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The penny has finally dropped, as latest research from MINTEL shows that British consumers are starting to take their first tentative steps towards more responsible budgeting. 2008 has been a terrible year for the UK savings ratio (how much we save as a % of our earnings) which recently fell to its lowest level for nearly 50 years. But, last month 60% of adults said that they would now be looking to cut down on borrowing and/or increase the amount they save in the coming year, according to exclusive consumer research from Mintel. This is up from just 55% in 2007.