Is a -2% yearly~-ish return worth keeping my money in a savings account? (UK)

I have a savings account that pays 2.66% a year. I think that with inflation at 3.5% it actually makes me slightly poorer by -0.84% a year right? (Sorry if there's a better way to way to calculate this).<br><br>Assuming my savings account with a 2.66% interest rate is the best option I can get for a liquid account, does it even make sense to use it? If it's making me slightly poorer each year, does it just make sense to just continue to spend it, up until I know I want to buy something?