An annual survey by American Express — the “Spending & Saving Tracker” — found that about 10% of Americans (23 million people) are planning to move in 2012. And about 44% of those (10 million) plan to buy a home.

Meanwhile, most homeowners (70%) are planning some sort of home-improvement project. No word on how many of those are realistic, and how many are “teach myself woodworking to build a new deck by myself.”

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