Poczucie bezpieczeństwa czy zachcianki – na co oszczędzają Polacy?

  • 63 proc. Polaków deklaruje, że posiada oszczędności, a ich wysokość jest zwykle mniejsza niż półroczne dochody – tak wynika z badań przeprowadzonych na potrzeby Konferencji Nienieodpowiedzialni.
  • Dla większości osób motywacją do odkładania pieniędzy jest raczej poczucie bezpieczeństwa niż spełnianie marzeń czy zachcianek zakupowych.
  • Aż 1/5 z nas przyznaje, że nie potrafi oszczędzać, tyle samo z tego rezygnuje, ponieważ czerpie radość z wydawania pieniędzy.

Styczeń to dla większości czas podsumowań, postanowień noworocznych, ale i planowania budżetu na kolejne miesiące. Początek roku jest więc dobrym momentem, aby zdecydować, co zrobić z ewentualnymi wolnymi środkami, jakie pozostały nam z poprzedniego roku lub jakie podjąć działania, żeby kolejny rok zakończyć „nad kreską”. Dla większości Polaków posiadanie oszczędności jest bowiem bardzo ważne, aby czuć się bezpiecznie.

Tylko nieco ponad połowa Polaków lubi oszczędzać

Z badania „Chciwy, zachłanny czy zagubiony” przeprowadzonego na potrzeby Konferencji Nienieodpowiedzialni przez butik badawczy Maison&Partners wynika, że tylko 57 proc. Polaków lubi regularnie odkładać pieniądze, a 63 proc. posiada jakiekolwiek wolne środki- tak przynajmniej można wywnioskować z naszych deklaracji. Dla większości (21 proc.) są to oszczędności w wysokości trzymiesięcznych dochodów, a tylko 17 proc. badanych deklaruje posiadanie odłożonych pieniędzy w wysokości przekraczającej półroczne zarobki. 14 proc. posiada fundusze nie większe niż miesięczny dochód.

Dla niektórych osób możliwość oszczędzania jest wciąż luksusem, na który nie może sobie pozwolić. Jednak z badania wynika, że dla części z nas problemem nie jest sama możliwość odkładania środków, ale stosunek do tego. 20 proc. respondentów odpowiedziało np., że wydawanie pieniędzy sprawia im radość, dlatego nie chcą ich gromadzić. Są to jednak przede wszystkim osoby o wysokim stopniu materializmu. Tacy ludzie z reguły rzadziej oszczędzają pieniądze, mają też większą skłonność do zadłużania się. Nie zmienia to faktu, że potrzeba większego nacisku na edukację Polaków w kwestii oszczędzania i inwestowania pieniędzy. Z badania wynika bowiem, że nadal mamy niewystarczającą wiedzę na temat inwestycji i podchodzimy do nich raczej niechętnie – jedynie 15 proc. respondentów ulokowałoby wolne środki na lokacie, w akcjach czy obligacjach – mówi Magdalena Mitraszewska z ANG Spółdzielni – pomysłodawcy projektu Nienieodpowiedzialni.

Wydawanie pieniędzy powoduje u nas poczucie winy, a oszczędzamy „na wszelki wypadek”

Na pytanie, na co najczęściej odkładamy pieniądze, 41 proc. respondentów odpowiedziało, że „na wszelki wypadek/na zapas”. Wynika to z faktu, że dla ponad połowy z nas główną zaletą oszczędzania jest większe poczucie bezpieczeństwa. Znacznie mniej osób wskazywało na inne cele – na drugim miejscu znalazła się realizacja własnych marzeń (16 proc.), dalej podróże (15 proc.), remont mieszkania czy zakup samochodu (po 11 proc.). Co ciekawe, aż u 30 proc. respondentów wydawanie wolnych środków wywołuje poczucie winy. Z drugiej strony 1/5 badanych przyznała, że nie potrafi odkładać, a wszystkie pieniądze im się „rozchodzą”.

Z badania płynie także inny, ciekawy wniosek. Deklarujemy, że cele niematerialistyczne – mądrość, życie w zgodzie z naturą, szacunek innych osób mają dla nas większe znaczenie niż cele materialistyczne, np. sukces finansowy czy posiadanie wielu drogich rzeczy. Jednak nie zawsze przekłada się to na nasze czyny. Choć 56 proc. respondentów mówiło o konieczności pomocy innym, tylko 24 proc. z nich faktycznie to robiło, np. w ramach wolontariatu. Życzę sobie i wszystkim, żeby w tym roku nasze deklaracje miały odzwierciedlenie w czynach – niech to będzie pierwsze postanowienie noworoczne – dodaje Magdalena Mitraszewska.

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