Zmienność stopy oszczędzania polskich gospodarstw domowych

The paper examines the relationship between the socioeconomic status and age of savers and saving rates. The analysis is based on the results of two empirical studies carried out in 2004 and 2006 by direct interview method on random samples of 1,305 and 1,320 households respectively. The results of the studies show that the socioeconomic status of savers is a major factor that influences private saving rates. Rószkiewicz has discovered two conflicting trends. In one trend, households with a relatively low socioeconomic status tend to become increasingly big spenders with age. The trend is the stronger the lower is the status of the household head. In another trend, households with a relatively high social status tend to limit consumption with time. This trend increases with the socioeconomic status of the household head.