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If you prefer to have the good news first, it appears our savings habits are beginning to improve a little. The bad news is that we're dipping into our savings almost as fast as we're putting it by. According to the latest findings from Birmingham Midshires' Saving Britain campaign, Britons are unable to leave their savings alone. While many people have good intentions to save - putting away an average of £587.38 each over the last three months - they have also raided more than a third (37%) of this amount. There are certainly people who have extremely tight budgets and who truly have little or nothing to spare at the end of each month but the importance of saving cannot be overstated. If you're a non-saver, you'd like to save more but simply can't find the money to spare, or find you need to keep dipping into your savings pot, it could simply boil down to slack management of your budget. Perhaps you're even trying to save more than you can afford. But considering that the main reason people are dipping into their savings is in order to top up their current account when they've overspent, poor budget management may indeed be the problem. If you haven't done it recently, take a close look at what you're really spending your money on each month. Outgoings such as the mortgage/rent, council tax and utility bills are essentials and usually can't be altered - although remember to check whether you can get a better deal elsewhere for your mortgage and your energy bills. But other outgoings are mostly down to a matter of choice so sit down and work out how much you can really afford to save - and then save it, don't spend it. Perhaps it would be better to distinguish between short-term and long-term savings, using a high interest easy access deposit account for the former and the tax-free Cash ISA for the latter. The fact that you can't replace the money you withdraw from your ISA because of restrictions on how much you can save in them, may provide you with enough of an incentive to avoid touching that particular pot. Find out more about ISAs and Savings but remember to Get Out Of Debt first!