The majority, however, will remain at home, because although we like to travel, unfortunately we do not have is enough money – according to a survey BIK and BIG InfoMonitor.
Domator or globetrotter? Polak far sooner identify with the traveler than sitting in slippers homebody. Let him only enough money and companionship. In the survey of the Institute ARC Market and Opinion made on behalf of the Credit Information Bureau and the Bureau of Economic Information InfoMonitor * people who do not move out of the house they do so mainly because they can not afford it. To the question: “Why do not you leave on trips Rest?” Only 6 percent. said that because he does not like to travel, and 61 per cent. answered that it is too expensive. For 13 percent. or what eighth respondent major reason was the lack of companionship. On the other hand, every tenth respondent could not leave the house, because eg. Someone to care.
The most important are the holidays
The fact that not enough money to travel causes the iron point in the family budget are mainly holiday trips, short and multi-day trips though cheaper, as less important are placed in the plans less frequently. Last year, on the long holiday away it was two-thirds, while at least one extended weekend failed to elect half of the respondents.
In this year’s exit plans, which already has more than half of Poles (52 percent). – 82 percent. It is inscribed in the calendar of a long holiday trip, and the third – a picnic – gives the study Institute ARC Market and Opinion. The aim of choosing the next long weekend outside the house are primarily other localities in the country, but 16 percent. Polish men and women it happens sometimes on a short trip to travel abroad.
Prolonged weekend – best to have in May
Thanks to the long the weekend – May is the undisputed leader among the 12 months of the year, when it comes to popular 3-4 day trips – according to a survey.
It is in the coming month, most people outside of the basic leave willingly leave for a few days, he realizes his holiday plans. After May, the second month of popularity for multi-day trips is June. Less frequently, but there are still such trips in July, August and September. The proponents of short trips in the winter or even the fall of a few. To want us to move out of the house must be just warm. Trip, although short, requires a financial outlay. How to estimate the Poles on average 3-4 day break must have 506 zł.
Travel is not a reason to borrow money
What if the desire to leave and the money is not there? As much as 44 percent. of us believe that traveling and rest is not wystraczający reason to borrow money and if you do not have sufficient resources to finance the trip, then you should stay at home. 15 percent. It is of the view that if it is necessary, at the most you can borrow money from relatives and 18 percent. It allowed to borrow both from close and from financial institutions. Declarations confirm the experience of the respondents. Although according to statistics BIK current credit pays half of adult Poles, only every fourth person surveyed in the past happened to borrow money for a holiday.
Such restraint in incurring liabilities for the purpose of financing the relaxation may be the result of a careful and rational attitude of a large part of Poles, manifested a responsible management of the household budget. We support the loans only when it is relevant to the development of their own (eg. Education) due to sudden random events (eg. Disease), or on the occasion of the renovation of the property. Such behavior means that the financing of pleasure, which undoubtedly are the weekend trips or holidays, we realize the extent to so allow our savings. Moreover, as Prof. added. Waldemar Rogowski, principal analyst at Credit Credit Information Bureau – It is not easy to decide to finance new loan departure of the holiday when Poles now have to repay 134 billion of loans and consumer loans and 394 billion in mortgage loans. In the first months of 2016. Maintained the trend observed for several years – the number of borrowing low-fixed rate (up to 4 thousand. Zł). The quality of these loans is a good and stable – said prof. Rogowski.
The insurance extravagance
Picnic, although associated nicely, does not always have to be associated with positive memories. One in 85 respondents (1.2 percent). Even multi-day journeys could plunge into financial problems. Grounds? Probably laid-back approach to spending, or lack of appropriate insurance.
Travel insurance policies purchased are extremely rare. Doing less than half countrymen. Always Insurance buys only 15 percent. of respondents, but only for longer trips 33 percent. respondents. We should also be aware that the trip is a risk not only for people going on a journey, but also devoid of theft and car assistance, if the need to get to the end, and in the apartment or house, which remain unattended. And even if it will not be robbed, it can always happen to spill or other accident random.
– Different types of accidents is one of the reasons that may trigger a cascade of financial troubles – warns Mariusz Hildebrand, vice BIG InfoMonitor. Often the first result of the loss of liquidity which occurs as a result of unforeseen events to translate everyday payments. Meanwhile, waiting for the money for the bill for electricity, gas, telephone or apartment can not demonstrate understanding of the situation and after 60 days from the date of payment will benefit from an entry in the Register of Debtors BIG InfoMonitor. – And this brings with it certain consequences. When you see the need to go shopping on the installment plan, the desire to have a credit card or other loan, loans, phone or tablet with subscription then it turns out that the implementation of the plan has no chance. With Registry using, amongst others, banks, loan companies, telecoms or cable television operators here and check the reliability of a potential customer – explains Mariusz Hildebrand.
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