Brits are spending more money each month than they have coming in, new research has shown.
A survey carried out by Co-operative Insurance in partnership with homelessness charity, Shelter, found UK adults face an average £165 a month shortfall in meeting their bills.
A quarter of people are uncertain as to whether they can pay their bills on time.
The research also highlighted some of the essential items householders are willing to forego to stay afloat, such as home insurance.
More than a fifth of those surveyed do not think home contents insurance is important.
Co-op Insurance has teamed up with Shelter to raise awareness about the importance of home insurance as well as raising cash to help the charity further its debt advice work.
It has donated £5 to the charity for every new home insurance policy taken out, raising £250,000 to help struggling families keep a roof over their heads.
Campbell Robb, Shelter Chief Executive, said: “Every day Shelter's advice services are there helping the increasing numbers of people who are finding it difficult to manage their finances and keep a roof over their head.
“The support Co-operative Insurance provides through this partnership is vital in making sure we reach as many people in need as possible.”