As the U.S. Economy continues to emerge from the global recession, some Americans may have found a silver lining to those dark financial clouds. The survey suggests that many U.S. adults are improving how they manage their money. It also shows that more consumers now have a budget and non-retirement savings.

That being said though, many adults continue to engage in risky financial behaviors. Another positive fact is that the majority of adults still agree that they could benefit from the advice of a financial professional, revealing that they themselves recognize the need for further improvement.

Here are Some of the Key Findings

• Showing a slight improvement since 2007, 43 percent of adults now keep close track of their spending. However, more than half (56 percent) still do not have a budget, and more than 11 million adults (5 percent) do not monitor their overall spending and don't know how much they spend on food, housing and entertainment.

• One-third of adults, or about 75 million people, do not put any of their annual household income toward retirement. This is up from 28 percent in 2008 and level with 2009.

• Though the proportion of adults who have non-retirement savings has increased over the years, 30 percent, more than 68 million people, report that they have no savings and only 24 percent are now saving more than they did a year ago because of the current economic climate.

• 39 percent of Gen Y adults - more than any other age group - report having no savings. If faced with an emergency 25 percent said they would charge that expense to a credit card, and 29 percent would take out a loan adding to any existing debt.

• Nearly 64 million adults (28 percent) admit to not paying all of their bills on time. Among minorities this number is at 47 percent for African-Americans and 42 percent for Hispanics.

• 67 percent of adults say they pay for most purchases with cash or a debit card. However, 41 percent report that their household carries a credit card debt. More than 11 percent indicated they carry $10,000 or more in credit card debt from month to month.

• About 100 million people (44 percent) currently have a home mortgage. Of those, one-third say the terms of their mortgage somehow turned out to be different than they expected.

• 78 percent of adults agree that they would benefit from advice and answers to everyday financial questions from a professional.