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More Britons will be able to boost their household coffers as price rises on everyday items start to ease.

Such is the claim of an NS&I spokesperson, who says that prices of utility bills, petrol and food may even reduce in cost, although some cash-strapped consumers still may need to rely on the financial crutch of a loan to cover any big new year ventures.

Indeed, over 50 per cent of UK adults claim they do not have enough money left from their income to put in a savings account.

"There are very few people in a position where they don't need to put some saving away to put them in a better position," the spokesperson continues.

He adds that 12 per cent of people claim that they do not need to save, or do not have the time.

As such, individuals looking for a quick cash injection may find secured loans to be an attractive choice, especially since the money could be paid into an account on the same day.

The amount of disposable income households saved, rather than spent, in the first quarter of 2008 stood at -1.1 per cent, although this improved to 0.4 per cent in the second quarter.