Only one in four Poles is satisfied with their finances. It's worse than last year

In a study conducted in the summer months, as many as 68 percent Poles admitted that their income had not changed in the last six months. However, this does not equate to a sense of financial security.

Saving at a lower level

As much as 76 percent people declared that they are trying to save money, but it is not always an easy task.

It can be seen that more and more Poles collect only small amounts - as much as 32%. less than 5% of savers spend on this purpose. monthly income - comment the authors of the study.

Moreover, as many as 28 percent respondents admit that their savings have decreased this year. Most often, the culprit was unplanned expenses or the need to use a financial cushion for current needs.

Investing? Poles are still cautious

The report shows that most Poles approach the issue of investing very carefully. More than half of the respondents believe that investing requires specialized knowledge, and only 11 percent assesses his investment competences well.

The main motivation for saving and investing remains securing the future and protecting funds against inflation. A small group of Poles are already looking for quick profits.

Interestingly, when investing funds, safety counts more than potential high profits. Only a few study participants declared their willingness to take greater risk for a higher rate of return.

Financial competences under the microscope

Poles are not entirely satisfied with their financial management skills. 48 percent respondents would like to manage their money better. 42 percent rated their skills as average, and only 20 percent does not experience any shortcomings in terms of personal finances.

The "Poles' Finances 2026" study was conducted using the CAWI method on the Nationwide Ariadna Panel among 1,050 people over 18 years of age. This is the fifth edition of this project - and the latest results clearly show that caution, the need for security and everyday financial choices are the everyday life of most Poles today.