Americans are almost evenly divided on their future financial predictions for 2010, according to a monthly survey.

The Country Financial Security Index, published by Country Financial, Bloomington, Ill. finds 29% of consumers say their financial situation will be better, 28% say it will be worse and 32% percent think it will remain pretty much the same next year.

The index, set to a base line of 100, remained essentially unchanged at 66.3, up slightly from a year-to-date average of 65, according to Country.

In December, 50% of Americans were able to set aside money for savings or investments, up 3% since October and the largest percentage this year, reports Country. It marks the first time in a year that more Americans were able set aside money than those unable to do so.

Country also found that 44% in December rate their overall level of financial security as excellent or good, the largest percentage since December 2008.

But just 58% said they were confident they will have the financial resources to send their children to college, down 7% since October.