(USA TODAY) The effects of the recession continue to put Americans at battle with their own money, forcing compromises about how it’s being spent and saved. One area where we’re not improving: emergency savings.

More than a quarter of Americans have no emergency savings, according to an annual survey released Monday by Bankrate.com. Of those who do have savings, 67% have less than six months’ worth of expenses, what Bankrate calls the recommended amount, and those with at least three months’ of expenses declined from 45% in 2013 to 40%.

Unfortunately, the most surprising thing about the survey results is that they haven’t changed in recent years, says Greg McBride, chief financial analyst at Bankrate. The percentage of respondents who have said they have no emergency savings has fluctuated between a low of 24% and a high of 28% since 2011, Bankrate data show.

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