Americans Expect 2012 to be Difficult Financially

Fewer than two out of five American adults plan to make positive financial changes in 2012 as many of them expect to go through another tough financial year.

Only 39 percent plan to pay down their debt this year and only 36 percent anticipate they will be able to save more money, according to a Harris Poll of 2,237 U.S. adults who were surveyed online in December.

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