Marta Musiał


This article describes the state of household finance management in Poland. The analysis consists of three basic elements of household finance, such as income and expenditure of Polish households, savings and investments of Polish households, and Polish households debt. The presented data represent the time period from 2004 to 2013. The data came from reports of National Central Bank in Poland and Central Statistical Office in Poland. Based on the presented data, it can be said that the situation of Polish household has improved during the analyzed period. Moreover, Polish household characterized risk aversion decision by saving their money mostly in the form of bank deposit or cash.


personal finance, household finance, savings, credits

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