People in their 40s and 50s were the most likely to be feeling the squeeze, with 55% and 60% respectively saying that their budgets have deteriorated, compared with 49% across all age groups, according to Halifax.
Meanwhile, those in their 30s, which is often the age when people have young children, were the most likely to have run out of money at least once before the next payday last year, with 58% in this age group saying this had happened to them.
Fortysomethings, who also tend to have children still living at home, were also particularly likely to have run out of cash before the end of the month, with 57% saying this.
Despite the continued tough economic climate and high living costs, nearly three-quarters (74%) of households said they felt they were continuing to cope well financially.
Those in their 60s appeared to be managing the best, with 87% saying they were getting by. Households with people in their 60s were also particularly likely to say that they put any spare cash into savings at the end of each month, with three-quarters doing this.
More than 2,000 people across Britain took part in the survey last month.