Nearly 60 per cent of Canadians would have trouble paying the bills if their pay­cheque was delayed by a week, a poll suggests.

The Canadian Payroll Association survey says not only are the majority of Canadians living paycheque-to-paycheque, but they have little ability to put money away for their retirement.

The survey said 59 per cent of Canadians would have trouble making ends meet if they missed a paycheque.

Of those surveyed, the younger workforce felt the greatest pinch. The survey said 45 per cent of people aged 18-to-34 would be difficult or very difficult to make ends meet if a paycheque were delayed. Another 21 per cent in that age group said it would be somewhat difficult.

The survey also found that 50 per cent of Canadian workers can't save more than five per cent of their net pay for retirement.