As 2025 approaches, a Bankrate survey reveals that 44% of Americans expect their financial situation to improve, a 7-point increase from last year. Key factors for optimism include reduced inflation (36%), rising income, and less debt. However, 33% foresee no change, and nearly 25% anticipate worsening finances, primarily due to inflation and stagnant income. About 21% aim to reduce debt in the coming year, amidst a collective household debt of $17.94 trillion.  --------------------------- ​ As the new year approaches, more Americans have a brighter outlook for the state of their personal finances in 2025, a recent survey indicated.  Bankrate said…