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News: Financial Optimism is Up, But So is Income Stress -

Are you feeling more hopeful, yet are still a bit worried about whether or not you're making enough money? If so, you're not alone, according to a new study by Experian, showing that while people are feeling more optimistic, issues like reducing debt, income expectations and how much money they will have when its time to retire are bringing their good vibes down a notch or two.

What is the solution to these issues? According to the respondents in the study, education is key when it comes to reducing debt and getting a handle on savings. And Experian couldn't agree more

"While some consumers are on a good path with their finances, others are struggling. The best way to improve your situation is to become more educated about managing money and debt," adds Rod Griffin, director of public education at Experian.

Upswing in positivity

Yet even with some issues, the study found that there was a lot of positivity on people's minds, with 64% indicating that they are feeling somewhat or very confident when asked about their ability to meet their financial goals. On the other hand, more than half (53%) believe they will be able to pay off their student loans – and do so on time.

What about credit cards? Here too there is good news, with 76% saying that they have not been hit with a credit card late fee over the past twelve months. Other trends are also evident in this survey with over half of the people letting researchers know that they make a budget every month, with 69% indicate that making that budget helps them get and keep a handle on their spending.

Some bumps in the road

Credit card debt is commonplace with 49% of respondents wrestling with it, while 46% say that they have less savings than they thought they would have five years ago. Education is one way to deal with financial issues, according to survey takers with 39% saying that they have a difficult time accessing financial education resources.

What about retirement? Here too there are issues with 71% feeling like they are behind when it comes to retirement savings and over half (54%) feeling like they will never be able to pay off all their debt

The online Experian study was carried out by Edelman Berland from June 3 to 8. They interviewed 1,000 adults in the U.S. who are 18 years old or more.