Getting into debt, retirement worries, and living payday-to-payday are the biggest financial fears in the North East.
Those are the findings of a new survey of people's biggest financial worries, ahead of this week's Budget.
Unlike the rest of the UK, who list not having enough money for retirement as their top financial fear, people in the North East worry most about falling into debt (46 per cent).
However, with pensions still a hot topic, it is no surprise that not having enough money to live on throughout retirement is also high on the list (35 per cent).
The research by UK cashback site TopCashback reveals that a lack of savings for the future is driving the fear of not having enough money to live on in retirement for the vast majority (90 per cent).
Furthermore, eight out of 10 people (81 per cent) are scared about not having enough money to be able to retire at all.
The survey of 91 adults in the North East finds that while pensions are a big financial worry, falling into debt tops the list as the main financial concern for 46 per cent.
Unsurprisingly, the research also lists living payday to payday (31 per cent), being unable to save (30 per cent) and not being able to afford a comfortable lifestyle (26 per cent) as other top financial fears.
Confusion and a lack of understanding, which so often go hand in hand with fear, may be at the root of this worry.
Of those who have struggled with making the right financial choices (47 per cent), almost two thirds (63 per cent) blame their wrong decisions on not fully understanding their financial situation, while 56 per cent say it was because they did not realise the consequences of their bad spending and saving habits.