a report by rakm for ifa promotion research analysis and knowledge management ponds corner spencer way redhill surrey call s media services hotline on 020 7294 3682 with any queries concerning this is thrift thing of the past 2 understanding people spending borrowing saving behaviour commissioned last year which revealed lack joined up thinking amongst consumers when it comes to balancing their however like many we ve been alarmed steep rise in consumer high street whilst official figures showed no signs significant upturn long term savings so our aim study was take initial process step further wanted gain unique insight into culture uk from perspective answer following questions others square4 do believe could save more if anything at all why aren t how important us would are longer able resist temptation spend