Consumers were generally pessimistic in July about the economy and their finances, according to a new study.

And middle-class wage earners are the most worried, according to the latest Discover US Spending Monitor.

“Respondents have suddenly turned pessimistic,” said Matt Towson, a spokesman for the survey.

The monthly survey’s base mark index fell 5 points, to 92.4 percent, in July. The survey called that a “significant” drop.

About half of the study’s respondents thought the economy was worse in July. That’s a 5-point increase, according to the monthly poll.

Those rating the economy as good or excellent dropped by 4 percent, to 20 percent.

Middle-income respondents were far from upbeat about the state of the economy.

“Respondents making $40,000 to $75,000 indicating the economy as getting better declined 5 percentage points, to 35 percent,” the report says.

“Those making more than $75,000 annually were the most favorable on the economy getting better, with a decline of only 2 percentage points, to 50 percent,” according to the survey.

And the respondents who rated their personal finances as good or excellent dropped 3 percentage points, to 33 percent, the survey reported.

Those who said their personal finances were improving declined to 24 percent. That was a decrease of 3 percent from the previous month.

The survey sampled about 8,200 people over 30 days.