The number of people who believe their financial security is worsening is now 45%, down from 49% in April, a survey by Country Financial found.

Conversely, 39% say their financial security is either good or excellent, up from 37%.

The brokerage’s Country Financial Security Index now stands at 64.6, down a mere 0.3 points from June. This is the smallest overall decline since October 2008.

However, 52% said they were unable to set aside money for savings or investments, and 24% were unsure of their ability to pay down their debts.

“While we aren’t out of the woods yet, it is uplifting that the slide continues to slow,” said Keith Brannan, vice president of financial security planning at Country Financial. “One of the most difficult things for us in these tough times is maintaining our long-term financial needs while making sure the essentials are covered. Now is the time to plan not only for goals that require us to save, but also for protecting what we’ve already achieved.”

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