Poles without a plan in case of a financial crisis. What is the hardest thing to give up?

69% of people do not have an emergency plan in case of a sudden financial crisis. Poles – according to a study by Santander Consumer Bank. 6% of respondents have a clearly defined schedule for cutting expenses in such a situation, and 22% of them have has prepared a partial list of potential savings.

In the opinion of the study's authors, these results suggest that most households experience an actual financial collapse would have to make decisions under time pressure, instead of implementing a previously established strategy.

The respondents were also asked what approach they would take when faced with problems with the household budget. Most people (35%) would buy better quality products, but less often. In turn, 30 percent would choose cheaper alternatives, and 29 percent would reach for second-hand items. Women (43%) and seniors (48%) are the most likely to limit their purchases while maintaining their standard. Men (35%) and young adults aged 18-29 (38%) are more likely to look for savings on the secondary market.

Moreover, among people who assess their financial condition as bad, the strategy of limiting purchases while maintaining quality dominates (61%), and people who declare a definitely good financial situation most often indicate the choice of cheaper substitutes (49%).

When asked what expenses it would be most difficult for them to give up, respondents most often mentioned preventive health care (21%). Another 19 percent wouldn't give up from your own means of transport17 percent he won't give up holidays and relaxationand 12 percent – internet access. Women protect their health budget the most – 24%. of them declare that it is prevention that they would be least willing to give up, while men find it most difficult to give up holidays (20%).

At the same time, people who assess their financial situation as bad or very bad are the most protective of spending on holidays – such a declaration was made by 45%. this group. “A similar approach, although on a smaller scale (21%), is presented by people who believe that their budget is at an average level. With the improvement of their financial status, the focus shifts towards mobility – own means of transport is the most important for people whose situation is 'rather good'. However, those who are definitely the best off go back to the basics and point to health prevention as an area in which they do not accept compromises,” added the authors of the publication.

The study was carried out by the Institute of Market and Social Research (IBRiS) on January 4-12, 2026 on a group of 1,000 adults. (PAP)

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