EL PASO, TX — More and more Americans are finding it hard to stash cash for emergencies. A new study suggests that 28% of Americans don't have a single penny saved. That's up from 24% last year.

Researchers blame stagnant incomes and the rising cost of household expenses. Prolonged unemployment has also zapped some Americans' savings accounts dry, but here's an idea that may help you save.

Financial analysts suggest setting up a direct deposit from your paycheck or checking account into a dedicated savings account.