Nearly two-thirds (63%) of people surveyed by Lloyds Bank think they will be able to keep up their savings levels or put more cash away in the coming months, up from 58% when similar research was carried out six months ago.
The findings add to recent studies suggesting consumers are starting to feel more optimistic about their finances.
Despite the prospect of continued poor returns on their cash as interest rates remain at a historic low for some time to come, nine in 10 people surveyed accepted the importance of having some emergency cash put aside to protect themselves against unexpected costs.
About one quarter (24%) of consumers said they saved regularly throughout the year, with cash individual and instant access savings accounts among the most popular products to save money into.
But two-fifths (42%) of people said they had no spare money to save and more than half (55%) of those who were able to save said they dipped into their cash pots more than once a year. Paying for a holiday was the most common reason for raiding a savings account.
More than one third (36%) of people had less than their monthly household income put away.