We can afford to save

[shukla7789]

=Despite the high awareness of the need to save, only a few of us follow up our declarations with actions. The majority of society openly admits that they do not save. Do you want to know what is the biggest barrier that separates us from increasing our savings? You must read it! TNS Polska recently conducted a study commissioned by PKO Bank Polski. Poles were asked about their approach to saving.

The results may be interesting , because on the one hand we know that regular saving ensures peace and security (this was the answer given by nine out of ten Poles surveyed), however, only one in five Poles admitted to systematically putting money aside. Unfortunately, even in this case the level of savings is low. What are the reasons for this? I will try to briefly present the conclusions of this report. Before we start, check out the commentary of Dr. Marcin Idzik from TNS Polska on the conducted study.

Saving is a reason to be proud
money-loanEach of us is aware that saving money guarantees us a sense of security even in difficult moments of our lives. It is thanks to savings that we can develop ourselves and enable our ecuador whatsapp database to do the same. What's more! We can realize our next life dreams. Over 88% of people in the study conducted by PKO agreed with this approach. For many of them, saving is a reason to be proud. That is why I am surprised that so many people look for excuses to justify the lack of savings.

Denying yourself is frowned upon
On the other hand, when we hear the word saving and managing household finances, many of us feel our hair stand on end. As it turns out, for many Poles, saving is also associated with fears, worries, and even terror. Only two in ten Poles surveyed try to save systematically. The amounts of savings are also not impressive. Every third respondent saves no more than PLN 100 per month, and every fourth from PLN 100 to 200. Women in particular have a problem with rational management of funds. Many of them fall for advertising tricks and trends created by salespeople. Claiming that they need another handbag, a pair of shoes, or a set of cosmetics.

Excuses of those who can't save
credit and debit payment cards
Photo: pixabay.com

What are the most common excuses? “I can barely make it from paycheck to paycheck,” “I spend everything on current needs,” “I usually spend all my money on current needs, but every now and then I manage to save something.”

Sound familiar? One of the key obstacles that prevents them from saving regularly is the lack of knowledge on how to do it. When we combine the feeling of fear and terror with the lack of knowledge, the real reason for the resistance to saving comes out. We are afraid of the unknown. Saving is like the knowledge of a shaman who scared people that on his command the Sun would go out As the results of the study show, almost half of Poles have money they could save at the end of the month, but only 18% of people put money aside. So it is not true that we do not have anything to save, we just do not know how.