Nearly half of Poles characterize their household financial management as living at an average level, i.e. they have enough for their daily needs but must save for larger purchases (49%). Nearly two-fifths say that they live well or very well, i.e. they have enough for many things without special saving (32%) or can afford some luxury (7%). One-ninth live modestly: they manage their money very frugally on a daily basis (11%), and very few claim to live in severe poverty, meaning they do not have enough for basic needs (1%).

Which of the following descriptions best characterizes your financial situation?

Compared to last year, which was a record for positive assessments, the proportion of satisfied individuals has slightly increased and is currently at the highest level in the history of our research. In particular, the percentage of respondents who believe they can afford some luxury has reached its highest, previously unrecorded value. During the period preceding the COVID-19 pandemic, assessments of the standard of living improved. The pandemic and high inflation contributed to the reversal of this trend, and between 2020 and 2023, assessments worsened. Since 2024, however, we have noted an increase in the percentage of respondents declaring that they live well or very well.

Which of the following descriptions best characterizes your financial situation?

Currently, nearly a quarter of respondents fear poverty (23%), including 19% who, despite their fears, believe they will manage somehow, and 4% who feel helpless. The remaining respondents are not afraid, with two-fifths (40%) fearing a deterioration in their material situation, and one-third (34%) being completely calm about their financial future.

Which of the following statements best describes your household's current financial situation?

Compared to the previous year, the proportion of those completely calm about their finances increased from 30% to 34%, whereas the level of fear of poverty changed only slightly (23% currently compared to 24% previously). The highest fears in the last decade were recorded during the high inflation period in March 2023. In the following two years, when inflation was significantly lower, these worries decreased. The lowest level of fear was recorded in 2019. It was lowest not only when considering the last decade, but also since 1997, when we began monitoring this issue. Then was also the highest percentage of complete calm about financial future.

Which of the following statements best describes your household's current financial situation?