According to the poll, 43 percent now think they’ll be personally worse off financially if Scotland separates from the United Kingdom – that’s up from 39 percent. And 17 percent say they think that they will be better off financially, down from 19 percent.

With just over three months to go until the referendum in September, both sides have ramped up their campaign momentum, each arguing for the financial benefits or disadvantages they believe a separated Scotland would bring.

Laurence Brunton owns the Castle Hotel in Dunbar, a coastal town in East Lothian equidistant from Edinburgh and the English border at Berwick-upon-Tweed. He told VoR:

“Being honest, I don’t know what it is like down south but up here you’re actually sick of hearing about it now because it’s constant. The white paper tells you very little. All you're getting is one side saying one thing, one side saying the other, you don’t know who to believe.

But SNP Western Isles MP Angus MacNeil says the Yes campaign is becoming more invigorated.

“There’s not campaign fatigue, people are getting quite invigorated by what could happen in Scotland. They can see it’s a wealthy country and it’s paid more tax per head than the UK in the last 33 years and the possibilities are endless. And the rest of the world is looking at Scotland to see what sort of people the Scots are.”

Angus MacNeil disagrees that the recent poll suggests support for Scottish National Party leader Alex Salmond’s campaign is waning.

“I would disagree that it's waning, it’s one YouGov poll, the general sweep of the polls are all going in one direction and that’s ‘Yes’.

“The polls have a difficulty in anchoring this. This is an independent event and the polls are accurate for 60-70 percent turnout, and many people feel the turn-out will be far higher.”

Meanwhile Laurence Brunton says a more interesting poll would be to gauge what young voters think.

“I do have a major grievance with Salmond conjuring up the act to give the 16- or 17-year-olds the vote on this. I’m sure there’s plenty who are mature to think about it but there’s a lot who aren’t. And I think that is a ploy to get the votes up so it would be interesting to take polls on the youngsters to see how they’re voting.”

MacNeil says young people are becoming more engaged with the ‘Yes’ campaign.

“The youth and everybody else, the closer we get to it the more engaged they are. It was a while ago people were suggesting the referendum was just a matter that no one was going to win. I think ‘Yes’ will win because of the positivity of the campaign.” 

As for who will vote and what side the Scots will choose, money will be the determining factor.

According to Scottish National Party leader Alex Salmond, Scotland would be £5 billion richer by 2019 if it opted for independence.

However, Chief Secretary to the Treasury Danny Alexander says everyone in Britain will be £1,400 better off if United Kingdom doesn’t sever its union with Scotland.

It’s an obvious stereotype that the Scots are canny with their finances, but the truth is that the 307-year-old union may well survive or fail according to how people believe it affects their pocket.