Nadwyżka dochodów rozporządzalnych nad wydatkami a subiektywna ocena sytuacji materialnej gospodarstw domowych w Polsce
Surplus of Households’ Available Income per capita over Expenditures Compared with the Subject Evaluation of Financial Situation of Households in Poland

Summary/Abstract: The aim of this paper is to show the correlation between the surplus of household's availableincome per capita over expenditures compared with the subjective assessment of household’sfinancial standing in Poland. Additionally, the diversification of real income, real expenses andsurplus of the said variables at households from certain socio-economic groups in Poland wasshown. Additionally, to evaluate subjective assessment of financial statement of households, theindex of subjective assessment of financial standing was constructed. The data on household’sbudgets obtained regularly by GUS was applied to carry out this study. The study was carried outfrom 2003 to 2013. The data shown there is a significant correlation between household’s ownassessment of financial standing and surplus of income over expenditures (correlation coefficientin 2003 was 0.778 and in 2013 it was 0.862) as well as strong correlation (correlation coefficientwas 0.925) between the changes in household’s own assessment of financial standing and changing surplus. Additionally, it was determined that the highest surplus of income was not producedby households with the highest income. In 2003, the highest surplus was produced by white- andblue-collar workers, while in 2013 by farmers and white-collar workers. The most considerablechanges within the time of study occurred in farmers’ households. Although the surplus of realincome over eexpenditures was increasing within the time of study, it was noticed that from 2010on the subjective assessment of financial standing was decreasing in the households of workers(both blue- and white-collar) and those self-employed.

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