Accruer

* Unlike commercial practice (e.g., corporation- or company-based), when the DoD invests, a misalignment often occurs between the "cost bearer" (the resource sponsor) and the "benefit accruer" (the group that gains an advantage from the investment), especially when the investment creates and returns value to DoD components that exceeds the expected ROI.

And 24 per cent were accidental accruers who did not splash out so had money left over.

Finally, he said 24% of people were accidental accruers - people who did not deliberately save money, but who also did not spend impulsively, meaning they ended up with surplus cash in their bank account.