Health expenses, electricity and groceries are the top three issues worrying more than half of all Australian consumers.

Add to that; fuel, car insurance, mortgage or rent, gas, home insurance and water, and the nation is pretty much worried about everything.

The top strains are revealed in Choice's latest quarterly Consumer Pulse Survey, which also found concerns about interest rates and superannuation consumed 56 per cent of Australians.

"I think cost of living concerns for consumers across the board are very high and we are in an environment now where wages are very flat," said Choice spokesman Tom Godfrey.