4:43 17 July 2025
Most Poles live month-to-month
https://www.pb.pl/niemal-polowa-polakow-zarabia-tylko-na-miesieczne-utrzymanie-oszczednosci-w-zasiegu-25-proc-1245199Nearly half of adult Poles earn just enough to cover monthly living costs, with only 25% managing to save regularly, according to Santander Consumer Bank’s latest report, Poles’ Own Wallet: Frugal Like a Pole. While 49% break even each month, 17% sometimes run out of money, and 5% must borrow or dip into reserves.
“The biggest challenge isn’t a lack of awareness, but limited income,” said Mariola Kondek-Pasztetnik, Sales Development Manager at Santander Consumer Bank. Seniors are most likely to spend their full income on essentials, while 22% of those in their twenties run short monthly. Those in their forties are most likely to save (34%), thanks to career and salary growth.
The study also found that 61% of respondents are financially self-sufficient, with seniors leading (88%). However, 20% sometimes rely on family—especially those under 30—and 7% borrow regularly. The survey covered 1,000 adults in April 2025.
