Bankrate.com's November Financial Security Index poll, which was released today, revealed a broad spectrum of weak economic data. The overall index fell to its second-lowest level of the year, feelings of job security hit a new low and Americans planning to spend less this holiday season outnumbered Americans planning to spend more by a ratio of greater than four to one.

Forty-two percent of Americans intend to spend less this holiday season compared to what they spent last year, including 49% of parents. Just 10% of Americans plan to spend more than last year.

"Throughout 2011, we have observed that consumers are worried about their savings, job security, debt and net worth, and that trend has accelerated during the second half of the year," said Greg McBride, CFA, senior financial analyst for Bankrate.com. "While consumers indicate a reluctance to spend more this holiday season, there is a notorious disconnect between how consumers feel and how consumers act, particularly regarding spending."

Only 13% of Americans feel more secure in their jobs now than one year ago. This helped drag down the overall Financial Security Index to 92.5, narrowly above the 2011 low of 92.3 which was recorded in August. Any reading below 100 indicates decreasing levels of financial security compared to 12 months earlier.

Aided by October's stock market rally, the percentage of Americans reporting higher net worth than one year ago rebounded slightly in November. Twenty-one percent of Americans reported higher net worth than one year ago, up from 19% last month, while 27% said their net worth is now lower, down from 30% in October's poll.

Feelings on both savings and debt were largely unchanged from October, with only 11% of Americans more comfortable with their savings and 20% more comfortable with their debt relative to one year ago.