Almost half of mortgage holders are cutting back on their spending because they fear a rise in interest rates will leave them with a bigger repayment bill.
A new ComRes survey for ITV News found that 49% were holding back ahead of a possible rates announcement from the Bank of England, while 35% of the total population were doing likewise.
At the same time, Britons seem evenly split on how a rate rise would affect their own finances, with 28% saying it would have a positive impact and 27% saying it would be bad news for them.
Just over one in six (17%) homeowners with a mortgage said the impact of a rate rise would be "very negative".
The governor of the Bank of England, Mark Carney, indicated in June that rates could rise "sooner than markets expect".
ComRes interviewed 2,021 British adults online between 1st and 3rd August 2014.
More top news
With dozens of stores making losses and 11,000 jobs at risk, BHS's main task is to return as much money as possible to creditors.
PM spokesman's comments come following reports that the EU is secretly drawing up plans for greater military cooperation across the EU.
The Labour politicians put their alleged differences aside to jointly highlight how remaining in the EU could help fight climate change.