A quarter of British people have plundered savings to book a holiday in the last three months, according to research from Birmingham Midshires.
But the number of consumers spending on travel has fallen from 40 per cent between July and September.
Savings accounts have also suffered under the exigency of paying unexpected bills, which has affected 24 per cent of people, the study shows.
Planning for the unexpected is the key to ensuring expenditures don't damage savings accounts lastingly, according to Jason Robinson, Birmingham Midshires' director of savings operations.
"If savers ensure they put money aside for unexpected costs, savings accounts can survive winter unscathed," he advised.
Failure to allow for a margin of error has led 23 per cent of people to use savings to catch the shortfall after overspending on current accounts – the single most common strain on savings among women – the survey reveals.
Savings account 'raiding' afflicted 43 per cent of women against 37 per cent of men, reinforcing recent Birmingham Midshires figures which showed that over the last quarter, women saved an average of £232 compared to men's £612.
"If we raid too often we'll end up with no savings," Mr Robinson warned.
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