A new survey outlines the financial hardships householders are facing on a daily basis.
The study by the Irish League of Credit Unions shows the disposable income of thousands of households remains under severe pressure.
The 'What's Left' disposable income tracker index was carried out last month among 1,000 respondents.
Almost half of those respondents said they are left with €100 or less at the end of each month after paying essential bills.
Nearly two-thirds of those surveyed have less disposable income than at this time last year, and marginally more say they are really worried about falling behind with their bill payments.
The survey also found that almost half of motorists are struggling with their car finances as a result of the increased cost of motoring. One in five have switched to a smaller car to save money.
Over two fifths of households stated that they had no intention of paying the household charge, with the majority of them saying they will not pay as they cannot afford it. Almost one in ten respondents revealed that they will not pay until they are threatened with legal action.