72% of UK adults are currently concerned about their personal finances, unbiased.co.uk has reported.

Two in five consumers are concerned about their savings situation while 29% are worried about their pension provisions, it said.

The professional advice website said that more than 35 million UK adults currently admit to worrying about their finances and yet 38% of those still haven’t done anything at all to help their financial situation.

Leading the list of financial issues currently troubling consumers are savings (39%), followed by personal retirement planning (29%). 41% of 18-34 year olds and 43% of those aged 55 and above said that savings were their biggest concern, while pensions most plagued the middle generation (38%).

38% of those who are concerned about their finances admitted that they hadn’t taken any action to help their situation, the worst culprits being 35-54 year olds where 41% haven’t done anything to address their financial concerns, compared to 33% of 18-34 year olds. However, 23% of consumers believe that they do not have any concerns whatsoever about their current personal finances.

Of those with financial concerns who had taken action, 22% said they had started saving into a savings account 20% had changed the way they saved and invested 13% had made a tax-efficient investment such as an ISA 9% had taken financial advice from an independent financial adviser (IFA) and 8% had made contributions to their employee pension.

Data from unbiased.co.uk’s ‘find an IFA’ service shows that retirement planning is the most in-demand area of independent financial advice, driving 38% of consumer searches. Investment and savings advice followed closely behind accounting for 26% of searches.

Karen Barrett, chief executive of unbiased.co.uk, said: “The current economic outlook is uncertain and as our research shows there are some real financial concerns for consumers right now. The real issue though is the fact that people are still apathetic about their finances despite this.