 June 2009

The number of families who have stopped saving in the credit crunch has risen 劇的な, new 人物／姿／数字s 明らかにする／漏らす.

More than four in five - 85 per cent - say they have nothing to put aside, compared to 50 per cent a year ago.

The 統計（学）, from the Scottish Wi dows 貯金 and 投資 報告（する）／憶測, were 述べるd as 'alarming' yesterday.

にわか景気ing: Cash 発生させる人（物） 蓄える／店s, which specialise in selling cheap 世帯 goods, are doing 井戸／弁護士席 as cash-strapped Britons 焦点（を合わせる） on 取引 追跡（する）ing

The 報告（する）／憶測 says 貯金 habits in Britain are 存在 '厳しく 影響する／感情d' by the 前例のない 経済的な 環境, which has seen ロケット／急騰するing 失業 and 普及した 支払う／賃金 凍結するs.

An 増加するing number of families said daily living costs were 妨げるing them from saving, with 75 per cent giving this as the 推論する／理由 for putting no money aside, compared to 67 per cent in 2008.

Two in five - 42 per cent - said their 負債s 妨げるd them from saving for a 雨の day, up 10 per cent from the year before.

Anne Young, 貯金 専門家 at Scottish 未亡人s, said: 'The rise in the number of people 説 they have no money to save is alarming.

'It has become more of a 優先 for people to 減ずる their 現在の 負債s and 簡単に get by on a day to day basis rather than saving for their 未来s.

'However, while 支払う／賃金ing off 負債s should still be a 優先, in 気候s like these, it is important to save even a small 量 now to get into a saving habit and build up some 資本／首都.'

Half of the 5,947 adults interviewed about their 貯金 habits said they would be encouraged to save if there was 税金 救済 on all their 貯金, with almost a third 説 high 税金 s were one factor for their 不本意.

同様に as having no money to spare, more than one in ten said they did not save or 投資する money because they were 不明瞭な how to go about it, with this 人物／姿／数字 rising to almost one in five の中で 18 to 24-year-olds.

The 報告（する）／憶測 said this 示すd there was a need to 'encourage and educate people' to put money aside for their 未来, even if they believed they could not afford it.

In this year's 予算, it was 発表するd that 貯金 限界s for Individual 貯金 Accounts (ISAs) will rise to £10,200 from October this year for over-50s, and from April next year for other age groups.

'This is a 肯定的な 激励 to savers and will go some way to help those who are struggling to get 投資 returns in the 現在の 環境,' the 報告（する）／憶測 said.
'As our 研究 has shown, people need to better understand these 貯金 乗り物s, and 特に the 可能性のある 税金 利益s

'Although the 現在の 経済的な and 財政上の 気候 has raised the profile of the need to 準備する adequately for the 未来, the 政府 and the 産業 must しっかり掴む the 適切な時期 to 知らせる and educate people as to the most appropriate way to save and 投資する.'

Cash 発生させる人（物）, a retailer that gives people instant cash for goods, yesterday 発表するd it was 拡大するing as families became more cash-conscious during the 下降.

It said it planned to open 30 new 蓄える／店s in London after seeing its 甚だしい／１２ダース 利益（をあげる）s 急に上がる by 14 per cent as more people buy second-手渡す items.

Julian Urry, the retailer's managing director, said: 'There are a number of factors 主要な to our continued growth in 利益（をあげる）s, one of the main 存在 our greater presence and the 劇の change in 消費者 habits on the high street. The UK is now a nation of cash-wise 消費者s, searching for good value for money.'