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Only a third of Britons bother to save regularly, according to a report from Bradford & Bingley.

The loan and savings provider found that whilst 36 per cent save money often, 20 per cent say they never put money away. One in ten would rather spend their hard earned cash on consumer items than put their money away for a rainy day.

Over a quarter of those asked said that they cannot save because they do not have spare household cash. Bradford & Bingley suggested that high consumer debt is eating away at UK household’s ability to put money aside.

“The spending culture has certainly replaced the savings culture in the nation’s consciousness,” said Steve Potter of Bradford & Bingley. “With so many attractive interest-free deals many people are being tempted to buy now and pay later.

“Just how much they will later pay, however, remains to be seen. What’s clear though, is that if consumers don’t start looking to the future and putting in place proper savings plans they’ll be facing many ‘cash strapped’ years.”

The survey also discovered that few ‘rate tarts’ exist amongst those who do save. Only 12 per cent said that they regularly look at the savings market, whilst three in five said that they trust their bank or building society to provide a competitive rate.

One in three homeowners would be better off switching to an offset mortgage, new figures show.

These allow homeowners to offset the money in their current and savings accounts against the cost of the home loan. They then only pay interest on the balance, thus making smaller repayments.

Intelligent Finance estimates that a third of households would save over 300 a year by moving to an offset tracker product.

Last year, around a quarter of homeowners would have benefited from making the move.

Nick Robinson, managing director of Intelligent Finance, said: “Datamonitor has revealed that the offset and current account market grew by over 63 per cent every year between 2000 and 2004 and predicts that these products will account for 30 per cent of all UK secured lending by 2009.

“One of the main reasons for this growth is likely to be a greater understanding amongst brokers and clients on how offset can provide benefits.”

Nearly a million Brits retain their shares purely because of emotional reasons, according to research from AXA.

Of nine million people who own shares in a listed company, some 900,000 keep hold of their investments because they hold sentimental value having been passed over by a friend or relative.

Meanwhile, one in eight keeps their current shares because they enjoy the perks and benefits involved in their association with a particular company.

More than two and a half million shareholders keep hold of the same stock for over three years with a lack of planning or clarity on when to sell contributing to this statistic.

AXA’s Colin Nelson said: “While it is encouraging that investors are holding on to shares as part of their investments, it is worrying how many people are investing their savings in the stock market without seeming to have a clear, rational strategy for managing their money.

“Investors should be setting clear goals for what they want their investments to achieve. Shares can play an important role but investors should be clear about what that role is – is it income, is it capital growth or a mixture of the two.”

More then three-quarters of active users of basic bank accounts feel that they are more confident in dealing with money as a result of opening the account, according to new research.

Basic bank accounts allow payments such as benefits or pensions to be credited directly to the account, withdrawals through cash machines and bills can be paid by direct debit, but they lack things like an overdraft facility.

The British Bankers’ Association spoke to 1,000 adults who had opened a basic account in the last year.

Some 90 per cent of customers said they were confident that the account meets their needs, 92 per cent felt that opening an account was simple and straightforward, and 91 per cent of customers are satisfied with the way the account has been handled.

Of those surveyed, the majority cited the simplicity of the account as the reason for opening a basic bank account.

Figures show 121,000 basic accounts were opened in the last quarter of 2005, of those 6,100 accounts were upgraded to fuller accounts, and 164 million basic bank accounts opened since the account type launched in April 2003.

Ian Mullen, chief executive of the British Bankers’ Association, said: “This research clearly shows that the features of the basic bank account closely match peoples’ needs.

“As customers become more confident with their finances, a change to an account with fuller features may be appropriate.”

Find a perfect bank account by comparing rates and extras today.

Homeowners could collectively save themselves 850 million by making the move to offset mortgages, according to new figures.

A quarter of borrowers could save themselves 370 on the cost of repayments in the first year alone, according to calculations from Intelligent Finance.

Offset mortgages work by deducting the value of a customer’s savings and current account from the cost of their loan.

This could benefit homeowners with as little as eight per cent of the value of their mortgage in savings. In fact, offsetting 10,000 in savings against a 100,000 mortgage could produce savings of 20,177.74 over the term of a mortgage.

The figures also show that the higher a household’s income the more likely it is to benefit from an offset mortgage. Almost half of homes with savings equivalent to three times their monthly income could also save themselves money.

Nick Robinson, Intelligent Finance managing director, said: “While offset mortgages are growing in popularity, many people find it hard to quantify the potential benefits they can offer – yearly savings, flexibility, and tax benefits, to name but a few.

“This research puts to rest the myths surrounding offset, while revealing that millions of people in the market for a mortgage could be better off offsetting.”

Three in five people who hold a building society savings account would find that an offset mortgage could save them money within the first 12 months whilst almost one in two people with an ISA would find themselves better off by the end of year.