Fifty-nine percent of Americans are not confident the U.S. economy will rebound within the next year, a survey of 1,011 adults by the Certified Financial Planner Board of Standards found.

A majority of Americans have experienced negative fallout from the recession, with 55% saying they have delayed a big purchase and 45% have dipped into their savings.

Nonetheless, Americans have a slightly more encouraging view of their own personal finances, with 83% saying their own personal financial situation will remain the same or improve in the coming year.

Fifty-eight said they would feel more confident about their finances if they had a financial plan in place, and 86% agreed with the statement: “Everyone should have a financial plan. Even if you have very little money, it is good to know in advance how you will spend it and the best means of growing what you have.”

While 79% claimed to have a financial plan, only 42% actually have an official written plan and a mere 36% have worked with a financial planner or adviser.

“While our country continues to grapple with sustained unemployment and other economic headwinds, Americans have a more positive outlook on their own personal finances,” said Charles A. Moran, chairman of CFP Board’s board of directors. “And those people who have a financial plan believe that their own financial situation will improve over the next year and are willing to contribute to the economy by spending more.”

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