The first signs of a possible economic recovery have become visible over the past 12 months, according to the head of the Irish League of Credit Unions.
According to the latest tracker by the League, monthly disposable income amongst all adults has increased by €13 since April 2013.
For working adults, disposable income has increased by €20 since April 2013.
There has also been a fall in the number of people who say their disposable has decreased.
Meanwhile, the tracker shows that more people are in a position to save compared to this time last year - 44% now, compared to 39% last April.
The credit union tracker, which has been published now for four years, follows how people around the country have been hit by austerity and recession, and records the impact the shift in the economy has had on family finances.
It says nearly 1.7 million people have €100 or less left at the end of the month after bills are paid; an increase of 32,000 on the December's figure.