{"id":5068,"date":"2024-08-15T06:25:50","date_gmt":"2024-08-15T04:25:50","guid":{"rendered":"https:\/\/www.stiftungfuerzukunftsfragen.de\/?p=5068"},"modified":"2026-07-21T19:03:32","modified_gmt":"2026-07-21T17:03:32","slug":"where-germans-save-when-money-gets-tight","status":"publish","type":"post","link":"https:\/\/www.stiftungfuerzukunftsfragen.de\/en\/wo-die-deutschen-sparen-wenn-das-geld-knapp-wird\/","title":{"rendered":"Where Germans save when money is tight"},"content":{"rendered":"<figure class=\"sfz-chart\" id=\"chart-sparen-wenn-das-geld-knapp-ist-1hnq41o9oz37p23\"><p class=\"sfz-chart-title\">Piggy bank full of schnitzel<\/p><p class=\"sfz-chart-subtitle\">Of every 100 respondents, the following areas would be most likely to cut back if money became tight:<\/p><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 1100 1072\" role=\"img\" aria-label=\"Piggy bank full of schnitzel\">\n<circle cx=\"269\" cy=\"12\" r=\"9\" fill=\"#AFCA0B\"\/>\n<text x=\"286\" y=\"18\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"18\" fill=\"#0E2B63\" text-anchor=\"start\" font-weight=\"500\">2024<\/text>\n<circle cx=\"351\" cy=\"12\" r=\"9\" fill=\"#004F9F\"\/>\n<text x=\"368\" y=\"18\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"18\" fill=\"#0E2B63\" text-anchor=\"start\" font-weight=\"500\">2014<\/text>\n<text x=\"246\" y=\"65\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"19\" fill=\"#0E2B63\" text-anchor=\"end\" font-weight=\"500\">Going out (e.g.<\/text>\n<text x=\"246\" y=\"87\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"19\" fill=\"#0E2B63\" text-anchor=\"end\" font-weight=\"500\">Restaurant, theater,<\/text>\n<text x=\"246\" y=\"109\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"19\" fill=\"#0E2B63\" text-anchor=\"end\" font-weight=\"500\">pub, cinema)<\/text>\n<rect x=\"260\" y=\"44\" width=\"734\" height=\"32\" fill=\"#AFCA0B\"\/>\n<text x=\"270\" y=\"66\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"17\" fill=\"#0E2B63\" text-anchor=\"start\" font-weight=\"600\">65<\/text>\n<rect x=\"260\" y=\"82\" width=\"790\" height=\"32\" fill=\"#004F9F\"\/>\n<text x=\"270\" y=\"104\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"17\" fill=\"#FFFFFF\" text-anchor=\"start\" font-weight=\"600\">70<\/text>\n<text x=\"246\" y=\"177\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"19\" fill=\"#0E2B63\" text-anchor=\"end\" font-weight=\"500\">Clothing, accessories<\/text>\n<rect x=\"260\" y=\"134\" width=\"609\" height=\"32\" fill=\"#AFCA0B\"\/>\n<text x=\"270\" y=\"156\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"17\" fill=\"#0E2B63\" text-anchor=\"start\" font-weight=\"600\">54<\/text>\n<rect x=\"260\" y=\"172\" width=\"451\" height=\"32\" fill=\"#004F9F\"\/>\n<text x=\"270\" y=\"194\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"17\" fill=\"#FFFFFF\" text-anchor=\"start\" font-weight=\"600\">40<\/text>\n<text x=\"246\" y=\"267\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"19\" fill=\"#0E2B63\" text-anchor=\"end\" font-weight=\"500\">Holiday trips<\/text>\n<rect x=\"260\" y=\"224\" width=\"598\" height=\"32\" fill=\"#AFCA0B\"\/>\n<text x=\"270\" y=\"246\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"17\" fill=\"#0E2B63\" text-anchor=\"start\" font-weight=\"600\">53<\/text>\n<rect x=\"260\" y=\"262\" width=\"688\" height=\"32\" fill=\"#004F9F\"\/>\n<text x=\"270\" y=\"284\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"17\" fill=\"#FFFFFF\" text-anchor=\"start\" font-weight=\"600\">61<\/text>\n<text x=\"246\" y=\"357\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"19\" fill=\"#0E2B63\" text-anchor=\"end\" font-weight=\"500\">weekend trips<\/text>\n<rect x=\"260\" y=\"314\" width=\"474\" height=\"32\" fill=\"#AFCA0B\"\/>\n<text x=\"270\" y=\"336\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"17\" fill=\"#0E2B63\" text-anchor=\"start\" font-weight=\"600\">42<\/text>\n<rect