ALMOST half of Spanish debtors think their financial situation will improve, however more than one in 10 believe it will get worse in the coming years, a study has found.
The Kruk Group lending broker study also found the percentage of people who did not have outstanding debts who were optimistic about their financial futures stood at 36 per cent.
Around two thirds of survey respondents not making payments said having debt is a problem that must be dealt with as soon as possible.
The equivalent figure for those in debt was 51 per cent, the study found. About 9 per cent of people not in debt had savings equivalent to three years worth of income.
The survey found telephone and internet bills were the least urgent payments to make.