Some 75% of Irish consumers are planning shell out a big amount on a single purchase before the end of next year.
According to the Vision-net.ie Recovery Index, 36% of people are aiming to make that big outlay as soon as 2016.
A holiday was named as the most common purchase, followed by a second-hand car.
The survey of 1,000 shoppers found that a mere 15% will use a loan to completely cover the cost, with people reluctant to take on debt.
Existing debt and tax burdens will also make it hard for those aged between 35 and 54 to access finance.
Just under half will solely rely on savings, while a little over a third of those surveyed will use a combination of savings and loans.
Vision-net MD Christine Cullen said:
“Today’s research suggests consumer confidence is slowly returning to the Irish economy.
"Following a period of financial restraint after the financial crash, Irish people now feel secure enough to begin making significant purchases again, like holidays and cars.
“Having said this, there appears to be a deep reluctance among consumers to take on debt, with only 15% willing to use a loan as the sole means of financing their purchases.
“This suggests consumers are still very cautious about their long-term financial prospects. This is likely explained by a combination of factors, including more restrained earning potential, existing debt and tax burdens and uncertainty in the broader macro-economic climate, like Brexit."
Meanwhile, a new DoneDeal survey has found that 41% of people are likely to buy a car in the next year.
More than half of people say they'll use savings to finance their purchase, with just over a quarter choosing to take out a credit union loan.