According to Christian charity Family Matters Institute, finances are becoming increasingly stretched for many of us.
Speaking on Premier News Hour, Trevor Single said: "It's becoming more and more challenging to be able to put money aside for the unforeseen circumstances that might arise."
Single's comments come on the day that Aviva released a report claiming that lower-earning households typically have less than £100 in their 'rainy day fund'.
Meanwhile, high-income families - where households earn at least £5,000 a month - have an average of £62,885 in their savings pot.
Families in London average savings accounts worth £13,000.
Average savings by region:
London: £13,333
Wales: £4,167
South East: £3,196
East Anglia: £2,944
Yorkshire and Humberside: £2,912
South West: £2,763
Scotland: £2,595
East Midlands: £2,278
North West: £2,140
North East: £2,125
West Midlands: £1,700
Source: Aviva
Single told Premier that not having enough money in a savings account can cause tension in families.
He said: "I think it throws the family into difficulties. It puts a downward pressure on relationships... pressures on income can be extremely divisive within a family relationship."
Single added that the government can do more to support families as they try to save.
"The government can do more - there's certainly a view from Theresa May that families are one of the priorities but I think we have to see that being delivered into action and into policies."
Listen to Aaron James speaking to Trevor Single here: