Research from savings specialist Standard Life reveals that, aside from savings accounts and ISAs, 14% of Brits say they regret not paying more into a pension during the course of the year. Of those who regretted this, 39% were aged 55 and over.

Other financial regrets include not budgeting (18%), overspending on eating out (13%)buying too many clothes (12%), ordering takeaways (11%) and spending too much on taxis (5%).

However it’s not all bad, a third (27%) of UK adults said that they do not have any financial regrets from the past year.

Julie Hutchison, consumer finance expert at Standard Life, said: “If you have money regrets about 2015, the New Year is the time to get back on track. Make a resolution to start afresh – whether that’s reviewing your spending habits and putting a budget in place or prioritising your savings pot.

“There are lots of apps available to help with your budgeting and when it comes to saving, some providers will let you easily check and top up your ISA or pension online. Whatever it is you’re feeling guilty about, setting goals and sticking to them will go a long way to making you feel in control again.”

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