Recent research has shown the credit crunch has driven many Brits to becoming more prudent with their money, saving any surplus they may have.
A study from FairInvestment.co.uk found that almost half (44 per cent) of people in the UK would save any extra cash they had at the end of the month rather than spend it.
Indeed, only ten per cent would spend the money on luxuries such as makeup, CDs or clothing.
FairInvestment.co.uk chartered financial planner Sharon Bratley explained the 26 per cent of Brits who would use any extra money to pay off debts were being wise.
"It is good to see that saving is important to so many people," she said.
"However, although having a financial cushion is wise, it is also wise for people to pay off any debts they have first, which are likely to be charging high interest rates, and then save any extra cash."
According to the study, six per cent would use the cash to make overpayments to their mortgage rather than on a home improvement like a conservatory or glazed kitchen extension.
A January survey from Abbey found that 45 per cent or respondents believed they would use their garden more often if they had a conservatory.