Nearly half of Americans feel neither major political party offers solutions for personal money woes, and 40 percent feel President Reagan's policies have worsened their financial status, a survey showed Wednesday. The Democrats and the Republicans each garnered the confidence of less than 30 percent of the 2,370 adults in the Money Magazine survey, and 46 percent did not pick either party as being good for their fortunes. "Those people seemed to say, `A plague on both your houses,' " said pollster Sy Lieberman, whose company surveyed a cross section of the American public in June. The annual survey has a margin of error of plus or minus 3 percent.