Saving is the weak point in the financial wellbeing of Australian households, with almost one-third of householders saying they are "uncomfortable" with their level of savings.According to the latest ING Direct Financial Wellbeing Index, people are taking steps to fix the problem. Thirty-two per cent of households have set a target to increase personal savings in the year ahead.Based on online responses from 1016 households, early in January, ING Direct found that younger Australians are the keenest savers, with 39 per cent of people aged 18 to 34 aiming to build savings.When asked how much they planned to save, more than half said they were targeting a nest egg worth at least three months' salary.The most common reason given for wanting to save more was simply to have a savings buffer. Other commonly cited reasons for saving included concern about the economy and job security. A large number of people said they were saving more because they had paid off debt and could afford to put more into their savings.Respondents' comfort level about saving has declined from the previous survey. However, Australians are increasingly comfortable with the level of their mortgages and other long-term debt.