Sean Corrigan writes: In a study of Britons’ savings habit (‘What saving habit?’ you might well ask!), Sainsbury’s Bank said that while people were generally advised to save between 10 and 15 per cent of their income, their research had found that the 12.4 million people who are in full-time work were saving just 4.7 per cent, while the 3.7 million part-time workers were putting aside barely 3 per cent.