We all hate spending money - but what do we resent most?

How cross are you about the rising price of Freddo chocolate bars? Or organic food?

With prices rising faster than they have for years, our disposable income is falling. More than a quarter of people say that they have to be deliberately frugal when it comes to buying essentials, if they're ever to be able to treat themselves at all.

See also: Food prices rise at fastest rate for more than three years

See also: What does inflation mean for you?

It's all about getting value for money - so which products and services leave us feeling ripped off?

According to a survey from utility comparison site Make It Cheaper, train tickets are seen as the worst value thing we have to buy - nearly six in ten people think they're overpriced.

That's hardly surprising, given that the cost of tickets has gone up by a quarter since the mid 1990s, even when allowing for inflation. This year alone, they're up by an average of 2.3%.

Meanwhile, a quarter of all Brits think fresh food is poor value for money, while only 17% feel the same about store cupboard food, and 21% about confectionery.

It's one reason, perhaps, that those struggling financially often pick cheap but nutritionally poor foods such as biscuits, crisps and cereal when feeding the family.

Entertainingly, though, the survey respondents were pretty fired up about the cost of a Freddo chocolate bar, which has gone up from 10p to 25p over the last two decades, and is forecast to rise to 30p by 2030.

When it comes to household bills, council tax is the most resented - more than half of people think it's too much - followed by electricity and gas bills.

Interestingly, though, only 7% think their monthly student loan repayments are overpriced, and just 13% of the UK feel their national insurance costs too much.

"Mandatory bills with no choice of providers, such as council tax, can be infuriating as consumers have zero control over when and how much they pay," says Nick Heath, head of energy insight at Make It Cheaper.

"Shopping around to get the best deal on utility bills, as well as groceries and other consumer goods, can save a decent amount of money each month. For utility bills, we recommend switching, or at least comparing providers, once a year to help combat company price increases."

What do people think is the worst value for money?

Train tickets (58%)

Rent (56%)

House prices (54%)

Parking costs (51%)

Petrol (47%)

Energy bills (45%)

Designer clothes (45%)

Car insurance (42%)

Organic food (39%)

Income tax (36%)