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Fewer than half (42 percent) say they have 'a savings plan with specific goals.' —A survey by America Saves, Consumer Federation of America and American Savings Education Council

A new survey from Citi found 25 percent of Americans do not plan to put any money in savings in 2012 — even though 76 percent say saving is very or extremely important.

Nearly three-fourths of Americans (74 percent) say they are financially stable, but more than 48 percent say they do not have enough savings to achieve actual stability.

The survey, conducted by Hart Research Associates for Citi, found that it gets worse the less money people make. Only 25 percent of people earning under $50,000 say they save as much as they should.

On the other hand, of the 55 percent of Americans receiving a tax refund, 29 percent plan to invest or save it and 22 percent plan to pay off a debt. The average refund expected is $2,675.

PriceGrabber conducted a survey in March that had 57 percent of people receiving refunds would do something responsible like putting the money in savings, pay down credit card debt or invest.

Those who didn't have a savings mindset (i.e.. spenders), said they would buy HDTVs, cameras or smartphones (26 percent of the spenders); computers, laptops or e-readers (25 percent of spenders); clothing or home goods (24 percent of spenders) or travel and vacations (22 percent of spenders).

A survey by America Saves, Consumer Federation of America and American Savings Education Council found that Americans are having a harder time saving money. "The survey did reveal that two-thirds of Americans (66 percent) spend less than their income and save the difference, and two-thirds (66 percent) 'have sufficient emergency saving to pay for unexpected expenses like car repairs or a doctor's visit,'" the survey reported. "Yet, fewer than half (42 percent) say they have 'a savings plan with specific goals,' and slightly more than half of the non-retired (52 percent) think they are 'saving enough for a retirement in which (they) will have a desirable standard of living.'"

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