Financial Awareness in Everyday Life Due to the Pandemic, Based on the Results of a Hungarian Questionnaire Survey

Abstract

The 2008 crisis has taught us a lot in many areas. We have realised the importance of making informed choices in all areas of life, including finance. The importance of financial literacy has been brought into sharp focus as a result of these events, which have highlighted the gaps and knowledge disadvantages that could have prevented the events and disadvantages that most of society suffered as a result of the crisis. However, in many countries, financial awareness is still conceptual, much discussed, researched and studied, but in many cases no real change is visible or tangible. In many cases, awareness programmes and initiatives are still in an experimental phase and are not yet integrated into the day-to-day management of problems. In our study, we aim to demonstrate the practical importance of financial literacy, awareness and culture in everyday life, based on the results of a primary research study conducted in Hungary after the pandemic outbreak, interviewing more than 6800 participants. In the course of this work, we wanted to find out to what extent respondents' participation in preventive financial education influenced their perceptions of the statements on each topic. In addition to the basic statistics, we used cross-tabulation analyses and adjusted standardised residuals to identify correlations.

A pénzügyi tudatosság és a generációs hovatartozás hatása a magyarok megtakarításképzésére

“…Az alacsony szintű pénzügyi műveltség sok esetben deklarálja a jövőbeli pénzügyi nehézségeket, éppen a megtakarítások elmaradása miatt (Gathergood, 2012, Tóth et al, 2022a, 2022b, 2023a. Pénzügyi műveltség hiányában az elmaradó pénzügyi tervezés, a jövő tudatos tervezése a megtakarításképzés elmaradásához vezethet, mely kiszolgáltatottá teszi az egyéneket a váratlan helyzetekkel szemben (Hilgert et al, 2003;Csiszárik-Kocsir -Varga, 2022;. A kérdés vizsgálata során fontos megemlíteni a pénzügyi önhatékonyság fogalmát is, ami nem más, mint az egyének pénzzel való gazdálkodásának a képessége (Lapp, 2010).…”