x=\"260\" y=\"352\" width=\"643\" height=\"32\" fill=\"#004F9F\"\/>\n<text x=\"270\" y=\"374\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"17\" fill=\"#FFFFFF\" text-anchor=\"start\" font-weight=\"600\">57<\/text>\n<text x=\"246\" y=\"447\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"19\" fill=\"#0E2B63\" text-anchor=\"end\" font-weight=\"500\">Hobbies and sports<\/text>\n<rect x=\"260\" y=\"404\" width=\"361\" height=\"32\" fill=\"#AFCA0B\"\/>\n<text x=\"270\" y=\"426\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"17\" fill=\"#0E2B63\" text-anchor=\"start\" font-weight=\"600\">32<\/text>\n<rect x=\"260\" y=\"442\" width=\"395\" height=\"32\" fill=\"#004F9F\"\/>\n<text x=\"270\" y=\"464\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"17\" fill=\"#FFFFFF\" text-anchor=\"start\" font-weight=\"600\">35<\/text>\n<text x=\"246\" y=\"515\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"19\" fill=\"#0E2B63\" text-anchor=\"end\" font-weight=\"500\">media (e.g.<\/text>\n<text x=\"246\" y=\"537\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"19\" fill=\"#0E2B63\" text-anchor=\"end\" font-weight=\"500\">Smartphone,<\/text>\n<text x=\"246\" y=\"559\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"19\" fill=\"#0E2B63\" text-anchor=\"end\" font-weight=\"500\">(Streaming services)<\/text>\n<rect x=\"260\" y=\"494\" width=\"339\" height=\"32\" fill=\"#AFCA0B\"\/>\n<text x=\"270\" y=\"516\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"17\" fill=\"#0E2B63\" text-anchor=\"start\" font-weight=\"600\">30<\/text>\n<rect x=\"260\" y=\"532\" width=\"474\" height=\"32\" fill=\"#004F9F\"\/>\n<text x=\"270\" y=\"554\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"17\" fill=\"#FFFFFF\" text-anchor=\"start\" font-weight=\"600\">42<\/text>\n<text x=\"246\" y=\"627\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"19\" fill=\"#0E2B63\" text-anchor=\"end\" font-weight=\"500\">Car, Mobility<\/text>\n<rect x=\"260\" y=\"584\" width=\"305\" height=\"32\" fill=\"#AFCA0B\"\/>\n<text x=\"270\" y=\"606\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"17\" fill=\"#0E2B63\" text-anchor=\"start\" font-weight=\"600\">27<\/text>\n<rect x=\"260\" y=\"622\" width=\"260\" height=\"32\" fill=\"#004F9F\"\/>\n<text x=\"270\" y=\"644\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"17\" fill=\"#FFFFFF\" text-anchor=\"start\" font-weight=\"600\">23<\/text>\n<text x=\"246\" y=\"694\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"19\" fill=\"#0E2B63\" text-anchor=\"end\" font-weight=\"500\">Companies with<\/text>\n<text x=\"246\" y=\"716\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"19\" fill=\"#0E2B63\" text-anchor=\"end\" font-weight=\"500\">friends<\/text>\n<rect x=\"260\" y=\"681\" width=\"271\" height=\"32\" fill=\"#AFCA0B\"\/>\n<text x=\"270\" y=\"703\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"17\" fill=\"#0E2B63\" text-anchor=\"start\" font-weight=\"600\">24<\/text>\n<text x=\"246\" y=\"764\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"19\" fill=\"#0E2B63\" text-anchor=\"end\" font-weight=\"500\">Energy costs<\/text>\n<rect x=\"260\" y=\"740\" width=\"260\" height=\"32\" fill=\"#AFCA0B\"\/>\n<text x=\"270\" y=\"762\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"17\" fill=\"#0E2B63\" text-anchor=\"start\" font-weight=\"600\">23<\/text>\n<text x=\"246\" y=\"835\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"19\" fill=\"#0E2B63\" text-anchor=\"end\" font-weight=\"500\">Food and Drink<\/text>\n<rect x=\"260\" y=\"792\" width=\"192\" height=\"32\" fill=\"#AFCA0B\"\/>\n<text x=\"270\" y=\"814\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"17\" fill=\"#0E2B63\" text-anchor=\"start\" font-weight=\"600\">17<\/text>\n<rect x=\"260\" y=\"830\" width=\"113\" height=\"32\" fill=\"#004F9F\"\/>\n<text x=\"270\" y=\"852\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"17\" fill=\"#FFFFFF\" text-anchor=\"start\" font-weight=\"600\">10<\/text>\n<text