The article discusses the issue of individual savings which is of vital importance for the economy of every modern country. First, the factors determining decisions made by households as regards spending and saving are described. The focus is on factors that were included in the most popular models and theories. Then, the article concentrates on situation of Polish households from the beginning of transformation till present. Next, Polish households' financial potential in terms of saving is analysed with account taken of regional diversity and different types of households. Finally, the article addresses the prospects of Polish savings market.

Keywords: savings, saving, income, households, consumption.

  Ewa Wójcik, Polish Households on Savings Market - plik pdf; (226 KB)