Our research paints a gloomy picture of worried and pessimistic consumers, with a majority expecting their household budget to get even tighter than last year.
People have as little money to spend now as they had at the start of the recession four years ago, with many simply unable to prepare for unexpected costs or for their retirement.
There's no doubt that the big squeeze has turned into a long squeeze. The assault on real incomes is unlikely to change for the better soon, with consequences not only for individual consumers but also for economic recovery.
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Showers continue across western Scotland throughout tomorrow but some brightness here as well.
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Police are issuing appeals for a gang who attacked two men after luring them into meeting with what they thought were underage girls.