Memetyka w finansach osobistych
Memetics in personal finance

Summary/Abstract: Paper deals with problems of households financial decisions, described and viewed through the memetics’ point of view. The first part of the paper deals with the memetics itself, describing the conceptual basis for this unusual science. Second part of the paper briefly describes the basis for personal and household finances, their essence and main tools and then proceeds to describe people’s financial behavior through the means and tools of memetics. It describes why people behave in a certain manner even though it is financially unhealthy to them. It tries to explain why budgeting or even speaking of finances outside of own household is unthinkable in nowadays society. It enlists the reasons why credits and loans are more popular than investments.

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