While many continue to face financial challenges, a new survey shows it's not for lack of effort.

In fact, an impressive 86% of respondents said they review their spending regularly to identify if there are areas where they need to make changes. What's more, 29% of those surveyed said they have a monthly budget to help guide their spending.

Key findings when it comes to shopping and spending:

• 86% of respondents review their spending regularly to know where to make changes.

• 88% of respondents compare prices or use coupons/discount codes to save money while shopping.

• 61% of respondents only charge to their credit card what they can pay off at the end of the month.

However, despite making the effort to spend smarter, Americans are still struggling to pay everyday expenses. Although many respondents said they use a spreadsheet or budgeting app to manage their money and avoid overdrafts, 1 in 4 respondents said they don't have enough money on hand to pay their rent/mortgage or other household expenses. Saving is also more difficult right now, with 75% of Americans saying they don't have enough money set aside to cover basic living expenses for at least three months.

Key findings when it comes to budgeting and saving:

• 23% of respondents said they do not have enough money to pay their rent/mortgage and household expenses.

• 75% of respondents do not have enough money in an emergency fund to cover basic living expenses for at least three months.

Read more from the survey: https://www.advanceamerica.net/money-saving-tips/money-management/americans-financially-fit-but-still-struggling