More Americans still feel uneasy about their household finances, leaving only 5 percent interested in refinancing their mortgage, according to a recent ""Harris Poll"":http://www.harrisinteractive.com/NewsRoom/HarrisPolls/tabid/447/mid/1508/articleId/938/ctl/ReadCustom%20Default/Default.aspx.[IMAGE]
Polling 2,237 adults online in mid-December, the research firm found respondents overwhelmingly despondent about the fiscal state of the nation.
Twenty-nine percent of Americans believe the economy will worsen, while 47 percent expect it to stay in near or about the same condition. Only 23 percent believe the economy will improve in the New Year.
Thirty-six percent expect to save more money in the year moving forward.
When it came to housing issues, the poll found Americans about as interested in home improvements and equity lines of credit as they were in refinancing their mortgages.
Only 2 percent of respondents said they would obtain a home equity line of credit, while less than one in 10, or about 5 percent, felt comfortable making risky investments.
Less than one in 10 also expected to increase the value of their homes by paying for home improvements, reflecting consistent declines since 2010.
Twenty-three percent of Americans, or one quarter, wanted to do anything financially different from the past year in the New Year.
""Americans continue to face difficult economic times and the New Year may not provide a totally clean slate financially, but there are some bright spots when Americans discuss their expectations,"" Harris said in a statement.
The research firm said that fewer adults wanted to size down their household spending habits as 2012 moves forward.
""This is positive news for the millions who rely on the retail, dining and entertainment industries, and may be small sign that Americans are ready to move on from the harsh times of the past several years,"" the firm added.