Almost half of Americans (49 percent) don't have enough emergency savings to pay for three months of expenses, according to research released Monday. That's up from 46 percent in 2011.

And some Americans don't have any emergency funds at all. Twenty-eight percent of Americans don't have an emergency fund, up from 24 percent at this same time in 2011, according to It's generally recommended that people have an emergency fund big enough to cover six months of expenses, but just 25 percent of Americans have that much saved up.

Also, 32 percent of consumers are currently less comfortable with their savings than they were last year, according to the research. Eighteen percent of respondents are also less comfortable with their debt than 12 months ago.