x=\"246\" y=\"914\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"19\" fill=\"#0E2B63\" text-anchor=\"end\" font-weight=\"500\">Living, house and<\/text>\n<text x=\"246\" y=\"936\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"19\" fill=\"#0E2B63\" text-anchor=\"end\" font-weight=\"500\">Garden<\/text>\n<rect x=\"260\" y=\"882\" width=\"158\" height=\"32\" fill=\"#AFCA0B\"\/>\n<text x=\"270\" y=\"904\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"17\" fill=\"#0E2B63\" text-anchor=\"start\" font-weight=\"600\">14<\/text>\n<rect x=\"260\" y=\"920\" width=\"147\" height=\"32\" fill=\"#004F9F\"\/>\n<text x=\"270\" y=\"942\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"17\" fill=\"#FFFFFF\" text-anchor=\"start\" font-weight=\"600\">13<\/text>\n<text x=\"246\" y=\"1015\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"19\" fill=\"#0E2B63\" text-anchor=\"end\" font-weight=\"500\">retirement provision<\/text>\n<rect x=\"260\" y=\"972\" width=\"135\" height=\"32\" fill=\"#AFCA0B\"\/>\n<text x=\"270\" y=\"994\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"17\" fill=\"#0E2B63\" text-anchor=\"start\" font-weight=\"600\">12<\/text>\n<rect x=\"260\" y=\"1010\" width=\"237\" height=\"32\" fill=\"#004F9F\"\/>\n<text x=\"270\" y=\"1032\" font-family=\"Montserrat, 'Trebuchet MS', sans-serif\" font-size=\"17\" fill=\"#FFFFFF\" text-anchor=\"start\" font-weight=\"600\">21<\/text>\n<line x1=\"260\" y1=\"44\" x2=\"260\" y2=\"1062\" stroke=\"#0E2B63\" stroke-width=\"2\"\/>\n<\/svg>\n<figcaption><div>Online representative survey of 2,000 people aged 18 and over conducted by GfK in Germany<\/div><\/figcaption><details class=\"sfz-chart-data\"><summary>Data as table<\/summary><table>\n  <caption>Piggy bank instead of schnitzel \u2014 Of 100 respondents, the following are the areas in which they would be most likely to cut back if money became tight:<\/caption>\n  <thead><tr><th><\/th><th>2024<\/th><th>2014<\/th><\/tr><\/thead>\n  <tbody>\n    <tr><td> Going out (e.g., restaurant, theatre, pub, cinema)<\/td><td>65<\/td><td>70<\/td><\/tr>\n    <tr><td> Clothing, accessories<\/td><td>54<\/td><td>40<\/td><\/tr>\n    <tr><td> Holiday trips<\/td><td>53<\/td><td>61<\/td><\/tr>\n    <tr><td> weekend trips<\/td><td>42<\/td><td>57<\/td><\/tr>\n    <tr><td> Hobbies and sports<\/td><td>32<\/td><td>35<\/td><\/tr>\n    <tr><td> Media (e.g., smartphone, streaming services)<\/td><td>30<\/td><td>42<\/td><\/tr>\n    <tr><td> Car, Mobility<\/td><td>27<\/td><td>23<\/td><\/tr>\n    <tr><td> Activities with friends<\/td><td>24<\/td><td>n.b.<\/td><\/tr>\n    <tr><td> Energy costs<\/td><td>23<\/td><td>n.b.<\/td><\/tr>\n    <tr><td> Food and Drink<\/td><td>17<\/td><td>10<\/td><\/tr>\n    <tr><td> Living, house and garden<\/td><td>14<\/td><td>13<\/td><\/tr>\n    <tr><td> retirement provision<\/td><td>12<\/td><td>21<\/td><\/tr>\n  <\/tbody>\n<\/table>\n<\/details><div class=\"sfz-chart-download\"><span>Download chart:<\/span><a class=\"sfz-chart-dl-btn\" href=\"https:\/\/www.stiftungfuerzukunftsfragen.de\/wp-content\/uploads\/sfz-charts\/sparen-wenn-das-geld-knapp-ist-1hnq41o9oz37p23\/chart.png\" download=\"sfz-chart-sparen-wenn-das-geld-knapp-ist-1hnq41o9oz37p23.png\">PNG<\/a><\/div><\/figure>\n<div class=\"page\" title=\"Page 31\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<div class=\"page\" title=\"Page 8\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<div class=\"page\" title=\"Page 7\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p>Result<\/p>\n<p>Germans&#039; saving habits have changed over the past ten years. Currently, about two-thirds of those surveyed are willing to cut back on spending for leisure activities such as restaurant or theater visits, compared to five percentage points higher in 2014. In contrast, the willingness to save has increased significantly in the fashion sector, where more than half would now make cuts \u2013 ten years ago it was &quot;only&quot; 40 percent. However, the willingness to cut back on vacations and weekend trips has declined considerably. Germans are also noticeably less likely to limit their smartphone or streaming usage. On the other hand, the willingness to save on food has almost doubled, while only about half as many would now cut back on retirement savings.