Sonia Bobbitt says she makes saving money a priority, now more than ever.
"I feel that things are probably going to get worse, then better," she said.
That's why she understands the struggling economy could force some people to choose between saving and surviving.
"What happens to people who have lost their jobs? They can't save! I mean, you've got to do what you can do," said Bobbitt.
The American Savings Education Council and America Saves studied saving habits in U.S. from 2008 to 2010. They found the number of Americans with a goal oriented savings plan fell from 62 percent to 55 percent.
It showed the amount of people with spending plans that allowed them to save money dropped from 49 percent to 46 percent.
The study also said that fewer Americans saved for retirement at work, falling from 55 percent to 49 percent.
"In the grand scheme of things I think deposits have been decreasing overall and the reason being is that we're in the recession, the job losses that are occurring throughout the local as well a state and national economies," said John Hall, President and CEO of American Pride Bank.
Matt McDonald, a branch manager with Robins Federal Credit Union, says setting aside money remains important during a recession even if you can't afford to put a lot away.
"Just beginning to save is the main thing, making it a priority and pay yourself first," said McDonald.
The bank says setting a goal can help you stay motivated to save, especially if it's for something like a new roof or car.
If you don't have a lot of cash to spare, the bank advises starting with saving small amounts on a regular basis.
Another way to pinch pennies is to actually hold on to them the bank says keeping spare change can add up.
With tax season here, you may want to save your refund check. Robins says the money can help cover the cost of unexpected expenses.