The study, by comparison site moneysupermarket, found that an alarming amount of individuals had too much month for their money and were having to use credit cards to cover everyday living essentials.
It comes as no surprise to hear that many Brits are continuing to struggle to balance their finances, especially as economic times continue to be tough, but using credit to cover basic costs can end up costing more if not paid off in full each month, creating a cycle of debt.
However, a quarter of Brits are only able to eke their salary out for 21 days and use their credit card to survive for the rest of the month.
For one in ten of those who rely on credit, the situation is even more dire, with the average length of time before resorting to plastic just 15 days.
Moneysupermarket found that women were generally finding things tougher than men with 13% regularly using their card as a backup compared to only 6% of men. Certain areas of the country were also better off than others, with Eastern England only having to resort to credit for the last couple of days, with on average, salary money lasting 27 days.
At the opposite end of the spectrum, workers in Wales were far worse off, with most people running out of money after just 10 days.
Kevin Mountford, an expert from Moneysupermarket, pointed out the pitfalls of using credit to bridge the gap but suggested that for those who had no option, ensuring the card with the cheapest interest rate available was being used was essential.