Lingering cash and debt management challenges continue to dilute employee confidence and overall financial wellness.

Forty-nine percent of working American adults find it difficult to meet their household expenses on time, according to PwC U.S.'s 2011 Financial Wellness Survey. This is up from 43 percent in 2010. Among those earning $100,000 or more annually, 36 percent still say meeting their household expenses is a challenge.

Additionally, 24 percent of employees said they used credit cards to buy monthly necessities because they couldn't afford them otherwise, representing a nine percentage point increase from 2010. For those earning $100,000 or more annually, that number jumps to 34 percent. Half (50 percent) of survey respondents consistently carry balances on credit cards, and 42 percent of respondents find it difficult to make minimum credit card payments on time (a 14 percentage point jump from 2010′s 28 percent).