The number of people who are left with €100 or less at the end of the month after essential bills are paid has risen to over 1.8 million.
Half of all adults are also struggling to pay their bills on time, a survey by the Irish League of Credit Unions has found.
42% of consumers have had to borrow money to pay bills in the last 12 months and only 3 in 10 are able to save any money at the end of the month.
Levels of disposable income are also continuing to decrease with an increase of 35,000 since June in the numbers with just €100 or less at the end of the month.
The latest 'What's Left' tracker survey from the Irish League of Credit Unions also shows that over half of people feel that the introduction of property tax is unfair since they already paid a property tax in the form of stamp duty.
Eight out of ten consumers are worried that they will not be able to cope with the increasing energy costs this winter.
The tracker also found 96% of consumers are worried about the impact the 2013 Budget will have on their incomes.