Payment protection insurance refunds and credit card claims could provide the financial stability some consumers need as economic conditions are set to remain uncertain.The Institute of Financial Planning found that 30 per cent of British consumers do not have any confidence that their current incomes and savings will be enough to cope in 2012. The group stated that high inflation, low interest rates and negative impacts from the eurozone were all contributing to the concerns."When money is tight, it is all the more important to think ahead about finances in order to keep wider plans for the future on track," said John Prout, NS&I's retail customer director.The president of the IFP Marlene Shalton stated that the uncertainty was unsurprising, but added financial planning could put consumers in a safer position.Recent research from Moneysupermarket.com found that high inflation and widespread pay freezes were causing a quarter of British households to spend a quarter of their salaries on bills.John FieldmanHaving worked in the city for 19 years, John's main focus is interest rates and corporate finance.
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