More than 37 percent of Americans say their biggest financial resolution for 2015 is saving money1, but nearly a quarter are nowhere near confident they'll hit that goal, a new GOBankingRates poll found. The study asked consumers for their No. 1 short-term and long-term savings goals, their biggest obstacles to meeting them, their confidence in achieving success, and what they will do differently in 2015 to save money.

• Building an emergency fund is the No. 1 short-term goal for Americans, while saving for retirement topped the list of long-term goals. 
• Almost 77 percent expect to face obstacles to their goals, the biggest being insufficient income (selected by roughly two in five respondents). 
• Nearly 24 percent said they are "extremely confident" they will meet their savings goals this year, with another 54 percent saying they are "somewhat confident."

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"Most Americans want to be better at saving money – they just don't know how to do that. Especially for those who think they don't make enough money to save, setting aside some funds each month, no matter how important, can seem impossible," said Casey Bond, GOBankingRates' managing editor. "That's the kind of mental block that can derail your resolution, though; everyone can save at least 1 percent, as long as they budget carefully, spend intentionally and take advantage of financial tools."

Additional findings:

• Gender divide: Women were more likely than men to list insufficient income and unemployment as their biggest obstacles to saving in 2015, while men were more likely to report poor money management. 
• Millennials: In terms of long-term savings goals, 18- to 24-year-olds are most likely to be saving for a family and least likely to be saving for retirement or an emergency fund. 
• Baby boomers: Respondents age 45 and up named saving for retirement and retirement health care costs as their top long-term savings goals.