Regularities that are postulated by the behavioural theory of finance have been tested on the sample of households in Poland. The obtained results, to a great extent, corroborate that the financial behaviour model is followed in the activities of households in Poland. Income appeared to be the main determinant that differentiates the propensity to save and the types of financial behaviour patterns. Important role of psychological conditionings was revealed. Some dissimilarities, having their roots in considerable dispersion of incomes, especially differences in incomes that occur among the early and the more advanced phases of family life, were also identified.
Financed by the National Centre for Research and Development under grant No. SP/I/1/77065/10 by the strategic scientific research and experimental development program:
SYNAT - “Interdisciplinary System for Interactive Scientific and Scientific-Technical Information”.