The research also shows that 34% of people couldn’t cover an unexpected but necessary expense of £500.

The research was carried out for CAS by YouGov and is being published by CAS as part of Challenge Poverty Week, to challenge stigmas around poverty and show it is not something isolated in our society.

Earlier this year the charity published findings show that the majority of people in Scotland support the welfare state, and think people should claim what it is due.

CAS runs the Money Talk Team service, a free phone line that checks to see if people are entitled to social security payments or lower bills.

Derek Mitchell, Citizens Advice Scotland chief executive, said: “This data backs up what our advisers across the country are seeing day in, day out, money issues are a serious concern for people right now, and many people are struggling to keep their head above water. This isn’t an issue confined to the margins of our society.

“Many households are in a precarious position, one big unexpected bill, like the boiler going, away from really struggling. The rising cost of living is pulling more and more people into poverty.

“We want to see action from policy makers to help people with the cost of living, through the social security system, better housing and fairer markets. If people are struggling, their local bureau is a place that can help.”