The biggest financial regret consumers have for 2010 is not paying off their debts quicker, research suggests.
Around 53% of people said they wished they had been able to reduce their borrowings more during the past year, while 37% regretted not starting to save for their retirement earlier, according to internet and telephone bank first direct.
A further 14% of people thought they had stayed in a rented property for too long and the same proportion wished they had not spent as much money on their partner.
Around 12% of those questioned wished they had not splashed out so much on an expensive holiday, just over one in 10 regretted buying a car and 9% said they wished they had not bought a house.
But only 4% of those questioned said they regretted spending money on an expensive wedding during the past year.
Debt also topped the list of financial things people were most unhappy about, with 82% saying they wished they did not owe so much on credit cards and loans, while 80% of people were unhappy with their pension provision and 79% were cross with themselves for not taking advantage of tax-free investments, such as Isas.
Three-quarters of people wished they had saved more and 60% said they were unhappy with their general spending habits.
Richard Brown, senior savings product manager at first direct, said: “The new year is the ideal time to reflect on your financial habits and change these for the better.
“The earlier people start to plan their finances and look to the future, the easier they will find their long term financial position.”