Stark warnings that Britons are spending too much and not saving enough appear to be falling on deaf ears.
Brits are living for today, not the future
Four out of ten people want to increase their savings this year - but only 26% did so in 2003.
The survey, published by the investment manager JP Morgan Fleming, said nearly a quarter of people have put less aside over the last year.
However, one in three Britons do believe their finances have a significant impact on quality of life.
It has been estimated there is a £27bn savings gap - the extra amount that people need to save each year to achieve a reasonable income in retirement.
At the same time consumers are taking on record levels of debt.
A recent survey published by Datamonitor said credit card debt had soared by 62% since 1999.
Jonathan Watts-Lay of JP Morgan Fleming, said: "There is a clear gap between intentions and action where financial planning is concerned.
"The task now for the financial services industry is to educate and encourage consumers to show how they can get their money working harder."