Disposable income has increased by an average of €49 a month, according to the latest What’s Left tracker by the Irish League of Credit Unions.
The survey results for the end of 2013 show signs of stabilisation, and indicate a gradual recovery in family finances.
Since its inception in 2011, the tracker has followed how people around Ireland have been impacted by austerity.
The latest report found that the number of people left with just €50 or less at the end of the month after essential bills have been paid, is just over 1 million.
This represents an improvement on the 1.2 million people on the previous survey.
The survey found that one-third of people put off paying essential bills on time each month.
And almost everyone has to sacrifice spending in other areas such as on clothing, health insurance and food, in order to pay these bills.
44% of adults are now likely to be able to save money each month – an increase of 13% on the previous year.
However, seven out of ten of people currently owe money on their credit card and one third depend on it to make ends meet each month.