<\/p>\n<p>Reasons<\/p>\n<p>The prioritization of German citizens illustrates how important certain areas are for their current sense of security and basic needs. Leisure activities such as going out and traveling, as well as clothing and accessories, are considered luxuries that are deemed dispensable in economically strained times. Conversely, the low willingness to cut back on energy costs, housing costs, or retirement savings demonstrates how essential these expenditures are considered for daily life and personal safety.<\/p>\n<p>At the same time, however, a comparison over time also reveals a shift in priorities. The increased willingness to save on fashion spending can be explained by a growing sensitivity to sustainability and conscious consumption. In contrast, vacations and weekend trips remain central to many people&#039;s quality of life, something they are reluctant to forgo even in perceived times of crisis. The increased willingness to save for retirement underscores the heightened awareness of long-term financial security. Regarding nutrition, the stereotype that it is less important to Germans than to other nationalities is confirmed. Shopping at a discount store instead of an organic supermarket is therefore not a painful compromise for many, but rather a matter of course.<\/p>\n<p>Forecast<\/p>\n<p>In the coming years, the saving habits of German citizens will continue to adapt to the economic environment. Rising inflation and increasing energy costs will lead to cutbacks in areas such as leisure, fashion, and travel. The importance of media will persist\u2014especially in the leisure sector\u2014making savings in this area less likely. The importance of sustainability, and thus a more conscious approach to purchasing sustainable products, will primarily depend on affordability. Consequently, for many citizens, the primary concern will be filling the refrigerator. The need to supplement the state pension with private retirement savings will continue to grow. As a result, even fewer citizens will be willing to compromise in this area in the coming years.<\/p>\n<\/div>\n<div class=\"fusion-button-wrapper\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" target=\"_self\" href=\"https:\/\/spaeter-war-alles-besser-der-zukunftspodcast.podigee.io\/49-wo-die-deutschen-sparen-wenn-das-geld-knapp-wird\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">You can find more in-depth information in this podcast episode<\/span><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>The saving habits of German citizens have changed over the last ten years. What would Germans currently be willing to forgo if they had to save money? What differences are apparent when comparing year-on-year figures? <\/p>","protected":false},"author":36,"featured_media":5069,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_et_pb_custom_css":""},"categories":[53],"tags":[67,87,108,105,107,100,80,106],"class_list":["post-5068","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-chart-der-woche","tag-zukunftserwartungen","tag-familie","tag-gesellschaft","tag-vergangenheit","tag-vertrauen","tag-werte","tag-zukunft","tag-zukunftsplaene"],"acf":{"ausgabe_nummer":"Chart der Woche, 2024-KW33","pdf-download_dateiname":"SFZ-PDF-5068.pdf"},"_et_pb_custom_css":"","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Wo die Deutschen sparen, wenn das Geld knapp wird<\/title>\n<meta name=\"description\" content=\"Das Sparverhalten hat sich in den letzten zehn Jahren ver\u00e4ndert. 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