It's America Saves Week, so why aren't you saving?

It's officially America Saves Week, but according to the National Foundation for Credit Counseling (NFCC), far too many Americans aren't saving, and they're placing themselves at risk for a downward spiral of debt.

If you're an average American family, you only have about $10,000 in net financial assets -- and that includes the money you need to pay day-to-day bills and buy things like gas and groceries as well as pay for bigger things like the mortgage, car payments and credit card bills.

While the total savings rate has inched up a bit in the past few years, when we as a nation were literally spending more than we were saving, we still need to ramp up our savings efforts.