Are you having trouble saving? Why?

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Almost half of New Zealanders are not saving at all, according to a bank survey.

Mike Heath, managing director for Rabo Direct - which issued the report - said there would be no easy solution to the problem of getting people to save more money.

The survey found 46 per cent of Kiwis are not saving. Heath said the figure had come as a surprise. Last month the Government appointed a taskforce to look at improving the nation's savings. The taskforce is expected to report back next year.

Are you having trouble saving? Why? Here is the latest selection of Your Views: