"Things are not going to get better for savers, " said Greg McBride, senior financial analyst at Bankrate.com.

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"I think three out of four households need a bigger savings account, " says Greg McBride, senior financial analyst at Bankrate.com.

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Greg McBride of the financial Web site BankRate.com says in pricey coastal markets, that leaves a lot of would-be buyers out.

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We've been seeing interest rates decline, and when I spoke to Greg McBride over at bankright.com, he's hopeful that's going to mean fewer foreclosures than there might have been.

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In some cases, this may mean losing a bit of principal if investors haven't incurred enough interest to cover a CD's early-withdrawal penalty, notes Greg McBride, senior financial analyst at Bankrate.com.

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"You have almost a perfect storm, in the sense that tougher underwriting guidelines resulting from the housing bust are coming around the same time that a lot of business owners have posted their worst years on record, " says Greg McBride, senior financial analyst for Bankrate.com.

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Banks are marketing either a program where overdraft transactions are covered for a fee or one that allows you to link a checking account to a savings account, line of credit or credit card so if you overdraw funds are transferred in as needed, says Greg McBride, a senior financial analyst at Bankrate.com.

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