Falling incomes are causing Britons problems as they attempt to maintain their levels of savings, according to a new survey.
In the three months up to the end of December, the average person saved £82.92 - the equivalent of 6.69% of their income.
This was the lowest level for the quarter since National Savings and Investments first started collating information in 2005.
It was also down on the £87.37 people put away each month in the previous quarter.
The number of people who are regular savers has also decreased, with only 50% of people doing so every month, down from 52% in the summer.
The group attributed the fall in saving to declining income levels, with average monthly take-home pay dropping to £1,239 in the quarter, down from £1,384 a year earlier.
But going forward, 29% of people said they thought they were more likely to save in 2011, while only 27% said they were less likely to save, down from 40% in the same period of 2008.
Tim Mack, savings spokesman for NS&I, said: "It is pleasing to see that nearly a third of people are now feeling positive about their ability to set money aside next year.
"Many people appear to be approaching the new year as an opportunity to review their finances and start 2011 on the right track."
TNS questioned 3,005 people between September 3 and November 7.