Even though consumption patterns appear to suggest that we are spending more, new research for PTSB finds that we are in fact saving more than usual as well.  And we are switching utility providers more than as well. Despite that, the Reflecting Ireland study says that more than ⅖ of us don't have an ‘emergency fund’ while conversely 61% of consumers think things will get even better for them next year. 

Speaking to Joe this morning Leontia Fannin is chief sustainability and corporate affairs officer with PTSB.