Despite some concerns, America’s seniors are becoming more confident in their finances, according to the 2014 United States of Aging Survey released Tuesday.

Sixty-nine percent of those 60 and over find it easy to pay monthly bills, compared to 64 percent in 2012, the first year the survey was taken. The 2014 survey included 3,279 American adults. The survey was conducted by the National Council on Aging, USA Today, the National Association of Area Agencies on Aging and UnitedHealthcare.

The survey also found a decrease in the number of those 60 years of age and older who are concerned their savings and income will not be enough to support their retirement to 49 percent, a 4 percentage point drop from last year.

Although finances are often a focus during retirement years, only 5 percent say being financially secure is the key to keeping a positive outlook on life, the survey says. The top three factors contributing to a positive outlook are faith or spirituality (25 percent), a loving family (15 percent) and keeping a positive attitude (14 percent).

The survey also asked about other issues, such as the amount of support their communities provide and end-of-life issues.

More than half of seniors (54 percent) feel their community is doing enough to prepare for the needs of a growing senior population. The top services seniors say they need are home maintenance, transportation and long-term care.

Although 85 percent of seniors feel confident they are prepared for changes in their health, the top three worries about aging are that they will not be able to take care of themselves, that they will lose their memories and that they will be a burden to others.

Socially isolated seniors, defined in the survey as those who both live alone and express feelings of loneliness, face added problems, says the survey. They are more likely to say their lives will get worse over the next five to 10 years (30 percent versus 21 percent of all seniors). They also are more concerned about needing help from community programs (36 percent versus 26 percent) and are more likely to express concern about being able to age in place (52 percent versus 29 percent).

“These findings reinforce the crucial role community-based programs and services play in supporting the needs of older Americans, and opportunities to further assist vulnerable groups through meaningful relationships and social connections that can help keep them healthy and happy,” says Sandy Markwood, CEO of the National Association of Area Agencies on Aging.