Over 46 percent Poles believe in improving finances. Is it planning to save?

The international report based on the study of consumer opinions conducted by UCE Research and Shopfully shows that 46.7 percent Poles believe in improving their purchasing power compared to last year, although at the same time he plans to still save. This is the second highest indication among the surveyed countries – only Austrians are ahead of us (46.9 percent). In Poland, this attitude is most often declared by people earning between 5000 and 6999 PLN net per month. In turn, 17.9 percent Poles not only believe in improving their financial situation, but also plans to increase expenses – in this respect Poland ranks first in the ranking. People with income exceeding PLN 9,000 net show the greatest optimism.

Poles save despite the hope of improving the situation

On the other hand, 35.4 percent Polish consumers do not expect to improve their financial situation in 2025. Compared to other European countries, this is a relatively low result – for example, as much as 71.1 percent. The French do not believe in improving their purchasing power. In Poland, a pessimistic attitude dominates among people earning from 1000 to 2999 PLN net. According to the authors of the report, despite the noticeable improvement in the financial situation of part of society, consumer behavior remain cautious, which may be the result of a fixed habit of saving from the period of high inflation.

– The results of the survey coincide with what the Central Statistical Office recently publishes. In addition, various other market research shows that consumers do not believe in improving the economic situation in the country. Although inflation is already smaller, Poles still do not feel safe – says Robert Biegaj, a retail market expert, as well as a co -author of the Shopfully report.

In his opinion, the main reason is that prices in stores do not really want to fall.

– Yes, recently the dynamics of their growth slightly slowed down, but this did not make it cheaper on the shelves. In my opinion, this is the main reason that Poles’ attitudes are still conservative – notes the expert.

Poles and Austrians are the most optimistic in Europe

Uce Research analyzes show that, like Poles, Austrians think – 46.9 percent. Italians came further in the ranking with a result of 39.9 percent, Romania – 37.3 percent, Bulgarians – 36.3 percent, as well as Spaniards – 35.5 percent. The next places were taken by the Germans – 33.5 percent and Hungarians – 31.3 percent The statement is closed by the French, among which only 25.2 percent. He believes in improving his purchasing power.

– You can see that we are in second place in the ranking, just behind the Austrians. Therefore, it must be admitted that our consumer optimism is really high against the background of Europe – adds Robert Biegaj.

Who in Poland believes in improvement, but still saves?

Among Poles who believe in improving their purchasing power, but they still plan to save, people aged 18-24 dominate – in this group this attitude is declared by 60.4 percent. Most often they are people with a monthly net income of PLN 5000–6999 (51.5 percent), living in cities with PLN 200,000. up to 499 thousand residents (50.9 percent). Considering the professional status (divided into eight groups), most often such an opinion is expressed by students – as much as 69 percent. of them shares this belief.

– In my opinion, young people, especially studying or learning, can save more, because they usually have ambitious plans for the future. For example, they want to postpone money for an apartment, car or vacation. Income between 5 and 7 thousand PLN on hand they already give such a space, although they do not create too much comfort – believes the co -author of the report.

Saving more frequent among seniors from small towns

The study shows that 35.4 percent Poles do not believe in improving their financial situation. This skepticism mainly applies to people aged 65–74 (56.2 percent), with a net income PLN 1000–2999 (49.4 percent), residents of small towns (5–19 thousand population – 39.5 percent) and pensioners (57.1 percent). Experts indicate that the reason may be a low level of benefits and their poor valorisation, as well as a lack of a noticeable drop in prices. More pessimists than in Poland are, among others in France (71.1 percent), Hungary (64.3 percent) and Germany (62.7 percent). In turn, 17.9 percent Poles believe in improving purchasing power and plan to increase expenses – this is the highest result in Europe. Such optimism is most often demonstrated by people aged 18-24 (30.8 percent), with income above PLN 9,000 net (37.9 percent), residents of medium -sized cities (100–199 thousand inhabitants – 23.5 percent) and people on holidays related to childcare (33.3 percent).

– Young people, as a rule, can afford to loosen expenses more, because they have less financial liabilities, including credit. They may not have a support family yet. Especially if they earn above the national average and live in large cities, in principle they have greater earning opportunities than their peers in small towns. And this is what our report shows well – sums up Robert Biegaj from Shopfully.