Research from Legal and General found that 70 per cent of northerners think that putting cash in to a savings account is a priority, compared to just 57 per cent of Londoners.
Julia Clayworth, Legal &General's Wealth Management head of marketing, said: "Whilst the overall spending and savings patterns haven't changed dramatically this month, what we have noticed is a growing regional difference in spending and savings habits."
The reports also found that 31 per cent of London-based respondents are up for splashing the cash compared to just 21 per cent of those in the north.
Worrying, almost one in five people in the north claimed that they spend more on bills and debts than they earn each month.
Last week, Kevin Mountford from Moneysupermarket.com said that banks have recently been increasing the interest rates on their savings accounts in an attempt to increase customer numbers.
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