economic and sociodemographic characteristics in predicting applications for credit and the size of debt. The paper uses … microdata from the Estonian Household Finance and Consumption Survey (HFCS) and estimates probit and Heckman models. My analysis … larger. The variables describing the household's expectations for its future financial situation are on their own related to …

expenditure (including food expenditure) on an all-Poland scale. It compares selected relations of these categories and indicates … the economic health of the households in different regions of Poland. It has been assumed, as a point of reference, that … polarisation of the analysed variables is dependent on the geographical area of residence. The data from the research on household …