One in five people who take out a loan do so to pay bills (electricity, gas, rent). We also use additional financing for everyday unexpected expenses, such as repairing a car, washing machine or fridge, among others, according to an Ipsos survey commissioned by Wonga.
We also borrow money to put up with seasonal purchases (school layette or buying clothes). Meanwhile, when in financial trouble, many bury their heads in the sand and do nothing to resolve it, which usually ends up with a debt collector.
In order to avoid having to resort to credit when unexpected expenses arise, it is worth taking care of your financial cushion and putting aside even small amounts every month.
Unfortunately, Poles definitely prefer 'living on credit'. However, some debts are particularly sensitive for them, others not at all. And so: maintenance debt is a source of embarrassment for almost 47 per cent of people, while mortgages are the most readily accepted. As many as 46 per cent of Poles have no problem talking about them with friends, according to a survey by law firm PMR Restructuring.
Which debts, on the other hand, do we prefer not to admit to our friends? The aforementioned maintenance debts break records. Non-payment of child maintenance is a serious problem among Poles. Data from the Ministry of Justice are alarming - as many as 80 per cent of people who have been ordered to pay maintenance are in breach of this obligation.
Another reason for shame is using a pawn shop and taking out a loan against collateral. We are embarrassed by payday loans, delays in household payments. We are definitely less ashamed of arrears in ZUS and tax office.
26 June 2017:
" Borrowing? Then you have to give it back!
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