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One-third of Scottish households have no savings, facing higher financial stress than the rest of the UK.
About one-third of Scottish households have no savings, according to the Financial Fairness Tracker, compared to 23% in the rest of the UK.
The study also found that 14% of Scottish households are "very worried" about their finances over the next year, and 36% feel they have no control over their financial situation.
Financial stress is impacting health, with 35% of households reporting sleep issues and mental health declines due to financial worries.
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Un tercio de los hogares escoceses no tienen ahorros, enfrentando mayor estrés financiero que el resto del Reino Unido.