Only 39% of Americans keep close track of expenses, a study by the National Foundation for Credit Counseling found.

Two-thirds of Americans say they learned a great deal or fair amount about financial issues at home rather than in school, including such matters as managing money, balancing a checkbook and building their savings, according to the consumer financial literacy survey sponsored by the NFCC, Silver Spring, Md.

One-third of respondents said they do not know where to turn for financial advice. Many continue to rely more on family, friends, coworkers and other role models for such advice.

The survey was conducted by Princeton Survey Research Associates International.