Retirement planning is an important issue, but according to a PricewaterhouseCoopers study many workers remain more concerned about making ends meet.

Forty-nine percent of those survey said they find it difficult to meet their household expenses on time, up from 43% a year earlier. Also, 24% of employees surveyed report using credit cards to buy monthly necessities because they can’t afford them otherwise, representing a nine percentage-point increase from 2010.

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