Most Australian households have a relatively low stock of cash savings, and thus little scope to deal with an emergency, a periodic analysis by ME Bank, produced by the Economics & Beyond and Baker Group, highlights.Twenty-eight per cent of households have less than A$1000 saved, while 47 per cent have less than $5000 and 56 per cent have less than $10,000 saved.The analysis, drawn from a survey of 1500 people by DBM Consultants, put the number of households "struggling to save each month" at 51 per cent.Only 26 per cent are building up "rainy day" savings, while 11 per cent are spending more than they earn and five per cent are using equity in their own home to make ends meet month to month.The study also shows that household demand for credit remains subdued. The survey shows 33 per cent of households increased debt over the past year, while 28 per cent decreased debt.